<SEC-DOCUMENT>0001193125-15-172099.txt : 20150505
<SEC-HEADER>0001193125-15-172099.hdr.sgml : 20150505
<ACCEPTANCE-DATETIME>20150505161555
ACCESSION NUMBER:		0001193125-15-172099
CONFORMED SUBMISSION TYPE:	S-4
PUBLIC DOCUMENT COUNT:		31
FILED AS OF DATE:		20150505
DATE AS OF CHANGE:		20150505

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			HORIZON BANCORP /IN/
		CENTRAL INDEX KEY:			0000706129
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				351562417
		STATE OF INCORPORATION:			IN
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		S-4
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	333-203868
		FILM NUMBER:		15833172

	BUSINESS ADDRESS:	
		STREET 1:		515 FRANKLIN SQUARE
		CITY:			MICHIGAN CITY
		STATE:			IN
		ZIP:			46360
		BUSINESS PHONE:		2198790211

	MAIL ADDRESS:	
		STREET 1:		515 FRANKLIN SQUARE
		CITY:			MICHIGAN CITY
		STATE:			IN
		ZIP:			46360

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	CITIZENS MICHIANA FINANCIAL CORP
		DATE OF NAME CHANGE:	19861021
</SEC-HEADER>
<DOCUMENT>
<TYPE>S-4
<SEQUENCE>1
<FILENAME>d915197ds4.htm
<DESCRIPTION>FORM S-4
<TEXT>
<HTML><HEAD>
<TITLE>Form S-4</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>As filed with the Securities and Exchange Commission on May&nbsp;5, 2015 </B></P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Registration No.&nbsp;333-<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U> </B></P>
<P STYLE="font-size:4pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:0pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:4pt; margin-bottom:0pt; font-size:18pt; font-family:Times New Roman" ALIGN="center"><B>UNITED STATES </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:18pt; font-family:Times New Roman" ALIGN="center"><B>SECURITIES AND EXCHANGE COMMISSION </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>Washington, D.C. 20549 </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center>
<P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:18pt; font-family:Times New Roman" ALIGN="center"><B>FORM <FONT
STYLE="white-space:nowrap">S-4</FONT> </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:18pt; font-family:Times New Roman" ALIGN="center"><B>REGISTRATION STATEMENT </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B><I>UNDER </I></B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B><I>THE
SECURITIES ACT OF 1933 </I></B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center> <P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:24pt; font-family:Times New Roman" ALIGN="center"><B>Horizon Bancorp </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>(Exact
name of registrant as specified in its charter) </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center>
<P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" ALIGN="center">


<TR>
<TD WIDTH="34%"></TD>
<TD VALIGN="bottom"></TD>
<TD WIDTH="32%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="32%"></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center"><B>Indiana</B></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top" ALIGN="center"><B>6021</B></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top" ALIGN="center"><B>35-1562417</B></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>(State or other jurisdiction of</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>incorporation or organization)</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>(Primary standard industrial</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>classification code number)</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>(I.R.S. Employer</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Identification No.)</B></P></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>515 FRANKLIN SQUARE, MICHIGAN CITY, INDIANA 46360 (219)&nbsp;874-0211 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>(Address, including zip code and telephone number, including area code, of principal executive offices) </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Craig M. Dwight </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Chairman and Chief Executive Officer </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Horizon Bancorp </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>515
Franklin Square </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Michigan City, Indiana 46360 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>(219) 874-9272 </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>(Name,
address, including zip code, and telephone number, including area code, of agent for service) </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center>
<P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><I>Copy to:
</I></B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="50%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Mark E. Secor</B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Chief Financial Officer</B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Horizon Bancorp</B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>515
Franklin Square</B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Michigan City, Indiana 46360</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>(219) 873-2611</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Claudia V. Swhier, Esq.</B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Barnes &amp; Thornburg LLP</B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>11 S. Meridian Street</B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Indianapolis, Indiana 46204</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>(317) 236-1313</B></P></TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center> <P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Approximate date of commencement of proposed sale of the securities to the public:</B> As soon as practicable after this Registration
Statement becomes effective and upon the effective time of the merger of Peoples Bancorp with and into Registrant pursuant to the Agreement and Plan of Merger described in the joint proxy statement/prospectus included in Part I of this Registration
Statement. </P> <P STYLE="margin-top:0pt;margin-bottom:0pt;page-break-before:always"></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If the securities being registered on this Form are
being offered in connection with the formation of a holding company and there is compliance with General Instruction G, check the following box.&nbsp;&nbsp;<FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If this Form is filed to register additional securities for an offering pursuant to Rule 462(b) under the Securities Act, check the following
box and list the Securities Act registration statement number of the earlier effective registration statement for the same offering.&nbsp;&nbsp;<FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If this Form is a post-effective amendment filed pursuant to Rule 462(d) under the Securities Act, check the following box and list the
Securities Act registration statement number of the earlier effective registration statement for the same offering.&nbsp;&nbsp;<FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or a smaller
reporting company. See the definitions of &#147;large accelerated filer,&#148; &#147;accelerated filer&#148; and &#147;smaller reporting company&#148; in Rule 12b-2 of the Exchange Act. </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="16%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="60%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="20%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="1%"></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">Large&nbsp;accelerated&nbsp;filer</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">Accelerated&nbsp;filer</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#120;</FONT></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">Non-accelerated filer</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT>&nbsp;&nbsp;(Do not check if a smaller reporting company)</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">Smaller&nbsp;reporting&nbsp;company</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If applicable, place an X in the box to designate the appropriate rule provision relied upon in conducting
this transaction: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Exchange Act Rule 13e-4(i) (Cross-Border Issuer Tender
Offer)&nbsp;&nbsp;<FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT> </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Exchange Act Rule 14d-1(d) (Cross-Border Third Party Tender
Offer)&nbsp;&nbsp;<FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT> </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center>
<P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>CALCULATION
OF REGISTRATION FEE </B></P> <P STYLE="font-size:4pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" ALIGN="center">


<TR>
<TD WIDTH="44%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="13%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="13%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="13%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="13%"></TD></TR>


<TR STYLE="font-size:1px; ">
<TD COLSPAN="9" VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Title of Each Class of Securities</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>to be Registered</B></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="BORDER-TOP:1px solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Amount</B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>to&nbsp;be</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Registered(1)</B></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="BORDER-TOP:1px solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Proposed</B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Maximum</B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Offering
Price</B></P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Per Share</B></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="BORDER-TOP:1px solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Proposed</B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Maximum</B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Aggregate</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Offering Price(2)</B></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="BORDER-TOP:1px solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Amount&nbsp;of</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Registration Fee</B></P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-TOP:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Common Stock, no par value</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="BORDER-TOP:1px solid #000000">2,196,265</TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="BORDER-TOP:1px solid #000000">N/A</TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="BORDER-TOP:1px solid #000000">$49,473,761</TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="BORDER-TOP:1px solid #000000">$5,749</TD></TR>
<TR STYLE="font-size:1px; ">
<TD COLSPAN="9" VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1px; ">
<TD COLSPAN="9" VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD></TR>
</TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(1)</TD>
<TD ALIGN="left" VALIGN="top">Represents the maximum number of shares of common stock of the Registrant, Horizon Bancorp (NASDAQ: HBNC), that is expected to be issued in connection with the merger of Peoples Bancorp into the Registrant.
</TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(2)</TD>
<TD ALIGN="left" VALIGN="top">Estimated solely for the purpose of calculating the amount of the registration fee pursuant to Rule 457(c) and Rule 457(f), based on $31.15 per share, the average of the high and low prices of a share of Peoples Bancorp
common stock on May 1, 2015 (which date is within five business days prior to the date of the filing of this registration statement) multiplied by 2,311,858 shares of Peoples Bancorp common stock that may be received by the Registrant and/or
cancelled upon consummation of the merger, less $22,540,616, which is the estimated aggregate amount of cash expected to be paid by the Registrant in exchange for shares of Peoples Bancorp common stock. </TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center> <P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>The Registrant hereby amends this Registration Statement on such date or dates as may be necessary to delay its effective date until the
Registrant shall file a further amendment which specifically states that this Registration Statement shall thereafter become effective in accordance with Section&nbsp;8(a) of the Securities Act of 1933 or until the Registration Statement shall
become effective on such date as the Securities and Exchange Commission, acting pursuant to said Section&nbsp;8(a), may determine. </B></P> <P STYLE="font-size:10pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:0pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P>

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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Arial Narrow"><FONT COLOR="#de1a1e"><B>THE INFORMATION IN THIS JOINT PROXY STATEMENT/PROSPECTUS IS NOT COMPLETE AND MAY BE
CHANGED. A REGISTRATION STATEMENT RELATING TO THESE SECURITIES HAS BEEN FILED WITH THE SECURITIES AND EXCHANGE COMMISSION. WE MAY NOT ISSUE THESE SECURITIES UNTIL THE REGISTRATION STATEMENT IS EFFECTIVE. THIS JOINT PROXY STATEMENT/PROSPECTUS IS NOT
AN OFFER TO SELL THESE SECURITIES AND IT IS NOT SOLICITING AN OFFER TO BUY THESE SECURITIES IN ANY STATE WHERE THE OFFER OR SALE IS NOT PERMITTED. </B></FONT></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><FONT COLOR="#de1a1e"><B>PRELIMINARY JOINT PROXY STATEMENT/PROSPECTUS </B></FONT></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><FONT COLOR="#de1a1e"><B>SUBJECT TO COMPLETION, DATED MAY 5, 2015 </B></FONT></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="51%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="47%"></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center">


<IMG SRC="g915197dsp002.jpg" ALT="LOGO">
</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top" ALIGN="center">


<IMG SRC="g915197dsp002a.jpg" ALT="LOGO">
</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>PROXY STATEMENT FOR THE ANNUAL MEETING OF </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>SHAREHOLDERS OF HORIZON BANCORP AND PROSPECTUS OF HORIZON BANCORP </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>and </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>PROXY STATEMENT FOR
THE SPECIAL MEETING OF </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>SHAREHOLDERS OF PEOPLES BANCORP </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center> <P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The boards of directors of Peoples Bancorp (&#147;Peoples&#148;) and Horizon Bancorp (&#147;Horizon&#148;) have approved an Agreement and Plan
of Merger (which is referred to herein as the &#147;Merger Agreement&#148;) that provides for Peoples to merge with and into Horizon. If the merger is approved by both Peoples&#146; and Horizon&#146;s shareholders and all other closing conditions
are satisfied, each outstanding share of Peoples common stock (other than shares then held of record by Horizon, shares held as treasury shares of Peoples, or dissenting shares) owned by shareholders owning of record and/or beneficially at least 100
shares of Peoples common stock shall be converted into the right to receive $9.75 in cash and 0.95 shares of Horizon common stock, subject to certain adjustments as described in the Merger Agreement. Shareholders of Peoples who own of record and/or
beneficially fewer than 100 shares of Peoples common stock will be entitled to receive only fixed consideration of $33.14 per share in cash and will not be entitled to receive any shares of Horizon common stock. Each Peoples shareholder also will
receive cash in lieu of any fractional shares of Horizon common stock that such shareholder would otherwise receive in the merger, with the amount of cash based on the market value of one share of Horizon common stock determined shortly before the
closing of the merger. The boards of directors of both Peoples and Horizon believe that the merger is in the best interests of each of their respective companies and shareholders. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Your vote is very important. </B>We cannot complete the merger unless the shareholders of Horizon approve the Merger Agreement and the
transactions contemplated thereby, including the issuance of the shares of Horizon common stock in the merger, and the shareholders of Peoples approve the Merger Agreement and the merger. This document is a proxy statement that Peoples is using to
solicit proxies for use at its special meeting of shareholders to be held on &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, 2015 to vote on the Merger Agreement and the
merger. This document also serves as a proxy statement that Horizon is using to solicit proxies for use at its annual meeting of shareholders to be held on
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, 2015 for the following purposes: (i)&nbsp;to vote on the Merger Agreement and share issuance, (ii)&nbsp;to elect three
directors to serve three-year terms expiring in 2018, (iii)&nbsp;to vote on a non-binding, advisory proposal to approve the compensation of Horizon&#146;s executive officers described in this document, (iv)&nbsp;to ratify the appointment of BKD, LLP
as Horizon&#146;s independent auditors for 2015, (v)&nbsp;to adjourn the annual meeting if necessary to solicit additional proxies, and (vi)&nbsp;to transact such other business as may properly come before the meeting or any adjournment of the
meeting. This document also serves as a prospectus relating to Horizon&#146;s issuance of up to 2,196,265 shares of Horizon common stock in connection with the merger. This joint proxy statement/prospectus describes the Peoples special meeting, the
Horizon annual meeting, the merger proposal, and other related matters.<B> </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Horizon&#146;s board of directors recommends that
Horizon&#146;s shareholders vote &#147;FOR&#148; approval of the Merger Agreement and the transactions contemplated thereby, including the issuance of the Horizon shares in the merger, as well as &#147;FOR&#148; the election of the director nominees
named in this document, the approval of the advisory proposal regarding the compensation of Horizon&#146;s executive officers, the ratification of appointment of Horizon&#146;s independent auditors, and the other matters to be considered at the
Horizon annual meeting. Peoples&#146; board of directors unanimously recommends that Peoples&#146; shareholders vote &#147;FOR&#148; approval of the Merger Agreement and the merger. </B></P>
<P STYLE="margin-top:0pt;margin-bottom:0pt;page-break-before:always"></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B></B>Horizon&#146;s common stock is traded on the NASDAQ Global
Select Market under the trading symbol &#147;HBNC.&#148; On February&nbsp;18, 2015, the last day prior to the public announcement of the merger, the closing price of a share of Horizon common stock was $23.02. On
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, 2015, the latest practicable date before the date of this document, the closing price of a share of Horizon common stock was
$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;. Peoples&#146; common stock is not listed on any national securities exchange, but rather is quoted on the OTC Pink Marketplace, which is maintained by OTC Markets Group Inc., under the symbol
&#147;PBNI.&#148; On February&nbsp;18, 2015, the closing price of a share of Peoples common stock was $26.00. On &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, 2015, the
closing price of a share of Peoples common stock was $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;. <B>Please see &#147;</B><B><I><A HREF="#tx915197_28">Risk Factors</A></I></B><B>&#148; beginning on page
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; for a discussion of certain risks relating to the merger. </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Neither the Securities
and Exchange Commission nor any state securities commission has approved or disapproved of the securities to be issued under this joint proxy statement/prospectus or determined if this joint proxy statement/prospectus is truthful or complete. Any
representation to the contrary is a criminal offense. The securities to be issued in connection with the merger are not savings or deposit accounts or other obligations of any bank or nonbank subsidiary of any of the parties, and they are not
insured by the Federal Deposit Insurance Corporation, the Deposit Insurance Fund, or any other governmental agency. </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center>
<P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>This joint
proxy statement/prospectus is dated &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, 2015, and it </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>is first being mailed to Horizon and Peoples shareholders on or about
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, 2015. </B></P>

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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>AVAILABLE INFORMATION </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">As permitted by Securities and Exchange Commission rules, this document incorporates certain important business and financial information
about Horizon from other documents that are not included in or delivered with this document. These documents are available to you without charge upon your written or oral request. Your requests for these documents should be directed to the
following: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Horizon Bancorp </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">515 Franklin Square </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Michigan City,
Indiana 46360 </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Attn: Dona Lucker, Investor Relations Officer </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(219) 874-9272 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>In order to
ensure timely delivery of these documents, you should make your request no later than five business days before the annual meeting date, or by
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, 2015. </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I></I>You also can obtain documents incorporated by reference in this document through the SEC&#146;s website at www.sec.gov. See
&#147;<I>Where You Can Find More Information</I>.&#148;<I> </I></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In addition, if you are a Peoples shareholder and have questions about the
merger or the Peoples special meeting, need additional copies of this joint proxy statement/prospectus, or need to obtain proxy cards or other information related to the proxy solicitation, you may contact the following: </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Peoples Bancorp </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">212 W. 7<SUP
STYLE="font-size:85%; vertical-align:top">th</SUP> Street </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Auburn, Indiana 46706 </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Attn: Jeffrey H. Gatton, Chief Operating Officer and Secretary </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(260) 925-2500 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>In order to
ensure timely delivery of these documents, you should make your request no later than five business days before the special meeting date, or by
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, 2015. </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Peoples does not have a class of securities registered under Section&nbsp;12 of the Securities Exchange Act of 1934, as amended (the
&#147;Exchange Act&#148;), is not subject to the reporting requirements of Section&nbsp;13(a) or 15(d) of the Exchange Act, and accordingly does not file documents or reports with the SEC. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">All information in this joint proxy statement/prospectus concerning Horizon and its subsidiaries has been furnished by Horizon, and all
information in this joint proxy statement/prospectus concerning Peoples and its subsidiaries has been furnished by Peoples. You should rely only on the information contained or incorporated by reference in this joint proxy statement/prospectus to
vote on the proposals to Horizon&#146;s and Peoples&#146; respective shareholders in connection with the merger. We have not authorized anyone to provide you with information that is different from what is contained in this joint proxy
statement/prospectus. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This joint proxy statement/prospectus is dated
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, 2015. You should not assume that the information contained in this joint proxy statement/prospectus is accurate as of any date
other than such date, and neither the mailing of this joint proxy statement/prospectus to shareholders nor the issuance of Horizon shares as contemplated by the Merger Agreement shall create any implication to the contrary. </P>

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

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


<IMG SRC="g915197dsp002.jpg" ALT="LOGO">
 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>515 Franklin Square </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Michigan City, Indiana 46360 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>(219) 879-0211 </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center>
<P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Notice of
Annual Meeting of Shareholders </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center> <P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>To Be Held on &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, 2015 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">To the Shareholders of Horizon Bancorp: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The
Annual Meeting of Shareholders (the &#147;Annual Meeting&#148;) of Horizon Bancorp (&#147;Horizon&#148;) will be held on &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;,
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, 2015, 10:00 a.m. (local time; registration will begin at 9:00 a.m.), at the Clarion Inn, 5820 South Franklin Street, Michigan City, Indiana 46360. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Annual Meeting will be held for the following purposes: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">1.</TD>
<TD ALIGN="left" VALIGN="top"><I>Merger Agreement Proposal</I>. To approve the Agreement and Plan of Merger dated February&nbsp;18, 2015 (which we refer to as the &#147;Merger Agreement&#148;) by and between Horizon and Peoples Bancorp
(&#147;Peoples&#148;), pursuant to which Peoples will merge with and into Horizon, and the related Plan of Merger, and the transactions contemplated thereby, including the issuance of shares of Horizon common stock in connection with the merger.
Simultaneously with the merger, Peoples Federal Savings Bank of DeKalb County, a federally chartered stock savings bank and wholly-owned subsidiary of Peoples, will merge with and into Horizon Bank, National Association, the wholly-owned national
bank subsidiary of Horizon. </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">2.</TD>
<TD ALIGN="left" VALIGN="top"><I>Election of Directors</I>. To elect three directors to serve three-year terms expiring in 2018. </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">3.</TD>
<TD ALIGN="left" VALIGN="top"><I>Advisory Vote to Approve Executive Compensation</I>. To vote on a non-binding, advisory proposal to approve the compensation of Horizon&#146;s executive officers described in this document. </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">4.</TD>
<TD ALIGN="left" VALIGN="top"><I>Ratification of Independent Auditors</I>. To ratify the appointment of BKD, LLP as independent auditors for 2015. </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">5.</TD>
<TD ALIGN="left" VALIGN="top"><I>Adjournment</I>. To approve a proposal to adjourn the Annual Meeting, if necessary, to solicit additional proxies in the event there are not sufficient votes present at the Annual Meeting in person or by proxy to
approve any of the above items. </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">6.</TD>
<TD ALIGN="left" VALIGN="top"><I>Other Business</I>. To transact such other business as may properly come before the Annual Meeting or any adjournment of the Annual Meeting. The board of directors is not aware of any such other matters.
</TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">You can vote at the meeting or any adjournment of the meeting if you are a shareholder of record at the close of business
on <U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U>, 2015. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">We urge you to read the joint proxy
statement/prospectus carefully so that you may be informed about the business to come before the Annual Meeting or any adjournment thereof. Only holders of record of Horizon common stock as of the close of business on
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, 2015 are entitled to notice of, and to vote at, the Annual Meeting and any adjournments of the meeting. The affirmative vote of the holders of a majority of the issued and
outstanding shares of Horizon&#146;s common stock is required to approve the Merger Agreement proposal. Directors will be elected by a plurality of the votes cast. For the remaining proposals to be approved, more votes must be cast in favor of the
proposal than against the proposal. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>YOUR VOTE IS VERY IMPORTANT. </B>To ensure that your shares are voted at the Annual Meeting,
please complete, sign, and date your proxy card and return it in the enclosed envelope promptly. If you hold your shares in &#147;street name&#148; through a bank or broker, check your voting instruction card to see if you also may vote by telephone
or through the Internet.<B> </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>The board of directors of Horizon recommends that Horizon&#146;s shareholders vote &#147;FOR&#148; the
approval of the Merger Agreement proposal, &#147;FOR&#148; the election of the director nominees named in this document, &#147;FOR&#148; the advisory vote to approve the compensation of Horizon&#146;s executive officers named in this document,
&#147;FOR&#148; the ratification of the appointment of BKD, LLP, and &#147;FOR&#148; any proposal of the Horizon board of directors to adjourn the meeting, if necessary. </B></P>

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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This Notice of Annual Meeting of Shareholders and the related joint proxy statement/prospectus,
as well as Horizon&#146;s Annual Report for the fiscal year ended December&nbsp;31, 2014, are posted on the Internet at http://www.investorvote.com/hbnc. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>
<TD WIDTH="100%"></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By Order of the Board of Directors,</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">


<IMG SRC="g915197dsp005.jpg" ALT="LOGO">
</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">James D. Neff</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">Secretary</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Michigan City, Indiana</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman"><U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U>, 2015</P></TD></TR>
</TABLE></DIV>

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

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


<IMG SRC="g915197dsp002a.jpg" ALT="LOGO">
 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>212 West 7<SUP STYLE="font-size:85%; vertical-align:top">th</SUP> Street </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Auburn, Indiana 46706 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>(260) 925-2500 </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center>
<P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Notice of
Special Meeting of Shareholders </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center> <P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>To Be Held on
<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U>, 2015 </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">To the
Shareholders of Peoples Bancorp: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">We are pleased to notify you of and invite you to a special meeting of the shareholders of Peoples
Bancorp (&#147;Peoples&#148;) to be held on &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, 2015, at
&nbsp;&nbsp;&nbsp;&nbsp;:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;p.m., local time, at the La Quinta Inn and Suites, located at 306 Touring Drive, Auburn, Indiana 46706, to consider and vote upon the following matters:
</P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">1.</TD>
<TD ALIGN="left" VALIGN="top"><I>Merger Proposal</I>. To approve the Agreement and Plan of Merger dated February&nbsp;18, 2015 (which we refer to as the &#147;Merger Agreement&#148;) by and between Horizon Bancorp (&#147;Horizon&#148;) and Peoples,
and the related Plan of Merger, pursuant to which Peoples will merge with and into Horizon. Simultaneously with the merger, Peoples Federal Savings Bank of DeKalb County, the wholly-owned federally chartered stock savings bank subsidiary of Peoples,
will merge with and into Horizon Bank, National Association, the wholly-owned national bank subsidiary of Horizon. In connection with the merger, you will receive in exchange for each of your shares of Peoples common stock: </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="8%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">0.95 shares of Horizon common stock, which we refer to as the &#147;exchange ratio,&#148; and $9.75 in cash, which we refer to as the &#147;cash consideration,&#148; subject to adjustment as provided in the Merger
Agreement; <I>provided</I>, <I>however</I>, <I>that</I>, if you own beneficially and/or of record fewer than 100 shares of Peoples common stock, you will be entitled to receive only fixed consideration of $33.14 per share in cash and will not be
entitled to receive any shares of Horizon common stock; and </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="8%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">in lieu of any fractional shares of Horizon common stock, an amount of cash equal to such fraction multiplied by the average of the daily closing sales price of a share of Horizon common stock as quoted on the NASDAQ
Global Select Market during the 15 consecutive trading days immediately preceding the second business day prior to the closing of the merger on which such shares were actually traded. </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">2.</TD>
<TD ALIGN="left" VALIGN="top"><I>Adjournment</I>. To approve a proposal to adjourn the special meeting, if necessary, to solicit additional proxies in the event there are not sufficient votes present at the special meeting in person or by proxy to
approve the Merger. </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">3.</TD>
<TD ALIGN="left" VALIGN="top"><I>Other Matters</I>. To vote upon such other matters as may properly come before the meeting or any adjournment thereof. The board of directors is not aware of any such other matters. </TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The enclosed joint proxy statement/prospectus describes the Merger Agreement and the proposed merger in detail and includes, as <U>Appendix
A</U>, the complete text of the Merger Agreement. We urge you to read these materials for a description of the Merger Agreement and the proposed merger. In particular, you should carefully read the section captioned &#147;Risk Factors&#148;
beginning on page &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;of the enclosed joint proxy statement/prospectus for a discussion of certain risk factors relating to the Merger Agreement and the merger. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>The board of directors of Peoples recommends that Peoples&#146; shareholders vote &#147;FOR&#148; the approval and adoption of the Merger
Agreement and the merger, and &#147;FOR&#148; adjournment of the special meeting, if necessary. </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The board of directors of Peoples has
fixed the close of business on &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, 2015, as the record date for determining the shareholders entitled to notice of, and to vote at, the special meeting and any adjournments or
postponements of the special meeting. </P>

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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>YOUR VOTE IS VERY IMPORTANT. </B>The Merger Agreement must be adopted by the affirmative vote
of holders of a majority of the issued and outstanding shares of Peoples common stock in order for the proposed merger to be consummated. <B>IF YOU DO NOT RETURN YOUR PROXY CARD OR DO NOT VOTE IN PERSON AT THE SPECIAL MEETING, THE EFFECT WILL BE A
VOTE AGAINST THE PROPOSED MERGER. </B>Whether or not you plan to attend the special meeting in person, we urge you to date, sign, and return promptly the enclosed proxy card in the accompanying envelope. You may revoke your proxy at any time before
the special meeting or by attending the special meeting and voting in person.<B> </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>As required by Indiana Code 23-1-44-10, Peoples
is notifying all shareholders entitled to vote on the merger that you are or may be entitled to assert dissenters&#146; rights under the dissenters&#146; rights chapter of the Indiana Business Corporation Law. A copy of the dissenters&#146; rights
chapter is included with the accompanying joint proxy statement/prospectus as <U>Appendix E</U>. See also &#147;Dissenters&#146; Rights&#148; beginning on page &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;in the
accompanying joint proxy statement/prospectus. </B></P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>
<TD WIDTH="100%"></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By Order of the Board of Directors,</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">


<IMG SRC="g915197dsp007.jpg" ALT="LOGO">
</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">Jeffrey H. Gatton</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Chief Operating Officer and Corporate Secretary</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Auburn, Indiana</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman"><U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U>,
2015</P></TD></TR>
</TABLE></DIV>

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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="toc"></A>TABLE OF CONTENTS </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="96%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right"><B>Page</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_1">QUESTIONS AND ANSWERS ABOUT THE MERGER AND THE SHAREHOLDERS&#146; MEETINGS</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_2">SUMMARY</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_3">The Companies</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_4">Annual Meeting of Horizon&#146;s Shareholders; Required Vote</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_5">Special Meeting of Peoples&#146; Shareholders; Required Vote</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_6">The Merger and the Merger Agreement</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_7">What Peoples&#146; Shareholders Will Receive in the Merger</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_8">Recommendation of Horizon Board of Directors</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_9">Recommendation of Peoples Board of Directors</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_10">Dissenters&#146; Rights</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_11">Voting Agreements</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_12">Opinion of Peoples&#146; Financial Advisor</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_13">Joint Opinion of Horizon&#146;s Financial Advisors</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_14">Reasons for the Merger</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_15">Regulatory Approvals</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_16">New Horizon Shares Will Be Eligible for Trading</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_17">Conditions to the Merger</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_18">Termination</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_19">Termination Fee</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_20">Interests of Officers and Directors in the Merger that Are Different From Yours</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_21">Accounting Treatment of the Merger</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_22">Rights of Shareholders After the Merger</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_23">Material Federal Tax Consequences of the Merger</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_24">SELECTED HISTORICAL CONSOLIDATED FINANCIAL DATA OF HORIZON</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_25">SELECTED HISTORICAL CONSOLIDATED FINANCIAL DATA OF PEOPLES</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_26">Per Share Equivalent Information</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_27">Market Prices and Share Information</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_28">RISK FACTORS</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_29">CAUTIONARY NOTE ABOUT FORWARD-LOOKING STATEMENTS</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_30">UNAUDITED PRO FORMA COMBINED FINANCIAL INFORMATION</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">22</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_31">Notes to Unaudited Pro Forma Combined Condensed Financial Statements</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">26</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_32">ANNUAL MEETING OF HORIZON&#146;S SHAREHOLDERS</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">27</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_33">General</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">27</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_34">Purpose of the Meeting</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">27</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_35">Recommendation of Horizon&#146;s Board of Directors</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">27</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_36">Record Date and Voting</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">27</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_37">Vote Required</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">28</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_38">Revocability of Proxies</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">29</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_39">Solicitation of Proxies</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">29</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_40">Assistance</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">29</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_41">Security Ownership of Certain Beneficial Holders and Management</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">29</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">i </P>


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


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="97%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>

<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_42">SPECIAL MEETING OF PEOPLES&#146; SHAREHOLDERS</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">32</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_43">General</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">32</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_44">Purpose of the Meeting</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">32</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_45">Recommendation of Peoples&#146; Board of Directors</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">32</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_46">Record Date and Voting</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">32</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_47">Vote Required</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">33</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_48">Revocability of Proxies</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">33</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_49">Solicitation of Proxies</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">34</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_50">Assistance</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">34</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_51">Security Ownership of Certain Beneficial Holders and Management</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">34</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_52">THE MERGER</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">36</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_53">General</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">36</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_54">Background of the Merger</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">36</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_55">Peoples&#146; Reasons for the Merger; Board Recommendation</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">39</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_56">Horizon&#146;s Reasons for the Merger; Board Recommendation</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">41</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_57">Effects of the Merger</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">42</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_58">Negotiations, Transactions, or Materials Contracts</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">42</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_59">Opinion of Peoples&#146; Financial Advisor</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">43</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_60">Joint Opinion of Horizon&#146;s Financial Advisors</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">54</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_61">THE MERGER AGREEMENT</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">62</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_62">Structure of the Merger</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">62</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_63">Merger Consideration</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">62</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_64">Voting Agreements</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">63</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_65">Treatment of Peoples&#146; 401(k) Plan</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">63</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_66">Exchange and Payment Procedures</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">63</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_67">Dividends and Distributions</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">64</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_68">Representations and Warranties</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">64</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_69">Conduct of Business Prior to Completion of the Merger</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">65</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_70">Covenants</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">66</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_71">Acquisition Proposals by Third Parties</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">69</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_72">Conditions to the Merger</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">70</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_73">Expenses</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">71</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_74">Employee Benefits and Payments</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">71</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_75">Termination</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">72</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_76">Termination Fee</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">74</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_77">Management and Operations After the Merger</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">74</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_78">Environmental Inspections</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">75</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_79">Effective Time of the Merger</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">75</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_80">Regulatory Approvals for the Merger</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">75</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_81">Accounting Treatment of the Merger</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">75</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_82">NASDAQ Global Select Market Listing</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">75</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_83">DISSENTERS&#146; RIGHTS</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">76</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_84">INTERESTS OF CERTAIN DIRECTORS AND OFFICERS OF PEOPLES IN THE MERGER</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">77</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">ii </P>


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


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="96%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>

<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_85">Payments Under Existing Employment Agreements With Maurice F. Winkler, III, Jeffrey H. Gatton, and Steven H. Caryer
</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">77</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_86">Employment Agreement Between Jeffrey H. Gatton and Horizon and Horizon Bank</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">77</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_87">Assumption of Salary Continuation Agreement and Retirement Benefits Agreement With G. Richard
Gatton</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">78</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_88">Payments Under Deferred Fee Agreement With Stephen R. Olson</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">78</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_89">Maurice F. Winkler, III, Becoming Director of Horizon and Horizon Bank</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">78</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_90">Northeast Indiana Advisory Board</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">78</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_91">Indemnification and Insurance of Directors and Officers</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">78</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_92">MATERIAL FEDERAL INCOME TAX CONSEQUENCES</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">79</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_93">COMPARISON OF THE RIGHTS OF SHAREHOLDERS</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">83</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_94">Authorized Capital Stock</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">83</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_95">Voting Rights and Cumulative Voting</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">83</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_96">Dividends</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">84</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_97">Liquidation</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">84</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_98">Preferred Stock</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">84</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_99">No Sinking Fund Provisions</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">85</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_100">Additional Issuances of Stock</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">85</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_101">Number of and Restrictions Upon Directors</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">85</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_102">Removal of Directors</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">86</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_103">Special Meetings of the Board</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">86</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_104">Classified Board of Directors</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">86</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_105">Advance Notice Requirements for Presentation of Business and Nominations of Directors at Annual Meetings of Shareholders
</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">86</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_106">Special Meetings of Shareholders</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">87</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_107">Indemnification</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">87</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_108">Preemptive Rights</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">88</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_109">Amendment of Articles of Incorporation and Bylaws</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">88</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_110">Restrictions on Unsolicited Changes in Control (Anti-Takeover Protections)</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">89</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_111">State and Federal Law</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">91</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_112">OTHER MATTERS TO BE CONSIDERED AT THE HORIZON ANNUAL MEETING</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">93</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_113">Election of Directors (Item 2 on the Horizon Proxy Card)</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">93</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_114">Corporate Governance</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">98</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_115">Compensation Committee Report</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">103</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_116">Compensation Discussion and Analysis</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">103</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_117">Executive Compensation Tables</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">114</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_118">Potential Payments Upon Termination or Change in Control</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">118</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_119">Section&nbsp;162(m)</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">121</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_120">Compensation of Directors</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">121</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_121">Report of the Audit Committee</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">122</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_122">Certain Business Relationships and Transactions</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">122</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_123">Advisory Vote to Approve Executive Compensation (Item 3 on the Horizon Proxy Card)</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">123</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_124">Ratification of Appointment of Independent Auditors (Item 4 on the Horizon Proxy Card)</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">125</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_125">Auditor Fees and Services</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">126</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_126">Section&nbsp;16(a) Beneficial Ownership Reporting Compliance</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">126</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">iii </P>


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


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="96%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>

<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_128">Adjournment of the Annual Meeting (Item 5 on the Horizon Proxy Card)</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">126</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_129">ADDITIONAL INFORMATION ABOUT PEOPLES</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">127</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_130">Business of Peoples</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">127</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_131">Trust Department</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">127</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_132">Non-Bank Subsidiary</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">127</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_133">Employees</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">127</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_134">Regulation and Supervision</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">128</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_135">Properties</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">131</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_136">Legal Proceedings</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">132</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_137">Market Price and Dividend Information and Related Shareholder Matters</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">132</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_138">Management&#146;s Discussion and Analysis of Financial Condition and Results of Operations of Peoples
Bancorp</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">133</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_139">Additional Information Regarding Maurice F. Winkler, III</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">141</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_140">Adjournment of the Special Meeting (Item 2 on the Peoples Proxy Card)</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">143</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_141">INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM AND EXPERTS</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">143</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_142">LEGAL MATTERS</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">143</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_143">SHAREHOLDER PROPOSALS FOR NEXT YEAR</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">143</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_144">Horizon</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">143</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_145">Peoples</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">144</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_146">WHERE YOU CAN FIND MORE INFORMATION</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">144</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_147">PEOPLES BANCORP AND SUBSIDIARIES INDEX TO CONSOLIDATED FINANCIAL STATEMENTS</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">F-1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">APPENDICES</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_148">Appendix A Agreement and Plan of Merger</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="white-space:nowrap">A-1</FONT></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_149">Appendix B Opinion of Keefe, Bruyette&nbsp;&amp; Woods, Inc.</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">B-1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_150">Appendix C Joint Opinion of Patrick Capital Markets, LLC and Cummings&nbsp;&amp; Co., LLC</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">C-1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_151">Appendix D Voting Agreement</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">D-1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx915197_152">Appendix E Chapter 44 of the Indiana Business Corporation Law Concerning Dissenters&#146; Rights</A></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">E-1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">iv </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="tx915197_1"></A>QUESTIONS AND ANSWERS ABOUT THE MERGER AND THE SHAREHOLDERS&#146;
MEETINGS </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>Q:</B></TD>
<TD ALIGN="left" VALIGN="top"><B>Why do Peoples and Horizon want to merge? </B></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">A:</TD>
<TD ALIGN="left" VALIGN="top">We believe that combining Peoples and Horizon will create a stronger Indiana banking franchise. The merger will give the combined company greater scale, not only for serving existing customers more efficiently but also
for future expansion. We have similar, community-oriented philosophies, and the merger is expected to give us a stronger presence in current and new markets. The locations of Peoples&#146; banking offices are consistent with Horizon&#146;s strategic
expansion plan into Northeast Indiana and Southwest Michigan and will enable Horizon to increase its potential customer base by approximately 19.2%. </TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">For additional information regarding each company&#146;s reasons for the merger, see &#147;<I>The Merger &#150; Peoples&#146; Reasons for the
Merger; Board Recommendation</I>&#148; beginning on page &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, and &#147;<I>The Merger &#150; Horizon&#146;s Reasons for the Merger; Board Recommendation</I>&#148; beginning on page
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>Q:</B></TD>
<TD ALIGN="left" VALIGN="top"><B>What will Peoples&#146; shareholders receive in the merger? </B></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">A:</TD>
<TD ALIGN="left" VALIGN="top">If the merger is completed, each share of Peoples common stock held by a Peoples&#146; shareholder owning 100 or more shares will be converted into the right to receive (i)&nbsp;$9.75 in cash (which we refer to as the
&#147;cash consideration&#148;), and (ii)&nbsp;0.95 shares of Horizon common stock (which we refer to as the &#147;exchange ratio&#148;). The cash consideration and exchange ratio are subject to adjustment as described below. We refer to the cash
consideration and the exchange ratio, as adjusted, collectively as the &#147;merger consideration.&#148; If the merger is completed, each share of Peoples common stock held by a Peoples shareholder who owns of record and/or beneficially fewer than
100 shares will receive fixed consideration in the amount of $33.14 per share in cash and will not be entitled to receive any shares of Horizon common stock. </TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><I></I>For those Peoples shareholders who are entitled to receive the cash consideration, Horizon will be entitled to reduce the amount of the
cash consideration if the estimated environmental clean-up costs with respect to the real property owned or leased by Peoples exceed $500,000, or exceed $2,000,000 and Horizon elects not to terminate the Merger Agreement. For more details, see
&#147;<I>The Merger Agreement &#150; Environmental Inspections</I>&#148; beginning on page &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;.<I> </I></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">For those Peoples shareholders who are entitled to receive shares of Horizon common stock as part of the merger consideration, the exchange
ratio is subject to adjustment as follows: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">if prior to the effective time of the merger, Horizon changes the number of shares of Horizon common stock outstanding by way of a stock split, stock dividend, or similar transaction, or if Horizon establishes a record
date for such a change, the exchange ratio will be adjusted so that the holders of Peoples common stock receive at the effective time, in the aggregate, the number of shares of Horizon common stock representing the same percentage of the outstanding
shares of Horizon common stock that they would have received if such change had not occurred; or </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">if Peoples elects to terminate the Merger Agreement because the average closing price of Horizon&#146;s common stock is less than $19.57 for the fifteen consecutive trading days before the date of the receipt of the
approvals and consents necessary to consummate the merger (including any waiting periods applicable to regulatory applications) and if the decline in Horizon&#146;s share price is more than 15% greater than the corresponding price decline in the SNL
Midwest Bank Index, Horizon may elect to negate Peoples&#146; termination by exercising Horizon&#146;s option to increase the exchange ratio pursuant to the formula specified in the Merger Agreement. See &#147;<I>The Merger Agreement &#150; Merger
Consideration</I>&#148; beginning on page &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;. </TD></TR></TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">In lieu
of any fractional shares of Horizon common stock, Horizon will distribute an amount in cash equal to such fraction multiplied by the average per share closing price of a share of Horizon common stock as quoted on the NASDAQ Global Select Market
during the fifteen consecutive trading days preceding the second business day prior to the closing of the merger on which such shares were actually traded. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">1 </P>


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


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>Q:</B></TD>
<TD ALIGN="left" VALIGN="top"><B>Will Horizon&#146;s shareholders receive any shares or cash as a result of the merger? </B></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">A:</TD>
<TD ALIGN="left" VALIGN="top">No, Horizon&#146;s shareholders will not receive any cash or shares in the merger. If you are a Horizon shareholder, each share of Horizon common stock that you hold before the merger will continue to represent one
share of Horizon common stock after the merger. </TD></TR></TABLE> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>Q:</B></TD>
<TD ALIGN="left" VALIGN="top"><B>What risks should Peoples&#146; and Horizon&#146;s shareholders consider before voting on the Merger Agreement? </B></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">A:</TD>
<TD ALIGN="left" VALIGN="top">You should review &#147;<I>Risk Factors</I>&#148; beginning on page &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;. </TD></TR></TABLE>
<P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>Q:</B></TD>
<TD ALIGN="left" VALIGN="top"><B>What are the tax consequences of the merger to Peoples&#146; shareholders? </B></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">A:</TD>
<TD ALIGN="left" VALIGN="top">The merger has been structured so that Horizon, Peoples, and their respective shareholders generally will not recognize any gain or loss for federal income tax purposes on the exchange of Peoples shares for Horizon
shares in the merger. Taxable income will result, however, to the extent a Peoples shareholder receives cash (including cash received in lieu of a fractional share of Horizon common stock) and the cash received exceeds the shareholder&#146;s
adjusted basis in the surrendered stock. At the closing, Horizon and Peoples are to receive an opinion confirming these tax consequences. See &#147;<I>Material Federal Income Tax Consequences</I>&#148; beginning on page
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;. </TD></TR></TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Your tax consequences will depend on your personal
situation. You should consult your tax advisor for a full understanding of the tax consequences of the merger to you. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>Q:</B></TD>
<TD ALIGN="left" VALIGN="top"><B>What will Horizon&#146;s and Peoples&#146; shareholders be voting on at their respective shareholder meetings? </B></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">A:</TD>
<TD ALIGN="left" VALIGN="top">At the Annual Meeting of Shareholders of Horizon (the &#147;Annual Meeting&#148;), Horizon shareholders will be asked to approve the Merger Agreement and the related Plan of Merger, and the transactions contemplated
thereby, including the issuance of Horizon shares in the merger, the election of three directors of Horizon, an advisory proposal on the compensation of Horizon&#146;s executive officers, the ratification of the appointment of BKD, LLP as
Horizon&#146;s independent registered public accounting firm for 2015, as well as any proposal of the Horizon board of directors to adjourn or postpone the Horizon Annual Meeting, if necessary, to solicit additional proxies if there are not
sufficient votes, in person or by proxy, to approve any of these items. The Horizon board of directors unanimously recommends that Horizon shareholders vote <B>&#147;FOR&#148;</B> approval of the Merger Agreement and the related Plan of Merger,
including the issuance of Horizon shares in the merger, <B>&#147;FOR&#148;</B> the election of the director nominees named in this document under &#147;<I>Other Matters to be Considered at the Horizon Annual Meeting</I>,&#148; <B>&#147;FOR&#148;
</B>the approval of the non-binding, advisory proposal to approve the compensation of Horizon&#146;s executive officers, <B>&#147;FOR&#148;</B> the ratification of the appointment of Horizon&#146;s independent registered public accounting firm, and
<B>&#147;FOR&#148;</B> any proposal of the Horizon board of directors to adjourn or postpone the Annual Meeting, if necessary. </TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">At the Special Meeting of Shareholders of Peoples (the &#147;Special Meeting&#148;), Peoples&#146; shareholders will be asked to approve the
Merger Agreement, as well as any proposal of the Peoples board of directors to adjourn or postpone the Peoples Special Meeting, if necessary, to solicit additional proxies if there are not sufficient votes, in person or by proxy, to approve any of
these items. The Peoples board of directors unanimously recommends that Peoples&#146; shareholders vote <B>&#147;FOR&#148;</B> approval of the Merger Agreement, and <B>&#147;FOR&#148; </B>any proposal of the Peoples board of directors to adjourn or
postpone the Special Meeting, if necessary. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>Q:</B></TD>
<TD ALIGN="left" VALIGN="top"><B>What are the vote requirements to approve the matters that will be considered at the shareholder meetings? </B></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">A:</TD>
<TD ALIGN="left" VALIGN="top">At the Horizon Annual Meeting, the affirmative vote of a majority of the issued and outstanding shares of Horizon&#146;s common stock is required to approve the Merger Agreement proposal. Directors will be elected by a
plurality of the votes cast. The advisory vote to approve executive compensation, the ratification of the independent auditors, and the proposal to adjourn the meeting each requires for approval that more votes be cast in favor of the proposal than
against the proposal. </TD></TR></TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">At the Peoples Special Meeting, the affirmative vote of holders of a majority of the issued and
outstanding shares of Peoples common stock is required to approve the Merger Agreement. Approval of the proposal to </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">2 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">
adjourn the Special Meeting to allow extra time to solicit proxies requires more votes to be cast in favor of the proposal than are cast against it. </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>Q:</B></TD>
<TD ALIGN="left" VALIGN="top"><B>What do I need to do now? </B></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">A:</TD>
<TD ALIGN="left" VALIGN="top">After you have carefully read this joint proxy statement/prospectus and have decided how you wish to vote your shares, please vote your shares promptly. If you hold stock in your name as a shareholder of record, you
must complete, sign, date, and mail your proxy card in the enclosed return envelope as soon as possible. If you hold your stock through a bank or broker (commonly referred to as held in &#147;street name&#148;), you may direct your bank or broker to
vote in accordance with the instructions you have received from your bank or broker. Submitting your proxy card or directing your bank or broker to vote your shares will ensure that your shares are represented and voted at your company&#146;s
shareholders&#146; meeting. </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>Q:</B></TD>
<TD ALIGN="left" VALIGN="top"><B>Why is my vote important? </B></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">A:</TD>
<TD ALIGN="left" VALIGN="top">If you do not vote by proxy or in person at your company&#146;s shareholders&#146; meeting, it will be more difficult for your company to obtain the necessary quorum to hold its shareholders&#146; meeting. In addition,
if you are a Peoples shareholder or a Horizon shareholder and fail to vote, by proxy or in person, it will have the same effect as a vote against the approval of the Merger Agreement. The Merger Agreement must be approved by the holders of a
majority of the issued and outstanding shares of Peoples common stock entitled to vote at the Peoples Special Meeting and by the holders of a majority of the issued and outstanding shares of Horizon common stock entitled to vote at the Horizon
Annual Meeting. </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>Q:</B></TD>
<TD ALIGN="left" VALIGN="top"><B>If my shares are held in &#147;street name&#148; by my broker, will my broker vote my shares for me? </B></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">A:</TD>
<TD ALIGN="left" VALIGN="top">If you hold Horizon shares in street name with a broker, your broker will not be able to vote your shares without instructions from you on the proposal to approve the Merger Agreement, the election of directors, the
advisory proposal on the compensation of Horizon&#146;s executive officers, and the proposal of the Horizon board of directors to adjourn or postpone the Horizon Annual Meeting, but is expected to be able to vote your shares on the ratification of
the appointment of the independent registered public accounting firm if it does not receive instructions from you with respect to that matter. If you hold Peoples shares in street name with a broker, your broker will not be able to vote your shares
without instructions from you on the proposal to approve the Merger Agreement or the proposal to adjourn the Special Meeting. You should contact your broker and ask what directions your broker will need from you. If you hold Peoples or Horizon
shares in street name with a broker and you do not provide instructions to your broker on how to vote on the merger, your broker will not be able to vote your shares on that proposal, and this will have the effect of a vote &#147;AGAINST&#148; the
merger. </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>Q:</B></TD>
<TD ALIGN="left" VALIGN="top"><B>I own shares of both Horizon and Peoples. Should I only vote once? </B></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">A:</TD>
<TD ALIGN="left" VALIGN="top">No. If you own shares of both companies, you will receive separate proxy cards or voting instruction cards if you hold shares in street name, for each shareholder meeting. It is important that your vote be represented
at both shareholder meetings, so please vote promptly. </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>Q:</B></TD>
<TD ALIGN="left" VALIGN="top"><B>Can I attend my company&#146;s shareholders&#146; meeting and vote my shares in person? </B></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">A:</TD>
<TD ALIGN="left" VALIGN="top">Yes. All shareholders are invited to attend their company&#146;s shareholders&#146; meeting. If you are a shareholder of record, you can vote in person at your company&#146;s shareholders&#146; meeting. If you hold
shares in street name through a bank, broker, or other nominee, then you must obtain a legal proxy from the holder of record by contacting your bank, broker, or other nominee to vote your shares in person at your company&#146;s shareholders&#146;
meeting. </TD></TR></TABLE> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>Q:</B></TD>
<TD ALIGN="left" VALIGN="top"><B>If I am a Peoples or Horizon shareholder, what happens if I do not vote? </B></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">A:</TD>
<TD ALIGN="left" VALIGN="top">Because the required vote of Peoples shareholders and Horizon shareholders to approve the Merger Agreement is based upon the number of issued and outstanding shares of Peoples common stock or Horizon common stock,
respectively, entitled to vote rather than upon the number of shares actually voted, abstentions from voting and &#147;broker non-votes&#148; will have the same practical effect as a vote &#147;AGAINST&#148; the merger. If you return a properly
signed proxy card but do not indicate how you want to vote, your proxy will be counted as a vote &#147;FOR&#148; the approval and adoption of the merger. </TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">3 </P>


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


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>Q:</B></TD>
<TD ALIGN="left" VALIGN="top"><B>Can I change my vote before my company&#146;s shareholders&#146; meeting? </B></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">A:</TD>
<TD ALIGN="left" VALIGN="top">Yes. If you are a shareholder of record, there are three ways for you to revoke your proxy and change your vote. First, you may send written notice to the Corporate Secretary of your company before your company&#146;s
shareholders&#146; meeting stating that you would like to revoke your proxy. Second, you may complete and submit a new proxy card before your company&#146;s meeting that is dated later than the date of your prior proxy card. Third, you may vote in
person at your company&#146;s shareholders&#146; meeting. Merely being present at your company&#146;s shareholders&#146; meeting, without voting at the meeting, will not constitute a revocation of a previously given proxy. If you hold your shares in
street name with a bank or broker, you must follow the directions you receive from your bank or broker to change your vote. </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>Q:</B></TD>
<TD ALIGN="left" VALIGN="top"><B>When do you currently expect to complete the merger? </B></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">A:</TD>
<TD ALIGN="left" VALIGN="top">We expect to complete the merger early in the third quarter of 2015. However, we cannot assure you when or if the merger will occur. We must first obtain the approval of both Horizon&#146;s and Peoples&#146;
shareholders on the Merger Agreement at the respective companies&#146; shareholders&#146; meetings, as well as all necessary regulatory approvals. </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>Q:</B></TD>
<TD ALIGN="left" VALIGN="top"><B>Do Peoples shareholders have dissenters&#146; rights? </B></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">A:</TD>
<TD ALIGN="left" VALIGN="top">Dissenters&#146; rights are available to Peoples&#146; shareholders under Indiana law, but you will only be able to dissent from the proposed merger by complying with the applicable provisions of the Indiana Business
Corporation Law (&#147;IBCL&#148;). To claim dissenters&#146; rights under the IBCL, you must (i)&nbsp;before the vote on the merger is taken at the Peoples&#146; Special Meeting, deliver to Peoples written notice of your intent to demand payment
for your shares if the merger is effectuated, and (ii)&nbsp;not vote in favor of the merger in person or by proxy at the Special Meeting. Your written notice to demand payment for your shares must be delivered to: Peoples Bancorp, 212 W. 7<SUP
STYLE="font-size:85%; vertical-align:top">th</SUP> Street, Auburn, Indiana 46706, Attention: Jeffrey H. Gatton, Chief Operating Officer and Secretary. If the merger is approved at the Special Meeting, Peoples will send any dissenting shareholders a
notice of dissenters&#146; rights within 10 days after the Special Meeting date which will state the procedures such shareholders must follow to further exercise their dissenters&#146; rights in accordance with the IBCL. If a Peoples&#146;
shareholder executes and returns a proxy card but does not specify a choice on the merger, such shareholder will be deemed to have voted &#147;FOR&#148; the merger and to have waived such shareholder&#146;s dissenters&#146; rights, unless the
shareholder revokes his or her proxy prior to its being voted. See &#147;<I>Dissenters&#146; Rights</I>&#148; beginning on page &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;for a further description of the dissenters&#146;
rights available to Peoples&#146; shareholders. See also <U>Appendix E</U> for the relevant section of the IBCL concerning dissenters&#146; rights. </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>Q:</B></TD>
<TD ALIGN="left" VALIGN="top"><B>Do Horizon&#146;s shareholders have dissenters&#146; rights? </B></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">A:</TD>
<TD ALIGN="left" VALIGN="top">No. Because Horizon&#146;s shares are traded on the NASDAQ Global Select Market, Horizon&#146;s shareholders do not have dissenters&#146; rights under the IBCL. </TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>Q:</B></TD>
<TD ALIGN="left" VALIGN="top"><B>If I am a Peoples shareholder, should I send in my stock certificates now? </B></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">A:</TD>
<TD ALIGN="left" VALIGN="top">No. As soon as practicable after the completion of the merger, you will receive a letter of transmittal describing how you may exchange your shares for the merger consideration and surrender your Peoples share
certificates. At that time, you must send your completed letter of transmittal to Horizon&#146;s exchange agent for the merger named in the letter of transmittal in order to receive the merger consideration. You should not send your Peoples share
certificates until you receive the letter of transmittal. </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>Q:</B></TD>
<TD ALIGN="left" VALIGN="top"><B>If I am a Horizon shareholder, do I need to do anything with my Horizon stock certificates? </B></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">A:</TD>
<TD ALIGN="left" VALIGN="top">No. Horizon shareholders will not exchange their certificates in the merger. As indicated above, the certificates representing shares of Horizon common stock will represent an equal number of shares of common stock of
the combined company after the merger. </TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">4 </P>


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


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>Q:</B></TD>
<TD ALIGN="left" VALIGN="top"><B>Whom should I contact if I have other questions about the Merger Agreement or the merger? </B></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">A:</TD>
<TD ALIGN="left" VALIGN="top">If you have more questions about the Merger Agreement or the merger, you should contact: </TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:8%; font-size:10pt; font-family:Times New Roman">Horizon Bancorp </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:8%; font-size:10pt; font-family:Times New Roman">515 Franklin
Square </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:8%; font-size:10pt; font-family:Times New Roman">Michigan City, Indiana 46360 </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:8%; font-size:10pt; font-family:Times New Roman">(219) 873-2611 </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:8%; font-size:10pt; font-family:Times New Roman">Attention: Mark
E. Secor, Chief Financial Officer </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">You may also contact: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:8%; font-size:10pt; font-family:Times New Roman">Peoples Bancorp </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:8%; font-size:10pt; font-family:Times New Roman">212 W. 7<SUP
STYLE="font-size:85%; vertical-align:top">th</SUP> Street </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:8%; font-size:10pt; font-family:Times New Roman">Auburn, Indiana 46706 </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:8%; font-size:10pt; font-family:Times New Roman">(260) 925-2500 </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:8%; font-size:10pt; font-family:Times New Roman">Attention:
Jeffrey H. Gatton, Chief Operating Officer and Secretary </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">5 </P>


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


<div style ="BORDER-BOTTOM:1.00pt solid #000000;BORDER-LEFT:1.00pt solid #000000;BORDER-RIGHT:1.00pt solid #000000;BORDER-TOP:1.00pt solid #000000;MARGIN-LEFT:0px;MARGIN-RIGHT:0px;WIDTH:100%"><div style="width:97%; margin-top:1.5%; margin-left:1.5%; margin-right:-1.25%">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="tx915197_2"></A>SUMMARY </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I>This summary highlights selected information in this joint proxy statement/prospectus and may not contain all of the information important
to you. To understand the merger more fully, you should read this entire document carefully, including the appendices and the documents referred to in this joint proxy statement/prospectus. A list of the documents incorporated by reference appears
under the caption &#147;Where You Can Find More Information&#148; beginning on page &nbsp;&nbsp;&nbsp;&nbsp;. </I></P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_3"></A>The
Companies </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>Horizon Bancorp </I></B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>515 Franklin Square </I></B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>Michigan City, IN 46360 </I></B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>(219) 874-9272 </I></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Horizon Bancorp is a registered bank holding company incorporated in Indiana and headquartered in Michigan City, Indiana. Horizon provides a
broad range of banking services in Northwestern and Central Indiana and Southwestern and Central Michigan through its bank subsidiary, Horizon Bank, National Association (&#147;Horizon Bank&#148;), and other affiliated entities. Horizon operates as
a single segment, which is commercial banking, and also maintains trust offices in Indianapolis, Indiana and East Lansing, Michigan. Horizon Bank was chartered as a national banking association in 1873, has operated continuously since that time, and
currently operates 32 full service offices. Horizon Bank is a full-service commercial bank offering commercial and retail banking services, corporate and individual trust and agency services, and other services incident to banking. Horizon Risk
Management, Inc. is a captive insurance company incorporated in Nevada and was formed as a wholly-owned subsidiary of Horizon. Horizon&#146;s common stock is traded on the NASDAQ Global Select Market under the trading symbol &#147;HBNC.&#148;
Horizon&#146;s primary regulator is the Board of Governors of the Federal Reserve System, referred to in this joint proxy statement/prospectus as the Federal Reserve Board. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I></I>Horizon&#146;s website address is www.horizonbank.com. Information contained in, or accessible through, Horizon&#146;s website does not
constitute a part of this joint proxy statement/prospectus. Additional information about Horizon and its subsidiaries is included in documents incorporated by reference into this document. For more information, please see the section entitled
&#147;<I>Where You Can Find More Information</I>&#148; beginning on page &nbsp;&nbsp;&nbsp;&nbsp;.<I> </I></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>Peoples Bancorp
</I></B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>212 W 7<SUP STYLE="font-size:85%; vertical-align:top">th</SUP> Street </I></B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>Auburn, IN 46706 </I></B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>(260) 925-2500 </I></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Peoples Bancorp is a unitary savings and loan holding company, with a business address of 212 West Seventh Street, Auburn, Indiana 46706, and
a business telephone number of (260)&nbsp;925-2500. It owns 100% of the capital stock of its subsidiary bank, Peoples Federal Savings Bank of DeKalb County, a federal savings bank. Peoples&#146; common stock is quoted on the OTC Pink Marketplace
under the symbol &#147;PBNI.&#148; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Peoples Federal Savings Bank of DeKalb County (&#147;Peoples Bank&#148;) is a federal savings bank.
Peoples Bank conducts business from its main office in Auburn and 15 other full-service offices located in Avilla, Columbia City, Garrett, Kendallville, LaGrange, Topeka, Waterloo, Howe, Woodburn, and Middlebury, Indiana, and in Three Rivers, Union,
and Schoolcraft, Michigan. Peoples Bank offers a full range of retail deposit services and lending services to Northeastern Indiana and Southern Michigan. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Peoples Bank has one subsidiary, PFDC Investments, Inc., a Nevada corporation, which manages an investment portfolio for Peoples Bank. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I></I>Peoples&#146; website address is www.peoplesfed.com. Information contained in, or accessible through, Peoples&#146; website does not
constitute a part of this joint proxy statement/prospectus. Additional information about Peoples and Peoples Bank is included elsewhere in this joint proxy statement/prospectus. For more information, please see the section entitled &#147;<I>Where
You Can Find More Information</I>&#148; beginning on page &nbsp;&nbsp;&nbsp;&nbsp;.<I> </I></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_4"></A>Annual Meeting of Horizon&#146;s
Shareholders; Required Vote (page &nbsp;&nbsp;&nbsp;&nbsp;) </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Annual Meeting of Horizon&#146;s shareholders is scheduled to be held
be held on &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, &nbsp;&nbsp;&nbsp;&nbsp;, 2015, 10:00 a.m., local time, at the Clarion Inn, 5820 South Franklin Street, Michigan City, Indiana 46360. At the
Horizon Annual Meeting, Horizon&#146;s shareholders will be asked: </P>
 <P STYLE="margin-top:0pt;margin-bottom:0pt; font-size:8pt">&nbsp;</P></div></div>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">6 </P>


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


<div style ="BORDER-BOTTOM:1.00pt solid #000000;BORDER-LEFT:1.00pt solid #000000;BORDER-RIGHT:1.00pt solid #000000;BORDER-TOP:1.00pt solid #000000;MARGIN-LEFT:0px;MARGIN-RIGHT:0px;WIDTH:100%"><div style="width:97%; margin-top:1.5%; margin-left:1.5%; margin-right:-1.25%">


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">To approve the Merger Agreement and the transactions contemplated by the Merger Agreement, including the issuance of shares of Horizon common stock in connection with the merger; </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">To elect three directors to serve three-year terms expiring in 2018; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">To vote on a non-binding, advisory proposal to approve the compensation of Horizon&#146;s executive officers described in this document; </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">To ratify the appointment of BKD, LLP as independent auditors for 2015; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">To approve a proposal to adjourn the Annual Meeting, if necessary, to solicit additional proxies in the event there are not sufficient votes present at the Annual Meeting in person or by proxy to approve any of the
above items; and </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">To transact such other business as may properly come before the Annual Meeting or any adjournment of the Annual Meeting. </TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Only Horizon shareholders of record as of the close of business on &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;,
2015 are entitled to notice of, and to vote at, the Horizon Annual Meeting and any adjournments or postponements of the Annual Meeting. As of the record date, the directors and executive officers of Horizon, and their affiliates, owned
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;shares or approximately &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;% of the
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;outstanding shares of Horizon common stock. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Adoption of the
Merger Agreement proposal requires the affirmative vote of a majority of the issued and outstanding shares of Horizon&#146;s common stock. Directors will be elected by a plurality of the votes cast. The advisory vote to approve executive
compensation, the ratification of the independent auditors, and the proposal to adjourn the Annual Meeting, if necessary, to solicit additional proxies each requires for approval that more votes be cast in favor of the proposal than against the
proposal. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_5"></A>Special Meeting of Peoples&#146; Shareholders; Required Vote (page &nbsp;&nbsp;&nbsp;&nbsp;) </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Special Meeting of Peoples&#146; shareholders is scheduled to be held on
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, 2015, at
&nbsp;&nbsp;&nbsp;&nbsp;:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;p.m., local time, at the La Quinta Inn and Suites, located at 306 Touring Drive, Auburn, Indiana 46706. At the Peoples&#146; Special Meeting,
Peoples&#146; shareholders will be asked to vote to approve the Merger Agreement and the related Plan of Merger. Only Peoples shareholders of record as of the close of business on
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, 2015 are entitled to notice of, and to vote at, the Peoples Special Meeting and any adjournments or postponements of the Special Meeting. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">As of May &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, 2015, the directors and executive officers of Peoples, and
their affiliates, owned 87,187 shares or approximately 3.77% of the 2,311,858 outstanding shares of Peoples common stock. In connection with the execution of the Merger Agreement, the directors of Peoples each executed a voting agreement pursuant to
which they agreed to vote their 83,522 shares, or 3.61% of Peoples&#146; outstanding shares of common stock, in favor of the merger. A copy of that voting agreement is attached as <U>Appendix D</U> to this joint proxy statement/prospectus. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Adoption of the Merger Agreement requires the affirmative vote of holders of a majority of the issued and outstanding shares of Peoples common
stock. Approval of the proposal to adjourn the Special Meeting to allow extra time to solicit proxies requires more votes to be cast in favor of the proposal than are cast against it. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_6"></A>The Merger and the Merger Agreement (page &nbsp;&nbsp;&nbsp;&nbsp;) </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Horizon&#146;s acquisition of Peoples is governed by the Merger Agreement. The Merger Agreement provides that, if all of the conditions are
satisfied or waived, Peoples will be merged with and into Horizon, with Horizon as the surviving corporation. Simultaneous with the merger, Peoples Bank will be merged with and into Horizon Bank, a
<FONT STYLE="white-space:nowrap">wholly-owned</FONT> subsidiary of Horizon, with Horizon Bank surviving. We encourage you to read the Merger Agreement, which is included as <U>Appendix A</U> to this joint proxy statement/prospectus and is
incorporated by reference into this joint proxy statement/prospectus. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_7"></A>What Peoples&#146; Shareholders Will Receive in the
Merger (page &nbsp;&nbsp;&nbsp;&nbsp;) </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If the merger is completed, each share of Peoples common stock held by a shareholder owning 100
or more shares will be converted into the right to receive $9.75 in cash and 0.95 shares of Horizon common stock. However, if a shareholder owns beneficially and/or of record fewer than 100 shares of Peoples&#146; common stock, that shareholder will
be entitled to receive only $33.14 per share and will not be entitled to receive any shares of Horizon common stock. The exchange ratio is subject to the following adjustments: </P>
 <P STYLE="margin-top:0pt;margin-bottom:0pt; font-size:8pt">&nbsp;</P></div></div>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">7 </P>


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


<div style ="BORDER-BOTTOM:1.00pt solid #000000;BORDER-LEFT:1.00pt solid #000000;BORDER-RIGHT:1.00pt solid #000000;BORDER-TOP:1.00pt solid #000000;MARGIN-LEFT:0px;MARGIN-RIGHT:0px;WIDTH:100%"><div style="width:97%; margin-top:1.5%; margin-left:1.5%; margin-right:-1.25%">


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><I>Anti-Dilution Adjustments</I>. If prior to the effective time of the merger, Horizon changes the number of shares of Horizon common stock outstanding by way of a stock split, stock dividend, or similar transaction,
or if Horizon establishes a record date for such a change, the exchange ratio will be adjusted so that the holders of Peoples common stock receive at the effective time, in the aggregate, the number of shares of Horizon common stock representing the
same percentage of the outstanding shares of Horizon common stock that they would have received if such change had not occurred; or </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><I>Decrease in Market Price of Horizon Common Stock</I>. If Peoples elects to terminate the Merger Agreement because the market price of Horizon&#146;s common stock has decreased below certain amounts specified in the
Merger Agreement, Horizon will have the option of increasing the exchange ratio pursuant to the formula specified in the Merger Agreement in lieu of Peoples&#146; right to terminate the Merger Agreement. </TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In lieu of any fractional shares of Horizon common stock, Horizon will distribute an amount in cash equal to such fraction multiplied by the
average per share closing price of a share of Horizon common stock as quoted on the NASDAQ Global Select Market during the fifteen consecutive trading days immediately preceding the second business day prior to the closing of the merger on which
such shares were actually traded. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_8"></A>Recommendation of Horizon Board of Directors (page &nbsp;&nbsp;&nbsp;&nbsp;) </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Horizon board of directors unanimously approved the Merger Agreement, the related Plan of Merger, and the transactions contemplated by the
Merger Agreement, including the issuance of Horizon shares in the merger. The Horizon board believes that the Merger Agreement and the proposed merger are advisable and fair to, and in the best interests of, Horizon and its shareholders, and
therefore recommends that Horizon&#146;s shareholders vote &#147;FOR&#148; the approval of the Merger Agreement and the related Plan of Merger, and the transactions contemplated thereby, including the issuance of shares of Horizon common stock in
the merger. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Horizon board also recommends that you vote &#147;FOR&#148; the election of the director nominees, &#147;FOR&#148; the
advisory vote to approve the compensation of Horizon&#146;s executive officers named in the document, &#147;FOR&#148; the ratification of the appointment of BKD, LLP, and &#147;FOR&#148; any proposal of the Horizon board of directors to adjourn the
Annual Meeting, if necessary. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_9"></A>Recommendation of Peoples Board of Directors (page &nbsp;&nbsp;&nbsp;&nbsp;) </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I></I>The Peoples board of directors unanimously approved the Merger Agreement and the proposed merger. The Peoples board believes that the
Merger Agreement, including the merger contemplated by the Merger Agreement, is advisable and fair to, and in the best interests of, Peoples and its shareholders, and therefore recommends that Peoples&#146; shareholders vote &#147;FOR&#148; the
proposal to adopt the Merger Agreement and the related Plan of Merger. In reaching its decision, the Peoples board of directors considered a number of factors, which are described in the section captioned &#147;<I>The Merger &#150; Peoples&#146;
Reasons for the Merger; Board Recommendation&#148; </I>beginning on page &nbsp;&nbsp;&nbsp;&nbsp;. Because of the wide variety of factors considered, the Peoples board of directors did not believe it practicable, nor did it attempt, to quantify or
otherwise assign relative weight to the specific factors it considered in reaching its decision.<I> </I></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Peoples board also recommends
that you vote &#147;FOR&#148; the proposal to adjourn the Special Meeting, if necessary, to solicit additional proxies in the event there are not sufficient votes present at the Special Meeting in person or by proxy to approve the merger. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_10"></A>Dissenters&#146; Rights (page &nbsp;&nbsp;&nbsp;&nbsp;) </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I></I>Dissenters&#146; rights are available to Peoples&#146; shareholders under Indiana law, but Peoples&#146; shareholders will only be able
to dissent from the proposed merger by complying with the applicable provisions of the Indiana Business Corporation Law (the &#147;IBCL&#148;). For more information, see &#147;<I>Dissenters&#146; Rights</I>&#148; beginning on page
&nbsp;&nbsp;&nbsp;&nbsp;. Because Horizon&#146;s shares are traded on the NASDAQ Global Select Market, Horizon&#146;s shareholders do not have dissenters&#146; rights under the IBCL.<I> </I></P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_11"></A>Voting Agreements (page &nbsp;&nbsp;&nbsp;&nbsp;) </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">As of May 11, 2015, the directors of Peoples owned 83,522 shares or approximately 3.61% of the 2,311,858 outstanding shares of Peoples common
stock. In connection with the execution of the Merger Agreement, the directors of Peoples each executed a voting agreement pursuant to which they agreed to vote their shares in favor of the merger. A copy of that voting agreement is attached as
<U>Appendix D</U> to this joint proxy statement/prospectus. </P>
 <P STYLE="margin-top:0pt;margin-bottom:0pt; font-size:8pt">&nbsp;</P></div></div>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">8 </P>


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


<div style ="BORDER-BOTTOM:1.00pt solid #000000;BORDER-LEFT:1.00pt solid #000000;BORDER-RIGHT:1.00pt solid #000000;BORDER-TOP:1.00pt solid #000000;MARGIN-LEFT:0px;MARGIN-RIGHT:0px;WIDTH:100%"><div style="width:97%; margin-top:1.5%; margin-left:1.5%; margin-right:-1.25%">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_12"></A>Opinion of Peoples&#146; Financial Advisor (page &nbsp;&nbsp;&nbsp;&nbsp;)
</B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In connection with the merger, Peoples&#146; financial advisor, Keefe, Bruyette&nbsp;&amp; Woods, Inc. (&#147;KBW&#148;), delivered a
written opinion, dated February&nbsp;18, 2015, to the Peoples board of directors as to the fairness, from a financial point of view and as of the date of the opinion, of the merger consideration to be received by the holders of Peoples common stock
in the proposed merger. The full text of the opinion, which describes the procedures followed, assumptions made, matters considered, and qualifications and limitations on the review undertaken by KBW in preparing the opinion, is attached as
<U>Appendix B</U> to this joint proxy statement/prospectus. <B>The opinion was for the information of, and was directed to, the Peoples board (in its capacity as such) in connection with its consideration of the financial terms of the merger. The
opinion did not address the underlying business decision of Peoples to engage in the merger or enter into the Merger Agreement or constitute a recommendation to the Peoples board in connection with the merger, and it does not constitute a
recommendation to any holder of Peoples common stock or any shareholders of any other entity as to how to vote in connection with the merger or any other matter.</B> </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_13"></A>Joint Opinion of Horizon&#146;s Financial Advisors (page &nbsp;&nbsp;&nbsp;&nbsp;) </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In connection with the merger, Horizon jointly retained Patrick Capital Markets, LLC (&#147;Patrick Capital&#148;) and Cummings&nbsp;&amp; Co.,
LLC (&#147;C&amp;C&#148;) as its financial advisors. In deciding to approve the Merger Agreement, the Horizon board of directors considered the oral opinion of Patrick Capital and C&amp;C provided to the Horizon board of directors, which was
subsequently confirmed in writing, that based on and subject to the various assumptions and limitations set forth in their opinion, as of February&nbsp;18, 2015, the merger consideration to be paid to Peoples&#146; shareholders in the merger is
fair, from a financial point of view, to the Horizon common shareholders. The full text of Patrick Capital&#146;s and C&amp;C&#146;s joint opinion is attached to this document as <U>Appendix C</U>. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_14"></A>Reasons for the Merger (page &nbsp;&nbsp;&nbsp;&nbsp;) </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I></I>The Peoples board of directors believes that the merger and the Merger Agreement are advisable and fair to, and in the best interests
of, Peoples and its common shareholders and, therefore, the board of directors recommends that Peoples&#146; shareholders vote &#147;FOR&#148; the proposal to adopt the Merger Agreement and the related Plan of Merger. In reaching its decision, the
Peoples board of directors considered many factors, including the factors described under the heading &#147;<I>The Merger &#150; Peoples&#146; Reasons for the Merger; Board Recommendation</I>&#148; beginning on page &nbsp;&nbsp;&nbsp;&nbsp;.<I>
</I></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I></I>Similarly, the Horizon board of directors believes that the merger and the Merger Agreement are advisable and fair to, and in
the best interests of, Horizon and its common shareholders and, therefore, the board of directors recommends that Horizon&#146;s shareholders vote &#147;FOR&#148; the proposal to adopt the Merger Agreement and the related Plan of Merger, and the
transactions contemplated thereby, including the issuance of Horizon shares in the merger. In reaching its decision, the Horizon board of directors considered many factors, including the factors described under the heading &#147;<I>The Merger &#150;
Horizon&#146;s Reasons for the Merger; Board Recommendation</I>&#148; beginning on page &nbsp;&nbsp;&nbsp;&nbsp;.<I> </I></P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_15"></A>Regulatory Approvals (page &nbsp;&nbsp;&nbsp;&nbsp;) </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Under the terms of the Merger Agreement, the merger cannot be completed until Horizon receives necessary regulatory approvals, which include
the approval of the Federal Reserve Bank of Chicago (&#147;FRB&#148;) and the approval of the Office of the Comptroller of the Currency (&#147;OCC&#148;). Horizon has filed applications with both the FRB and OCC to obtain the applicable approvals.
</P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_16"></A>New Horizon Shares Will Be Eligible for Trading (page &nbsp;&nbsp;&nbsp;&nbsp;) </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The shares of Horizon common stock to be issued in the merger will be eligible for trading on the NASDAQ Global Select Market. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_17"></A>Conditions to the Merger (page &nbsp;&nbsp;&nbsp;&nbsp;) </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The obligation of Horizon and Peoples to consummate the merger is subject to the satisfaction or waiver, on or before the completion of the
merger, of a number of conditions, including, but not limited to: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>the Merger Agreement must receive the requisite approval of both Horizon&#146;s and Peoples&#146; shareholders; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">approval of the transaction by the appropriate regulatory authorities; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the representations and warranties made by the parties in the Merger Agreement must be true, accurate, and correct in all material respects as of the effective date of the merger; </TD></TR></TABLE>
 <P STYLE="margin-top:0pt;margin-bottom:0pt; font-size:8pt">&nbsp;</P></div></div>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">9 </P>


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


<div style ="BORDER-BOTTOM:1.00pt solid #000000;BORDER-LEFT:1.00pt solid #000000;BORDER-RIGHT:1.00pt solid #000000;BORDER-TOP:1.00pt solid #000000;MARGIN-LEFT:0px;MARGIN-RIGHT:0px;WIDTH:100%"><div style="width:97%; margin-top:1.5%; margin-left:1.5%; margin-right:-1.25%">


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the covenants made by the parties must have been fulfilled or complied with in all material respects from the date of the Merger Agreement through and as of the effective time of the merger; </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the parties must have received the respective closing deliveries of the other parties to the Merger Agreement; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the Registration Statement on Form S-4, of which this joint proxy statement/prospectus is a part, relating to the Horizon shares to be issued pursuant to the Merger Agreement, must have become effective under the
Securities Act of 1933, as amended, and no stop order suspending the effectiveness of the Registration Statement shall have been issued or threatened by the Securities and Exchange Commission; </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the boards of directors of Horizon and Peoples must have received an opinion from Barnes&nbsp;&amp; Thornburg LLP to the effect that the merger constitutes a tax free &#147;reorganization&#148; for purposes of
Section&nbsp;368 of the Internal Revenue Code, as amended (the &#147;Code&#148;); </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Horizon must have received a letter of tax advice, in a form satisfactory to Horizon, from Peoples&#146; outside, independent certified public accountants to the effect that any amounts that are paid by Peoples or
Peoples Bank before the effective time of the merger, or required under Peoples&#146; employee benefit plans or the Merger Agreement to be paid at or after the effective time, to persons who are &#147;disqualified individuals&#148; under
Section&nbsp;280G of the Code with respect to Peoples, Peoples Bank, or their successors, and that otherwise should be allowable as deductions for federal income tax purposes, should not be disallowed as deductions for such purposes by reason of
Section&nbsp;280G of the Code; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">As of the end of the month prior to the effective time of the merger, Peoples&#146; adjusted consolidated shareholders&#146; equity, as defined in the Merger Agreement, shall not be less than $58,000,000;
</TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Peoples shall have provided notice of termination to that certain Master Agreement, dated October&nbsp;31, 2013, between Peoples Federal Savings Bank and FiServ; </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the Peoples employees specified in the Merger Agreement shall have executed and delivered noncompetition agreements; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Horizon shall have entered into an employment agreement with Jeffrey H. Gatton; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the shares of Horizon common stock to be issued to Peoples&#146; shareholders in the merger must have been approved for listing on the NASDAQ Global Select Market; and </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">there shall be no legal proceedings initiated or threatened seeking to prevent the completion of the merger. </TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I></I>For a further description of the conditions necessary to the completion of the merger, see &#147;<I>The Merger Agreement &#150;
Conditions to the Merger</I>&#148; beginning on page &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;. We cannot be certain when, or if, the conditions to the merger will be satisfied or waived or that the merger will be
completed.<I> </I></P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_18"></A>Termination (page &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;) </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Horizon or Peoples may mutually agree at any time to terminate the Merger Agreement without completing the merger, even if Horizon&#146;s and
Peoples&#146; shareholders have approved it. Also, either party may decide, without the consent of the other party, to terminate the Merger Agreement under specified circumstances, including if the merger is not consummated by December&nbsp;31,
2015, if the required regulatory approvals are not received, or if the Horizon or Peoples shareholders do not approve the Merger Agreement at their respective shareholders&#146; meetings. In addition, either party may terminate the Merger Agreement
if there is a breach of the agreement by the other party that would cause the failure of conditions to the terminating party&#146;s obligation to close, unless the breach is capable of being cured and is cured within twenty business days of notice
of the breach. Peoples also has the right to terminate the Merger Agreement if it receives a proposal which its board of directors determines is superior to the merger with Horizon. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Additionally, Peoples has the right to terminate the Merger Agreement during the five-day period following the date on which all regulatory
approvals and other approvals (disregarding any waiting period applicable to the regulatory approvals) required for the merger are received if Horizon&#146;s average common stock closing price is below $19.57 per share, and the percentage decrease
in stock price of Horizon from Horizon&#146;s closing stock price on the date of the Merger Agreement is more than 15% greater than the percentage decrease in the SNL Midwest Bank Index during the same period. Horizon has the right to prevent
Peoples&#146; termination under those circumstances, however, by agreeing to increase the exchange ratio pursuant to a formula set forth in the Merger Agreement. </P>
 <P STYLE="margin-top:0pt;margin-bottom:0pt; font-size:8pt">&nbsp;</P></div></div>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">10 </P>


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


<div style ="BORDER-BOTTOM:1.00pt solid #000000;BORDER-LEFT:1.00pt solid #000000;BORDER-RIGHT:1.00pt solid #000000;BORDER-TOP:1.00pt solid #000000;MARGIN-LEFT:0px;MARGIN-RIGHT:0px;WIDTH:100%"><div style="width:97%; margin-top:1.5%; margin-left:1.5%; margin-right:-1.25%">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_19"></A>Termination Fee (page
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;) </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Peoples is required to pay Horizon a $3,500,000 termination
fee under the following circumstances: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">if Horizon terminates the Merger Agreement because Peoples&#146; board of directors fails to include its recommendation to approve the merger in the joint proxy statement/prospectus delivered to shareholders or has
withdrawn, modified, or changed its approval or recommendation of the Merger Agreement or approves or publicly recommends an acquisition proposal with a third party, or Peoples has entered into or publicly announced an intention to enter into
another acquisition proposal; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">if either party terminates the Merger Agreement because it is not approved by the requisite vote of the shareholders of Peoples at the Special Meeting or by Horizon because a quorum could not be convened at
Peoples&#146; Special Meeting and, prior to the date that is twelve months after such termination Peoples or Peoples Bank enters into any acquisition agreement with a third party or an acquisition proposal is consummated; or </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">if either party terminates the Merger Agreement because the consummation of the merger has not occurred by December&nbsp;31, 2015, and (i)&nbsp;prior to the date of such termination an acquisition proposal was made by a
third party, and (ii)&nbsp;prior to the date that is twelve months after such termination, Peoples or Peoples Bank enters into any acquisition agreement or any acquisition proposal is consummated. </TD></TR></TABLE>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_20"></A>Interests of Officers and Directors in the Merger that Are Different From Yours (page
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;) </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I></I>When Peoples&#146; shareholders consider the
recommendation of the Peoples board of directors to approve the Merger Agreement and the merger, you should be aware that certain of Peoples&#146; directors and executive officers have interests in the merger that are different from, or in addition
to, the interests of Peoples&#146; shareholders generally that may present actual or apparent conflicts of interest, including certain payments under employment agreements for certain officers and directors of Peoples, the assumption of certain
salary continuation agreements and a retirement benefits agreement with certain Peoples&#146; directors, the payout of a deferred fee agreement with a Peoples&#146; director, the appointment of a Peoples director to the Horizon and Horizon Bank
boards of directors, and the continuation of director and officer indemnification and liability insurance protections. See &#147;<I>Interests of Certain Directors and Officers of Peoples in the Merger</I>&#148; beginning on page
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;.<I> </I></P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_21"></A>Accounting Treatment of the Merger (page
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;) </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The merger will be accounted for as a purchase transaction
in accordance with United States generally accepted accounting principles. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_22"></A>Rights of Shareholders After the Merger (page
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;) </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I></I>When the merger is completed, Peoples shareholders
owning at least 100 shares of Peoples common stock will become Horizon shareholders, and their rights then will be governed by Horizon&#146;s articles of incorporation and bylaws and applicable law. Horizon and Peoples are both organized under
Indiana law. To review the differences in the rights of shareholders under each company&#146;s governing documents, see &#147;<I>Comparison of the Rights of Shareholders</I>&#148; beginning on page
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;.<I> </I></P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_23"></A>Material Federal Tax Consequences of the
Merger (page &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;) </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Horizon and Peoples expect the merger to
qualify as a &#147;reorganization&#148; for U.S. federal income tax purposes. If the merger qualifies as a reorganization, then, in general, for U.S. federal income tax purposes: </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">a holder of Peoples common stock generally will recognize gain, but not loss, in an amount equal to the lesser of (1)&nbsp;the amount of cash received, or (2)&nbsp;the amount of gain &#147;realized&#148; in the merger.
The amount of gain a Peoples shareholder &#147;realizes&#148; will equal the amount by which (a)&nbsp;the cash plus the fair market value of the Horizon common stock received, exceeds (b)&nbsp;the shareholder&#146;s aggregate adjusted tax basis in
the Peoples common stock; and </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">a Peoples shareholder will recognize gain or loss, if any, on any fractional share of Horizon common stock for which cash is received equal to the difference between the amount of cash received and the Peoples
shareholder&#146;s allocable tax basis in the fractional share. </TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">To review the tax consequences of the merger to Peoples
shareholders in greater detail, please see the section &#147;<I>Material Federal Income Tax Consequences</I>&#148; beginning on page &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;. Your tax consequences will depend on your
</P>
 <P STYLE="margin-top:0pt;margin-bottom:0pt; font-size:8pt">&nbsp;</P></div></div>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">11 </P>


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


<div style ="BORDER-BOTTOM:1.00pt solid #000000;BORDER-LEFT:1.00pt solid #000000;BORDER-RIGHT:1.00pt solid #000000;BORDER-TOP:1.00pt solid #000000;MARGIN-LEFT:0px;MARGIN-RIGHT:0px;WIDTH:100%"><div style="width:97%; margin-top:1.5%; margin-left:1.5%; margin-right:-1.25%">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
individual situation. Accordingly, we strongly urge you to consult your independent tax advisor for a full understanding of the particular tax consequences of the merger to you. </P>
 <P STYLE="margin-top:0pt;margin-bottom:0pt; font-size:8pt">&nbsp;</P></div></div>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">12 </P>


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


<div style ="BORDER-BOTTOM:1.00pt solid #000000;BORDER-LEFT:1.00pt solid #000000;BORDER-RIGHT:1.00pt solid #000000;BORDER-TOP:1.00pt solid #000000;MARGIN-LEFT:0px;MARGIN-RIGHT:0px;WIDTH:100%"><div style="width:97%; margin-top:1.5%; margin-left:1.5%; margin-right:-1.25%">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="tx915197_24"></A>SELECTED HISTORICAL CONSOLIDATED FINANCIAL DATA OF HORIZON
</B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The following data is derived from Horizon&#146;s audited annual historical financial statements and its unaudited financial
statements at or for the periods indicated. Per share amounts have been adjusted to reflect all completed stock dividends and splits. This information should be read in conjunction with &#147;Management&#146;s Discussion and Analysis of Financial
Condition and Results of Operations&#148; and the consolidated financial statements and the notes thereto incorporated by reference into this joint proxy statement/prospectus. Results for past periods are not necessarily indicative of results that
may be expected for any future period. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="37%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" ALIGN="center"><B></B>(in thousands, except per share data)<B></B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>At or for the</B><br><B>Three Months Ended</B><br><B>March&nbsp;31,</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="18" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>At or for the year ended December&nbsp;31,</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2013</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2012</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2011</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2010</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>(unaudited)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>(unaudited)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Summary of Operations:</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest Income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">20,093</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">16,467</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">76,205</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">74,886</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">72,528</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">64,614</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">68,491</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest Expense</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,207</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,195</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13,222</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13,503</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14,322</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16,501</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20,875</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net Interest Income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16,886</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13,272</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">62,983</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">61,383</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">58,206</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">48,113</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">47,616</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Provision for Loan Losses</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">614</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,058</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,920</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,524</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,282</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11,554</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net Interest Income after Provision for Loan Losses</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16,272</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13,272</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">59,925</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">59,463</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">54,682</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">42,831</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">36,062</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Non-Interest Income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,066</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,522</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">26,277</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">25,906</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">27,331</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20,299</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19,906</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Non-Interest Expense</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16,068</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14,514</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">61,946</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">58,445</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">54,024</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">46,147</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">42,571</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Income Before Income Taxes</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,270</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,280</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">24,256</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">26,924</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">27,989</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16,983</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13,397</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Income Tax Expense</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,912</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">863</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,155</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,048</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,446</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,186</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,942</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net Income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,358</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,417</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18,101</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19,876</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19,543</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,797</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,455</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net Income Available to Common Shareholders</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">5,327</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,385</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">17,968</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">19,506</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">19,062</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">11,472</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">9,049</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Period-End Balances:</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total Assets</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,153,965</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,806,583</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,076,922</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,758,276</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,848,227</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,547,162</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,400,919</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total Loans, Net</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,444,725</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,084,692</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,362,053</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,052,836</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,172,447</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">964,311</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">863,813</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total Deposits</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,465,096</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,355,571</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,482,319</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,291,520</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,294,153</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,009,865</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">985,498</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total Borrowings</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">473,095</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">268,568</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">383,840</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">288,782</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">378,095</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">400,787</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">291,325</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total Shareholders&#146; Equity</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">199,491</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">169,783</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">194,414</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">164,520</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">158,968</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">121,465</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">112,283</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Per Share Data:</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net Income</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.58</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.39</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.98</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2.26</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2.39</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.55</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.23</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cash Dividends</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.14</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.11</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.51</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.42</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.38</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.31</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.30</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Book Value Per Common Share at Period-End</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">20.25</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">18.22</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">19.75</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">17.64</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">17.00</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">14.68</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">12.74</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
</TABLE>
 <P STYLE="margin-top:0pt;margin-bottom:0pt; font-size:8pt">&nbsp;</P></div></div>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">13 </P>


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


<div style ="BORDER-BOTTOM:1.00pt solid #000000;BORDER-LEFT:1.00pt solid #000000;BORDER-RIGHT:1.00pt solid #000000;BORDER-TOP:1.00pt solid #000000;MARGIN-LEFT:0px;MARGIN-RIGHT:0px;WIDTH:100%"><div style="width:97%; margin-top:1.5%; margin-left:1.5%; margin-right:-1.25%">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="tx915197_25"></A>SELECTED HISTORICAL CONSOLIDATED FINANCIAL DATA OF PEOPLES
</B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I></I>The following tables set forth certain information and other data of Peoples at and for the periods indicated. The selected
financial information presented below is derived in part from Peoples&#146; consolidated financial statements. The following information is only a summary and you should read it in conjunction with Peoples&#146; consolidated financial statements and
notes beginning on page F-1, and in conjunction with Peoples&#146; &#147;<I>Management&#146;s Discussion and Analysis of Financial Condition and Results of Operations</I>&#148; beginning on page
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;. The information as of and for each of the two years ended September&nbsp;30, 2014 and 2013 is derived in part from the audited consolidated financial statements of Peoples
that appear in this joint proxy statement/prospectus. The information as of and for the years ended September&nbsp;30, 2012, 2011, and 2010 is derived in part from audited consolidated financial statements of Peoples that do not appear in this joint
proxy statement/prospectus. The information as of and for the six months ended March&nbsp;31, 2015 and 2014 is unaudited. However, in the opinion of management of Peoples, all adjustments, consisting of normal recurring adjustments, necessary for a
fair presentation of the results of operations for the unaudited periods have been made. Results for past periods are not necessarily indicative of the results that may be expected for any future period.<I> </I></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" ALIGN="center">


<TR>
<TD WIDTH="44%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>As of March&nbsp;31,</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="18" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>As of September&nbsp;30,</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2013</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2012</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2011</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2010</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"><B>(unaudited)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman"><B>Balance Sheet Data:</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Total assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">476,922,955</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">468,434,171</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">471,184,008</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">450,760,405</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">484,309,302</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">480,583,263</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">472,522,,994</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Loans receivable including loans held for sale, net</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">228,033,155</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">234,114,629</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">229,144,878</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">228,360,874</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">222,302,227</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">222,251,918</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">251,003,932</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Investments and other interest earning assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">211,132,757</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">203,748,864</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">211,192,235</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">192,553,393</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">226,841,796</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">226,754,365</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">193,715,510</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Deposits</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">358,291,889</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">354,759,605</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">353,920,254</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">349,677,821</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">359,359,011</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">353,810,967</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">338,792,106</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Borrowed funds</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">51,683,064</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">50,992,239</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">52,867,522</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">40,061,234</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">56,746,457</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">61,022,847</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">69,743,961</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Stockholder&#146;s equity</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">62,234,301</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">59,423,579</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">60,764,630</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">58,282,473</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">63,253,783</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">61,618,201</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">60,213,402</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Book value per share</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">26.92</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">25.68</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">26.28</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">25.19</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">26.37</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">25.12</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">24.23</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" ALIGN="center">


<TR>
<TD WIDTH="46%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>For the Six Months<BR>Ended</B><br><B>March&nbsp;31,</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="18" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>For the Year Ended September&nbsp;30,</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2013</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2012</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2011</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2010</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"><B>(unaudited)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman"><B>Operating Data:</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Interest income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">7,445,819</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">7,826,357</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">15,478,204</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">15,369,552</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">17,514,489</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">19,703,047</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">21,687,996</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Interest expense</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,483,523</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,526,629</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,018,748</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,708,773</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,446,755</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,468,946</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,417,974</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Net interest income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">5,962,296</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">6,299,728</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">12,459,456</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">11,660,779</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">12,067,734</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">13,234,101</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">13,270,022</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Provision for losses on loans</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">69,250</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">177,500</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">385,250</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">263,750</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">423,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">768,501</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,041,874</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Net interest income after provision for losses on loans</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">5,893,046</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">6,122,228</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">12,074,206</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">11,397,029</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">11,644,734</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">12,465,600</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">12,228,148</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Non-interest income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,884,675</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,558,336</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,650,525</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,202,038</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,634,995</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,131,312</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,399,917</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Non-interest expense</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,116,041</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,979,195</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11,834,882</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,820,996</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11,967,527</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,097,194</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11,830,544</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Income before income taxes</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,661,680</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,701,369</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,889,849</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,778,071</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,312,202</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,499,718</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,797,521</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Income tax expense</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">187,039</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">195,705</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">485,526</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">151,276</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">268,546</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">729,423</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">506,977</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Net income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,474,641</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,505,664</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,404,323</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,626,795</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,043,656</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,770,295</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,290,544</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Basic income per common share</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.64</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.65</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.47</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.11</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.26</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.52</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.28</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Diluted income per common share</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.64</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.65</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.47</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.11</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.26</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.52</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.28</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Dividends per common share</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.40</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.40</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.80</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.80</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.80</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.76</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.76</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman"><B>Other Data:</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Average yield on all interest-earning assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.33</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.62</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.56</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.50</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.85</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.41</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.81</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Average cost of all interest-bearing liabilities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.76</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.81</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.80</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.98</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.37</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.64</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.12</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Interest rate spread</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.57</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.81</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.76</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.52</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.48</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.77</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.69</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Net interest margin</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.66</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.92</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.86</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.66</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.65</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.96</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.94</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Return on assets (net income divided by average total assets)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.62</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.65</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.73</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.56</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.63</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.79</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.69</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Return on equity (net income divided by average total equity)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.88</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5.08</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5.67</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.24</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.85</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6.27</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5.47</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Dividend payout ratio (dividends per common share divided by net income per common share)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">61.54</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">61.54</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">54.42</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">72.07</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">63.49</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">50.00</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">59.38</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
</TABLE>
 <P STYLE="margin-top:0pt;margin-bottom:0pt; font-size:8pt">&nbsp;</P></div></div>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">14 </P>


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


<div style ="BORDER-BOTTOM:1.00pt solid #000000;BORDER-LEFT:1.00pt solid #000000;BORDER-RIGHT:1.00pt solid #000000;BORDER-TOP:1.00pt solid #000000;MARGIN-LEFT:0px;MARGIN-RIGHT:0px;WIDTH:100%"><div style="width:97%; margin-top:1.5%; margin-left:1.5%; margin-right:-1.25%">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_26"></A>Per Share Equivalent Information </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The following table sets forth the book value per share, cash dividends per share, and basic and diluted earnings per common share data for
each of Horizon and Peoples on a historical basis, for Horizon on a pro forma combined basis, and on a pro forma combined basis per Peoples equivalent share. The data in the column &#147;Pro Forma Equivalent per Peoples Share&#148; shows the effect
of the merger from the perspective of an owner of Peoples common stock, and was obtained by multiplying the Combined Pro Forma Amounts for Horizon by the exchange ratio of 0.95. The pro forma financial information in the table below is provided for
illustrative purposes, does not include any projected cost savings, revenue enhancements, or other possible financial benefits of the merger to the combined company, and does not attempt to suggest or predict future results. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">We present this information to reflect the fact that Peoples shareholders who own at least 100 shares of Peoples common stock will receive
0.95 shares of Horizon common stock for each share of Peoples common stock exchanged in the merger (unless adjusted in accordance with the Merger Agreement). This information does not purport to reflect what the historical results of the combined
company would have been had Peoples and Horizon been combined during these periods. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="92%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="60%"></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Horizon</B><br><B>Historical</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Peoples</B><br><B>Historical</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Combined</B><br><B>Pro&nbsp;Forma</B><br><B>Amounts&nbsp;for</B><br><B>Horizon</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Pro<BR>Forma<BR>Equivalent<BR>Per<BR>Peoples<BR>Share</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Book value per share:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">at March&nbsp;31, 2015</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">20.25</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">26.92</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">20.58</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">19.55</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">at December&nbsp;31, 2014</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">19.75</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">26.53</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">20.12</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">18.93</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cash dividends per share:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Three months ended March&nbsp;31, 2015</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.14</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.14</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.13</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Year ended December&nbsp;31, 2014/September 30, 2014<SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.51</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.80</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.51</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.48</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Basic earnings (loss) per share:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Three months ended March&nbsp;31, 2015</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.58</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.28</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.52</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.49</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Year ended December&nbsp;31, 2014/September 30, 2014<SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.98</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.47</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.89</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.80</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Diluted earnings (loss) per share:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Three months ended March&nbsp;31, 2015</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.55</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.28</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.50</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.48</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Year ended December&nbsp;31, 2014/September 30, 2014<SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.90</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.47</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.82</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.73</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
</TABLE> <P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:10%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(1)</TD>
<TD ALIGN="left" VALIGN="top">Amounts presented for Horizon are for its fiscal year ended December&nbsp;31, 2014, while amounts presented for Peoples are for its fiscal year ended September&nbsp;30, 2014. </TD></TR></TABLE>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_27"></A>Market Prices and Share Information </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The following table shows (1)&nbsp;the closing market prices of Horizon common stock as quoted on the NASDAQ Global Select Market and of
Peoples common stock as quoted on the OTC Pink Marketplace on February&nbsp;18, 2015, the last business day prior to the announcement of the merger, and on &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, 2015, the most
recent date practicable preceding the date of this joint proxy statement/prospectus, and (2)&nbsp;the equivalent pro forma value of a share of Peoples common stock at such dates based on the value of the consideration to be received in the merger
with respect to each share. The equivalent prices per share of Peoples common stock were calculated by multiplying the market price of Horizon common stock by 0.95, which is the exchange ratio for the merger (subject to adjustment), and by adding
the per share cash consideration of $9.75 (subject to adjustment). All amounts in the table below are presented in dollars per share. </P>
 <P STYLE="margin-top:0pt;margin-bottom:0pt; font-size:8pt">&nbsp;</P></div></div>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">15 </P>


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


<div style ="BORDER-BOTTOM:1.00pt solid #000000;BORDER-LEFT:1.00pt solid #000000;BORDER-RIGHT:1.00pt solid #000000;BORDER-TOP:1.00pt solid #000000;MARGIN-LEFT:0px;MARGIN-RIGHT:0px;WIDTH:100%"><div style="width:97%; margin-top:1.5%; margin-left:1.5%; margin-right:-1.25%">


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="84%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="52%"></TD>
<TD VALIGN="bottom" WIDTH="11%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="11%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="11%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Horizon</B><br><B>Common&nbsp;Stock</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Peoples</B><br><B>Common&nbsp;Stock</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Equivalent&nbsp;Pro<BR>Forma&nbsp;Per&nbsp;Share&nbsp;of<BR>Peoples Common<BR>Stock</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">February&nbsp;18, 2015</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">23.02</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">26.00</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">31.62</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">__________, 2015</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>
 <P STYLE="margin-top:0pt;margin-bottom:0pt; font-size:8pt">&nbsp;</P></div></div>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">16 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="tx915197_28"></A>RISK FACTORS </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I></I>In addition to the other information contained in or incorporated by reference into this joint proxy statement/prospectus (see
&#147;<I>Where You Can Find More Information</I>&#148; on page &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;), including the risk factors included in Horizon&#146;s Annual Report on Form 10-K for the year ended
December&nbsp;31, 2014, you should consider carefully the risk factors described below in deciding how to vote. You should keep these risk factors in mind when you read forward-looking statements in this document and in the documents incorporated by
reference into this document. Please refer to the section of this joint proxy statement/prospectus titled &#147;<I>Cautionary Note About Forward-Looking Statements</I>&#148; on page
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;.<I> </I></P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>Peoples&#146; shareholders cannot be certain of the market value
of the merger consideration they will receive, because the market price of Horizon common stock will fluctuate and the exchange ratio and cash consideration are subject to adjustment. </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Upon completion of the merger, each share of Peoples common stock held by a shareholder who holds at least 100 shares will be converted into
the right to receive $9.75 in cash and 0.95 shares of Horizon common stock. The market value of the merger consideration may vary from the closing price of Horizon common stock on the date the merger was announced, on the date that this document was
mailed to Horizon&#146;s and Peoples&#146; shareholders, on the date of the annual meeting of Horizon&#146;s shareholders and the date of the special meeting of Peoples&#146; shareholders, and on the date Horizon and Peoples complete the merger and
thereafter. Also, if Peoples elects to terminate the Merger Agreement because Horizon&#146;s stock price has decreased by the amount specified in the Merger Agreement, Horizon may avoid that termination by increasing the exchange ratio as provided
in the Merger Agreement. Any change in the exchange ratio, the market price of Horizon&#146;s common stock or the cash consideration prior to completion of the merger will affect the amount and the market value of the merger consideration that
Peoples&#146; shareholders who hold at least 100 shares of Peoples common stock will receive upon completion of the merger. Accordingly, at the time of the Peoples special meeting, Peoples&#146; shareholders will not know, or be able to calculate
with certainty, the amount or the market value of the merger consideration they will receive upon completion of the merger. Stock price changes may result from a variety of factors, including general market and economic conditions, changes in the
business, operations and prospects of Horizon, and regulatory considerations. Many of these factors are beyond Horizon&#146;s or Peoples&#146; control. You should obtain current market quotations for shares of Horizon common stock before you vote.
</P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>The Merger Agreement may be terminated in accordance with its terms and the merger may not be completed, which could have a negative impact on
Peoples. </I></B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Merger Agreement with Horizon is subject to a number of conditions that must be fulfilled in order to close. Those
conditions include: approval by the shareholders of both Horizon and Peoples, regulatory approval, the continued accuracy of certain representations and warranties by both parties and the performance by both parties of certain covenants and
agreements. In particular, Horizon is not obligated to close if, subject to the conditions in the Merger Agreement, the estimated environmental clean-up costs exceed $2,000,000. In addition, certain circumstances exist in which Peoples may terminate
the merger, including by accepting a superior proposal or by electing to terminate if Horizon&#146;s stock price declines below a specified level. Peoples has the right to terminate the Merger Agreement if Horizon&#146;s average common stock closing
price over the 15-trading day period immediately preceding the date on which all regulatory approvals approving the merger (disregarding any waiting period applicable thereto) and all other approvals and consents necessary for the consummation of
the merger are received (referred to as the &#147;determination date&#148;) is below $19.57 per share, and the percentage decrease in the stock price of Horizon from Horizon&#146;s closing stock price on the date of the Merger Agreement is more than
15% greater than the percentage decrease in the SNL Midwest Bank Index during the same period. However, Horizon has the right to prevent Peoples&#146; termination by agreeing to increase the exchange ratio pursuant to a formula set forth in the
Merger Agreement. See &#147;<I>The Merger Agreement &#150; Merger Consideration</I>&#148; (beginning on page &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;) for a more complete discussion of the merger consideration to be
paid in this proposed transaction and &#147;<I>&#150; Termination</I>&#148; for a more complete discussion of the circumstances under which the Merger Agreement could be terminated. There can be no assurance that the conditions to closing the merger
will be fulfilled or that the merger will be completed. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If the Merger Agreement is terminated, there may be various consequences to
Peoples, including: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Peoples&#146; business may have been adversely impacted by the failure to pursue other beneficial opportunities due to the focus of management on the merger, without realizing any of the anticipated benefits of
completing the merger; and </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Peoples may have incurred substantial expenses in connection with the merger, without realizing any of the anticipated benefits of completing the merger. </TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">17 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If the Merger Agreement is terminated and Peoples&#146; board of directors approves another
merger or business combination, under certain circumstances Peoples may be required to pay Horizon a $3,500,000 termination fee, and Peoples shareholders cannot be certain that Peoples will be able to find a party willing to pay an equivalent or
more attractive price than the price Horizon has agreed to pay in the merger. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>The completion of the merger is subject to the receipt of regulatory
approvals from the Federal Reserve Board and the Office of the Comptroller of the Currency, which may take longer than expected or impose conditions that are not presently anticipated or cannot be met. </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Before the transactions contemplated in the Merger Agreement may be completed, various approvals must be obtained from the Federal Reserve
Board and the Office of the Comptroller of the Currency. These governmental entities may impose conditions on the completion of the merger or require changes to the terms of the Merger Agreement. Although Horizon and Peoples do not currently expect
that any such conditions or changes will be imposed, there can be no assurance that they will not be, and such conditions or changes could have the effect of delaying completion of the transactions contemplated in the Merger Agreement or imposing
additional costs on or limiting Horizon&#146;s revenues, any of which might have a material adverse effect on Horizon following the merger. There can be no assurance as to whether the regulatory approvals will be received, the timing of those
approvals, or whether any conditions will be imposed. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>Peoples&#146; shareholders will have a reduced ownership and voting interest after the merger
and will exercise less influence over management. </I></B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Peoples&#146; shareholders currently have the right to vote in the election of
the Peoples board of directors and on other significant matters affecting Peoples, such as the proposed merger with Horizon. When the merger occurs, each Peoples shareholder who holds at least 100 shares of Peoples common stock will become a
shareholder of Horizon with a percentage ownership of the combined organization that is much smaller than the shareholder&#146;s percentage ownership of Peoples. Based on the anticipated number of Horizon common shares to be issued in the merger, it
is anticipated that the Peoples shareholders will only own approximately 19% of all of the outstanding shares of Horizon&#146;s common stock. Because of this, Peoples&#146; shareholders will have less influence on the management and policies of
Horizon than they now have on the management and policies of Peoples. Furthermore, shareholders of Horizon do not have preemptive or similar rights, and therefore, Horizon can sell additional voting securities in the future without offering them to
the former Peoples shareholders, which would further reduce their ownership percentage in, and voting control over, Horizon. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>Horizon may be unable
to successfully integrate Peoples Bank&#146;s operations and retain Peoples Bank&#146;s employees. </I></B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Simultaneous with the closing
of the merger, Peoples Bank will be merged with and into Horizon Bank. The possible difficulties of merging the operations of Peoples Bank with Horizon Bank include: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">integrating personnel with diverse business backgrounds; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">combining different corporate cultures; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">integrating systems; and </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">retaining key employees. </TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The process of integrating operations could cause an interruption
of, or loss of momentum in, the activities of one or more of Horizon, Horizon Bank, or Peoples Bank, and the loss of key personnel. The merger of Peoples Bank with Horizon Bank will benefit greatly from the experience and expertise of certain key
employees of Peoples Bank who are expected to be retained by Horizon. However, there can be no assurances that Horizon will be successful in retaining these employees for the time period necessary to integrate Peoples Bank into Horizon Bank at the
level desired by Horizon. The diversion of management&#146;s attention and any delays or difficulties encountered in connection with the merger and integration of Peoples Bank into Horizon Bank could have an adverse effect on the business and
results of operations of Horizon or Horizon Bank, and therefore, its stock price. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>Horizon may be unable to retain Peoples&#146; customers or grow
the Peoples business. </I></B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Peoples operates in geographic markets and with customers primarily located in or near DeKalb, Elkhart,
LaGrange, Noble, Whitley, and Allen Counties in Northeast and North-Central Indiana, and Cass, Kalamazoo, and St. Joseph Counties in South-Central Michigan. Horizon&#146;s markets and customers are located primarily in Northwest and Central Indiana
and Southwest Michigan. Although Horizon is not anticipating major differences between the preferences of Peoples&#146; customers compared to Horizon&#146;s customers, any time there is a change in products, services, ownership, or management of a
bank, there is a risk that customers may seek to obtain some or all of their banking products and services from other banks. Horizon </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">18 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
believes that the desire of Peoples&#146; customers to seek products or services elsewhere as a result of the merger will be lessened by the fact that the shareholders of Peoples will continue to
own a portion of the combined operations after the merger and because key employees of Peoples will be continuing with the bank after the merger. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>The fairness opinion delivered to Peoples&#146; board of directors does not reflect changes in circumstances subsequent to the date of the fairness
opinion. </I></B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The fairness opinion of KBW was delivered to Peoples&#146; board of directors on February&nbsp;18, 2015 and speaks only
as of such date. Changes in operations and prospects of Horizon and Peoples, general market and economic conditions, and other factors both within and outside of Horizon&#146;s and Peoples&#146; control may significantly alter the relative value of
the companies by the time the merger is completed. KBW&#146;s opinion does not speak as of the time the merger will be completed or as of any date other than the date of such opinion. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>The termination fee and the restrictions on solicitation contained in the Merger Agreement may discourage other companies from attempting to acquire
Peoples. </I></B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Until the completion of the merger, with some exceptions, Peoples is prohibited from soliciting, initiating, encouraging,
or participating in any discussion of, or otherwise considering, any inquiries or proposals that may lead to an acquisition proposal, such as a merger or other business combination transaction, with any person or entity other than Horizon. In
addition, Peoples has agreed to pay a termination fee of $3,500,000 to Horizon if the board of directors of Peoples withdraws, modifies, or changes its approval or recommendation of the Merger Agreement and approves or recommends an alternate
acquisition transaction with a third party. These provisions could discourage other companies from trying to acquire Peoples even though such other companies might be willing to offer greater value to Peoples&#146; shareholders than Horizon has
offered in the Merger Agreement. The payment of the termination fee also could have a material adverse effect on Peoples&#146; financial condition. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>Certain of Peoples&#146; officers and directors have interests that are different from, or in addition to, the interests of Peoples&#146; shareholders
generally. </I></B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I></I>Certain of Peoples&#146; directors and executive officers have interests in the merger that are different from,
or in addition to, the interests of Peoples&#146; shareholders generally that may present actual or apparent conflicts of interest, including payments under the employment agreements for certain executive officers of Peoples, the assumption by
Horizon (and the payout by Peoples) of certain salary continuation agreements and a retirement benefits agreement with certain directors of Peoples, the appointment of a Peoples director to the Horizon and Horizon Bank boards of directors, the
payout of a deferred fee agreement with a Peoples&#146; director, and the continuation of director and officer indemnification and liability insurance protections. See &#147;<I>Interests of Certain Directors and Officers of Peoples in the
Merger</I>&#148; beginning on page &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;.<I> </I></P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>The merger may fail to qualify
as a reorganization for federal tax purposes, resulting in the recognition by Peoples&#146; shareholders of taxable gain or loss in respect of their Peoples shares. </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Horizon and Peoples intend the merger to qualify as a reorganization within the meaning of Section&nbsp;368(a) of the Code. Although the
Internal Revenue Service will not provide a ruling on the matter, Horizon and Peoples, as a condition to closing, will obtain an opinion from Horizon&#146;s legal counsel that the merger will constitute a reorganization for federal tax purposes.
This opinion does not bind the IRS or prevent the IRS from adopting a contrary position. If the merger fails to qualify as a reorganization, a Peoples shareholder generally would recognize gain or loss in an amount equal to the difference between
(1)&nbsp;the sum of the amount of cash and the aggregate fair market value of the Horizon common stock received in the exchange, and (2)&nbsp;the Peoples shareholder&#146;s aggregate adjusted tax basis in the Peoples common stock surrendered in the
exchange. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>The shares of Horizon common stock to be received by Peoples shareholders as a result of the merger will have different rights from the
shares of Peoples common stock. </I></B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I></I>The rights associated with Peoples&#146; common stock are different from the rights
associated with Horizon&#146;s common stock. See the section of this joint proxy statement/prospectus entitled &#147;<I>Comparison of the Rights of Shareholders</I>&#148; (beginning on page
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;) for a discussion of the different rights associated with Horizon&#146;s and Peoples&#146; common stock.<I> </I></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">19 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="tx915197_29"></A>CAUTIONARY NOTE ABOUT FORWARD-LOOKING STATEMENTS </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This joint proxy statement/prospectus contains forward-looking statements that have been made pursuant to the provisions of, and in reliance
on the safe harbor under, the Private Securities Litigation Reform Act of 1995 (the &#147;Reform Act&#148;). Forward-looking statements include statements with respect to management&#146;s beliefs, plans, objectives, goals, expectations,
anticipations, assumptions, estimates, intentions, and future performance, and involve known and unknown risks, uncertainties and other factors, which may be beyond the control of Horizon and Peoples, and which may cause actual results, performance,
or achievements to be materially different from future results, performance, or achievements expressed or implied by such forward-looking statements. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In addition, certain statements may be contained in the future filings of Horizon with the SEC, in press releases, and in oral and written
statements made by or with the approval of Horizon that are not statements of historical fact and constitute forward-looking statements within the meaning of the Reform Act. Examples of such forward-looking statements include, but are not limited
to: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">statements about the benefits of the merger between Horizon and Peoples, including future financial and operating results, cost savings, enhanced revenues and accretion to reported earnings that may be realized from the
merger; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">statements of plans, objectives, and expectations of Horizon or Peoples or their managements or boards of directors; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">statements of future economic performance; and </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">statements of assumptions underlying such statements. </TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">All statements other than statements of
historical fact are statements that could be forward-looking statements. Words such as &#147;believe,&#148; &#147;contemplate,&#148; &#147;seek,&#148; &#147;estimate,&#148; &#147;plan,&#148; &#147;project,&#148; &#147;anticipate,&#148;
&#147;assume,&#148; &#147;expect,&#148; &#147;intend,&#148; &#147;targeted,&#148; &#147;continue,&#148; &#147;remain,&#148; &#147;will,&#148; &#147;should,&#148; &#147;indicate,&#148; &#147;would,&#148; &#147;may,&#148; and other similar expressions
are intended to identify forward-looking statements but are not the exclusive means of identifying such statements. Forward-looking statements provide current expectations or forecasts of future events and are not guarantees of future performance,
nor should they be relied upon as representing management&#146;s views as of any subsequent date. The forward-looking statements are based on management&#146;s expectations and are subject to a number of risks and uncertainties. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Forward-looking statements are not guarantees of future performance and involve certain risks, uncertainties, and assumptions that are
difficult to predict. Therefore, actual outcomes and results may differ materially from what is expressed or forecasted in such forward-looking statements. Factors that could cause actual results to differ from those discussed in the forward-looking
statements include, but are not limited to: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the risk that the businesses of Horizon and Peoples will not be integrated successfully or such integration may be more difficult, time-consuming, or costly than expected; </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">expected revenue synergies and cost savings from the merger may not be fully realized or realized within the expected time frame; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">revenues or earnings following the merger may be lower than expected; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">deposit attrition, operating costs, customer loss, and business disruption following the merger, including, without limitation, difficulties in maintaining relationships with employees, may be greater than expected;
</TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the inability to obtain governmental approvals of the merger on the proposed terms and schedule; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the failure of Horizon&#146;s and/or Peoples&#146; shareholders to approve the merger; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">local, regional, national, and international economic conditions and the impact they may have on Horizon and Peoples and their customers and Horizon&#146;s and Peoples&#146; assessment of that impact; </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">changes in the level of non-performing assets, delinquent loans, and charge-offs; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">material changes in the value of Horizon&#146;s common stock; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">changes in estimates of future reserve requirements based upon the periodic review thereof under relevant regulatory and accounting requirements; </TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">20 </P>


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


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the risk that management&#146;s assumptions and estimates used in applying critical accounting policies prove unreliable, inaccurate, or not predictive of actual results; </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">inflation, interest rate, securities market, and monetary fluctuations; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">changes in interest rates, spreads on earning assets and interest-bearing liabilities, and interest rate sensitivity; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">prepayment speeds, loan originations, and credit losses; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">sources of liquidity; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">competitive pressures among depository and other financial institutions may increase and have an effect on pricing, spending, third-party relationships, and revenues; </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">changes in laws and regulations (including laws and regulations concerning taxes, banking, and securities) with which Horizon and Peoples must comply; </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the effects of, and changes in, trade, monetary, and fiscal policies and laws, including interest rate policies of the Federal Reserve Board; </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Horizon&#146;s and Peoples&#146; common shares outstanding and common stock price volatility; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">legislation affecting the financial services industry as a whole, and/or Horizon and Peoples and their subsidiaries, individually or collectively; </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">governmental and public policy changes; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">financial resources in the amounts, at the times, and on the terms required to support Horizon&#146;s and Peoples&#146; future businesses; and </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the impact on Horizon&#146;s or Peoples&#146; businesses, as well as on the risks set forth above, of various domestic or international military or terrorist activities or conflicts. </TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Additional factors that could cause Horizon&#146;s results to differ materially from those described in the forward-looking statements can be
found in Horizon&#146;s Annual Reports on Form 10-K, Quarterly Reports on Form 10-Q, and Current Reports on Form 8-K filed with the SEC. All subsequent written and oral forward-looking statements concerning the proposed transaction or other matters
and attributable to Horizon or Peoples or any person acting on their behalf are expressly qualified in their entirety by the cautionary statements referenced above. Forward-looking statements speak only as of the date on which such statements are
made. Horizon and Peoples undertake no obligation to update any forward-looking statement to reflect events or circumstances after the date on which such statement is made, or to reflect the occurrence of unanticipated events. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">We caution you not to place undue reliance on the forward-looking statements. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">21 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="tx915197_30"></A>UNAUDITED PRO FORMA COMBINED FINANCIAL INFORMATION </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The following tables present the unaudited pro forma combined condensed financial information for Horizon and Peoples, giving effect to the
merger. The unaudited pro forma combined condensed balance sheet as of March&nbsp;31, 2015 gives effect to the merger as if it occurred on that date. The unaudited pro forma combined condensed income statements for the three months ended
March&nbsp;31, 2015, and for the twelve months ended December&nbsp;31, 2014, present the combined results of operations of Horizon and Peoples as if the merger had been effective on January&nbsp;1 of each respective year. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I></I>In the transaction, Peoples will merge with and into Horizon, with Horizon as the surviving entity. Simultaneously with the merger of
Peoples and Horizon, Peoples Bank will merge with and into Horizon Bank. In connection with the merger, each outstanding share of Peoples common stock (other than shares then held of record by Horizon, shares held as treasury shares of Peoples, or
dissenting shares) shall be converted into the right to receive $9.75 in cash and 0.95 shares of Horizon common stock, subject to certain adjustments as described in the Merger Agreement. However, shareholders who hold fewer than 100 shares of
Peoples common stock will be entitled to receive only fixed consideration of $33.14 per share in cash and will not be entitled to receive any shares of Horizon common stock. Each Peoples shareholder also will receive cash in lieu of any fractional
shares of Horizon common stock that such shareholder would otherwise receive in the merger, with the amount of cash based on the market value of one share of Horizon common stock determined shortly before the closing of the merger. See &#147;<I>The
Merger Agreement &#150; Merger Consideration</I>&#148; beginning on page &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;.<I> </I></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Horizon expects that it will incur merger and integration charges as a result of the merger. The unaudited pro forma combined condensed
financial information, while helpful in illustrating the financial characteristics of the combined company under one set of assumptions, may not reflect all of these anticipated financial expenses and does not reflect any possible financial
benefits, and, accordingly, does not attempt to predict or suggest future results. It also does not necessarily reflect what the historical results of the combined company would have been had Horizon and Peoples been combined during the periods
presented. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The merger will be accounted for under the purchase method of accounting under accounting principles generally accepted in the
United States (&#147;GAAP&#148;). Under the purchase method of accounting, the assets and liabilities of Peoples, as of the completion date of the merger, will be recorded at their fair values and the excess of the purchase price over the fair value
of the net assets will be allocated to goodwill. Financial statements of Horizon issued after the consummation of the merger will reflect these values and will not be restated retroactively to reflect the historical position or results of operations
of Peoples. The operating results of Peoples will be reflected in Horizon&#146;s consolidated financial statements from and after the date the merger is completed. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The final allocation of the purchase price will be determined after the merger is completed and after completion of thorough analyses to
determine the fair values of Peoples&#146; tangible and identifiable intangible assets and liabilities as of the date the merger is completed. In addition, estimates of merger-related charges are subject to final decisions related to combining the
companies. Any change in the fair value of net assets of Peoples will change the amount of the purchase price allocable to goodwill. Additionally, changes to Peoples&#146; shareholders&#146; equity, including net income and changes in the market
value of Horizon&#146;s common stock through the date the merger is completed, also will change the amount of goodwill recorded. As a result, the final adjustments may be materially different from the unaudited pro forma adjustments used in
preparing the unaudited pro forma combined condensed financial information presented herein. The unaudited pro forma adjustments used in preparing the unaudited pro forma combined condensed financial information are described in greater detail in
the notes thereto. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The unaudited pro forma combined condensed balance sheet is based on the individual historical unaudited consolidated
balance sheets of each of Horizon and Peoples as of March&nbsp;31, 2015. In preparing the unaudited pro forma combined condensed income statement for the twelve months ended December&nbsp;31, 2014, the audited consolidated financial statements of
Peoples for the year ended September&nbsp;30, 2014 and the audited consolidated financial statements of Horizon for the twelve months ending December&nbsp;31, 2014 were used. In preparing the unaudited pro forma combined condensed income statement
for the three months ended March&nbsp;31, 2015, the unaudited consolidated financial statements of each of Horizon and Peoples for the three months ended March&nbsp;31, 2015 were used. The unaudited pro forma combined condensed financial information
is based on, and should be read together with, (i)&nbsp;the historical consolidated financial statements and related notes of Horizon contained in its Annual Report on Form 10-K for the year ended December&nbsp;31, 2014 and the historical financial
statements and related notes as of and for the three months ended March&nbsp;31, 2015 contained in its Quarterly Report on Form 10-Q for the quarter ended March&nbsp;31, 2015, which are incorporated by reference into this joint proxy
statement/prospectus, and (ii)&nbsp;the historical consolidated financial statements and related notes of Peoples contained in this joint proxy statement/prospectus beginning at page F-1 for the year ended September&nbsp;30, 2014 and as of and for
the three and six months ended March&nbsp;31, 2015. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">22 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>UNAUDITED PRO FORMA COMBINED CONDENSED </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>CONSOLIDATED BALANCE SHEET </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>As of March&nbsp;31, 2015 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>($ in thousands) </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="58%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Horizon</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Peoples</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Pro Forma<BR>Adjustments</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Footnote<BR>Reference</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Pro Forma<BR>Combined</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Assets</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cash and due from banks</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">38,676</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">32,283</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(27,430</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center">(c),(d),(n)</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">43,529</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Investment securities, available for sale</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">331,033</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">175,404</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">506,437</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Investment securities, held to maturity</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">164,282</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,039</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">174,321</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Loans held for sale</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,229</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">215</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,444</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Loans, net of allowance for loan losses</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,444,725</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">227,818</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1,301</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">(f),(g)</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,671,242</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Premises and equipment, net</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">53,989</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,043</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(500</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">(h)</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">58,532</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Federal Reserve and Federal Home Loan Bank stock</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11,348</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,507</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14,855</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Goodwill</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">28,176</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,330</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13,144</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">(a),(m)</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">43,650</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other intangible assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,738</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,291</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">(j)</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,029</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cash value life insurance</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">39,640</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13,803</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">53,443</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">32,129</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,481</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">518</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">(i),(k)</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">39,128</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total assets</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,153,965</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">476,923</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(13,278</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,617,610</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Liabilities</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total deposits</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,465,096</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">358,292</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,823,388</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Borrowings</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">440,415</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">51,683</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">492,098</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Subordinated debentures</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">32,680</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">32,680</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other liabilities</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16,283</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,714</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">802</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" ALIGN="center">(l)</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21,799</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total liabilities</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,954,474</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">414,689</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">802</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,369,965</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Shareholders&#146; Equity</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Preferred stock</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">12,500</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">12,500</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Common stock</P></TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,312</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(2,312</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" ALIGN="center">(a)</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Additional paid-in capital</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">46,064</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">50,844</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" ALIGN="center">(a)</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">96,908</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Retained earnings</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">138,500</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">57,321</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(60,011</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center">(a),(d),(n)</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">135,810</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Accumulated other comprehensive income (loss)</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,427</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,601</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(2,601</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" ALIGN="center">(a)</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,427</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total shareholders&#146; equity</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">199,491</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">62,234</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(14,080</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">247,645</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total liabilities and shareholder&#146;s equity</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,153,965</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">476,923</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(13,278</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,617,610</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">See accompanying notes to unaudited pro forma condensed combined financial statements. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">23 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>UNAUDITED PRO FORMA COMBINED CONDENSED </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>CONSOLIDATED INCOME STATEMENT </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>For the 12 months ended December&nbsp;31, 2014 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>($ in thousands, except for per share amounts) </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="61%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Horizon</B><br><B>(Year&nbsp;ended<BR>12/31/14)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Peoples</B><br><B>(Year&nbsp;ended<BR>9/30/14)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Pro Forma<BR>Adjustments</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Footnote<BR>Reference</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Pro&nbsp;Forma<BR>Combined</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Interest Income</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Loans receivable</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">62,435</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">10,761</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">73,196</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Investment securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13,770</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,717</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18,487</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total interest income</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">76,205</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">15,478</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">91,683</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Interest Expense</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Deposits</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">5,257</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,840</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">7,097</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Borrowed funds</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,956</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,179</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,135</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Subordinated debentures</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,009</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,009</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total interest expense</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">13,222</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,019</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">16,241</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Net Interest Income</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">62,983</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">12,459</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">75,442</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Provision for loan losses</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,058</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">385</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,443</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Net Interest Income After Provision for Loan Losses</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">59,925</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">12,074</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">71,999</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Non-Interest Income</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Service charges and fees</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">9,291</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,581</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">10,872</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Fiduciary activities</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,738</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">620</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,358</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Gain on sale of investment securities</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">988</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">710</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,698</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Gain on sale of mortgage loans</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,395</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">140</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,535</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Mortgage servicing income, net of impairment</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">805</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">41</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">846</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Increase in cash value of bank owned life insurance</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,047</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">445</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,492</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other income</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,013</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">114</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,127</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total non-interest income</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">26,277</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,651</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">29,928</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Non-Interest Expense</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Salaries and employee benefits</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">32,682</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">7,038</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">39,720</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net occupancy expenses</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,607</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">974</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,581</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Data processing</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,663</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,489</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,152</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">FDIC insurance expense</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,175</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">238</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,413</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other expense</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18,819</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,096</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">229</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" ALIGN="center">(o)</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21,144</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total non-interest expense</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">61,946</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">11,835</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">229</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">74,010</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Income Before Income Tax</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">24,256</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,890</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(229</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">27,917</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Income tax expense</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,155</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">486</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(80</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" ALIGN="center">(p)</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,561</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Net Income</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">18,101</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,404</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(149</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">21,356</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Preferred stock dividend</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(133</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(133</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Net Income Available to Common Shareholders</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">17,968</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,404</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(149</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">21,223</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Basic Earnings Per Share</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.98</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.47</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.89</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Diluted Earnings Per Share</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.90</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.47</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.82</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">See accompanying notes to unaudited pro forma condensed combined financial statements. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">24 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>UNAUDITED PRO FORMA COMBINED CONDENSED </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>CONSOLIDATED INCOME STATEMENT </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>For the 3 months ended March&nbsp;31, 2015 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>($ in thousands, except for per share amounts) </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="67%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Horizon</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Peoples</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Pro Forma<BR>Adjustments</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Footnote<BR>Reference</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Pro&nbsp;Forma<BR>Combined</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Interest Income</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Loans receivable</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">16,862</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,547</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">19,409</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Investment securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,231</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,162</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,393</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total interest income</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">20,093</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,709</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">23,802</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Interest Expense</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Deposits</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,232</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">437</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,669</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Borrowed funds</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,479</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">293</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,772</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Subordinated debentures</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">496</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">496</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total interest expense</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,207</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">730</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,937</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Net Interest Income</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">16,886</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,979</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">19,865</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Provision for loan losses</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">614</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">34</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">648</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Net Interest Income After Provision for Loan Losses</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">16,272</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,945</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">19,217</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Non-Interest Income</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Service charges and fees</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,252</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">387</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,639</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Fiduciary activities</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,297</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">180</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,477</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Gain on sale of investment securities</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">124</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">49</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">173</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Gain on sale of mortgage loans</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,379</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">29</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,408</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Mortgage servicing income, net of impairment</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">179</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">196</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Increase in cash value of bank owned life insurance</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">258</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">97</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">355</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Death benefit on bank owned life insurance</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">145</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">145</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other income</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">432</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">141</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">573</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total non-interest income</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">7,066</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">900</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">7,966</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Non-Interest Expense</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Salaries and employee benefits</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">8,504</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,750</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">10,254</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net occupancy expenses</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,551</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">256</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,807</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Data processing</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">923</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">337</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,260</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">FDIC insurance expense</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">337</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">61</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">398</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other expense</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,753</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">737</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">56</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" ALIGN="center">(o)</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,546</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total non-interest expense</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">16,068</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,141</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">56</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">19,265</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Income Before Income Tax</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">7,270</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">704</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(56</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">7,918</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Income tax expense</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,912</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">47</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(20</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" ALIGN="center">(p)</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,939</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Net Income</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">5,358</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">657</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(37</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">5,979</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Preferred stock dividend</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(31</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(31</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Net Income Available to Common Shareholders</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">5,327</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">657</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(37</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">5,947</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Basic Earnings Per Share</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.58</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.28</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.52</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Diluted Earnings Per Share</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.55</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.28</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.50</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">See accompanying notes to unaudited pro forma condensed combined financial statements. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">25 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_31"></A>Notes to Unaudited Pro Forma Combined Condensed Financial Statements </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="84%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="69%"></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">Footnote</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">(Dollars in thousands except share and per share data)</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">Reference</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Merger consideration:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Peoples shares outstanding</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,311,858</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Exchange ratio</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.95</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Shares of Horizon stock issued</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,196,265</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Horizon stock price<SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">23.15</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Merger consideration&#151;stock</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" ALIGN="center">(b)</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">50,844</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">50,844</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Peoples shares outstanding</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,311,858</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cash consideration per share</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">9.75</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Merger consideration&#151;cash</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" ALIGN="center">(c)</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">22,541</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">22,541</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total merger consideration</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">73,384</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total merger consideration</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">73,384</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Allocated to:</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Historical book value of Peoples&#146; assets and liabilities</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">62,234</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Peoples estimated transaction expenses</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" ALIGN="center">(d)</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(2,200</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Eliminate existing goodwill</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" ALIGN="center">(e)</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(2,330</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Adjusted book value of Peoples&#146; assets and liabilities</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">57,704</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Adjustments to record assets and liabilities at fair value:<SUP STYLE="font-size:85%; vertical-align:top">(2)</SUP></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Loans, fair value mark<SUP STYLE="font-size:85%; vertical-align:top">(3)</SUP></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" ALIGN="center">(f)</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(3,242</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Peoples allowance for loan losses write-off</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" ALIGN="center">(g)</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,941</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Premises and equipment, net</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" ALIGN="center">(h)</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(500</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other real estate owned</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" ALIGN="center">(i)</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(173</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Core deposit intangible</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" ALIGN="center">(j)</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,291</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Deferred tax assets</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" ALIGN="center">(k)</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">691</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Deferred tax liabilities</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" ALIGN="center">(l)</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(802</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total allocation</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">206</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Goodwill</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" ALIGN="center">(m)</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">15,474</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Horizon estimated transaction expenses</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" ALIGN="center">(n)</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(2,690</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(1)</TD>
<TD ALIGN="left" VALIGN="top">Based on Horizon&#146;s 15-day average closing price on April&nbsp;28, 2015. Due to changes in Horizon&#146;s stock price, the total merger consideration and resulting goodwill created will fluctuate until the
transaction is completed. </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(2)</TD>
<TD ALIGN="left" VALIGN="top">Adjustments to record assets and liabilities at fair value will be determined as of the transaction completion date based on a third party analysis. </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(3)</TD>
<TD ALIGN="left" VALIGN="top">Based on Horizon&#146;s review of Peoples&#146; loan portfolio in due diligence consisting of an estimated specific, general and interest rate fair value mark. The general credit mark as well as the interest rate mark
on all loans will mostly be accretable to income. </TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">26 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="tx915197_32"></A>ANNUAL MEETING OF HORIZON&#146;S SHAREHOLDERS </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_33"></A>General </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The
board of directors of Horizon is soliciting proxies to be voted at the Annual Meeting of Shareholders of Horizon to be held on &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;,
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, 2015, at 10:00 a.m. (local time), and at any adjournment or postponement of the meeting. The meeting will be held at the Clarion Inn, 5820 South Franklin Street, Michigan
City, Indiana. This document and the enclosed form of proxy are being sent to Horizon&#146;s shareholders on or about &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, 2015. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_34"></A>Purpose of the Meeting </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Annual Meeting will be held for the following purposes: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">To approve the Merger Agreement by and between Horizon and Peoples, pursuant to which Peoples will merge with and into Horizon, and the transactions contemplated by the Merger Agreement, including the issuance of shares
of Horizon common stock in the merger. Simultaneously with the merger, Peoples Bank, a federally chartered stock savings bank and wholly-owned subsidiary of Peoples, will merge with and into Horizon Bank, the wholly-owned national bank subsidiary of
Horizon; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">The election of three directors to serve three-year terms expiring in 2018; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">To vote on a non-binding, advisory proposal to approve the compensation of Horizon&#146;s executive officers described in this document; </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">The ratification of the appointment of BKD, LLP as independent auditors for 2015; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">To approve a proposal to adjourn the Annual Meeting, if necessary, to solicit additional proxies in the event there are not sufficient votes present at the Annual Meeting in person or by proxy to approve any of the
above items; and </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">To transact such other business as may properly come before the Annual Meeting or any adjournment of the Annual Meeting. </TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Horizon&#146;s board of directors and management is not aware of any other matters to be presented at the meeting other than those mentioned
above and has not received notice from any shareholders requesting that other matters be considered. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">A copy of the Merger Agreement is
attached as <U>Appendix A</U> to this joint proxy statement/prospectus. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_35"></A>Recommendation of Horizon&#146;s Board of Directors
</B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The board of directors of Horizon unanimously voted in favor of the Merger Agreement, the merger, and the transactions contemplated
thereby, including the issuance of Horizon common stock in the merger. Horizon&#146;s board of directors believes that these items and the transactions they contemplate are in the best interests of Horizon and its shareholders, and recommends that
Horizon&#146;s shareholders vote: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B>&#147;FOR&#148;</B> the approval of the Merger Agreement proposal; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B>&#147;FOR&#148;</B> the election of the director nominees named in this document; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B>&#147;FOR&#148;</B> the advisory vote to approve the compensation of Horizon&#146;s executive officers named in this document; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B>&#147;FOR&#148;</B> the ratification of the appointment of BKD, LLP; and </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B>&#147;FOR&#148;</B> any proposal of the Horizon board of directors to adjourn the meeting, if necessary. </TD></TR></TABLE>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_36"></A>Record Date and Voting </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Shareholders of record of Horizon common shares as of the close of business on
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, 2015, the record date, may vote at the Annual Meeting. On the record date, &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Horizon common shares were
issued and outstanding held by approximately &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;holders of record, and, in addition, 12,500 shares of Series B Senior Non-Cumulative Perpetual Preferred Stock were outstanding.
Each common share is entitled to one vote on each matter to be voted on at the Annual Meeting and at any adjournment or postponement of the meeting. The holders of the preferred stock have no voting rights at the Annual Meeting. A majority of the
outstanding common shares, present or represented by proxy, constitutes a quorum for the Annual Meeting. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">There are three ways to vote by
proxy prior to the Annual Meeting: </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">27 </P>


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


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="23%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="75%"></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:4.00em; text-indent:-2.00em; font-size:10pt; font-family:Times New Roman">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;By Telephone:</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Shareholders located in the United States can vote by telephone by calling 1-800-652-VOTE (8683) and following the instructions in the notice;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:4.00em; text-indent:-2.00em; font-size:10pt; font-family:Times New Roman">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;By Internet:</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">You can vote over the Internet at www.investorvote.com/hbnc by following the instructions in the notice; or</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:4.00em; text-indent:-2.00em; font-size:10pt; font-family:Times New Roman">&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;By Mail:</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">You can vote by signing, dating, and mailing the proxy card sent to you by mail.</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">We encourage you to vote over the Internet, by telephone, or by mailing the proxy card even if you plan to
attend the meeting. If you are a shareholder of record as of &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, 2015, you may vote your shares in person at the meeting. If your shares are held by a broker or other nominee, you
must obtain a proxy from the broker or nominee giving you the right to vote the shares at the meeting. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">All proxies properly submitted in
time to be counted at the Annual Meeting will be voted in accordance with the instructions contained in the proxy. If you submit a proxy without voting instructions, the proxies named in the proxy will vote on your behalf for each matter described
above in accordance with the recommendations of the Horizon board of directors on all the proposals as set forth in this joint proxy statement/prospectus and on any other matters in accordance with their best judgment. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If you have shares held by a broker or other nominee, you may instruct the broker or other nominee to vote your shares by following the
instructions the broker or other nominee provides to you. Proxies solicited by this joint proxy statement/prospectus may be exercised only at the Annual Meeting and any adjournment or postponement thereof and will not be used for any other meeting.
</P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_37"></A>Vote Required </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The following votes will be required to approve the proposals: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">The approval of the proposal to approve the Merger Agreement and the transactions contemplated by the Merger Agreement, including the issuance of shares of Horizon common stock in the merger, requires the affirmative
vote of a majority of the issued and outstanding shares of Horizon&#146;s common stock (Proposal 1). </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Directors will be elected by a plurality of the votes cast (Proposal 2). </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">The advisory vote to approve executive compensation (Proposal 3), the ratification of the independent auditors (Proposal 4), and the proposal to adjourn the Annual Meeting, if necessary, to solicit additional proxies
(Proposal 5) each requires for approval that more votes be cast in favor of the proposal than against the proposal. </TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B></B>Abstentions and &#147;broker non-votes&#148; (described below) are counted for purposes of determining the presence or absence of a
quorum but are not considered votes cast. <B>The required vote of Horizon&#146;s shareholders on the Merger Agreement is based on the number of outstanding shares of Horizon&#146;s common stock and not the number of shares that are actually voted.
Accordingly, the failure to submit a proxy card or to vote in person at the Annual Meeting, or the abstention from voting by a Horizon shareholder, or the failure of any Horizon shareholder who holds shares in &#147;street name&#148; through a bank
or broker to give voting instructions to such bank or broker (thereby resulting in a &#147;broker non-vote&#148;), will have the same effect as a vote &#147;AGAINST&#148; the Merger Agreement proposal. </B>Broker non-votes will not affect the vote
on Proposal 2 (Election of Directors) since broker non-votes are not considered to be &#147;votes cast.&#148; Similarly, instructions to withhold authority will result in a nominee for director in Proposal 2 (Election of Directors) receiving fewer
votes but will not count as votes &#147;against&#148; the nominee. Neither abstentions nor broker non-votes will affect whether more votes have been cast for than against Proposal 3 (Advisory Vote to Approve Executive Compensation), Proposal 4
(Ratification of Independent Auditors), or Proposal 5 (Adjournment).<B> </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B></B>A &#147;broker non-vote&#148; occurs when a broker
submits a proxy that does not indicate a vote on a proposal because the broker has not received instructions from the beneficial owners on how to vote on such proposal and the broker does not have discretionary authority to vote in the absence of
instructions. Brokers generally have the authority to vote, even though they have not received instructions, on matters that are considered &#147;routine,&#148; such as the ratification of auditors. However, under the rules of the New York Stock
Exchange, Proposal 1 (Merger Agreement Proposal), Proposal 2 (Election of Directors), Proposal 3 (Advisory Vote to Approve Executive Compensation), and Proposal 5 (Adjournment) are not considered routine matters and brokers are not entitled to vote
shares held for a beneficial owner on these matters without instructions from the beneficial owner of the shares. <B>To avoid a broker non-vote of your shares on the Merger Agreement, election of
</B></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">28 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>
directors, the advisory vote on executive compensation, and adjournment, each of which is a non-routine matter, you must provide voting instructions to your broker or other nominee. </B></P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">As of the record date: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Horizon&#146;s directors and executive officers and their affiliates owned and were entitled to vote &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;shares of Horizon common stock, representing
approximately &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;% of the outstanding shares of Horizon common stock; and </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Peoples&#146; directors and executive officers and their affiliates owned and were entitled to vote less than 1% of the outstanding shares of Horizon common stock. Peoples owns no shares of Horizon common stock.
</TD></TR></TABLE> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_38"></A>Revocability of Proxies </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">You may revoke your proxy and change your vote at any time prior to the vote at the Annual Meeting. If you are the shareholder of record, you
may revoke your proxy and change your vote by granting a new proxy bearing a later date (which automatically revokes the earlier proxy), by providing a written notice of revocation to Horizon&#146;s Secretary (James D. Neff, 515 Franklin Square,
Michigan City, Indiana 46360), or by voting in person at the Annual Meeting. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_39"></A>Solicitation of Proxies </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The proxy solicitation of Horizon&#146;s shareholders is being made by Horizon on behalf of the Horizon board of directors and will be paid for
by Horizon. In addition to solicitation by mail, directors, officers, and employees of Horizon may solicit proxies for the Annual Meeting from Horizon&#146;s shareholders personally or by telephone, the Internet, or other electronic means. However,
Horizon&#146;s directors, officers, and employees will not be paid any special or extra compensation for soliciting such proxies, although they may be reimbursed for out-of-pocket expenses incurred in connection with the solicitation. Upon request,
Horizon will reimburse brokers, dealers, banks, trustees, and other fiduciaries for the reasonable expenses they incur in forwarding proxy materials to beneficial owners of Horizon&#146;s common stock. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In addition, Horizon has made arrangements with Regan&nbsp;&amp; Associates, Inc. to assist in soliciting proxies for the Annual Meeting and
has agreed to pay them $19,500, including out-of-pocket expenses, for these services. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">THE MATTERS TO BE CONSIDERED AT THE ANNUAL MEETING
ARE OF GREAT IMPORTANCE TO THE SHAREHOLDERS OF HORIZON. ACCORDINGLY, HOLDERS OF HORIZON COMMON STOCK ARE URGED TO READ AND CAREFULLY CONSIDER THE INFORMATION PRESENTED IN THIS JOINT PROXY STATEMENT/PROSPECTUS, AND TO COMPLETE, DATE, SIGN, AND
PROMPTLY RETURN THE ENCLOSED PROXY CARD IN THE ENCLOSED POSTAGE PRE-PAID ENVELOPE. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_40"></A>Assistance </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If you need assistance in completing your proxy card or have questions regarding the Annual Meeting, please contact Horizon Bancorp, 515
Franklin Square, Michigan City, Indiana 46360, Attention: Dona Lucker, Investor Relations Officer, (219)&nbsp;874-9272. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_41"></A>Security Ownership of Certain Beneficial Holders and Management </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:2%; font-size:10pt; font-family:Times New Roman"><B><I>Security Ownership of Management </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The following table sets forth the number and percent of shares of Horizon common stock beneficially owned by the directors of Horizon, the
executive officers named in the Summary Compensation Table for Horizon appearing elsewhere in this document, and all Horizon&#146;s directors and executive officers as a group as of April&nbsp;28, 2015. On that date, 9,232,163 shares of Horizon
common stock were issued and outstanding. Unless otherwise noted below, the address of each beneficial owner listed in the table is c/o Horizon Bancorp, 515 Franklin Square, Michigan City, Indiana 46360. </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="76%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="63%"></TD>
<TD VALIGN="bottom" WIDTH="15%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="15%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE="border-bottom:1.00pt solid #000000; width:20.00pt; font-size:8pt; font-family:Times New Roman"><B>Name</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Shares&nbsp;Beneficially&nbsp;Owned<SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP></B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Percentage</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Directors</B>:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Susan D. Aaron</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">23,544<SUP STYLE="font-size:85%; vertical-align:top"></SUP></TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">(2)</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">*</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Lawrence E. Burnell</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,727<SUP STYLE="font-size:85%; vertical-align:top"></SUP></TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">(3)</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">*</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Craig M. Dwight</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">214,659<SUP STYLE="font-size:85%; vertical-align:top"></SUP></TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">(4)</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.3</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">James B. Dworkin</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,143<SUP STYLE="font-size:85%; vertical-align:top"></SUP></TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">(5)</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">*</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Charley E. Gillispie</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15,220<SUP STYLE="font-size:85%; vertical-align:top"></SUP></TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">(6)</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">*</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Daniel F. Hopp</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">31,074<SUP STYLE="font-size:85%; vertical-align:top"></SUP></TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">(7)</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">*</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Larry N. Middleton</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">29,200<SUP STYLE="font-size:85%; vertical-align:top"></SUP></TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">(8)</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">*</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">29 </P>


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


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="76%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="62%"></TD>
<TD VALIGN="bottom" WIDTH="16%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="16%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>

<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE="border-bottom:1.00pt solid #000000; width:20.00pt; font-size:8pt; font-family:Times New Roman"><B>Name</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Shares&nbsp;Beneficially&nbsp;Owned<SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP></B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Percentage</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Peter L. Pairitz</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">85,750<SUP STYLE="font-size:85%; vertical-align:top"></SUP></TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">(9)</SUP>*&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Steven W. Reed</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,615<SUP STYLE="font-size:85%; vertical-align:top"></SUP></TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">(10)</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Robert E. Swinehart</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">28,392<SUP STYLE="font-size:85%; vertical-align:top"></SUP></TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">(11)</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">*</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Spero W. Valavanis</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">25,567<SUP STYLE="font-size:85%; vertical-align:top"></SUP></TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">(12)</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">*</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Named Executive Officers</B>:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Thomas H. Edwards</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">83,869<SUP STYLE="font-size:85%; vertical-align:top"></SUP></TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">(13)</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">*</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">James D. Neff</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">137,600<SUP STYLE="font-size:85%; vertical-align:top"></SUP></TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">(14)</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.5</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">David G. Rose</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">118,709<SUP STYLE="font-size:85%; vertical-align:top"></SUP></TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">(15)</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.3</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Mark E. Secor</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">34,554<SUP STYLE="font-size:85%; vertical-align:top"></SUP></TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">(16)</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">*</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">All Directors and Executive Officers as a Group (16 Persons):</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">892,692<SUP STYLE="font-size:85%; vertical-align:top"></SUP></TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">(17)</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.7</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">*</TD>
<TD ALIGN="left" VALIGN="top">Beneficial ownership is less than one percent. </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">The information shown regarding shares beneficially owned is based upon information furnished to Horizon by the individuals listed. The nature of beneficial ownership, unless otherwise noted, represents sole voting or
investment power. Stock options that vested on or before June&nbsp;27, 2015, are included in the number of shares beneficially owned. </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(2)</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">All of the shares are owned directly by Ms.&nbsp;Aaron. </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(3)</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Consists of 4,075 shares owned directly by Mr.&nbsp;Burnell and 8,652 shares held by a trust for which Mr.&nbsp;Burnell is the grantor and serves as trustee. </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(4)</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Consists of 23,240 vested stock options, 13,506 shares owned directly by Mr.&nbsp;Dwight, 99,262 shares owned jointly by Mr.&nbsp;Dwight and his spouse, 59,061 shares held by the ESOP, 15,753 shares held by the Thrift
Plan, and 3,837 shares of restricted stock granted under the 2003 Omnibus Plan. </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(5)</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Consists of 1,319 shares owned directly by Mr.&nbsp;Dworkin and 10,824 shares owned jointly by Mr.&nbsp;Dworkin and his spouse. </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(6)</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Consists of 400 shares owned directly by Mr.&nbsp;Gillispie and 14,820 shares owned jointly by Mr.&nbsp;Gillispie and his spouse. </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(7)</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">All shares are owned jointly by Mr.&nbsp;Hopp and his spouse. </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(8)</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Consists of 2,645 shares owned directly by Mr.&nbsp;Middleton, 24,635 shares owned jointly by Mr.&nbsp;Middleton and his spouse and 1,920 shares owned by his spouse. </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(9)</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">All of the shares are owned directly by Mr.&nbsp;Pairitz. </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(10)</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">All of the shares are owned directly by Mr.&nbsp;Reed. </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(11)</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Consists of 7,515 shares owned directly by Mr.&nbsp;Swinehart, and 20,877 shares owned jointly by Mr.&nbsp;Swinehart and his spouse. </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(12)</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">All of the shares are owned directly by Mr.&nbsp;Valavanis. </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(13)</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Consists of 27,717 shares owned directly by Mr.&nbsp;Edwards, 2,250 shares owned by Mr.&nbsp;Edwards&#146; spouse, 19,849 shares held in the 2005 SERP, 10,083 shares held by the ESOP, 12,768 shares held by the Thrift
Plan, 5,553 vested stock options and 5,649 shares of restricted stock granted under the 2003 Omnibus Plan. </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(14)</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Consists of 91,170 shares owned directly by Mr.&nbsp;Neff, 16,047 shares held in the 2005 SERP, 8,179 shares held by the ESOP, 11,555 shares held by the Thrift Plan, 5,279 vested stock options and 5,370 shares of
restricted stock granted under the 2003 Omnibus Plan. </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(15)</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Consists of 11,326 vested stock options, 23,893 shares held by the SERP, 76,499 shares held by the ESOP, 4,626 shares held by the Thrift Plan, and 2,365 shares of restricted stock granted under the 2003 Omnibus Plan.
</TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(16)</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Consists of 15,755 vested stock options, 2,785 shares held by the ESOP, 4,784 shares held by the Thrift Plan, 6,648 shares held in the 2005 SERP and 4,582 shares of restricted stock granted under the 2003 Omnibus Plan.
</TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(17)</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Includes 65,289 shares covered by stock options and 214,314 shares as to which voting and investment powers are shared by members of the group with their spouses or other family members or held by family trusts.
</TD></TR></TABLE> <P STYLE="margin-top:18pt; margin-bottom:0pt; margin-left:2%; font-size:10pt; font-family:Times New Roman"><B><I>Security Ownership of Certain Beneficial Owners </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The following table sets forth the number of shares of Horizon common stock beneficially owned by each person known to Horizon to own
beneficially more than five percent of the issued and outstanding shares of Horizon common stock. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">30 </P>


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


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="76%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="62%"></TD>
<TD VALIGN="bottom" WIDTH="15%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="15%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE="border-bottom:1.00pt solid #000000; width:134.80pt; font-size:8pt; font-family:Times New Roman"><B>Name and Address of Beneficial Owner</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Shares&nbsp;Beneficially&nbsp;Owned</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Percentage<SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP></B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Manulife Financial Corporation<SUP STYLE="font-size:85%; vertical-align:top">(2)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">504,010</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5.5</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">For Manulife Financial Corporation and Manulife Asset Management (North America) Limited:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">200 Bloor Street East</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Toronto, Ontario</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Canada, M4W 1E5</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">For Manulife Asset Management (US) LLC:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">197 Clarendon Street</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Boston, Massachusetts 02116</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">PL Capital, LLC<SUP STYLE="font-size:85%; vertical-align:top">(3)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">557,176</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6.0</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">47 E. Chicago Ave., Suite 336</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Naperville, Illinois 60540</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP></TD>
<TD ALIGN="left" VALIGN="top"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>Based on 9,232,163 Common Shares that were outstanding at April&nbsp;28, 2015. </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(2)</SUP></TD>
<TD ALIGN="left" VALIGN="top"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>As reported in Amendment No.&nbsp;3 to a joint Schedule 13G filed on February&nbsp;12, 2015, with respect to beneficial ownership as of December&nbsp;31, 2014, of
Manulife Financial Corporation, Manulife Asset Management (North America) Limited and Manulife Asset Management (US) LLC. Total shares beneficially owned included 480,338 shares issuable upon the exercise of warrants. </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(3)</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">As reported in Amendment No.&nbsp;3 to a joint Schedule 13G filed on January&nbsp;9, 2015, with respect to beneficial ownership as of December&nbsp;31, 2014, of Financial Edge Fund, L.P., Financial Edge-Strategic Fund,
L.P., PL Capital/Focused Fund, L.P., PL Capital, LLC, PL Capital Advisors, LLC, Goodbody/PL Capital, L.P., Goodbody/PL Capital, LLC, John W. Palmer and Richard J. Lashley. </TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">31 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="tx915197_42"></A>SPECIAL MEETING OF PEOPLES&#146; SHAREHOLDERS </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_43"></A>General </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This
document is being furnished to Peoples shareholders in connection with the solicitation of proxies by the board of directors of Peoples for use at the Special Meeting of Peoples&#146; Shareholders to be held on
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, 2015 at &nbsp;&nbsp;&nbsp;&nbsp;:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;p.m., local time, at the La Quinta Inn and Suites, located at 306
Touring Drive, Auburn, Indiana 46706, and at any adjournment or postponement of that meeting. This document and the enclosed form of proxy are being sent to Peoples&#146; shareholders on or about
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, 2015. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_44"></A>Purpose of the Meeting </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Special Meeting is being held for the following purposes: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">To consider and approve the Merger Agreement by and between Horizon and Peoples, pursuant to which Peoples will merge with and into Horizon. Simultaneously with the merger, Peoples Bank, a federally chartered stock
savings bank and wholly-owned subsidiary of Peoples, will merge with and into Horizon Bank, the wholly-owned national bank subsidiary of Horizon; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">To approve a proposal to adjourn the Special Meeting, if necessary, to solicit additional proxies in the event there are not sufficient votes present at the Special Meeting in person or by proxy to approve the merger;
and </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">To transact such other business as may properly come before the Special Meeting or any adjournment of the Special Meeting. </TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Peoples&#146; board of directors and management is not aware of any other matters to be presented at the meeting other than those mentioned
above and has not received notice from any shareholders requesting that other matters be considered. However, if any other business is properly presented before the Special Meeting and may properly be voted upon, the proxies solicited hereby will be
voted on such matters in accordance with the best judgment of the proxy holders named therein. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">A copy of the Merger Agreement is attached
as <U>Appendix A</U> to this joint proxy statement/prospectus. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_45"></A>Recommendation of Peoples&#146; Board of Directors </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The board of directors of Peoples unanimously voted in favor of the Merger Agreement and the merger. Peoples&#146; board of directors believes
that the Merger Agreement, the merger, and the transactions contemplated thereby are in the best interests of Peoples and its shareholders, and recommends that Peoples&#146; shareholders vote: </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B>&#147;FOR&#148;</B> the approval and adoption of the Merger Agreement and the merger; and </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B>&#147;FOR&#148;</B> any proposal of the Peoples board of directors to adjourn the meeting, if necessary. </TD></TR></TABLE>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_46"></A>Record Date and Voting </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The close of business on &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, 2015 has been selected as the record date
for the determination of Peoples&#146; shareholders entitled to notice of and to vote at the Special Meeting. On that date, 2,311,858 shares of Peoples&#146; common stock, par value $1.00 per share were outstanding. Shareholders will be entitled to
one vote for each share of Peoples&#146; common stock held by them of record at the close of business on the record date on any matter that may be presented for consideration and action by the shareholders. The presence, in person or represented by
proxy, of the holders of a majority of the outstanding shares of Peoples&#146; common stock will constitute a quorum for the transaction of business at the Special Meeting. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">You may vote your shares in person by attending the Special Meeting, or by mailing us your completed proxy if you are unable or do not wish to
attend. You also can vote by telephone by calling 1-800-652-VOTE (8683)&nbsp;within the United States, U.S. territories, and Canada and following the instructions provided by the recorded message. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">We encourage you to vote by telephone or by mailing the proxy card even if you plan to attend the meeting. If you are a shareholder of record
as of &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, 2015, you may vote your shares in person at the meeting. If your shares are held by a broker or other nominee, you must obtain a proxy from the broker or nominee giving
you the right to vote the shares at the meeting. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">All proxies properly submitted in time to be counted at the Special Meeting will be
voted in accordance with the instructions contained in the proxy. If you submit a proxy without voting instructions, the proxies named in the proxy will vote on your behalf for each matter described above in accordance with the recommendations of
the Peoples board of </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">32 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
directors on all the proposals as set forth in this joint proxy statement/prospectus and on any other matters in accordance with their best judgment. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If you have shares held by a broker or other nominee, you may instruct the broker or other nominee to vote your shares by following the
instructions the broker or other nominee provides to you. Proxies solicited by this joint proxy statement/prospectus may be exercised only at the Special Meeting and any adjournment or postponement thereof and will not be used for any other meeting.
</P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_47"></A>Vote Required </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The following votes will be required to approve the proposals: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">The approval of the Merger Agreement (Proposal 1) requires the affirmative vote of the holders of a majority of the outstanding shares of Peoples common stock entitled to vote at the Special Meeting. </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">The proposal to adjourn the Special Meeting, if necessary, to solicit additional proxies (Proposal 2) requires for approval that more votes be cast in favor of the proposal than against the proposal. </TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B></B>Abstentions and &#147;broker non-votes&#148; (described below) are counted for purposes of determining the presence or absence of a
quorum but are not considered votes cast. <B>The required vote of Peoples shareholders on the Merger Agreement is based on the number of outstanding shares of Peoples common stock and not the number of shares that are actually voted. Accordingly,
the failure to submit a proxy card or to vote in person at the Special Meeting, or the abstention from voting by a Peoples shareholder, or the failure of any Peoples shareholder who holds shares in &#147;street name&#148; through a bank or broker to
give voting instructions to such bank or broker (thereby resulting in a &#147;broker non-vote&#148;), will have the same effect as a vote &#147;AGAINST&#148; the Merger Agreement. </B>Abstentions and broker non-votes will not be included in the vote
count on the proposal to adjourn the Special Meeting and will have no effect on the outcome of that proposal.<B> </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B></B>A
&#147;broker non-vote&#148; occurs when a broker submits a proxy that does not indicate a vote on a proposal because the broker has not received instructions from the beneficial owners on how to vote on such proposal and the broker does not have
discretionary authority to vote in the absence of instructions. Brokers generally have the authority to vote, even though they have not received instructions, on matters that are considered &#147;routine.&#148; However, under the rules of the New
York Stock Exchange, the Merger Agreement proposal and the adjournment proposal to be considered at the Special Meeting are not considered routine matters and brokers are not entitled to vote shares held for a beneficial owner on these matters
without instructions from the beneficial owner of the shares. <B>To avoid a broker non-vote of your shares on the Merger Agreement and adjournment, each of which is a non-routine matter, you must provide voting instructions to your broker or other
nominee. </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">As of the record date: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Peoples&#146; directors and executive officers and their affiliates owned and were entitled to vote 87,187 shares of Peoples common stock, representing approximately 3.77% of the outstanding shares of Peoples common
stock; and </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Horizon&#146;s directors and executive officers and their affiliates owned and were entitled to vote less than 1% of the outstanding shares of Peoples common stock. Horizon owns no shares of Peoples common stock.
</TD></TR></TABLE> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_48"></A>Revocability of Proxies </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Submitting a proxy on the enclosed form of proxy does not preclude a Peoples shareholder from voting in person at the Special Meeting. A
Peoples shareholder may revoke a proxy at any time prior to the vote at the Special Meeting by: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">delivering to Jeffrey H. Gatton, Peoples&#146; Chief Operating Officer and Corporate Secretary, at Peoples&#146; corporate office at 212 West 7<SUP STYLE="font-size:85%; vertical-align:top">th</SUP> Street, P. O. Box
231, Auburn, Indiana 46706, on or before the date of the Special Meeting, a later-dated and signed proxy card or a written revocation of the proxy; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">delivering to Peoples at the Special Meeting prior to the taking of the vote a later-dated and signed proxy card or a written revocation; </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">attending the Special Meeting and voting in person; or </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">if you have instructed a broker to vote your shares, following the directions received from your broker to change those instructions. </TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">33 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Revoking a proxy will not affect a vote once it has been taken. Attendance at the Special Meeting
will not, in itself, constitute a revocation of a proxy. You must vote in person at the Special Meeting if you wish to change a vote that you have previously made by submitting a signed proxy. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_49"></A>Solicitation of Proxies </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The proxy solicitation of Peoples&#146; shareholders is being made by Peoples on behalf of the Peoples board of directors and will be paid for
by Peoples. In addition to solicitation by mail, directors, officers, and employees of Peoples may solicit proxies for the Special Meeting from Peoples&#146; shareholders personally or by telephone, the Internet, or other electronic means. However,
Peoples&#146; directors, officers, and employees will not be paid any special or extra compensation for soliciting such proxies, although they may be reimbursed for out-of-pocket expenses incurred in connection with the solicitation. Upon request,
Peoples will reimburse brokers, dealers, banks, trustees, and other fiduciaries for the reasonable expenses they incur in forwarding proxy materials to beneficial owners of Peoples&#146; common stock. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In addition, Peoples has made arrangements with Regan&nbsp;&amp; Associates, Inc. to assist in soliciting proxies for the Special Meeting and
has agreed to pay them $8,500, including out-of-pocket expenses, for these services. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">THE MATTERS TO BE CONSIDERED AT THE SPECIAL MEETING
ARE OF GREAT IMPORTANCE TO THE SHAREHOLDERS OF PEOPLES. ACCORDINGLY, HOLDERS OF PEOPLES COMMON STOCK ARE URGED TO READ AND CAREFULLY CONSIDER THE INFORMATION PRESENTED IN THIS JOINT PROXY STATEMENT/PROSPECTUS, AND TO COMPLETE, DATE, SIGN, AND
PROMPTLY RETURN THE ENCLOSED PROXY CARD IN THE ENCLOSED POSTAGE PRE-PAID ENVELOPE. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_50"></A>Assistance </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If you need assistance in completing your proxy card or have questions regarding the Special Meeting, please contact Peoples Bancorp, 212 W. 7<SUP
STYLE="font-size:85%; vertical-align:top">th</SUP> Street, Auburn, Indiana 46706, Attention: Jeffrey H. Gatton, (260)&nbsp;
925-2500. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_51"></A>Security Ownership of Certain Beneficial Holders and Management </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The following table sets forth as of May&nbsp;11, 2015 information regarding the beneficial share ownership of Peoples&#146; common stock by:
(i)&nbsp;each of the directors of Peoples; (ii)&nbsp;each executive officer of Peoples; (iii)&nbsp;the directors and executive officers of Peoples as a group; and (iv)&nbsp;the only 5% or greater shareholder known to Peoples. Information with
respect to Peoples&#146; directors, executive officers, and the sole 5% shareholder is based on Peoples&#146; records and data supplied by each of the directors, executive officers, and 5% shareholder. Unless otherwise noted below, the address of
each beneficial owner listed in the table is c/o Peoples Bancorp, 212 W. 7<SUP STYLE="font-size:85%; vertical-align:top">th</SUP> Street, Auburn, Indiana 46706. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="84%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="59%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD WIDTH="18%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE="border-bottom:1.00pt solid #000000; width:20.00pt; font-size:8pt; font-family:Times New Roman"><B>Name</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Position</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Shares&nbsp;of&nbsp;Common&nbsp;Stock<BR>Beneficially Owned</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Percent&nbsp;of<BR>Class<SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP></B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>DIRECTORS:</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Maurice F. Winkler, III</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Director&nbsp;and President and Chief Executive Officer of Peoples</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">26,368<SUP STYLE="font-size:85%; vertical-align:top"></SUP></TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">(2)</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.14</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Bruce S. Holwerda</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Director</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,964<SUP STYLE="font-size:85%; vertical-align:top"></SUP></TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">(3)</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">*</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Stephen R. Olson</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Director</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11,553<SUP STYLE="font-size:85%; vertical-align:top"></SUP></TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">(4)</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">*</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">G. Richard Gatton</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Chairman of the Board</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">27,137<SUP STYLE="font-size:85%; vertical-align:top"></SUP></TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">(5)</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.17</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Douglas D. Marsh</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Director</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,500<SUP STYLE="font-size:85%; vertical-align:top"></SUP></TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">(6)</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">*</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>EXECUTIVE OFFICERS WHO ARE NOT DIRECTORS:</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Steven H. Caryer</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Sr. Vice President and Chief Financial Officer</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">-0-</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#150;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Jeffrey H. Gatton</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Sr. Vice President and Chief Operating Officer</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,665<SUP STYLE="font-size:85%; vertical-align:top"></SUP></TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">(7)</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">*</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">All executive officers and directors of Peoples as a group (7 persons)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">87,187</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.77</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>GREATER THAN 5% SHAREHOLDER:</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Roger J. Wertenberger</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">1114 Cabriolet Blvd.</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Auburn, Indiana 46706</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">158,379<SUP STYLE="font-size:85%; vertical-align:top"></SUP></TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">(8)</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6.85</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:10%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">*</TD>
<TD ALIGN="left" VALIGN="top">Indicates less than 1% of the total number of outstanding shares of Peoples&#146; common stock. </TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">34 </P>


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


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(1)</TD>
<TD ALIGN="left" VALIGN="top">Computed based upon a total of 2,311,858 issued and outstanding shares of Peoples common stock as of May&nbsp;11, 2015. </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(2)</TD>
<TD ALIGN="left" VALIGN="top">Of the shares owned by Mr.&nbsp;Winkler, 9,178 shares are held in the Peoples 401(k) Plan. </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(3)</TD>
<TD ALIGN="left" VALIGN="top">All of the shares owned by Mr.&nbsp;Holwerda are owned directly with sole voting and investment power. </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(4)</TD>
<TD ALIGN="left" VALIGN="top">Includes 7,246 shares in Mr.&nbsp;Olson&#146;s individual retirement account and 655 shares held in his spouse&#146;s individual retirement account. </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(5)</TD>
<TD ALIGN="left" VALIGN="top">Includes 9,400 shares of common stock for which Mr.&nbsp;Gatton shares voting or dispositive power with his spouse. </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(6)</TD>
<TD ALIGN="left" VALIGN="top">Of the shares owned by Mr.&nbsp;Marsh, 11,500 shares are held in the Judith A. Marsh Credit Shelter Trust with Mr.&nbsp;Marsh as beneficiary and co-trustee. The trustees of that Trust, Mr.&nbsp;Marsh and his brother,
have sole voting and investment power with respect to those shares. </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(7)</TD>
<TD ALIGN="left" VALIGN="top">All of these shares are held in the Peoples 401(k) Plan. </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(8)</TD>
<TD ALIGN="left" VALIGN="top">Of the shares owned by Mr.&nbsp;Wertenberger, 29,721 are held in Mr.&nbsp;Wertenberger&#146;s individual retirement account. </TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">35 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="tx915197_52"></A>THE MERGER </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I>This section of the joint proxy statement/prospectus describes material aspects of the proposed merger. While Horizon and Peoples believe
that the description covers the material terms of the merger, this summary may not contain all of the information that is important to you. You should read this entire joint proxy statement/prospectus and the other documents that we refer to
carefully for more detailed information regarding the merger. </I></P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_53"></A>General </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Horizon&#146;s and Peoples&#146; boards of directors have approved and adopted the Merger Agreement, the merger, and the transactions
contemplated thereby. The Merger Agreement provides for the merger of Peoples with and into Horizon, with Horizon as the surviving corporation. Simultaneously with this merger, Peoples Bank, the wholly-owned federally chartered stock savings bank
subsidiary of Peoples, will merge with and into Horizon Bank, the wholly-owned national bank subsidiary of Horizon. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In connection with
the merger, each Peoples shareholder who holds at least 100 shares of Peoples common stock will receive fixed consideration of (i)&nbsp;0.95 shares of Horizon common stock for each share of Peoples common stock, and (ii)&nbsp;$9.75 in
cash.&nbsp;Peoples shareholders holding fewer than 100 shares will receive fixed consideration of $33.14 per share in cash and will not receive any shares of Horizon common stock.&nbsp;The cash consideration is subject to certain adjustments as
described in the Merger Agreement. All of the members of the board of directors of Peoples and Peoples Bank have entered into a voting agreement pursuant to which they have agreed to vote their shares of Peoples common stock in favor of the approval
and adoption of the Merger Agreement and the merger.</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Under the Merger Agreement, the executive officers and directors of Horizon and
Horizon Bank serving at the effective time of the merger will continue to serve as such after the merger is consummated. In addition, upon the consummation of the merger, Maurice F. Winkler, III, Peoples&#146; Chief Executive Officer and President,
will be appointed to the boards of directors of Horizon and Horizon Bank, effective as of the closing. With respect to Mr.&nbsp;Winkler&#146;s service on the Horizon board of directors, his term will expire at the 2018 annual meeting of
Horizon&#146;s shareholders. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I></I>Please see &#147;<I>The Merger Agreement</I>&#148; beginning on page &nbsp;&nbsp;&nbsp;&nbsp;for
additional and more detailed information regarding the legal documents that govern the merger, including information about the conditions to the merger and the provisions for terminating and amending the Merger Agreement.<I> </I></P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_54"></A>Background of the Merger </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">As part of its ongoing consideration and evaluation of Peoples&#146; long-term prospects and strategies, the board of directors of Peoples has
periodically discussed and reviewed strategic opportunities to maximize value for its shareholders. These opportunities have included, among other alternatives, continuing as an independent institution, growing internally and through branch
acquisitions, or affiliating or merging with another institution. On at least an annual basis, Peoples&#146; board of directors has invited to its meetings representatives of various investment banks to provide the board with market updates, which
have generally included banking industry overviews and mergers and acquisitions outlooks. These meetings were most recently held with Keefe, Bruyette&nbsp;&amp; Woods, Inc. (&#147;KBW&#148;) on April&nbsp;15, 2014, and on June&nbsp;6, 2014. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In the fall of 2014, the board of directors began to reconsider whether Peoples&#146; shareholders, customers, and employees were best served
by Peoples remaining as an independent financial institution. Due substantially to the prolonged regional and national economic downturn beginning in 2008, the operating environment for Peoples had become increasingly difficult, leading to larger
than normal loan loss provisions, decreased loan originations, diminished growth opportunities, shrinking net interest margins, and stagnant financial performance. This was true despite Peoples&#146; ability to achieve fairly consistent net income
throughout this period, while many other banks incurred operating losses. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Peoples faced the challenges of generating enhanced earnings
through organic growth in a difficult economic environment and acceptable returns on equity as capital increased and there were limited growth opportunities for the bank. Therefore, management and the board of directors of Peoples continued to focus
on strategic options, including a possible merger of Peoples with another financial institution. They concluded that scale might be needed to absorb additional operating and regulatory costs in a stagnant, slow growth economy. Moreover, a merger
with another financial institution with greater growth opportunities might be an effective way to deploy Peoples&#146; excess capital. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">At
a special board meeting held August&nbsp;19, 2014, the directors focused on ways to address the board&#146;s fiduciary obligations to Peoples&#146; shareholders. The directors discussed opportunities as an independent bank and challenges the bank
faced from regulators and competitors. They also discussed the fact that several investment banks had indicated that there was active interest among potential partners in pursuing community bank mergers and acquisitions. The board concluded that
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">36 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
Peoples should engage a financial advisor in connection with a possible sale of Peoples. Peoples subsequently engaged KBW to act as its financial advisor in early September 2014. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In selecting KBW, Peoples&#146; board of directors considered the fact that KBW had provided prior and ongoing services to several of the
financial institutions that were potential merger partners, but concluded that such services would not adversely affect KBW&#146;s ability to act as Peoples&#146; financial advisor. The board considered KBW&#146;s ongoing and long relationship with
Peoples, extensive experience and capabilities relating to combinations involving financial institutions in the United States and its reputation as a leading investment banker in the financial services area, when making this decision. KBW, as part
of its investment banking business, is regularly engaged in the evaluation of businesses and securities in connection with mergers and acquisitions, as well as private placements of listed and unlisted securities. KBW is very familiar with the
market for common stocks of publicly and privately traded banks, thrifts, and bank and thrift holding companies. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">On September&nbsp;16,
2014, at a special board meeting, the board met to further consider a potential sale process. Management and Peoples&#146; legal and financial advisors also participated in the meeting. KBW discussed with the board potential strengths and weaknesses
of Peoples and potential steps for a controlled auction sale of Peoples. Peoples&#146; counsel discussed the directors&#146; fiduciary duties and the importance of maintaining confidentiality and suspending trading in Peoples&#146; shares during the
process. KBW then discussed with the board in detail publicly available information regarding 17 potential acquirors, including information regarding their potential financial ability to acquire Peoples. Management of Peoples was directed by the
board to start working, with KBW&#146;s assistance, on a confidential information memorandum and creation of a virtual data room for potential bidders. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">During the next month, a confidential information memorandum for Peoples was completed and the virtual data room was prepared for use by
interested parties. At the direction of the board, 17 potential buyers (which included Horizon) were contacted. Nondisclosure agreements were signed by 12 of the potential buyers that were contacted, including Horizon. Horizon&#146;s management and
board of directors regularly review the financial services industry environment, including the trend towards consolidation in the industry, and periodically discuss ways in which to enhance Horizon&#146;s competitive position, including the possible
acquisition of another financial institution. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Access to Peoples&#146; electronic data room was granted to the 12 interested parties that
executed a nondisclosure agreement. During the months of October and November, 2014, several of the interested parties held targeted diligence calls seeking additional information and representatives of Horizon met with management of Peoples and
KBW. Horizon&#146;s management team also discussed, on a preliminary basis, with Horizon&#146;s board of directors the opportunity to submit an indication of interest for Peoples. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">By November&nbsp;19, 2014, which had been set as the deadline for indications of interest from potential buyers, Peoples received three
written indications of interest, including one from Horizon. The range of purchase prices proposed in the indications was between $32.00 per share and $33.30 per share, based on current market prices, and Horizon&#146;s indication provided for a
$32.50 per share valuation. Prior to submitting its bid, Horizon&#146;s board of directors reviewed and approved Horizon&#146;s indication of interest, after discussion with Horizon&#146;s management and financial advisors. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Peoples&#146; board of directors met on November&nbsp;24, 2014 to consider the indications of interest and financial overviews of the three
bidders. All of the bids proposed a mix of consideration consisting of stock of the buyer and cash, with one of the bidders requiring a 50% cash/50% stock transaction. All bids contemplated a fixed exchange ratio to be determined at the time the
merger agreement was signed. All bidders offered or agreed to consider 1-2 board seats for directors of Peoples to be chosen later, and one offered to create an advisory board of directors with representatives from Peoples&#146; markets. Two of the
bidders were of a size that their shareholders needed to vote on the merger. One of the bidders was expected to have antitrust issues with a merger of Peoples and might be required to divest one or more branches. One of the bidders traded in the
OTCQX market, while the other two traded on the NASDAQ Global Select Market. After extensive discussion and deliberations, Peoples instructed KBW to ask all three bidders (which included Horizon) to complete their due diligence and thereafter submit
final bids. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Between November&nbsp;25, 2014 and January&nbsp;26, 2015, the three participants performed extensive additional due
diligence. Discussions between the bidders and Peoples&#146; management included participation by KBW. Also, on December&nbsp;12, 2014, each participant met with management and directors of Peoples to discuss information about their banks. A
deadline of January&nbsp;26, 2015 was set for final letters of intent. Throughout the process, Horizon&#146;s board of directors was kept apprised of its management&#146;s and financial advisors&#146; continuing discussions with Peoples, and on
January&nbsp;20, 2015, Horizon&#146;s board of directors approved a revised indication of interest, after reviewing updated modeling projections with Horizon&#146;s management and financial advisors. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">37 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">All three bidders submitted final bid letters. Peoples&#146; board of directors met on
January&nbsp;28, 2015 to consider these proposals. One of the bidders submitted its final bid on the low end of its initial range at $32 per share and indicated that a divesture of at least one branch of Peoples as a result of antitrust
considerations was likely. Horizon remained at its $32.50 per share initial bid but reduced the percentage of its stock as transaction consideration from 75% to 70% of the deal and required that the cost of terminating Peoples&#146; defined benefit
plan not exceed $4.9 million. The third bidder provided a final bid that reflected a stated value of $33.74 per share, while retaining a 50% stock/50% cash consideration mix. Based on the exchange ratio provided for in the third bidder&#146;s bid
and that bidder&#146;s then current stock price, the bid had a reduced implied value of $33.10 per share at the time of the board meeting. That bidder&#146;s analysis of synergies from the merger incorporated into its numbers incremental loan
growth. Its shares were traded on the OTCQX market. The board discussed the bids with Peoples&#146; financial and legal advisors. Peoples&#146; advisors were then excused from the meeting. The board discussed the reasons for a sale of Peoples and
whether a change in business strategy, including the addition of a new board member, followed by a sale in three to five years would be preferable to a sale now. After further discussion, the board determined that it would not approve a sale based
on the terms proposed in the bids received and further determined to terminate the sale process at that time. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The next day, on
January&nbsp;29, 2015, the board met again to reconsider the status of the sale process. After consultation with Peoples&#146; advisors regarding the sale process undertaken to date and the board&#146;s consideration of the risk to Peoples that
termination of the sale process at that time would create, the directors reconsidered the three bids and decided to clarify certain issues in Horizon&#146;s bid including the cap of $4.9 million on the cost of terminating the bank&#146;s defined
benefit plan and whether Horizon would consider whether a large customer of the bank could be appointed as a director of Horizon. Horizon was also to be asked if it would offer 100% stock and whether its offer was its highest and best bid. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">At a telephone meeting on January&nbsp;30, 2015, Peoples&#146; board was informed by KBW that Horizon had indicated that it would consider a
member of the community as a member of the advisory board to be established in connection with the merger. Horizon continued to propose a 70% stock/30% cash consideration mix but increased the proposed exchange ratio to 0.95 of a share of Horizon
common stock plus $9.75 cash for each share of Peoples common stock. This exchange ratio was to remain fixed. The market value of bank stocks, including Horizon, had been subject to recent downward pressure. However, based on the original stock
price Horizon had used in its initial indication of interest, the new exchange ratio plus cash reflected an implied value of $33.15 per share. At the conclusion of this meeting, Peoples&#146; board, by unanimous vote, selected Horizon as the
successful bidder and authorized management and counsel to work expeditiously toward a definitive agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Horizon&#146;s legal counsel
submitted a draft merger agreement to the parties on February&nbsp;6, 2015. From February&nbsp;6, 2015, and through February&nbsp;17, 2015, the parties exchanged comments and negotiated changes to the draft agreement. Peoples also performed reverse
due diligence on Horizon on February&nbsp;13, 2015. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">On February&nbsp;17, 2015, the board of directors of Peoples met and, with assistance
of counsel, discussed the most recent draft of the merger agreement. KBW also participated in the meeting. Counsel led a discussion regarding the provisions of the latest merger agreement draft and responded to questions from directors. The board
was advised that a minimum net equity number for Peoples at the closing was to be required but the minimum number had not yet been determined. KBW also discussed with the board of directors the financial aspects of the proposed merger. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Also on February&nbsp;17, 2015, the board of directors of Horizon met with Horizon&#146;s management and financial and legal advisors who
presented the terms of the merger agreement that had been distributed to the board prior to the meeting and the strategic rationale for the transaction. Following this presentation, the board of directors of Horizon reviewed and discussed the draft
of the merger agreement and the consideration to be paid by Horizon to Peoples. Horizon&#146;s management and financial advisors responded to questions from the board regarding the merger and the merger consideration. Following a lengthy discussion,
the board voted to approve management&#146;s finalization and execution of the merger agreement and all related documents. In deciding to approve the merger agreement, the Horizon board of directors considered the oral opinion of Patrick Capital and
C&amp;C provided to the Horizon board of directors, which was subsequently confirmed in writing, that based on and subject to the various assumptions and limitations set forth in their joint opinion, as of February&nbsp;18, 2015 the merger
consideration to be paid to Peoples&#146; shareholders in the merger is fair, from a financial point of view, to the Horizon common shareholders. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">At a telephone meeting on February&nbsp;18, 2015, the board of directors of Peoples was advised of final changes to the merger agreement,
including a minimum net equity of Peoples at the end of the month prior to closing of $58 million. Also at this meeting, KBW rendered to the board an opinion (which was initially rendered verbally and confirmed by a written opinion, dated
February&nbsp;18, 2015) to the effect that, as of such date and subject to the procedures followed, assumptions made, matters considered, and qualifications and limitations on the review undertaken by KBW as set forth in its opinion, the
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">38 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
merger consideration in the proposed merger was fair, from a financial point of view, to the holders of Peoples common stock. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">After careful consideration of the revised draft of the merger agreement and the other strategic options available to Peoples at the time,
including the likely inability or unwillingness of other potential acquirors to make a superior offer, Peoples&#146; management believed that the proposal set forth in the revised merger agreement was the highest and best offer Horizon would make
and the highest and best offer Peoples was likely to receive from a potential acquiror, and that it was in the best interests of Peoples&#146; shareholders to execute the merger agreement. Peoples&#146; board of directors approved the merger
agreement and authorized the execution of the merger agreement and all related documents. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Peoples and Horizon executed the definitive
Merger Agreement after the close of business on February&nbsp;18, 2015. Horizon and Peoples issued a joint press release publicly announcing the transaction prior to the opening of the financial markets on the morning of February&nbsp;19, 2015.
Meetings with key employees and branch managers regarding the merger were held the evening of February&nbsp;18, 2015, and the morning of February&nbsp;19, 2015, respectively. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_55"></A>Peoples&#146; Reasons for the Merger; Board Recommendation </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Peoples&#146; board of directors has determined that the Merger Agreement and the merger are in the best interests of Peoples and its
shareholders and recommends that Peoples&#146; shareholders vote &#147;FOR&#148; the approval of the Merger Agreement and the transactions contemplated by the Merger Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In its deliberations and in making its determination, Peoples&#146; board of directors considered many factors including, without limitation,
the following: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the business, earnings, operations, financial condition, management, prospects, capital levels, and asset quality of both Horizon and Peoples; </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the current and prospective business and economic environments in which Peoples operates, including challenging national, regional, and local economic conditions, the competitive environment for Indiana financial
institutions characterized by intensifying competition from other financial institutions, increasing consolidation of the financial services industry, the increased regulatory burdens on financial institutions, and the uncertainties in the
regulatory climate going forward; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Peoples&#146; belief that Peoples needs to grow to be in a position to deliver a competitive return to its shareholders; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the likelihood that acquisition opportunities for Peoples as a buyer are limited for the foreseeable future given Peoples&#146; illiquid common stock which would be part of any consideration offered to potential targets
and lack of attractive smaller banks within and surrounding its footprint; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Horizon&#146;s ability and resources to negotiate, execute, and close, and conduct due diligence in connection with, a definitive merger agreement on an expedited basis; </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Peoples&#146; board&#146;s belief that, after consideration of potential alternatives, including the likely inability of other potential strategic partners to consummate a transaction on terms superior to those offered
in the Merger Agreement, the merger is expected to provide greater benefits to Peoples&#146; shareholders than the range of possible alternatives, including continuing to operate Peoples on a stand-alone basis or pursuing a transaction with another
bidder; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Peoples&#146; belief that a robust auction process was conducted with the assistance of KBW in an effort to maximize the price Peoples shareholders will receive; </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the knowledge that investors remain focused on the trading liquidity of a bank&#146;s shares and generally value companies with greater market capitalizations with higher valuations; </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the effect of the merger on Peoples Bank&#146;s employees, including the prospects for continued employment and the severance and other benefits agreed to be provided by Horizon to Peoples Bank&#146;s employees;
</TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Horizon&#146;s superior access to capital and managerial resources relative to that of Peoples; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the benefits of being part of a larger and more diversified combined financial institution and the risks of continuing to be an independent company, given the limited liquidity of Peoples&#146; common stock and the lack
of acquisition opportunities for Peoples; </TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">39 </P>


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


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the perceived compatibility of the business philosophies and cultures of Peoples and Horizon, which Peoples&#146; board believed would facilitate the integration of the operations of the two companies;
</TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Horizon&#146;s commitment to Indiana and Michigan and reputation for community volunteerism; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the board&#146;s desire to provide Peoples&#146; shareholders with the prospects for greater future appreciation on their investments in Peoples common stock than the amount the board of directors believes Peoples could
achieve independently; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the board&#146;s desire to provide Peoples&#146; shareholders with a favorable cash dividend and future prospects for increases in cash dividends; </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the expectation that the historical liquidity of Horizon&#146;s stock will offer Peoples shareholders the opportunity to participate in the growth and opportunities of Horizon by retaining their Horizon stock following
the merger, or to exit their investment, should they prefer to do so; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the financial and other terms and conditions of the Merger Agreement, including (1)&nbsp;the fact that the exchange ratio (assuming no adjustments) represents approximately 124% of Peoples&#146; tangible book value as
of the date of the Merger Agreement and is fixed, with no caps, (2)&nbsp;the provision giving Peoples the right to terminate the Merger Agreement in the event of a specified decline in the market value of Horizon common stock relative to a
designated market index unless Horizon agrees to pay additional merger consideration, and (3)&nbsp;provisions providing for the payment of a $3.5 million termination fee if the merger agreement is terminated under certain circumstances, which
Peoples&#146; board deemed reasonable; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the potential upside in Horizon&#146;s common stock based on expected earnings accretion; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the fact that the value of the merger consideration prior to the public announcement of the merger represented a significant premium over recent trading prices for Peoples common stock; </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the overall greater scale that will be achieved by the merger that will better position the combined company for future growth; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Horizon&#146;s long-term growth strategy in the midwestern United States; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the complementary geographic locations of Peoples and Horizon branch networks in Indiana; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the historical and current market prices of Horizon; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>the opinion, dated February&nbsp;18, 2015, of KBW to the board of directors as to the fairness, from a financial point of view and as of the date of the opinion, to the holders of Peoples common stock of the
merger consideration in the merger, as more fully described below under &#147;<I>&#150; Opinion of Peoples&#146; Financial Advisor</I>&#148;; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>the interests of Peoples&#146; directors and executive officers in the merger, in addition to their interests generally as shareholders, as described under &#147;<I>&#150; Interests of Certain Directors and
Officers of Peoples in the Merger</I>&#148;; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the likelihood that the regulatory approvals necessary to complete the transaction would be obtained; and </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the effect of the merger on Peoples Bank&#146;s customers and the communities in which they conduct business. </TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The foregoing discussion of the factors considered by Peoples&#146; board of directors is not intended to be exhaustive, but rather includes
the material factors considered by Peoples&#146; board of directors. In reaching its decision to approve the Merger Agreement, the merger, and the related Plan of Merger, Peoples&#146; board of directors did not quantify or assign any relative
weights to the factors considered, and individual directors may have given different weights to different factors. Peoples&#146; board of directors considered all these factors as a whole, including discussions with, and questioning of,
Peoples&#146; management and Peoples&#146; financial and legal advisors, and overall considered the factors to be favorable to, and to support, its determination. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>For the reasons set forth above, Peoples&#146; board of directors unanimously determined that the merger, the Merger Agreement, and the
related Plan of Merger are advisable and in the best interests of Peoples and its shareholders, and unanimously approved and adopted the Merger Agreement. The Peoples&#146; board of directors unanimously recommends that Peoples&#146; shareholders
vote &#147;FOR&#148; approval of the Merger Agreement and the merger. </B></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">40 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_56"></A>Horizon&#146;s Reasons for the Merger; Board Recommendation </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In reaching its decision to approve the Merger Agreement and recommend that Horizon&#146;s shareholders approve the issuance of shares of
Horizon common stock in the merger, Horizon&#146;s board of directors consulted with Horizon&#146;s management, as well as its financial and legal advisors, and considered a number of factors, including: </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the business, earnings, operations, financial condition, management, prospects, capital levels, and asset quality of both Horizon&nbsp;and Peoples, taking into account the results of Horizon&#146;s due diligence review
of Peoples, including Horizon&#146;s assessments of Peoples&#146; credit policies, asset quality, adequacy of loan loss reserves, interest rate risk, and litigation; </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the locations of Peoples&#146; banking offices, which are consistent with Horizon&#146;s strategic expansion plans in the northern Indiana and southern Michigan markets, and the fact that the aggregate population of
these markets will enable Horizon to increase its potential customer base by approximately 19.2%; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the overall greater scale that will be achieved by the merger that will better position the combined company for future growth; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">its belief that Horizon&nbsp;and Peoples have similar cultures and similar community-oriented philosophies, and the complementary nature of the strengths of the management personnel of each company; </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the belief of Horizon&#146;s management that the merger will result in pre-tax annual cost savings of approximately $1.7 million in 2015, $4.7 million in 2016, and $4.8 million in 2017.&nbsp;Approximately $970,000 of
the expected savings in 2015 are expected to result from reduced expenses for salaries, employee benefits, and other employee matters, approximately $226,000 are expected to result from reduced data processing expenses, approximately $163,000 are
expected to result from reduced professional fees, approximately $23,000 are expected to result from reduced occupancy expense, and approximately $320,000 are expected to result from reduced general, administrative, and other expenses;
</TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the belief of Horizon&nbsp;that the merger will produce earnings enhancement opportunities from additional sources of non-interest income; </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the estimation by Horizon&#146;s management that the merger will result in after-tax earnings per share accretion of $0.10 in 2016 and $0.13 in 2017; </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the likelihood of a successful integration of Peoples&#146; business, operations, and workforce with those of Horizon&nbsp;and of successful operation of the combined company, and the belief that customer disruption in
the transition phase would not be significant due to the complementary nature of the markets served by Horizon and Peoples; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the historical and current market prices of Horizon&#146;s&nbsp;common stock and Peoples&#146; common stock; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the fact that Peoples&#146; shareholders would own approximately 18.6% of the diluted share ownership of the combined company; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the financial and other terms and conditions of the Merger Agreement, including the fact that the exchange ratio and the per share amount of the cash merger consideration are both fixed, provisions designed to limit the
ability of the Peoples&#146; board of directors to entertain third party acquisition proposals, a provision giving Peoples the right to terminate the Merger Agreement in the event of a specified decline in the market value of Horizon&#146;s common
stock relative to a designated market index unless Horizon&nbsp;agrees to pay additional merger consideration, and provisions providing for payment by Peoples to Horizon&nbsp;of a $3.5 million termination fee if the Merger Agreement is terminated
under certain circumstances; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the financial analysis presented by Patrick Capital and C&amp;C, Horizon&#146;s financial advisors, and the joint opinion dated as of February18, 2015 delivered to Horizon&#146;s board of directors by Patrick Capital
and C&amp;C, to the effect that, as of that date, and subject to and based on the qualifications and assumptions set forth in the opinion, the consideration being paid by Horizon in the merger is fair, from a financial point of view, to the Horizon
common shareholders; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the interests of Peoples&#146; directors and executive officers in the merger, in addition to their interests generally as shareholders, as described under &#147;<I>Interests of Certain Directors and Officers of Peoples
in the Merger</I>&#148; beginning on page &nbsp;&nbsp;&nbsp;&nbsp;; and </TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">41 </P>


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


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the need to obtain Peoples&#146; shareholder approval,&nbsp;Horizon&#146;s shareholder approval, and regulatory approvals in order to complete the transaction. </TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The foregoing discussion of the factors considered by Horizon&#146;s board of directors is not intended to be exhaustive, but rather includes
the material factors considered by Horizon&#146;s board of directors. In reaching its decision to approve the Merger Agreement, the merger, and the related Plan of Merger, Horizon&#146;s board of directors did not quantify or assign any relative
weights to the factors considered, and individual directors may have given different weights to different factors. Horizon&#146;s board of directors considered all these factors as a whole, including discussions with, and questioning of,
Horizon&#146;s management and its financial and legal advisors, and overall considered the factors to be favorable to, and to support, its determination. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>For the reasons set forth above, Horizon&#146;s board of directors unanimously approved the Merger Agreement, the merger, the related Plan
of Merger, and the transactions contemplated by the Merger Agreement, and unanimously recommends that Horizon&#146;s shareholders vote &#147;FOR&#148; the approval of the Merger Agreement and the transactions contemplated by the Merger Agreement,
including the issuance of shares of Horizon common stock in the merger. </B></P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_57"></A>Effects of the Merger </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The respective boards of directors of Horizon and Peoples believe that, over the long-term, the merger will be beneficial to Horizon&#146;s
shareholders, including the current shareholders of Peoples who will become Horizon shareholders if the merger is completed. The Horizon board of directors believes that one of the potential benefits of the merger is the cost savings that may be
realized by combining the two companies and integrating Peoples Bank into Horizon&#146;s banking subsidiary, which savings are expected to enhance Horizon&#146;s earnings. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Horizon expects to reduce expenses by combining accounting, data processing, retail and lending support, and other administrative functions
after the merger, which will enable Horizon to achieve economies of scale in these areas. Promptly following the completion of the merger, which is expected to occur during the third quarter of 2015, Horizon plans to begin the process of eliminating
redundant functions and eliminating duplicative expenses. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I></I>In this regard, it is contemplated that after the merger Horizon Bank
will continue to operate the main offices and branch offices of Peoples Bank, except that Peoples and Horizon intend to attempt to sell the Peoples Bank branch located at 420 N. Main Street, Middlebury, Indiana, which is located in Elkhart County.
If a buyer for this branch cannot be identified by mid-to-late June 2015, Horizon intends to close the branch after the closing of the merger. For more information about the Middlebury, Indiana branch and Peoples Bank&#146;s other branch offices,
see &#147;<I>Additional Information About Peoples &#150; Properties</I>&#148; beginning on page &nbsp;&nbsp;&nbsp;&nbsp;. <I> </I></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The
amount of any cost savings Horizon may realize in 2015 will depend upon how quickly and efficiently Horizon is able to implement the processes outlined above during the year. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Horizon believes that it will achieve cost savings based on the assumption that it will be able to: </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">reduce data processing costs; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">reduce staff; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">achieve economies of scale in advertising and marketing budgets; and </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">reduce legal and accounting fees. </TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Horizon has based these assumptions on its present
assessment of where savings could be realized based upon the present independent operations of the two companies. Actual savings in some or all of these areas could be higher or lower than is currently expected. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Horizon also believes that the merger will be beneficial to the customers of Peoples as a result of the additional products and services
offered by Horizon and because of its increased lending capability. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_58"></A>Negotiations, Transactions, or Materials Contracts
</B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Except as set forth above or elsewhere in this joint proxy statement/prospectus, none of Peoples, Peoples Bank, nor any of their
respective directors, executive officers, or other affiliates had any negotiations, transactions, or material contracts with Horizon, Horizon Bank, or any of their directors, executive officers, or other affiliates during the past three years that
would require disclosure under the rules and regulations of the SEC applicable to this joint proxy statement/prospectus. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">42 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_59"></A>Opinion of Peoples&#146; Financial Advisor </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Peoples engaged Keefe, Bruyette&nbsp;&amp; Woods, Inc. (&#147;KBW&#148;) to render financial advisory and investment banking services to
Peoples, including an opinion to the Peoples board of directors as to the fairness, from a financial point of view, to the holders of Peoples common stock of the merger consideration in the proposed merger of Peoples with and into Horizon. Peoples
selected KBW because KBW is a nationally recognized investment banking firm with substantial experience in transactions similar to the merger. As part of its investment banking business, KBW is continually engaged in the valuation of financial
services businesses and their securities in connection with mergers and acquisitions. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">As part of its engagement, representatives of KBW
attended the meeting of the Peoples board held on February&nbsp;18, 2015, at which the Peoples board evaluated the proposed merger. At this meeting, KBW rendered an opinion to the Peoples board to the effect that, as of such date and subject to the
procedures followed, assumptions made, matters considered, and qualifications and limitations on the review undertaken by KBW as set forth in such opinion, the merger consideration in the proposed merger was fair, from a financial point of view, to
the holders of Peoples common stock. The Peoples board approved the Merger Agreement at this meeting. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The description of the opinion set
forth herein is qualified in its entirety by reference to the full text of the opinion, which is attached as <U>Appendix B</U> to this document and is incorporated herein by reference, and describes the procedures followed, assumptions made, matters
considered, and qualifications and limitations on the review undertaken by KBW in preparing the opinion. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>KBW&#146;s opinion speaks
only as of the date of the opinion. The opinion was for the information of, and was directed to, the Peoples board (in its capacity as such) in connection with its consideration of the financial terms of the merger. The opinion addressed only the
fairness, from a financial point of view, of the merger consideration in the merger to the holders of Peoples common stock. It did not address the underlying business decision of Peoples to engage in the merger or enter into the Merger Agreement or
constitute a recommendation to the Peoples board in connection with the merger, and it does not constitute a recommendation to any holder of Peoples common stock or any shareholder of any other entity as to how to vote in connection with the merger
or any other matter, nor does it constitute a recommendation regarding whether or not any such shareholder should enter into a voting, shareholders&#146;, or affiliates&#146; agreement with respect to the merger or exercise any dissenters&#146; or
appraisal rights that may be available to such shareholder. </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">KBW&#146;s opinion was reviewed and approved by KBW&#146;s Fairness
Opinion Committee in conformity with its policies and procedures established under the requirements of Rule 5150 of the Financial Industry Regulatory Authority. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In connection with the opinion, KBW reviewed, analyzed and relied upon material bearing upon the financial and operating condition of Peoples
and Horizon and the merger, including among other things: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">a draft of the Merger Agreement, dated February&nbsp;16, 2015 (the most recent draft then made available to KBW); </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>certain regulatory filings of Peoples and Horizon, including the quarterly call reports filed with respect to each quarter during the three years ended December&nbsp;31, 2014 for Peoples and Horizon;
</TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the audited financial statements for the three fiscal years ended September&nbsp;30, 2014 of Peoples; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>the audited financial statements and Annual Reports on Form 10-K for the three fiscal years ended December&nbsp;31, 2013 of Horizon; </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>the unaudited quarterly financial statements for the fiscal quarter ended December&nbsp;31, 2014 of Peoples; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>the unaudited quarterly financial statements and Quarterly Reports on Form 10-Q for the fiscal quarters ended March&nbsp;31, 2014,&nbsp;June&nbsp;30, 2014 and September&nbsp;30, 2014 of Horizon;
</TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the unaudited quarterly and fiscal year-end financial results for the fiscal quarter and fiscal year ended December&nbsp;31, 2014 of Horizon (contained in the Current Report on Form 8-K filed by Horizon with the
Securities and Exchange Commission on January&nbsp;22, 2014); </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>certain other interim reports and other communications of Peoples and Horizon to their respective shareholders; and </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>other financial information concerning the businesses and operations of Peoples and Horizon furnished to KBW by Peoples and Horizon or which KBW was otherwise directed to use for purposes of KBW&#146;s analysis.
</TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">43 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">KBW&#146;s consideration of financial information and other factors that it deemed appropriate
under the circumstances or relevant to its analyses included, among others, the following: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>the historical and current financial position and results of operations of Peoples and Horizon; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>the assets and liabilities of Peoples and Horizon; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the nature and terms of certain other merger transactions and business combinations in the banking industry; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>a comparison of certain financial information for Peoples and certain financial and stock market information for Horizon with similar information for certain other companies the securities of which were publicly
traded; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">financial and operating forecasts and projections of Peoples that were prepared by, and provided to KBW and discussed with KBW by, Peoples management and that were used and relied upon by KBW at the direction of such
management with the consent of the Peoples board; and </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">financial and operating forecasts and projections of Horizon and estimates regarding certain pro forma financial effects of the merger on Horizon (including, without limitation, the cost savings, related expenses and
operating synergies expected to result from the merger), that were prepared by, and provided to KBW and discussed with KBW by, Horizon management and that were used and relied upon by KBW at the direction of the Peoples board. </TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">KBW also performed such other studies and analyses as it considered appropriate and took into account its assessment of general economic,
market and financial conditions and its experience in other transactions, as well as its experience in securities valuation and knowledge of the banking industry generally. KBW also held discussions with senior management of Peoples and Horizon
regarding the past and current business operations, regulatory relations, financial condition and future prospects of their respective companies and such other matters as KBW deemed relevant to its inquiry. In addition, KBW considered the results of
the efforts undertaken by Peoples, with KBW&#146;s assistance, to solicit indications of interest from third parties regarding a potential transaction with Peoples. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In conducting its review and arriving at its opinion, KBW relied upon and assumed the accuracy and completeness of all of the financial and
other information provided to it or that was publicly available and did not independently verify the accuracy or completeness of any such information or assume any responsibility or liability for such verification, accuracy or completeness. KBW
relied upon the respective managements of Peoples and Horizon as to the reasonableness and achievability of the financial and operating forecasts and projections of Peoples and Horizon (and the assumptions and bases therefor) that were prepared by,
and provided to KBW and discussed with KBW by such managements. KBW assumed, with the consent of Peoples, that such forecasts and projections were reasonably prepared on a basis reflecting the best currently available estimates and judgments of such
managements and that such forecasts and projections would be realized in the amounts and in the time periods currently estimated by such managements. KBW further relied upon Horizon management as to the reasonableness and achievability of the
estimates regarding certain pro forma financial effects of the merger on Horizon (and the assumptions and bases therefor, including without limitation, cost savings, related expenses and operating synergies expected to result from the merger) that
were prepared and provided to KBW by, and discussed with KBW by, such management. KBW assumed, with the consent of Peoples, that all such estimates were reasonably prepared on a basis reflecting the best currently available estimates and judgments
of such management and that such estimates would be realized in the amounts and in the time periods currently estimated by such management. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">It is understood that the forecasts, projections and estimates of Peoples and Horizon provided to KBW were not prepared with the expectation
of public disclosure, that all such information was based on numerous variables and assumptions that are inherently uncertain, including, without limitation, factors related to general economic and competitive conditions and that, accordingly,
actual results could vary significantly from those set forth in such forecasts, projections and estimates. KBW assumed, based on discussions with the respective managements of Peoples and Horizon, that such forecasts, projections and estimates of
Peoples and Horizon referred to above, provided a reasonable basis upon which KBW could form its opinion and KBW expressed no view as to any such information or the assumptions or bases therefor. KBW relied on all such information without
independent verification or analysis and did not in any respect assume any responsibility or liability for the accuracy or completeness thereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">KBW also assumed that there were no material changes in the assets, liabilities, financial condition, results of operations, business or
prospects of either Peoples or Horizon since the date of the last financial statements of each such entity that were made available to KBW. KBW is not an expert in the independent verification of the adequacy of allowances for loan and lease losses
and KBW assumed, without independent verification and with Peoples&#146; consent, that the aggregate </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">44 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
allowances for loan and lease losses for Peoples and Horizon were adequate to cover such losses. In rendering its opinion, KBW did not make or obtain any evaluations or appraisals or physical
inspection of the property, assets or liabilities (contingent or otherwise) of Peoples or Horizon, the collateral securing any of such assets or liabilities, or the collectability of any such assets, nor did KBW examine any individual loan or credit
files, nor did it evaluate the solvency, financial capability or fair value of Peoples or Horizon under any state or federal laws, including those relating to bankruptcy, insolvency or other matters. Estimates of values of companies and assets do
not purport to be appraisals or necessarily reflect the prices at which companies or assets may actually be sold. Because such estimates are inherently subject to uncertainty, KBW assumed no responsibility or liability for their accuracy. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">KBW assumed that, in all respects material to its analyses: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>the merger and any related transaction (including the subsidiary bank merger) would be completed substantially in accordance with the terms set forth in the Merger Agreement (the final terms of which KBW assumed
would not differ in any respect material to KBW&#146;s analyses from the latest draft of the Merger Agreement that had been reviewed by KBW) with no additional payments or adjustments to the merger consideration; </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>the representations and warranties of each party in the Merger Agreement and in all related documents and instruments referred to in the Merger Agreement were true and correct; </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>each party to the Merger Agreement and all related documents would perform all of the covenants and agreements required to be performed by such party under such documents; </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>there are no factors that would delay or subject to any adverse conditions, any necessary regulatory or governmental approval for the merger or any related transaction and that all conditions to the completion of
the merger and any related transaction would be satisfied without any waivers or modifications to the Merger Agreement; and </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>in the course of obtaining the necessary regulatory, contractual, or other consents or approvals for the merger and any related transaction, no restrictions, including any divestiture requirements, termination or
other payments or amendments or modifications, would be imposed that would have a material adverse effect on the future results of operations or financial condition of Peoples, Horizon, the combined entity or the contemplated benefits of the merger,
including the cost savings, related expenses and operating synergies expected to result from the merger. </TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">KBW assumed, in
all respects material to its analysis, that the merger would be consummated in a manner that complied with the applicable provisions of the Securities Act of 1933, as amended, the Securities Exchange Act of 1934, as amended, and all other applicable
federal and state statutes, rules and regulations. KBW further assumed that Peoples relied upon the advice from appropriate sources (other than KBW) as to all legal, financial reporting, tax, accounting and regulatory matters with respect to
Peoples, Horizon, the merger, any related transaction (including the subsidiary bank merger), and the Merger Agreement. KBW did not provide advice with respect to any such matters. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">KBW&#146;s opinion addressed only the fairness, from a financial point of view, as of the date of such opinion, of the merger consideration in
the merger to the holders of Peoples common stock. KBW expressed no view or opinion as to any other terms or aspects of the merger or any related transaction (including the subsidiary bank merger), including without limitation, the form or structure
of the merger (including the form of merger consideration or the allocation of the merger consideration between stock and cash) or any related transaction, any consequences of the merger or any related transaction to Peoples, its shareholders,
creditors or otherwise, or any terms, aspects, merits or implications of any employment, consulting, voting, support, shareholder or other agreements, arrangements or understandings contemplated or entered into in connection with the merger or
otherwise. KBW&#146;s opinion was necessarily based upon conditions as they existed and could be evaluated on the date of such opinion and the information made available to KBW through such date. Developments subsequent to the date of KBW&#146;s
opinion may have affected, and may affect, the conclusion reached in KBW&#146;s opinion and KBW did not and does not have an obligation to update, revise or reaffirm its opinion. KBW&#146;s opinion did not address, and KBW expressed no view or
opinion with respect to: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>the underlying business decision of Peoples to engage in the merger or enter into the Merger Agreement; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>the relative merits of the merger as compared to any strategic alternatives that are, have been or may be available to or contemplated by Peoples or the Peoples board; </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>the fairness of the amount or nature of any compensation to any of Peoples&#146; officers, directors or employees, or any class of such persons, relative to any compensation to the holders of Peoples common
stock; </TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">45 </P>


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


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>the effect of the merger or any related transaction on, or the fairness of the consideration to be received by, holders of any class of securities of Horizon or any other party to any transaction contemplated by
the Merger Agreement; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>whether Horizon has sufficient cash, available lines of credit or other sources of funds to enable it to pay the aggregate cash consideration to the holders of Peoples common stock at the closing of the merger;
</TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>the actual value of Horizon common stock to be issued in the merger; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>any adjustment (as provided in the Merger Agreement) in the amount of the stock consideration assumed to be paid in the merger for purposes of KBW&#146;s opinion; </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>the prices, trading range or volume at which Peoples common stock or Horizon common stock would trade following the public announcement of the merger or the prices, trading range or volume at which Horizon common
stock would trade following consummation of the merger; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>any advice or opinions provided by any other advisor to any of the parties to the merger or any other transaction contemplated by the merger agreement; or </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>any legal, regulatory, accounting, tax or similar matters relating to Peoples, Horizon, their respective shareholders, or relating to or arising out of or as a consequence of the merger or any related transaction
(including the subsidiary bank merger), including whether or not the merger would qualify as a tax-free reorganization for United States federal income tax purposes. </TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In performing its analyses, KBW made numerous assumptions with respect to industry performance, general business, economic, market and
financial conditions and other matters, which are beyond the control of KBW, Peoples and Horizon. Any estimates contained in the analyses performed by KBW are not necessarily indicative of actual values or future results, which may be significantly
more or less favorable than suggested by these analyses. Additionally, estimates of the value of businesses or securities do not purport to be appraisals or to reflect the prices at which such businesses or securities might actually be sold.
Accordingly, these analyses and estimates are inherently subject to substantial uncertainty. In addition, the KBW opinion was among several factors taken into consideration by the Peoples board in making its determination to approve the Merger
Agreement and the merger. Consequently, the analyses described below should not be viewed as determinative of the decision of the Peoples board with respect to the fairness of the merger consideration. The type and amount of consideration payable in
the merger were determined through negotiation between Peoples and Horizon and the decision to enter into the Merger Agreement was solely that of the Peoples board. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The following is a summary of the material financial analyses performed by KBW in connection with its opinion. The summary is not a complete
description of the financial analyses underlying the opinion, but summarizes the material analyses performed in connection with such opinion. The financial analyses summarized below include information presented in tabular format. The tables alone
do not constitute a complete description of the financial analyses. The preparation of a fairness opinion is a complex analytic process involving various determinations as to appropriate and relevant methods of financial analysis and the application
of those methods to the particular circumstances. Therefore, a fairness opinion is not readily susceptible to partial analysis or summary description. In arriving at its opinion, KBW did not attribute any particular weight to any analysis or factor
that it considered, but rather made qualitative judgments as to the significance and relevance of each analysis and factor. Accordingly, KBW believes that its analyses and the summary of its analyses must be considered as a whole and that selecting
portions of its analyses and factors or focusing on the information presented below in tabular format, without considering all analyses and factors or the full narrative description of the financial analyses, including the methodologies and
assumptions underlying the analyses, could create a misleading or incomplete view of the process underlying its analyses and opinion. For purposes of the financial analyses described below, KBW utilized an implied value of the merger consideration
of $31.62 per share of Peoples common stock, consisting of (i)&nbsp;$9.75 in cash and (ii)&nbsp;the implied value of 0.95 of a share of Horizon common stock to be issued in the merger for each share of Peoples common stock, based on the closing
price of Horizon common stock on February&nbsp;18, 2015. In addition to the financial analyses described below, KBW reviewed with the Peoples board for informational purposes implied transaction multiples for the proposed merger of 25.8x and 23.6x
Peoples&#146; estimated 2015 and 2016 earnings per share (&#147;EPS&#148;), respectively, using estimates provided by Peoples management and based on the implied value of the merger consideration of $31.62 per share of Peoples common stock. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I>Selected Companies Analysis of Peoples</I>. Using publicly available information, KBW compared the financial performance, financial
condition and market performance of Peoples to 21 selected banks and thrifts located in the Midwest region with publicly traded stock, assets between $300 million and $650 million, return on assets greater than 0.0%, tangible
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">46 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
common equity to tangible asset ratios greater than 9.0% and nonperforming assets to assets ratios less than 2.0%. Mutual holding companies and merger targets were excluded from the selected
companies. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The selected companies included in Peoples&#146; &#147;peer&#148; group were: </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="51%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="47%"></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Heartland BancCorp</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">First Capital, Inc.</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">First Clover Leaf Financial Corp</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Farmers Bancorp</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Guaranty Federal Bancshares, Inc.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Iowa First Bancshares Corp.</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Mackinac Financial Corporation</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Crystal Valley Financial Corporation</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Keweenaw Financial Corporation</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Wayne Savings Bancshares, Inc.</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Citizens Community Bancorp, Inc.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">FCN Banc Corp.</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">F.S. Bancorp</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">United Bancorp, Inc.</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Cortland Bancorp</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">CITBA Financial Corporation</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">IF Bancorp, Inc.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Andover Bancorp, Inc.</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">ChoiceOne Financial Services, Inc.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Jacksonville Bancorp, Inc.</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Killbuck Bancshares, Inc.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">To perform this analysis, KBW used last-twelve-months (&#147;LTM&#148;) profitability data and other financial
information through, or for the most recent completed reported quarter available (which, in the case of Peoples, was the fiscal quarter ended December&nbsp;31, 2014) or as of the end of such quarter and market price information as of
February&nbsp;18, 2015. Certain financial data prepared by KBW, as referenced in the tables presented below, may not correspond to the data presented in Peoples&#146; historical financial statements, or the data prepared by Patrick Capital and
C&amp;C presented under the section &#147;<I>The Merger &#150; Joint Opinion of Horizon&#146;s Financial Advisors</I>,&#148; as a result of the different periods, assumptions and methods used by KBW to compute the financial data presented. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">KBW&#146;s analysis showed the following concerning the financial performance of Peoples and the selected companies in its &#147;peer&#148;
group: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="92%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="64%"></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Peoples</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Peer<BR>Group&nbsp;25th<BR>Percentile</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Peer&nbsp;Group<BR>Median</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Peer<BR>Group&nbsp;75th<BR>Percentile</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">LTM Return on Average Assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.74</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.64</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.93</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.08</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">LTM Return on Average Equity</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5.75</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6.62</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.37</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.46</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">LTM Net Interest Margin</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.86</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.38</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.61</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.84</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">LTM Noninterest Income / Average Assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.84</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.50</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.76</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.93</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">LTM Noninterest Expense / Average Assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.53</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.18</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.86</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.45</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">LTM Efficiency Ratio</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">73.16</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">73.20</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">68.17</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">63.83</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">KBW&#146;s analysis also showed the following ratios concerning the financial condition of Peoples and the
selected companies in its &#147;peer&#148; group: </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">47 </P>


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


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="92%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="64%"></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Peoples</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Peer<BR>Group&nbsp;25th<BR>Percentile</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Peer&nbsp;Group<BR>Median</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Peer<BR>Group&nbsp;75th<BR>Percentile</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Tangible Common Equity / Tangible Assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12.18</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.54</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.80</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.74</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total Risk-Based Capital Ratio</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21.52</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14.19</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15.80</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17.44</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Loans / Deposits</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">63.77</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">75.66</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">80.10</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">90.61</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Loan Loss Reserve / Gross Loans</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.83</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.06</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.30</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.45</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Texas Ratio</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.20</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13.98</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11.23</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6.73</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Nonperforming Assets / Assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.26</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.57</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.20</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.98</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">LTM Net Charge-Offs / Average Loans</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.30</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.34</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.18</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.04</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In addition, KBW&#146;s analysis showed the following concerning the market performance of Peoples and the
selected companies in in its peer group </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="92%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="64%"></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Peoples</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Peer<BR>Group&nbsp;25th<BR>Percentile</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Peer&nbsp;Group<BR>Median</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Peer<BR>Group&nbsp;75th<BR>Percentile</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">One&#151;Year Stock Price Change</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.00</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.00</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18.75</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">23.55</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">YTD Stock Price Change</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.78</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.00</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.96</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.04</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Stock Price / Book Value per Share</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.98</TD>
<TD NOWRAP VALIGN="bottom">x&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.92</TD>
<TD NOWRAP VALIGN="bottom">x&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.01</TD>
<TD NOWRAP VALIGN="bottom">x&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.19</TD>
<TD NOWRAP VALIGN="bottom">x&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Stock Price / Tangible Book Value per Share</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.02</TD>
<TD NOWRAP VALIGN="bottom">x&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.97</TD>
<TD NOWRAP VALIGN="bottom">x&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.02</TD>
<TD NOWRAP VALIGN="bottom">x&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.21</TD>
<TD NOWRAP VALIGN="bottom">x&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Stock Price / LTM Core EPS <SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17.6</TD>
<TD NOWRAP VALIGN="bottom">x&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.8</TD>
<TD NOWRAP VALIGN="bottom">x&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13.6</TD>
<TD NOWRAP VALIGN="bottom">x&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17.3</TD>
<TD NOWRAP VALIGN="bottom">x&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Core Deposit Premium <SUP STYLE="font-size:85%; vertical-align:top">(2)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.33</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(0.40</TD>
<TD NOWRAP VALIGN="bottom">%)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.22</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.02</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Dividend Yield <SUP STYLE="font-size:85%; vertical-align:top">(3)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.08</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.54</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.68</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.43</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">LTM Dividend Payout <SUP STYLE="font-size:85%; vertical-align:top">(4)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">54.05</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21.30</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">35.78</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">42.79</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(1)</TD>
<TD ALIGN="left" VALIGN="top">Core income excludes extraordinary items, non-recurring items and gains/losses on sale of securities. </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(2)</TD>
<TD ALIGN="left" VALIGN="top">Core deposit premium refers to tangible equity premium to core deposits (total deposits less time deposits greater than $100,000). </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(3)</TD>
<TD ALIGN="left" VALIGN="top">Dividend yield calculated using most recent completed reported quarter dividend annualized. </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(4)</TD>
<TD ALIGN="left" VALIGN="top">Dividend payout calculated using most recent completed reported quarter dividend annualized as a percentage of LTM Core EPS. </TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">No company used as a comparison in the above selected companies analysis is identical to Peoples. Accordingly, an analysis of these results is
not mathematical. Rather, it involves complex considerations and judgments concerning differences in financial and operating characteristics of the companies involved. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I>Selected Companies Analysis of Horizon</I>. Using publicly available information, KBW compared the financial performance, financial
condition and market performance of Horizon to 23 selected banks and thrifts located in the Midwest region with publicly traded stock, total assets between $1 billion and $4 billion, return on assets greater than 0.50% and nonperforming assets to
assets ratios less than 2.0%. Mutual holding companies and merger targets were excluded from the selected companies. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The selected
companies included in Horizon&#146;s &#147;peer&#148; group were: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="51%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="47%"></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">First Busey Corporation</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Dacotah Banks, Inc.</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Lakeland Financial Corporation</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">MidWestOne Financial Group, Inc.</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Enterprise Financial Services Corp</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">STAR Financial Group, Inc.</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">MainSource Financial Group, Inc.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">First Business Financial Services, Inc.</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">First Financial Corporation</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">First Mid-Illinois Bancshares, Inc.</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Mercantile Bank Corporation</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Isabella Bank Corporation</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Peoples Bancorp Inc.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Merchants Financial Group, Inc.</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">48 </P>


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


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="51%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="47%"></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Stock Yards Bancorp, Inc.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">MutualFirst Financial, Inc.</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">QCR Holdings, Inc.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Southern Missouri Bancorp, Inc.</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Hills Bancorporation</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Security National Corporation</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">German American Bancorp, Inc.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">First Citizens Banc Corp</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Meta Financial Group, Inc.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">To perform this analysis, KBW used LTM profitability data and other financial information through, or for the
most recent completed reported quarter available (which, in the case of Horizon, was the fiscal quarter ended December&nbsp;31, 2014) or as of the end of such quarter and market price information as of February&nbsp;18, 2015. KBW also used 2015 EPS
estimates taken from consensus &#147;street estimates&#148; for Horizon and the selected companies. Certain financial data prepared by KBW, as referenced in the tables presented below, may not correspond to the data presented in Horizon&#146;s
historical financial statements, or the data prepared by Patrick Capital and C&amp;C presented under the section &#147;<I>The Merger &#150; Joint Opinion of Horizon&#146;s Financial Advisors</I>,&#148; as a result of the different periods,
assumptions and methods used by KBW to compute the financial data presented. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">KBW&#146;s analysis showed the following concerning the
financial performance of Horizon and the selected companies in its &#147;peer&#148; group: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="92%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="64%"></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Horizon</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Peer<BR>Group&nbsp;25th<BR>Percentile</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Peer&nbsp;Group<BR>Median</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Peer<BR>Group&nbsp;75th<BR>Percentile</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">LTM Return on Average Assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.93</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.77</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.93</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.09</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">LTM Return on Average Equity</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.95</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.36</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.28</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.82</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">LTM Net Interest Margin</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.51</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.33</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.53</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.74</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">LTM Noninterest Income / Average Assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.30</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.80</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.03</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.53</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">LTM Noninterest Expense / Average Assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.11</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.22</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.80</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.50</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">LTM Efficiency Ratio</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">68.66</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">69.99</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">63.96</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">58.14</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">KBW&#146;s analysis also showed the following ratios concerning the financial condition of Horizon and the
selected companies in its &#147;peer&#148; group: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="92%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="64%"></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Horizon</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Peer<BR>Group&nbsp;25th<BR>Percentile</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Peer&nbsp;Group<BR>Median</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Peer<BR>Group&nbsp;75th<BR>Percentile</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Tangible Common Equity / Tangible Assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.32</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.78</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.17</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.98</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total Risk-Based Capital Ratio</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13.08</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13.38</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14.43</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15.54</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Loans / Deposits</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">93.41</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">81.85</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">88.17</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">94.72</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Loan Loss Reserve / Gross Loans</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.19</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.10</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.29</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.58</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Texas Ratio</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14.22</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13.88</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11.03</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6.30</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Nonperforming Assets / Assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.13</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.25</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.94</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.63</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">LTM Net Charge-Offs / Average Loans</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.19</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.15</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.07</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.03</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In addition, KBW&#146;s analysis showed the following concerning the market performance of Horizon and, to the
extent publicly available, the selected companies in its peer group: </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">49 </P>


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


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="92%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="64%"></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Horizon</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Peer<BR>Group&nbsp;25th<BR>Percentile</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Peer&nbsp;Group<BR>Median</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Peer<BR>Group&nbsp;75th<BR>Percentile</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">One&#151;Year Stock Price Change</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6.62</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.24</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.17</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14.98</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">YTD Stock Price Change</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(11.94</TD>
<TD NOWRAP VALIGN="bottom">%)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(2.82</TD>
<TD NOWRAP VALIGN="bottom">%)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1.84</TD>
<TD NOWRAP VALIGN="bottom">%)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.23</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Stock Price / Book Value per Share</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.17</TD>
<TD NOWRAP VALIGN="bottom">x&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.02</TD>
<TD NOWRAP VALIGN="bottom">x&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.22</TD>
<TD NOWRAP VALIGN="bottom">x&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.40</TD>
<TD NOWRAP VALIGN="bottom">x&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Stock Price / Tangible Book Value per Share</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.42</TD>
<TD NOWRAP VALIGN="bottom">x&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.28</TD>
<TD NOWRAP VALIGN="bottom">x&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.35</TD>
<TD NOWRAP VALIGN="bottom">x&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.57</TD>
<TD NOWRAP VALIGN="bottom">x&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Stock Price / LTM Core EPS <SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12.0</TD>
<TD NOWRAP VALIGN="bottom">x&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11.9</TD>
<TD NOWRAP VALIGN="bottom">x&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13.1</TD>
<TD NOWRAP VALIGN="bottom">x&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14.3</TD>
<TD NOWRAP VALIGN="bottom">x&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Stock Price / 2015 EPS</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.7</TD>
<TD NOWRAP VALIGN="bottom">x&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11.2</TD>
<TD NOWRAP VALIGN="bottom">x&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12.1</TD>
<TD NOWRAP VALIGN="bottom">x&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13.6</TD>
<TD NOWRAP VALIGN="bottom">x&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Core Deposit Premium <SUP STYLE="font-size:85%; vertical-align:top">(2)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.75</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.51</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.70</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.07</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Dividend Yield <SUP STYLE="font-size:85%; vertical-align:top">(3)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.43</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.61</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.14</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.77</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">LTM Dividend Payout <SUP STYLE="font-size:85%; vertical-align:top">(4)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">29.11</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20.75</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">26.26</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">34.66</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(1)</TD>
<TD ALIGN="left" VALIGN="top">Core income excludes extraordinary items, non-recurring items and gains/losses on sale of securities. </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(2)</TD>
<TD ALIGN="left" VALIGN="top">Core deposit premium refers to tangible equity premium to core deposits (total deposits less time deposits greater than $100,000). </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(3)</TD>
<TD ALIGN="left" VALIGN="top">Dividend yield calculated using most recent completed reported dividend annualized </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(4)</TD>
<TD ALIGN="left" VALIGN="top">Dividend payout calculated using most recent completed reported dividend annualized as a percentage of LTM Core EPS </TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">No company used as a comparison in the above selected companies analysis is identical to Horizon. Accordingly, an analysis of these results is
not mathematical. Rather, it involves complex considerations and judgments concerning differences in financial and operating characteristics of the companies involved. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I>Select Transactions Analysis.</I> KBW reviewed publicly available information related to 17 selected whole bank and thrift transactions in
the U.S. Midwest region announced since January&nbsp;1, 2012 with announced transaction values greater than $10 million, total assets between $250 million and $850 million and tangible common equity to tangible assets ratios at announcement greater
than 8.0%. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The selected transactions included in the group were: </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="51%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="47%"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE="border-bottom:1.00pt solid #000000; width:38.95pt; font-size:10pt; font-family:Times New Roman">Acquiror:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-bottom:1.00pt solid #000000; width:81.45pt; font-size:10pt; font-family:Times New Roman">Acquired Company:</P></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Farmers National Banc Corp.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">National Bancshares Corporation</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Stupp Bros., Inc.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Southern Bancshares Corp.</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">First Busey Corporation</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Herget Financial Corp.</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Peoples Bancorp Inc.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">NB&amp;T Financial Group, Inc.</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Old National Bancorp</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Founders Financial Corporation</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">First Merchants Corporation</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Community Bancshares, Inc.</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Old National Bancorp</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">LSB Financial Corp.</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Peoples Bancorp Inc.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Ohio Heritage Bancorp, Inc.</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Southern Missouri Bancorp, Inc.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Peoples Service Company</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Huntington Bancshares Incorporated</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Camco Financial Corporation</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Old National Bancorp</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Tower Financial Corporation</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">CNB Financial Corporation</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">FC Banc Corp.</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">F.N.B. Corporation</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">PVF Capital Corp.</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">QCR Holdings, Inc.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Community National Bancorporation</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Wintrust Financial Corporation</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">First Lansing Bancorp, Inc.</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Wintrust Financial Corporation</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">HPK Financial Corporation</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">National Australia Bank, Limited</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">North Central Bancshares, Inc.</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">50 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">For each selected transaction, KBW derived the following implied transaction statistics, in each
case based on the transaction consideration value per common share paid for the acquired company and the then latest financial statements for the acquired company to the extent publicly available prior to the announcement of the acquisition: </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>Price per common share to LTM EPS of the acquired company; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>Price per common share to book value of the acquired company; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>Price per common share to tangible book value per share of the acquired company; and </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>Core deposit premium of the acquired company. </TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">KBW also reviewed the price per common
share paid for the acquired company for each of the nine selected transactions in which the acquired company had publicly traded stock as a premium to the closing stock price of the acquired company one day prior to the announcement of the
acquisition (expressed as a percentage and referred to as the one-day market premium). The resulting transaction statistics for the selected transactions were compared with the corresponding transaction statistics for the proposed merger based on
the implied value of the merger consideration of $31.62 per share of Peoples common stock and using historical financial information for Peoples as of December&nbsp;31, 2014 and the closing price of Peoples common stock on February&nbsp;18, 2015.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The results of the analysis (excluding the impact of the one-day market premium of one of the selected transactions considered to be not
meaningful because it was greater than 100%) are set forth in the following table: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="92%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="60%"></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Peoples&nbsp;/<BR>Horizon<BR>Merger</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Selected<BR>Transactions<BR>25th<BR>Percentile</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Selected<BR>Transactions<BR>Median</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Selected<BR>Transactions<BR>75th<BR>Percentile</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Transaction Price / LTM EPS</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21.4</TD>
<TD NOWRAP VALIGN="bottom">x&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15.9</TD>
<TD NOWRAP VALIGN="bottom">x&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20.0</TD>
<TD NOWRAP VALIGN="bottom">x&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">26.5</TD>
<TD NOWRAP VALIGN="bottom">x&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Transaction Price / Book Value</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">119.2</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">109.8</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">130.0</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">146.9</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Transaction Price / Tangible Book Value</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">123.9</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">109.8</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">131.6</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">148.7</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Core Deposit Premium</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.2</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.4</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6.0</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6.9</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">1&#151;Day Market Premium</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21.6</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">37.4</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">45.6</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">48.1</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">No company or transaction used as a comparison in the above selected transaction analysis is identical to
Peoples or the proposed merger. Accordingly, an analysis of these results is not mathematical. Rather, it involves complex considerations and judgments concerning differences in financial and operating characteristics of the companies involved. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I>Relative Contribution Analysis</I>. KBW analyzed the relative standalone contribution of Horizon and Peoples to various pro forma balance
sheet and income statement items and the pro forma market capitalization of the combined entity. This analysis excluded purchase accounting adjustments. To perform this analysis, KBW used (i)&nbsp;balance sheet data for Horizon and Peoples as of
December&nbsp;31, 2014, (ii)&nbsp;earnings estimates provided by Peoples and Horizon management and (iii)&nbsp;market price data as of February&nbsp;18, 2015. The results of KBW&#146;s analysis are set forth in the following table, which also
compares the results of KBW&#146;s analysis with the pro forma ownership percentages of Horizon and Peoples shareholders in the combined company based on both the 0.95x actual exchange ratio of the stock consideration in the proposed merger and also
an illustrative exchange ratio assuming hypothetical 100% stock consideration in the proposed merger calculated using the implied value of the merger consideration of $31.62 per share of Peoples common stock and the closing price of Horizon common
stock on February&nbsp;18, 2015: </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">51 </P>


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


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="76%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="82%"></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom"><FONT STYLE="font-size:10pt"><B>Ownership</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Horizon<BR>as a %<BR>of Total</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Peoples<BR>as a %<BR>of&nbsp;Total</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Ownership at 0.95x Exchange Ratio</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">81.4</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18.6</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Ownership Assuming Hypothetical 100% Stock Consideration</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">75.2</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">24.8</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Balance Sheet</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">81.0</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19.0</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Gross Loans</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">85.7</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14.3</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Deposits</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">80.1</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19.9</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Common Equity</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">74.8</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">25.2</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Tangible Common Equity</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">71.7</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">28.3</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Income Statement</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">LTM Earnings</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">84.2</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15.8</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">2015 Earnings</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">87.9</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12.1</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">2016 Earnings</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">87.4</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12.6</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">2017 Earnings</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">85.6</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14.4</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Market Capitalization</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Market Capitalization</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">77.9</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">22.1</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I>Pro Forma Financial Impact Analysis.</I> KBW performed a pro forma financial impact analysis that combined
projected income statement and balance sheet information of Horizon and Peoples. Using closing balance sheet estimates as of June&nbsp;30, 2015 for Horizon and Peoples per their respective managements, financial forecasts and projections relating to
the earnings of Horizon and Peoples provided by Horizon and Peoples managements, respectively, and pro forma assumptions (including purchase accounting adjustments, cost savings and related expenses) provided by Horizon management, KBW analyzed the
potential financial impact of the merger on certain projected financial results. This analysis indicated that the merger could be accretive to Horizon&#146;s 2015, 2016 and 2017 estimated EPS (excluding one-time, merger-related charges, if
applicable), accretive to Horizon&#146;s estimated closing book value per share as of June&nbsp;30, 2015 and dilutive to Horizon&#146;s estimated closing tangible book value per share as of June, 30, 2015. Furthermore, the analysis indicated that,
pro forma for the proposed merger, each of Horizon&#146;s tangible common equity to tangible assets ratio, Tier 1 leverage ratio, Tier 1 Risk-Based Capital Ratio and Total Risk-Based Capital Ratio as of June&nbsp;30, 2015 could be lower. For all of
the above analyses, the actual results achieved by Horizon following the merger will vary from the projected results, and the variations may be material. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I>Discounted Cash Flow Analysis.</I> KBW performed a discounted cash flow analysis to estimate a range for the implied equity value of
Peoples. In this analysis, KBW used financial forecasts and projections relating to the earnings and assets of Peoples prepared by and provided to KBW by Peoples management, and assumed discount rates ranging from 12.0% to 16.0%. The range of values
were derived by adding (i)&nbsp;the present value of the estimated free cash flows that Peoples could generate over the period from 2015 to 2019 as a standalone company, and (ii)&nbsp;the present value of Peoples&#146; implied terminal value at the
end of such period. KBW assumed that Peoples would maintain a tangible common equity to tangible assets ratio of 8.00% and would retain sufficient earnings to maintain that level. KBW derived implied terminal values using two methodologies, one
based on 2019 earnings multiples and the other based on 2019 tangible book value multiples. Using implied terminal values for Peoples calculated by applying a range of 11.6x to 15.6x estimated 2019 earnings, this discounted cash flow analysis
resulted in a range of implied value per Peoples common share of $24.59 to $31.90. Using implied terminal values for Peoples calculated by applying a range of 1.00x to 1.40x estimated 2019 tangible book value, this discounted cash flow analysis
resulted in a range of implied value per Peoples common share of $21.73 to $27.87. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">52 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The discounted cash flow analysis is a widely used valuation methodology, but the results of such
methodology are highly dependent on the assumptions that must be made, including asset and earnings growth rates, terminal values, dividend payout rates, and discount rates. The analysis did not purport to be indicative of the actual values or
expected values of Peoples. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I>Miscellaneous. </I>KBW acted as financial advisor to Peoples in connection with the proposed merger and
did not act as an advisor to or agent of any other person. As part of its investment banking business, KBW is continually engaged in the valuation of banking companies in connection with acquisitions, negotiated underwritings, secondary
distributions of listed and unlisted securities, private placements and valuations for various other purposes. As specialists in the securities of banking companies, KBW has experience in, and knowledge of, the valuation of banking enterprises. In
the ordinary course of KBW&#146;s business as a broker-dealer, KBW and its affiliates may from time to time purchase securities from, and sell securities to, Horizon. Further to existing sales and trading relationships between Peoples and both KBW
and a KBW-affiliated broker-dealer, KBW and such affiliate from time to time purchase securities from, and sell securities to, Peoples. As a market maker in securities, KBW may from time to time have a long or short position in, and buy or sell,
debt or equity securities of Peoples and Horizon for its own account and for the accounts of its customers, and KBW employees may also maintain individual positions in Peoples common stock and Horizon common stock, which positions currently include
an individual position in shares of Horizon common stock held by a senior member of the KBW advisory team providing services to Peoples in connection with the proposed merger that was not material to such member or KBW. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Pursuant to the KBW engagement agreement, Peoples agreed to pay KBW a total cash fee equal to 1.30% of the aggregate merger consideration,
$25,000 of which became payable after execution of KBW&#146;s engagement agreement and $150,000 of which became payable to KBW upon the rendering of its opinion and the balance of which is contingent upon the consummation of the merger. Peoples also
agreed to reimburse KBW for reasonable out-of-pocket expenses and disbursements incurred in connection with its retention and to indemnify KBW against certain liabilities relating to or arising out of KBW&#146;s engagement or KBW&#146;s role in
connection therewith. Other than in connection with this present engagement, during the two years preceding the date of its opinion, KBW has not provided investment banking and financial advisory services to Peoples. During the two years preceding
the date of its opinion, KBW has not provided investment banking and financial advisory services to Horizon. KBW may in the future provide investment banking and financial advisory services to Peoples or Horizon and receive compensation for such
services. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">53 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_60"></A>Joint Opinion of Horizon&#146;s Financial Advisors </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Patrick Capital Markets, LLC (&#147;Patrick Capital&#148;) and Cummings&nbsp;&amp; Company, LLC (&#147;C&amp;C&#148;) acted as financial
advisors to Horizon in connection with Horizon&#146;s potential acquisition of Peoples pursuant to the Merger Agreement. On October&nbsp;21, 2014, Horizon formally retained Patrick Capital and C&amp;C to act as financial advisors with respect to the
possible acquisition, merger or other business combination or acquisition of Peoples. Patrick Capital and C&amp;C, as a customary part of their businesses, are continually engaged in the valuation of commercial banks, bank holding companies, savings
and loan associations, savings banks and savings and loan holding companies in connection with mergers, acquisitions and other securities-related transactions. Patrick Capital and C&amp;C have knowledge of, and experience with, the banking market in
which both Horizon and Peoples operate, and were selected by Horizon because of Patrick Capital&#146;s and C&amp;C&#146;s knowledge of, experience with, and reputation in the financial services industry. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">On several occasions between November of 2014 and January of 2015, Horizon&#146;s board of directors held meetings to evaluate the proposed
transaction with Peoples. In the capacity as Horizon&#146;s financial advisors, Patrick Capital and C&amp;C participated in the negotiations with respect to the pricing and other terms and conditions of the merger, but the decision as to whether to
execute the Merger Agreement with Peoples and the pricing of the merger was made by Horizon&#146;s board. At the February&nbsp;17, 2015 meeting, Patrick Capital and C&amp;C rendered an oral fairness opinion to Horizon&#146;s board which was
confirmed in writing as of February&nbsp;18, 2015 (a copy of which is attached hereto as <U>Appendix C</U>), that based on and subject to the assumptions, factors, and limitations as set forth in the opinion and as described below, the consideration
was fair to shareholders of Horizon from a financial point of view. No limitations were imposed by Horizon&#146;s board upon Patrick Capital or C&amp;C with respect to the investigations made or procedures followed by them in arriving at their
opinion. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>The full text of Patrick Capital&#146;s and C&amp;C&#146;s written opinion is attached hereto as <U>Appendix C</U> and is
incorporated in its entirety into this joint proxy statement/prospectus by reference. The opinion outlines the procedures followed, assumptions made, matters considered and qualifications and limitations on the review undertaken by Patrick Capital
and C&amp;C in rendering their joint opinion. The description of the opinion set forth below is qualified in its entirety by reference to the opinion. Horizon and Peoples shareholders are urged to read the entire opinion carefully in connection with
their consideration of the proposed merger. </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Patrick Capital&#146;s and C&amp;C&#146;s opinion speaks only as of the date of the
opinion. The opinion was directed to Horizon&#146;s board and is directed only to the fairness to Horizon of the merger consideration paid to Peoples from a financial point of view. It does not address the underlying business decision of Horizon to
engage in the merger or any other aspect of the merger and is not a recommendation to any Horizon shareholder as to how such shareholder should vote at Horizon&#146;s Annual Meeting with respect to the Merger Agreement and the transactions
contemplated thereby, including the stock issuance in connection with the merger, or any other matter. </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In connection with rendering
their February&nbsp;18, 2015 joint opinion, Patrick Capital and C&amp;C reviewed and considered, among other things: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">The Merger Agreement; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Reviewed Peoples&#146; audited consolidated balance sheets as of September&nbsp;30, 2014 and 2013 and related audited consolidated statements of income, statements of changes in stockholders equity and statements of
cash flows for the fiscal years ending September&nbsp;30, 2014 and 2013; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Reviewed Horizon&#146;s Annual Reports on Form 10-K for the years ended December&nbsp;31, 2013, 2012 and 2011 and Quarterly Reports on Form 10-Q for the quarters ending June&nbsp;30, 2014 and September&nbsp;30, 2014;
</TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Reviewed and analyzed other publicly available information regarding Horizon and Peoples; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Reviewed certain non-public information including business plans, financial projections and third party loan reviews regarding Peoples; </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Reviewed certain non-public information including business plans and financial projections regarding Horizon; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Reviewed recent reported stock prices and trading activity of Horizon&#146;s and Peoples&#146; common stock; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Discussed past and current operations, financial condition and future prospects of each company with senior executives of Horizon and Peoples; </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Reviewed and analyzed certain publicly available financial, transaction and stock market data of banking companies that we selected as relevant to our analysis; </TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">54 </P>


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


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Conducted other analyses and reviewed other information we considered necessary or appropriate; and </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Incorporated our assessment of the overall economic environment and market conditions, as well as our experience in mergers and acquisitions, bank stock valuations and other transactions. </TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In connection with their review, Patrick Capital and C&amp;C relied upon and assumed, without independent verification, the accuracy and
completeness of the financial and other information regarding Horizon, Peoples and their respective subsidiaries that was publicly available or provided to Patrick Capital and C&amp;C by Horizon, Peoples or their respective representatives. Patrick
Capital and C&amp;C discussed certain operating forecasts and financial projections (and the assumptions and bases therefore) with the management of Horizon. Patrick Capital and C&amp;C assumed that those forecasts and projections reflected the best
estimates and judgments of management then available. In certain instances, for the purposes of its analyses, Patrick Capital and C&amp;C made adjustments to those forecasts and projections, which in Patrick Capital&#146;s and C&amp;C&#146;s
judgment were appropriate under the circumstances. Patrick Capital and C&amp;C were not retained to nor did they make any independent evaluation or appraisal of Peoples&#146; assets or liabilities nor did Patrick Capital or C&amp;C review any loan
files of Peoples or its subsidiaries. Patrick Capital and C&amp;C also assumed that the merger in all respects is, and will be, undertaken and consummated in compliance with all laws and regulations that are applicable to Horizon and Peoples and
that in the course of obtaining the necessary regulatory or other consents or approvals (contractual or otherwise) for the merger, no restrictions, including any divestiture requirements or amendments or modifications, will be imposed that will have
a material adverse effect on the future results of operations or financial condition of Horizon, Peoples, or the combined entity, as the case may be, or on the contemplated benefits of the merger, including the expected synergies of the merger.
Expected synergies include non-interest expense reductions and potential enhancements to revenues that may result from greater efficiencies of the combined organization. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The preparation of a fairness opinion for a transaction such as the merger involves various determinations as to the most appropriate and
relevant methods of financial analysis and the application of those methods to the particular circumstances. Therefore, Patrick Capital&#146;s and C&amp;C&#146;s joint opinion is not readily susceptible to summary description. In arriving at their
opinion, Patrick Capital and C&amp;C performed a variety of financial analyses. Patrick Capital and C&amp;C believe that their analyses must be considered as a whole and the consideration of portions of those analyses and the factors considered in
those analyses, or any one method of analysis, without considering all factors and analyses, could create an incomplete view of the analyses and the process underlying Patrick Capital&#146;s and C&amp;C&#146;s joint opinion. No one method of
analysis was assigned a greater significance than any other. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The financial forecasts and projections discussed with Patrick Capital and
C&amp;C were prepared by the managements of both Horizon and Peoples without input from or guidance by Patrick Capital or C&amp;C. Earnings projections for Peoples were included in diligence materials provided to Horizon by Peoples. Throughout the
diligence process Horizon analyzed these earnings projections. Horizon and Peoples do not publicly disclose internal management projections of the type provided to Patrick Capital and C&amp;C in connection with the review of the merger. The
projections were not prepared with a view towards public disclosure. The public disclosure of the projections could be misleading since the projections were based on numerous variables and assumptions which are inherently uncertain, including
without limitation, factors related to general economic and competitive conditions. Accordingly, actual results could vary significantly from those set forth in such projections. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In its analyses, Patrick Capital and C&amp;C made numerous assumptions with respect to industry performance, general business and economic
conditions, and other matters, many of which are beyond the control of Horizon or Peoples. Any estimates contained in Patrick Capital&#146;s and C&amp;C&#146;s analyses are not necessarily indicative of future results or values, which may be
significantly more or less favorable than such estimates. Estimates of values of companies do not purport to be appraisals nor do they necessarily reflect the prices at which companies or their securities may actually be sold. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Patrick Capital&#146;s and C&amp;C&#146;s joint opinion was based solely upon the information available to it and the economic, market,
regulatory and other circumstances, as they existed as of the date of its opinion. Events occurring after that date could materially affect the assumptions and conclusions contained in Patrick Capital&#146;s and C&amp;C&#146;s joint opinion. Patrick
Capital and C&amp;C have not undertaken to reaffirm or revise their opinion or otherwise comment upon any events occurring after the date of their opinion. Patrick Capital and C&amp;C expressed no opinion as to what the value of Horizon common stock
will be when issued to Peoples shareholders pursuant to the Merger Agreement or the prices at which Horizon and Peoples common stock may trade at any time. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Patrick Capital&#146;s and C&amp;C&#146;s joint opinion was directed to the board of directors of Horizon in connection with its
consideration of the merger and does not constitute a recommendation to any shareholder of Horizon or Peoples as to how such shareholder should vote at any meeting of shareholders called to consider and vote upon the
</B></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">55 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>
merger. Patrick Capital&#146;s and C&amp;C&#146;s joint opinion is directed only to the fairness, from a financial point of view, of the merger consideration to Horizon and does not address the
underlying business decision of Horizon to engage in the merger, the relative merits of the merger as compared to any other alternative business strategies that might exist for Horizon or the effect of any other transaction in which Horizon might
engage. Patrick Capital&#146;s and C&amp;C&#146;s joint opinion was approved by Patrick Capital&#146;s and C&amp;C&#146;s fairness opinion committees. Patrick Capital and C&amp;C have consented to inclusion of their joint opinion and a summary
thereof in this joint proxy statement/prospectus and in the registration statement on Form S-4 which includes this joint proxy statement/prospectus. Patrick Capital and C&amp;C did not express any opinion as to the fairness of the amount or nature
of the consideration to be received in the merger by any Horizon or Peoples officer, director, or employee, or class of such persons, relative to the consideration to be received in the merger by any other shareholders. </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The following is a summary of the material analyses and procedures performed by Patrick Capital and C&amp;C in the course of arriving at its
opinion. The following summary does not purport to be a complete description of the analyses and procedures performed by Patrick Capital and C&amp;C in the course of arriving at their joint opinion. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I>Summary of Proposal. </I>Patrick Capital and C&amp;C reviewed the financial terms of the proposed transaction. Using the fixed exchange
ratio of 0.95 multiplied by Horizon&#146;s stock price for the Transaction ($22.88 &#150; Average of the closing price of Horizon common stock for the ten trading days ending February&nbsp;12, 2015) plus $9.75 in cash, Patrick Capital and C&amp;C
calculated a transaction value of $31.48 per share, or an aggregate transaction value of $72.8 million. Based upon financial information for Peoples as or for the quarter ended December&nbsp;31, 2014, Patrick Capital and C&amp;C calculated the
following transaction ratios: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="92%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" ALIGN="center">


<TR>
<TD WIDTH="69%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Price/</B><br><B>Earnings*</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Price/</B><br><B>Book</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Price/</B><br><B>Tangible</B><br><B>Book</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Deposit</B><br><B>Premium</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">As of February&nbsp;12, 2015 ($22.04 5 day Avg.)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21.3x</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">118.7</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">123.4</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.3</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">*</TD>
<TD ALIGN="left" VALIGN="top">Transaction value as of February&nbsp;12, 2015 divided by LTM Earnings Per Share </TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I>Comparable Company Analysis. </I>Patrick Capital and C&amp;C used publicly available information to perform a comparison of selected
financial and market trading information for Peoples and Horizon.<I> </I></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Peoples peer group consisted of select banks and thrifts
with assets between $400 million and $ 600&nbsp;million headquartered in Indiana. The peer groups were comprised of twelve institutions and were selected based on size of the institution and market place geography. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The analysis compared publicly available financial information for Peoples and the median financial data for the Peoples peer group as of and
for the last twelve months ended December&nbsp;31, 2014. The table below sets forth the data for Peoples and the median data for the Peoples peer group as of and for the last twelve months ended December&nbsp;31, 2014. </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="92%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="67%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>ROAA</B><br><B>LTM</B><br><B>(%)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>ROAE</B><br><B>LTM</B><br><B>(%)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Net</B><br><B>Interest</B><br><B>Margin</B><br><B>LTM</B><br><B>(%)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Efficiency</B><br><B>Ratio</B><br><B>LTM</B><br><B>(%)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Tang.</B><br><B>CE/</B><br><B>Tang.</B><br><B>Assets</B><br><B>Ratio</B><br><B>(%)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Minimum</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.33</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.61</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.81</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">60.01</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.45</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Median</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.84</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.23</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.62</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">68.46</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.66</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Average</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.82</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.84</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.55</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">69.62</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.96</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Maximum</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.14</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11.82</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.07</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">80.42</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14.46</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Peoples Bancorp, Inc.</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.58</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.51</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">80.25</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12.18</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Patrick Capital and C&amp;C created a peer group for Horizon. It consisted of the following publicly traded
commercial banks and thrifts. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">56 </P>


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


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="32%"></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Farmers National Banc Corp.</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">First Citizens Banc Corp</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">First Defiance Financial Corp.</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">First Financial Corporation</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">German American Bancorp, Inc.</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Independent Bank Corporation</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">LNB Bancorp, Inc.</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Macatawa Bank Corporation</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Mercantile Bank Corporation</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">MutualFirst Financial, Inc.</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Peoples Bancorp Inc.</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The analysis compared publicly available financial information for Horizon and the median financial and market
data for the Horizon peer group as of and for the last twelve months ended December&nbsp;31, 2014. The table below sets forth the data for Horizon and the median data for the Horizon peer group as of and for the last twelve months ended
December&nbsp;31, 2014 and using stock prices as of February&nbsp;12, 2015. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="72%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>ROAA</B><br><B>LTM</B><br><B>(%)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>ROAE</B><br><B>LTM</B><br><B>(%)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Net</B><br><B>Interest</B><br><B>Margin</B><br><B>LTM</B><br><B>(%)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Efficiency</B><br><B>Ratio</B><br><B>LTM</B><br><B>(%)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Tang.</B><br><B>CE/</B><br><B>Tang.</B><br><B>Assets</B><br><B>Ratio</B><br><B>(%)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Minimum</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.59</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6.16</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.06</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">56.77</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6.01</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Median</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.77</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.58</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.66</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">71.07</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.33</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Average</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.86</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.15</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.56</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">69.61</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.35</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Maximum</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.31</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13.21</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.08</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">79.81</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11.86</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Horizon Bancorp</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.93</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.95</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.51</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">68.66</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.32</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="67%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Assets</B><br><B>($000)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Price/</B><br><B>LTM</B><br><B>EPS</B><br><B>(x)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Price/</B><br><B>Tang.</B><br><B>Book</B><br><B>(%)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Dividend</B><br><B>Yield</B><br><B>(%)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>One<BR>Year</B><br><B>Price</B><br><B>Change</B><br><B>(%)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>YTD</B><br><B>Price</B><br><B>Change</B><br><B>(%)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Minimum</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,136,967</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12.29</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">112.54</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.68</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">-3.64</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">-8.64</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Median</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,178,952</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15.62</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">127.37</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.92</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11.40</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">-4.29</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Average</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,974,672</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15.87</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">138.17</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.01</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15.54</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">-3.71</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Maximum</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,002,485</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">23.99</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">184.38</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.90</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">60.20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.25</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Horizon Bancorp</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,076,922</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12.1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">141.5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.43</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13.41</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">-12.01</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Patrick Capital and C&amp;C also conducted a discounted dividend analysis to value Horizon&#146;s common
shares as of October&nbsp;7, 2012. Using a discounted dividend analysis, Patrick Capital and C&amp;C estimated the present value of the future dividend stream that Horizon could produce. As a basis for performing this analysis, Patrick Capital and
C&amp;C utilized certain estimated asset growth rates provided by Horizon&#146;s management, current balance sheet information and historic earnings performance for Horizon. These projections were based upon various factors and assumptions, many of
which are beyond management&#146;s control. These projections are, by their nature, forward-looking and may differ materially from actual future values or results for the reasons discussed above. Actual future values or results may be significantly
more or less favorable than suggested by those projections. In producing a range of Horizon&#146;s estimated per share value, Patrick Capital and C&amp;C utilized the following assumptions: discount rates ranging from 10% to 14%, terminal
price/earnings multiples range of 10X and 14X. Patrick Capital&#146;s and C&amp;C&#146;s analysis considered a five year period. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">57 </P>


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


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="84%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="76%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B><I>Terminal Value as a Multiple of<BR>2019 Projected Earnings</I></B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom"><B>Price / Earnings:</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">10.00 x</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">12.00 x</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">14.00 x</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><I>$</I></TD>
<TD VALIGN="bottom" ALIGN="right"><I>28.36</I></TD>
<TD NOWRAP VALIGN="bottom"><I>&nbsp;&nbsp;</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><I>$</I></TD>
<TD VALIGN="bottom" ALIGN="right"><I>34.03</I></TD>
<TD NOWRAP VALIGN="bottom"><I>&nbsp;&nbsp;</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><I>$</I></TD>
<TD VALIGN="bottom" ALIGN="right"><I>39.70</I></TD>
<TD NOWRAP VALIGN="bottom"><I>&nbsp;&nbsp;</I></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B><U>Discount Rate:</U></B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">10.0%</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">19.99</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">23.52</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">27.04</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">12.0%</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">18.35</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">21.57</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">24.79</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">14.0%</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">16.88</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">19.82</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">22.77</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I>Stock Trading History. </I>Patrick Capital and C&amp;C reviewed the history of the publicly reported
trading prices of Peoples and Horizon for a three year period ended February&nbsp;12, 2015. Patrick Capital and C&amp;C considered the history in relation to commonly used equity valuation multiples. The table below illustrates Patrick
Capital&#146;s and C&amp;C&#146;s analysis:<I> </I></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="73%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Price</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Price/</B><br><B>Book</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Price/</B><br><B>Tangible</B><br><B>Book</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Price/</B><br><B>LTM</B><br><B>Earnings</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Dividend</B><br><B>Yield</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">OTC Pink: PBNI</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">February 12, 2015</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">25.40</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">95.8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">99.5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17.2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">2014</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">24.35</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">91.8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">95.4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16.5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">2013</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">24.00</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">95.3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">99.3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21.6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">2012</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">20.00</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">75.8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">78.7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15.9</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">2011</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">16.49</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">65.7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">68.3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.9</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">2010</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">14.50</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">59.8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">62.3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11.3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5.2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">2009</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">12.32</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">54.0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">56.1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6.2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">2008</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">10.05</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">48.9</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">51.0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">2007</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">14.85</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">74.4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">77.3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16.7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5.1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">NASDAQ: HBNC</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">February 12, 2015</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">23.00</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">116.5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">141.5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12.1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">2014</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">26.14</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">135.8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">166.0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14.2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">2013</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">25.33</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">144.6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">170.9</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11.1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">2012</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">19.65</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">118.1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">141.9</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.9</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">2011</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">11.55</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">80.7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">87.6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">2010</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">11.82</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">91.2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">100.4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">2009</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">7.21</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">59.2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">64.5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6.6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">2008</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">5.56</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">53.4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">59.5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5.4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">2007</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">11.40</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">121.5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">137.7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.9</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I>Discounted Dividend Analysis. </I>Using a discounted dividend analysis, Patrick Capital and C&amp;C
estimated the present value of the future dividend stream that Peoples could produce. As a basis for performing this analysis, Patrick Capital and C&amp;C utilized certain earnings per share estimates and growth rates provided by Peoples&#146;
management. These projections were developed during Horizon&#146;s due diligence review of Peoples. These projections were based upon various factors and assumptions, many of which are beyond management&#146;s control. These projections are, by
their nature, forward-looking and may differ materially from actual future values or results for the reasons discussed above. Actual future values <I> </I></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">58 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
or results may be significantly more or less favorable than suggested by those projections. In producing a range of Peoples&#146; estimated per share value, Patrick Capital and C&amp;C utilized
the following assumptions: discount rates ranging from 10% to 14%, terminal price/earnings multiples range of 12x to 14x (which, when applied to terminal year of 2019 estimated earnings, produced values which approximate the net present value of the
dividends in perpetuity, given certain assumptions regarding growth rates and discount rates) and earnings that include estimated savings in Peoples&#146; non-interest expense equal to 37% in year one following the merger. This estimate of potential
cost savings was the result of Horizon&#146;s diligence review of Peoples&#146; corporate operations. The discounted dividend analysis produced the range of net present values per share of Peoples&#146; common stock illustrated in the table below:
</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="84%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="76%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B><I>Terminal Value as a Multiple of<BR>2019 Projected Earnings</I></B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom"><B>Price / Earnings:</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">12.00 x</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">14.00 x</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">16.00 x</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><I>$</I></TD>
<TD VALIGN="bottom" ALIGN="right"><I>24.81</I></TD>
<TD NOWRAP VALIGN="bottom"><I>&nbsp;&nbsp;</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><I>$</I></TD>
<TD VALIGN="bottom" ALIGN="right"><I>28.94</I></TD>
<TD NOWRAP VALIGN="bottom"><I>&nbsp;&nbsp;</I></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><I>$</I></TD>
<TD VALIGN="bottom" ALIGN="right"><I>33.07</I></TD>
<TD NOWRAP VALIGN="bottom"><I>&nbsp;&nbsp;</I></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B><U>Discount Rate:</U></B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">10.0%</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">18.44</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">21.00</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">23.57</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">12.0%</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">16.96</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>$</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>19.31</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">21.65</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">14.0%</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">15.63</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">17.78</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">19.92</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="84%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="76%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom"><B>With Transaction Synergies</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B><I>Terminal Value as a Multiple of<BR>2019 Projected Earnings</I></B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom"><B>Price / Earnings:</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">10.00 x</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">12.00 x</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">14.00 x</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B><U>Discount Rate:</U></B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">10.0%</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">37.69</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">41.90</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">46.10</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">12.0%</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">35.36</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">39.20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">43.05</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">14.0%</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">33.25</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">36.77</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">40.29</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">These analyses do not purport to be indicative of actual values or expected values or an appraisal range of
the shares of Peoples&#146; common stock. The discounted dividend analysis is a widely used valuation methodology, but Patrick Capital and C&amp;C noted that it relies on numerous assumptions, including expense savings levels, dividend payout rates,
terminal values and discount rates, the future values of which may be significantly more or less than such assumptions. Any variation from these assumptions would likely produce different results. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I>Analysis of Selected Regional Transactions. </I>Patrick Capital and C&amp;C reviewed the terms of merger transactions announced from
January&nbsp;1, 2014 through February&nbsp;12, 2015 involving banks and thrifts where the acquired institution was based in Indiana, Ohio and Michigan. Patrick Capital and C&amp;C deemed these transactions to be reflective of the proposed Horizon
and Peoples transaction. Patrick Capital and C&amp;C reviewed the following ratios and multiples: deal value, transaction price to last twelve months earnings per share, transaction price to stated book value, transaction price to stated tangible
book value, transaction price to assets. As illustrated in the following table, Patrick Capital and C&amp;C compared the proposed merger multiples to the median multiples of the comparable transactions. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">59 </P>


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


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="51%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="47%"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE="border-bottom:1.00pt solid #000000; width:39.45pt; font-size:10pt; font-family:Times New Roman"><B>Acquiror</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-bottom:1.00pt solid #000000; width:28.90pt; font-size:10pt; font-family:Times New Roman"><B>Target</B></P></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Farmers National Banc Corp.</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">National Bancshares Corp.</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Chemical Financial Corp.</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">Lake Michigan Financial Corp.</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Northwest Bancshares, Inc.</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">LNB Bancorp Inc.</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Chemical Financial Corp.</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">Monarch Community Bancorp Inc.</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Peoples Bancorp Inc.</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">NB&amp;T Financial Group Inc.</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Old National Bancorp</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">Founders Financial Corp.</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">First Merchants Corp.</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">Community Bancshares Inc.</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Old National Bancorp</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">LSB Financial Corp.</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">MainSource Financial Group</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">MBT Bancorp</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Peoples Bancorp Inc.</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">Ohio Heritage Bancorp Inc.</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Chemical Financial Corp.</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">Northwestern Bancorp</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Old National Bancorp</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">United Bancorp Inc.</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">First Financial Bancorp</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">Insight Bank</TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="62%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Target</B><br><B>Assets</B><br><B>($000)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Value</B><br><B>($M)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Price/</B><br><B>Book</B><br><B>(%)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Price/</B><br><B>Tang.<BR>Book</B><br><B>(%)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Price/</B><br><B>LTM</B><br><B>Earnings</B><br><B>(x)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Deposit</B><br><B>Premium</B><br><B>(%)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Minimum</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">188,807</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">26.01</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">126.2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">126.2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11.7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Median</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">497,581</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">79.32</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">152.0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">155.0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">23.3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Average</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">600,821</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">94.27</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">162.4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">167.8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18.5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Maximum</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,241,099</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">185.69</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">217.9</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">217.9</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">27.3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17.6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="4"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Horizon/Peoples</B></P></TD>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>&nbsp;&nbsp;</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>72.80</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>118.7</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>123.4</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>21.3</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" ALIGN="right"><B>4.3</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;&nbsp;</B></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I>Financial Impact Analysis. </I>Patrick Capital and C&amp;C analyzed certain potential pro forma effects of
the merger, assuming the following: (1)&nbsp;the merger is completed at the end of the second quarter of 2015; (2)&nbsp;management of People prepared earnings projections for the years ending December&nbsp;31, 2015 through 2016 as adjusted by
Horizon&#146;s management as a result of their diligence review of Peoples; (3)&nbsp;certain purchase accounting adjustments, including a credit mark against Peoples&#146; loan portfolio, and additional marks on securities, borrowings, and time
deposits which were also the result of Horizon&#146;s due diligence review; (4)&nbsp;Horizon estimated cost savings of 37% of Peoples&#146; annual operating expenses; and (5)&nbsp;certain other assumptions pertaining to costs and expenses associated
with the transaction, intangible amortization, opportunity cost of cash and other items. <I> </I></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">For each of the years 2015 and 2016,
Patrick Capital and C&amp;C compared the earnings per share of Horizon common stock to the EPS, on the basis of accounting principles generally accepted in the United States (&#147;GAAP&#148;), of the combined company common stock using the
foregoing assumptions. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The following table sets forth the results of the analysis: </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="68%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="76%"></TD>
<TD VALIGN="bottom" WIDTH="20%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>GAAP&nbsp;Basis&nbsp;Accretion</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">2015 Estimated EPS</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.00</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">2016 Estimated EPS</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.10</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The analyses indicated that the merger would be neutral to Horizon&#146;s projected 2015 earnings per share
and accretive to 2016 earnings per share. The actual results achieved by the combined company may vary from projected results and the variations may be material. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">60 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Patrick Capital and C&amp;C compared the estimated tangible book value (&#147;TBV&#148;) per
share of Horizon to the estimated pro forma tangible book value of the combined company using the foregoing assumptions. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The following
table sets forth the results of the analysis: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="68%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="83%"></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>TBV&nbsp;Per&nbsp;Share</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">HBNC Stand Alone</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">16.96</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Pro Forma</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">16.30</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">With regard to Patrick&#146;s and C&amp;C&#146;s services in connection with the merger, Horizon will pay an
advisory fee equal to $275,000.00, a significant portion of which is contingent upon the consummation of the merger. In addition, Horizon has agreed to reimburse Patrick Capital and C&amp;C for their reasonable out-of-pocket expenses, including the
fees and disbursements of Patrick Capital and C&amp;C&#146;s legal counsel. Horizon has also agreed to indemnify Patrick Capital and C&amp;C and related persons against certain liabilities, including liabilities under federal securities law,
incurred in connection with their services. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">For the three years preceding the date of their joint opinion delivered to the board of
directors of Horizon, Patrick Capital and C&amp;C have been retained by Horizon to evaluate certain acquisition opportunities, including Horizon&#146;s acquisition of SCB Bancorp in April of 2014. Patrick Capital and C&amp;C have not been retained
by Peoples for investment banking services in the same three year time frame. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">61 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>THE MERGER <A NAME="tx915197_61"></A>AGREEMENT </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I>The following is a summary of the material provisions of the Merger Agreement. This summary is qualified in its entirety by reference to
the Merger Agreement, a copy of which is attached as <U>Appendix A</U> to this document and is incorporated into this document by reference. You should read the Merger Agreement in its entirety, as it is the legal document governing the merger.
</I></P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Structure of t<A NAME="tx915197_62"></A>he Merger </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Subject to the terms and conditions of the Merger Agreement, at the completion of the merger, Peoples will merge with and into Horizon, with
Horizon as the surviving corporation of such merger. The separate existence of Peoples will terminate. The shares of Horizon common stock will continue to be listed on the NASDAQ Global Select Market under the symbol &#147;HBNC.&#148; Simultaneously
with the merger, Peoples Bank will be merged with and into Horizon Bank, a wholly owned subsidiary of Horizon. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Under the Merger
Agreement, the executive officers and directors of Horizon and Horizon Bank serving at the effective time of the merger will continue to serve as such after the merger is consummated. In addition, upon the consummation of the merger, Maurice F.
Winkler, III, Peoples&#146; Chief Executive Officer and President, will be appointed to the boards of directors of Horizon and Horizon Bank, effective as of the closing. With respect to Mr.&nbsp;Winkler&#146;s service on the Horizon board of
directors, his term will expire at the 2018 annual meeting of Horizon&#146;s shareholders. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Merger Consider<A NAME="tx915197_63"></A>ation </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If the merger is completed, each share of Peoples common stock issued and outstanding immediately prior to the effective time of the merger
(other than dissenting shares, shares held as treasury stock of Peoples, and shares held by Horizon) will be converted into the right to receive 0.95 shares of Horizon common stock (which we refer to as the &#147;exchange ratio&#148;) and $9.75 in
cash, subject to adjustment as provided below (as adjusted, the &#147;merger consideration&#148;); provided, however, that Peoples shareholders owning of record and/or beneficially fewer than 100 shares of Peoples common stock as of the effective
time will only be entitled to receive $33.14 per share in cash and will not be entitled to receive any Horizon common stock. No fractional shares of Horizon common stock will be issued in the merger. Instead, Horizon will pay to each holder of
Peoples common stock who otherwise would be entitled to a fractional share of Horizon common stock an amount in cash (without interest) determined by multiplying such fraction by the average per share closing price of a share of Horizon common stock
as quoted on the NASDAQ Global Select Market during the fifteen consecutive trading days immediately preceding the second business day prior to the closing of the merger on which such shares were actually traded. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The exchange ratio is subject to adjustment as follows: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><I>Anti-Dilution Adjustments</I>. If prior to the effective time of the merger, Horizon changes the number of shares of Horizon common stock outstanding by way of a stock split, stock dividend, or similar transaction,
or if Horizon establishes a record date for such a change, the exchange ratio will be adjusted so that the holders of Peoples common stock receive at the effective time, in the aggregate, the number of shares of Horizon common stock representing the
same percentage of the outstanding shares of Horizon common stock that they would have received if such change had not occurred. </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><I>Decrease in Market Price of Horizon Common Stock. </I>Peoples may terminate the Merger Agreement if, at any time during the five-day period commencing on the first date on which all bank regulatory approvals (and
waivers, if applicable) and all other approvals and consents necessary for consummation of the merger have been received (disregarding any waiting period) (the &#147;determination date&#148;), with such termination to be effective on the tenth day
following such determination date, only if both of the following conditions are satisfied: </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the average of the daily closing price of Horizon common stock as reported on the NASDAQ Global Select Market for the fifteen consecutive trading days immediately preceding the determination date on which shares of
Horizon common stock actually traded is less than $19.57; and </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the percentage decrease in the stock price of Horizon from Horizon&#146;s closing stock price on the date of the Merger Agreement is more than 15% greater than the percentage decrease in the SNL Midwest Bank Index
during the same period. </TD></TR></TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:8%; font-size:10pt; font-family:Times New Roman">If Peoples elects to exercise its termination right as described above, Horizon may elect to avoid
termination of the Merger Agreement by increasing the exchange ratio to the lesser of the amounts determined pursuant to the </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">62 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:8%; font-size:10pt; font-family:Times New Roman">
following formula: (i)&nbsp;a quotient, the numerator of which is equal to the product of the $23.02 (the initial Horizon market value), the exchange ratio (as then in effect), and the average
daily closing value of the SNL Midwest Bank Index for the fifteen consecutive trading days immediately preceding the determination date divided by the closing value of the SNL Midwest Bank Index on February&nbsp;18, 2015, minus 0.15, and the
denominator of which is equal to Horizon market value on the determination date; or (ii)&nbsp;the quotient determined by dividing $23.02 by the closing price for Horizon&#146;s common stock for the fifteen consecutive trading days immediately
preceding the determination date, and multiplying the quotient by the product of the exchange ratio (as then in effect) and 0.85. Since the formula is dependent on the future price of Horizon&#146;s common stock and that of the SNL Midwest Bank
Index, it is not possible to determine at this time if the merger consideration will be adjusted pursuant to the foregoing provisions or what any such adjusted merger consideration would be. However, in general, more shares of Horizon common stock
would be issued, to take into account the extent by which the average price of Horizon&#146;s common stock exceeded the decline in the average price of the common stock of the index group. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Voting A<A NAME="tx915197_64"></A>greements </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">As of the record date of the Peoples&#146; Special Meeting, the directors of Peoples owned 83,518 shares or approximately 3.61% of the
2,311,858 outstanding shares of Peoples common stock. In connection with the execution of the Merger Agreement, the directors of Peoples each executed a voting agreement pursuant to which they agreed to vote their 83,498 shares or 3.6% of
Peoples&#146; outstanding shares in favor of the merger. A copy of that voting agreement is attached as <U>Appendix D</U> to this joint proxy statement/prospectus. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Treatment <A NAME="tx915197_65"></A>of Peoples&#146; 401(k) Plan </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Peoples Bancorp Employees&#146; Savings&nbsp;&amp; Profit Sharing Plan and Trust (referred to as the &#147;Peoples 401(k) Plan&#148;) will
be terminated prior to the effective time of the merger. Participants whose employment is not terminated will not have a right to a distribution of their 401(k) plan benefits until a favorable determination letter is received from the IRS with
respect to the Peoples 401(k) Plan&#146;s qualified status at the time of termination. Participants with outstanding plan loans under the Peoples 401(k) Plan as of the effective time will be permitted to continue repaying such outstanding loans
(subject to the terms and conditions of such plan and the related loan procedures) on and after the effective time and until such time as plan termination distributions are paid. At such time as the loans are required to be repaid or will be taxed
to the borrower if not repaid, Peoples Bank or Horizon Bank (as successor-in-interest), as the case may be, will cause loans to be made, outside of any tax-qualified retirement plan, to those Peoples Bank employees who had loans outstanding under
the Peoples 401(k) Plan as of the loan repayment date, in an amount not to exceed the outstanding loan balance as of such date; <I>provided that</I>, such employee completes any necessary documentation and qualifies for such loan under the
applicable loan policies and underwriting standards of Peoples Bank. Each refinancing loan will have a fixed interest rate not to exceed 4%&nbsp;per annum and will have an amortization period not to exceed the remaining term of the plan loan. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Exchange and Payment Procedure<A NAME="tx915197_66"></A>s </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">At and after the effective time of the merger, each certificate representing shares of Peoples common stock (other than dissenting shares) will
represent only the right to receive the merger consideration in accordance with the terms of the Merger Agreement. Horizon will reserve a sufficient number of shares of Horizon common stock to be issued as the part of the merger consideration to be
paid in shares of Horizon common stock. Promptly after the effective time of the merger, but in no event more than five business days after the effective time, Horizon will mail a letter of transmittal to each holder of Peoples common stock that
will include detailed instructions on how such holder may exchange such holder&#146;s Peoples common shares for the merger consideration. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Horizon will cause a certificate representing the number of whole shares of Horizon common stock that each holder of Peoples common stock
owning 100 or more shares of Peoples common stock has the right to receive and a check in the aggregate amount of $9.75 per share plus any cash that such holder has the right to receive in lieu of a fractional share of Horizon common stock to be
delivered to such shareholder upon delivery to Horizon of certificates representing such shares of Peoples common stock and a properly completed letter of transmittal. Beneficial owners and/or holders of record of fewer than 100 shares will receive
cash equal to $33.14 per share upon delivery to Horizon of certificates representing such shares and a properly completed letter of transmittal. No interest will be paid on any merger consideration that any such holder shall be entitled to receive.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">No dividends or other distributions on Horizon common stock with a record date occurring after the effective time of the merger will be
paid to the holder of any unsurrendered old certificate representing shares of Peoples common stock </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">63 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
converted into the right to receive the merger consideration until the holder surrenders such old certificate in accordance with the Merger Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The stock transfer books of Peoples will be closed immediately at the effective time of the merger, and after the effective time, there will
be no transfers on the stock transfer records of Peoples of any shares of Peoples common stock. Horizon will be entitled to rely on Peoples&#146; stock transfer books to establish the identity of those persons entitled to receive merger
consideration. In the event of a dispute with respect to ownership of stock represented by any old certificate of Peoples common stock, then Horizon will be entitled to deposit any merger consideration represented by the old certificate in escrow
with an independent third party selected by Horizon. If any old certificate is lost, stolen, or destroyed, upon the making of an affidavit of that fact by the person claiming such old certificate to be lost, stolen, or destroyed and, if required by
Horizon, the posting by such person of a bond or other indemnity as Horizon may reasonably direct as indemnity against any claim that may be made with respect to the old certificate, Horizon will issue the merger consideration in exchange for such
lost, stolen, or destroyed certificate. All shares of Peoples common stock held as treasury stock or owned by Horizon will be cancelled and will cease to exist, and no stock of Horizon or other consideration will be exchanged for such stock. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Dividends and Distribution<A NAME="tx915197_67"></A>s </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Until Peoples common stock certificates are surrendered for exchange, any dividends or other distributions declared after the effective time of
the merger with respect to Horizon common shares into which shares of Peoples common stock may have been converted will accrue but will not be paid. When such certificates have been duly surrendered, Horizon will pay any unpaid dividends or other
distributions, without interest. After the effective time of the merger, there will be no transfers on the stock transfer books of Peoples of any shares of Peoples common stock. When certificates representing shares of Peoples common stock are
presented for transfer after the completion of the merger, they will be cancelled and exchanged for the merger consideration. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Representatio<A NAME="tx915197_68">
</A>ns and Warranties </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Merger Agreement contains representations and warranties of Peoples, on the one hand, and Horizon, on the
other hand, to each other, as to, among other things, the following: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the corporate organization and existence of each party; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the authority of each party to enter into the Merger Agreement, perform its obligations under the Merger Agreement, and make it valid and binding; </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the fact that the Merger Agreement does not conflict with or violate: </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="14%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the articles of incorporation and bylaws of each party; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="14%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">applicable law; and </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="14%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">agreements, instruments or obligations of each party; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the capitalization of Peoples and Horizon; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">each party&#146;s compliance with applicable law; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the accuracy of statements made and materials provided by each party; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the absence of undisclosed obligations or liabilities; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">financial statements and reports; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the adequacy of its loan loss reserves; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the filing and accuracy of tax returns; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">litigation and pending proceedings; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">each party&#146;s deposit insurance; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Securities and Exchange Commission filings (with respect to Horizon only); </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Community Reinvestment Act; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">compliance with bank secrecy and anti-money laundering laws and regulations; and </TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">64 </P>


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


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">environmental matters. </TD></TR></TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In addition, the Merger Agreement contains representations and
warranties of Peoples to Horizon as to: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">material contracts; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the status of its loans and investments and the provisions for loan losses; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">indebtedness; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">employee benefit plans; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">obligations to employees; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">absence of certain events occurring since September&nbsp;30, 2014; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">insider transactions; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">indemnification agreements; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">shareholder approval; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">books and records; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">title to its assets; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">intellectual property; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">agreements with regulatory agencies; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">no shareholder rights plan; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">insurance; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">broker&#146;s, finder&#146;s, and other fees; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">no reason for any delays in regulatory approvals; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">internal controls; and </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">fiduciary accounts. </TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">No representations and warranties of the parties will survive the
consummation of the merger. Additionally, the parties qualified many of the representations and warranties contained in the Merger Agreement with exceptions set forth in disclosure schedules that were separately delivered by each party to the other
party to the Merger Agreement. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Conduct of Business Prior to Com<A NAME="tx915197_69"></A>pletion of the Merger </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Under the Merger Agreement, Peoples has agreed to certain restrictions on its activities until the merger is completed or terminated. In
general, Peoples and each of its subsidiaries, including Peoples Bank, is required until the effective time of the merger to: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">conduct its business diligently, substantially in the manner as it is presently being conducted, and in the ordinary course of business; </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">use commercially reasonable efforts to preserve its business organization intact, keep available the services of the present officers and employees and preserve its present relationships with customers and persons with
whom it has business dealings; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">use commercially reasonable efforts to maintain all of the properties and assets that it owns or utilizes in the operation of its business as currently conducted in good operating condition and repair, reasonable wear
and tear excepted; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">maintain its books, records, and accounts in the usual, regular, and ordinary manner, on a basis consistent with prior years and in compliance in all material respects with all statutes, laws, rules, and regulations
applicable to them and to the conduct of its business; and </TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">65 </P>


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


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">not knowingly do or fail to do anything that will cause a breach of, or default in, any contract, agreement, commitment, obligation, understanding, arrangement, lease, or license to which it is a party or by which it is
or may be subject or bound. </TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The following is a summary of the more significant restrictions imposed upon Peoples, subject
to the exceptions set forth in the Merger Agreement. Specifically, without the prior consent of Horizon, Peoples and Peoples Bank may not: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">make any change in the capitalization or the number of issued and outstanding shares of Peoples or Peoples Bank or redeem any of its outstanding shares of common stock; </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">authorize a class of stock or issue, or authorize the issuance of, securities other than or in addition to its issued and outstanding common stock as of the date of the Merger Agreement; </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">distribute or pay any dividends on its shares of common stock, or authorize a stock split, or make any other distribution to its shareholders, except that Peoples Bank may pay cash dividends to Peoples in the ordinary
course of business for payment of Peoples&#146; reasonable and necessary business and operating expenses and expenses of the merger and Peoples may pay its normal quarterly cash dividends to its shareholders which shall not be increased in per share
amount; <I>provided that, </I>no dividend may be paid for the quarter in which the merger is schedule to be consummated or actually consummated if during such period Peoples&#146; shareholders will become entitled to receive dividends on their
shares of Horizon common stock received in the merger; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">purchase or otherwise acquire any investment security for their own account that exceeds $2,000,000 individually; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">except as already committed in writing, cancel, release, or compromise any indebtedness in excess of $100,000 owing; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">amend the articles of incorporation and bylaws of Peoples or the similar organizational documents of any of its subsidiaries; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">make, renew, or otherwise modify any loan or commitment to lend money, or issue any letter of credit to any person if the loan is an existing credit on the books of Peoples or Peoples Bank and classified as &#147;Other
Loans Especially Mentioned,&#148; &#147;Substandard,&#148; &#147;Doubtful,&#148; or &#147;Loss&#148; in an amount in excess of $500,000; or make, purchase, renew, modify, or amend or extend the maturity of any commercial loan in excess of $2,000,000
(provided Peoples Bank may renew, modify, amend, or extend the maturity of existing performing commercial loans (which are not classified or non-accrual) with existing principal balances of $2,000,000 or less), any 1 to 4 family residential mortgage
loan with a loan to value in excess of 80% (unless private mortgage insurance is obtained) or any 1 to 4 family residential mortgage loan in excess of $417,000, or any loan participation except as permitted by the Merger Agreement; or
</TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">except as contemplated by the Merger Agreement, enter into any contract, agreement, lease, commitment, understanding, arrangement, or transaction, or incur any liability or obligation requiring payments by Peoples or
any of its subsidiaries that exceed $50,000, whether individually or in the aggregate or that have a term of two years or longer. </TD></TR></TABLE> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Covena<A NAME="tx915197_70">
</A>nts </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In addition to the restrictions noted above, Peoples and Horizon have agreed to take other actions, such as: </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>in the case of both Peoples and Horizon, to submit the Merger Agreement (and additionally, in the case of Horizon, the issuance of shares of Horizon common stock in the merger) to their respective shareholders at
meetings to be called and held as soon as reasonably practicable; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE="font-family:Times New Roman; font-size:10pt"><B></B>in the case of Peoples, to proceed expeditiously, cooperate fully and use commercially reasonable efforts to assist Horizon in procuring all
consents, authorizations, approvals, registrations and certificates, in completing all filings and applications and in satisfying all other requirements prescribed by law that are necessary for consummation of the merger, and to ensure that any
materials or information provided by Peoples to Horizon for use by Horizon in any filing with any state or federal regulatory agency or authority shall not contain any untrue or misleading statement of material fact or shall omit to state a material
fact </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">66 </P>


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


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="13%">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="font-family:Times New Roman; font-size:10pt">
necessary to make the statements contained therein, in light of the circumstances in which they are made, not false or misleading; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>in the case of Peoples, to use commercially reasonable efforts to obtain any required third party consents to agreements, contracts, commitments, leases, instruments and documents; </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>in the case of Peoples, to maintain insurance on its assets, properties, and operations, fidelity coverage and directors&#146; and officers&#146; liability insurance in such amounts and with regard to such
liabilities and hazards as were insured by Peoples as of the date of the Merger Agreement; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>in the case of Peoples, to continue to accrue reserves for employee benefits and merger related expenses, and to consult and cooperate in good faith with Horizon on (i)&nbsp;conforming the loan and accounting
policies and practices of Peoples to those policies and practices of Horizon for financial accounting and/or income tax reporting purposes; and (ii)&nbsp;determining the amount and timing for recognizing Peoples&#146; expenses of the merger;
</TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>in the case of Peoples, to cease and cause to be terminated any existing solicitations, discussions, or negotiations with other parties that have made or intend to make an acquisition proposal, except as
permitted by the Merger Agreement; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>to coordinate with each other prior to issuing any press releases; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>in the case of Peoples and Horizon, to supplement, amend, and update the disclosure schedules to the Merger Agreement as necessary; </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>in the case of Peoples and Horizon, to give the other party&#146;s representatives and agents, including investment bankers, attorneys, or accountants, upon reasonable notice, access during normal business hours
throughout the period prior to the effective time of the merger to the other party&#146;s properties, facilities, operations, books, and records; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>in the case of Peoples, to deliver updated financial statements; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>in the case of Peoples, to cooperate with an environmental consulting firm designated by Horizon in the conduct by such firm of a phase I environmental investigation on all real property owned or leased by
Peoples or Peoples Bank as of the date of the Merger Agreement, and any real property acquired or leased by Peoples or Peoples Bank after the date of the Merger Agreement; </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>in the case of Peoples, to deliver any reports, notices or proxy statements sent to any governmental authority, and any orders issued by any governmental authority, to the other party when available;
</TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>in the case of Peoples, to not knowingly take any action that is intended or is reasonably likely to result in (i)&nbsp;any of its representations and warranties set forth in the Merger Agreement being or
becoming untrue in any respect, (ii)&nbsp;any of the conditions to the merger not being satisfied, (iii)&nbsp;a material violation of any provision of the Merger Agreement, or (iv)&nbsp;a material delay in the consummation of the merger;
</TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>in the case of Peoples, not to create any employment contract, agreement, or understanding with or employment rights for any of the officers or employees of Peoples or Peoples Bank, or prohibit or restrict
Horizon from changing, amending, or terminating any employee benefits provided to its employees from time to time; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>in the case of Peoples, to take such actions as necessary to terminate the Peoples 401(k) Plan prior to the effective time of the merger, to file an application with the IRS for a favorable determination letter
as to such plan&#146;s qualified status upon its termination, and to thereafter distribute or otherwise transfer the account balances of participants in accordance with the applicable plan termination provisions; </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>in the case of Peoples Bank, at the effective time of the merger, to transfer its sponsorship and participation in the Pentegra Defined Benefit Plan for Financial Institutions (the &#147;Peoples Pension
Plan&#148;) to Horizon Bank, which will assume such sponsorship; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE="font-family:Times New Roman; font-size:10pt"><B></B>in the case of Peoples, to take all actions necessary to assign any Peoples group insurance policies to Horizon as of the effective time of the
merger and to provide Horizon with all necessary financial, </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">67 </P>


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


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="13%">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="font-family:Times New Roman; font-size:10pt">
enrollment, eligibility, contractual, and other information related to Peoples&#146; welfare benefit and cafeteria plans to assist Horizon in the administration of such plans after the effective
time of the merger; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>in the case of Peoples and Peoples Bank, to cooperate with Horizon to reconstitute the directors and officers of Peoples Bank to be the same as Horizon Bank and, if requested by Horizon, to amend the articles of
incorporation and bylaws of Peoples Bank effective at the time of the merger; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>in the case of Peoples, to commence immediately after the date of the Merger Agreement with transfers of information, processes, systems, and data to Horizon, and after receipt of all regulatory approvals and
prior to the closing to cooperate with the installation and conversion of equipment; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>in the case of Peoples, to provide Horizon a good faith estimate of all gross pre-tax costs incurred in connection with the termination of Peoples Bank&#146;s (or Horizon Bank&#146;s, as successor-in-interest)
participation in the Peoples Pension Plan and the final distribution of all benefits owing upon such termination; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>in the case of Peoples, prior to the effective time of the merger, to take, or cause Peoples Bank to take, all action necessary to terminate the Peoples Bank 2011 Supplemental Life Insurance Plan;
</TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>in the case of Peoples, to pay out all amounts payable pursuant to the employment agreements with Peoples and Peoples Bank dated December&nbsp;17, 2013, of (i)&nbsp;Jeffrey H. Gatton, (ii)&nbsp;Steven H. Caryer,
and (iii)&nbsp;Maurice F. Winkler, III, provided each executive enters into mutual termination of employment agreements and noncompetition agreements; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>in the case of Peoples, at or prior to the effective time of the merger, to amend that certain First Savings Bank, FSB Salary Continuation Agreement dated October&nbsp;24, 1996 with Stephen Olson in accordance
with Code Section&nbsp;409A, and to make a lump sum payment to Mr.&nbsp;Olson to satisfy any payments or benefits in connection with that agreement; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>in the case of Horizon, to file all applications and notices to obtain the necessary regulatory approvals for the transactions contemplated by the Merger Agreement; </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>in the case of Peoples and Horizon, to prepare this joint proxy statement and, in the case of Horizon, file a registration statement with the SEC covering the shares of Horizon common stock to be issued to
Peoples shareholders pursuant to the Merger Agreement; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>in the case of Horizon, to make available to the officers and employees of Peoples who continue as employees after the effective time, substantially the same employee benefits as are generally available to
Horizon employees, and to provide credit for prior service with Peoples and Peoples Bank for purposes of eligibility and vesting under Horizon&#146;s employee benefit plans; </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>in the case of Horizon, to provide severance benefits to certain employees of Peoples or Peoples Bank as of the effective time of the merger; </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>in the case of Horizon, to pay retention bonuses upon reaching certain milestones to selected employees of Peoples or Peoples Bank; </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>in the case of Horizon, assume those certain First Savings Bank, FSB Salary Continuation Agreements dated September&nbsp;18, 1996 with Messrs. Orville Poling and G. Richard Gatton, and the Retirement Benefits
Agreement dated October&nbsp;26, 2006 with Mr.&nbsp;Gatton; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>in the case of Horizon, maintain a directors&#146; and officers&#146; liability insurance policy for three years after the effective time of the merger to cover the present officers and directors of Peoples and
Peoples Bank with respect to claims against such directors and officers arising from facts or events that occurred before the effective time, and continue for six years after the effective time the indemnification and exculpation rights of the
present and former officers and directors of Peoples and Peoples Bank against all losses, expenses, claims, damages, or liabilities arising out of or pertaining to matters existing or occurring on or prior to the effective time to the same extent
then permitted under Indiana law or the articles of incorporation or bylaws of Peoples or Peoples Bank; </TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">68 </P>


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


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>in the case of Horizon, to increase the size of Horizon&#146;s and Horizon Bank&#146;s boards of directors and add Maurice F. Winkler, III as a director of each (with respect to his service on the Horizon board,
for a term expiring at Horizon&#146;s 2018 annual meeting of shareholders); </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>in the case of Horizon, to form, as soon as reasonably practical after the effective time, a Northeast Indiana advisory board and to add representatives to the advisory board from the Peoples and Peoples Bank
boards of directors and from the communities served by Peoples Bank as mutually agreed upon by Horizon and Peoples; and </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>in the case of Horizon, as soon as practicable following the effective time, to cause Horizon Bank to donate $50,000 to not-for-profit organizations in the banking markets served by Peoples Bank, and for a period
of five years match dollar-for-dollar each continuing Peoples&#146; employee&#146;s reasonable and customary donation to the United Way organization of their choice in Horizon Bank&#146;s market area. </TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Merger Agreement also contains certain additional covenants relating to employee benefits and other matters pertaining to officers and
directors. See &#147;<I>The Merger Agreement &#150; Employee Benefits and Payments</I>&#148; beginning on page &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;and &#147;<I>Interests of Certain Directors and Officers of Peoples in the
Merger</I>&#148; beginning on page &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Acquisition Proposals b<A NAME="tx915197_71"></A>y Third Parties
</B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In the Merger Agreement, Peoples agreed to immediately cease and cause to be terminated any existing solicitations, discussions, or
negotiations with other persons or entities that had made, or indicated an intention to make, a proposal to acquire Peoples. In addition, until the merger is completed or the Merger Agreement is terminated, Peoples has agreed that it, and its
officers, directors, and representatives, and those of Peoples Bank, will not: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>solicit, initiate, or knowingly encourage or facilitate, any inquiries, offers or proposals to acquire Peoples; or </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>initiate, participate in or knowingly encourage any discussions or negotiations or otherwise knowingly cooperate regarding an offer or proposal to acquire Peoples. </TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Peoples may furnish, however, information regarding Peoples to, or enter into and engage in discussion with, any person or entity in response
to a bona fide unsolicited written proposal by the person or entity relating to an acquisition proposal, or change or withhold its recommendation to Peoples&#146; shareholders prior to obtaining shareholder approval regarding the merger, if: </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>Peoples&#146; board of directors (after consultation with its financial advisors and outside legal counsel) determines in good faith that such proposal may be or could be superior to Peoples&#146; shareholders
from a financial point of view and its other constituencies than the merger, and the failure to consider such proposal would likely result in a breach of the fiduciary duties of Peoples&#146; board of directors; </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>Peoples provides any information to Horizon that it intends to provide to such third party, and only after having entered into a confidentiality agreement with such third party that contains a standstill with
customary terms; and </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>Peoples notifies Horizon that it is prepared to change or withhold its recommendation to Peoples&#146; shareholders in response to a superior proposal, and provides Horizon with the most current version of any
proposed written agreement or letter of intent relating to the superior proposal, and Horizon fails, within ten business days of such notice, to make a proposal that would, in the reasonable good faith judgment of the Peoples board of directors
(after consultation with financial advisors and outside legal counsel) cause the offer that previously constituted a superior proposal to no longer constitute a superior proposal. </TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">For purposes of the Merger Agreement, the term &#147;superior proposal&#148; means any acquisition proposal relating to Peoples or Peoples
Bank, or to which Peoples or Peoples Bank may become a party, that the Peoples board of directors determines in good faith (after having received the advice of its financial advisors) to be (i)&nbsp;materially more favorable to the shareholders of
Peoples from a financial point of view and its other constituencies than the merger (taking into account all the terms and conditions of the proposal and the Merger Agreement, including the $3,500,000 termination fee) and (ii)&nbsp;reasonably
capable of being completed without undue delay. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">69 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Cond<A NAME="tx915197_72"></A>itions to the Merger </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The obligation of Horizon and Peoples to consummate the merger is subject to the satisfaction or waiver, on or before the completion of the
merger, of a number of conditions, including: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>The Merger Agreement must receive the approval of both Horizon&#146;s and Peoples&#146; shareholders. </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>The representations and warranties made by the parties in the Merger Agreement must be true, accurate, and correct in all material respects as of the effective date of the merger. </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>Peoples and Horizon must have performed, in all material respects, all of their covenants and agreements as required by the Merger Agreement at or prior to the effective time of the merger. </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>Horizon must have registered with the SEC the shares of Horizon common stock to be issued to Peoples&#146; shareholders in the merger, and all state securities and blue sky approvals, authorizations, and
exemptions required to offer and sell such shares must have been received, the registration statement of which this joint proxy statement/prospectus is a part, must have been declared effective by the SEC and no stop order suspending the
effectiveness of the registration statement can have been issued or threatened. </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>All regulatory approvals required to consummate the transactions contemplated by the Merger Agreement must have been obtained and remain in full force and effect, all statutory waiting periods applicable to those
approvals must have expired, and none of those approvals must contain any conditions, restrictions, or requirements that Horizon&#146;s board of directors reasonably determines in good faith would either (i)&nbsp;have a material adverse effect on
Peoples, or (ii)&nbsp;reduce the benefits of the merger to such a degree that Horizon would not have entered into the Merger Agreement had such conditions, restrictions, or requirements been known. </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">For purposes of the Merger Agreement, the term &#147;material adverse effect&#148; means any effect that is material and adverse to the results of operations, properties, assets, liabilities, conditions (financial or
otherwise), value, or business of Peoples and its subsidiaries, on a consolidated basis, or Horizon and its subsidiaries, on a consolidated basis, or that would materially impair the ability of Peoples or Horizon to perform its obligations under the
Merger Agreement or otherwise materially threaten or impede the consummation of the merger and the other transactions contemplated by the Merger Agreement. However, a &#147;material adverse effect&#148; does not include the impact of:
</TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="14%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>changes in banking and similar laws of general applicability to banks or their holding companies or interpretations of such laws by courts or governmental authorities; </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="14%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>changes in generally accepted accounting principles or regulatory accounting requirements applicable to banks or their holding companies generally; </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="14%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>effects of any action or omission taken by Peoples with the prior written consent of Horizon or at the direction of Horizon; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="14%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>changes resulting from professional expenses (such as legal, accounting, and investment bankers&#146; fees) incurred in connection with the Merger Agreement or the transactions contemplated by the Merger
Agreement; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="14%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>the impact of the announcement of the Merger Agreement and the transactions contemplated by the Merger Agreement, and compliance with the Merger Agreement on the business, financial condition, or results of
operations of Peoples and its subsidiaries or Horizon and its subsidiaries; and </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="14%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>the occurrence of any military or terrorist attack within the United States or any of its possessions or offices. </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>The boards of directors of Horizon and Peoples must have received an opinion from Barnes&nbsp;&amp; Thornburg LLP that the merger constitutes a tax free &#147;reorganization&#148; for purposes of Section&nbsp;368
of the Code. </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>The shares of Horizon common stock to be issued to Peoples shareholders must have been approved for listing on the NASDAQ Global Select Market, subject to official notice of issuance. </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE="font-family:Times New Roman; font-size:10pt"><B></B>None of Horizon, Peoples, or Peoples Bank, or any of Horizon&#146;s subsidiaries must be subject to any statute, rule, regulation, injunction,
order, or decree which prohibits, prevents, or makes illegal the completion of </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">70 </P>


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


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="13%">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="font-family:Times New Roman; font-size:10pt">
the merger, and no material claim, litigation, or proceeding shall have been initiated or threatened relating to the Merger Agreement or the merger. </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>Each of Horizon and Peoples must have received from the other at the closing of the merger all the items, documents, consents, and other closing deliveries, in form and content reasonably satisfactory to the
recipient, required by the Merger Agreement. </TD></TR></TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The obligation of Horizon to consummate the merger also is subject to the
fulfillment of other conditions, including: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>The total number of Peoples&#146; dissenting shares shall be no greater than 5% of the number of shares of Peoples common stock outstanding as of the date of the Merger Agreement; </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>As of the end of the month prior to the effective time of the merger, Peoples&#146; adjusted consolidated shareholders&#146; equity, as defined in the Merger Agreement, shall not be less than $58,000,000;
</TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>Peoples shall have provided notice of termination to FiServ with respect to that certain Master Agreement, dated October&nbsp;31, 2013, between Peoples Bank and FiServ; </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>The Peoples employees specified in the Merger Agreement shall have executed and delivered mutual termination of employment agreements and noncompetition agreements; </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>Peoples shall have obtained all required third party consents under material contracts or agreements; and </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>Horizon Bank shall have entered into an employment agreement with Jeffrey H. Gatton; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>Horizon must have received a letter of tax advice, in a form satisfactory to Horizon, from Peoples&#146; outside, independent certified public accountants to the effect that any amounts that are paid by Peoples
or Peoples Bank before the effective time of the merger, or required under Peoples&#146; employee benefit plans or the Merger Agreement to be paid at or after the effective time, to persons who are &#147;disqualified individuals&#148; under
Section&nbsp;280G of the Code with respect to Peoples, Peoples Bank, or their successors, and that otherwise should be allowable as deductions for federal income tax purposes, should not be disallowed as deductions for such purposes by reason of
Section&nbsp;280G of the Code. </TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The obligation of Peoples to consummate the merger is also subject to the fulfillment of
other conditions, including that Peoples must have received a written opinion from its financial advisor, KBW, dated as of the date of the meeting of Peoples&#146; board of directors at which the Merger Agreement was approved, that the merger
consideration is fair to Peoples&#146; shareholders from a financial point of view. This condition has been satisfied. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Exp<A NAME="tx915197_73"></A>enses </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Except as otherwise provided in the Merger Agreement, Peoples and Horizon will be responsible for their respective expenses incidental to the
merger. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Employee Benefits an<A NAME="tx915197_74"></A>d Payments </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Merger Agreement requires Horizon to make available to the officers and employees of Peoples and its subsidiaries who continue as employees
of Horizon or any subsidiary substantially the same employee benefits as are generally available to all Horizon employees. Those officers and employees also will receive credit for prior service with Peoples and its subsidiaries for purposes of
eligibility and vesting (but not benefit accrual) under the employee benefit plans of Horizon and its subsidiaries. If Horizon determines that a Peoples benefit plan should be terminated, continuing employees will become eligible to participate in
Horizon&#146;s employee benefit plans as soon as reasonably practicable after the termination of the Peoples benefit plan. Horizon will take all necessary steps to: (i)&nbsp;waive waiting period and preexisting condition provisions for continuing
employees under health and dental plans; and (ii)&nbsp;to the extent the initial period of coverage for continuing employees under any such Horizon employee benefit plan is not a full twelve-month period of coverage, Horizon will give such employees
credit under such plans for any deductibles and coinsurance payments. With respect to vacation and paid time off, continuing employees will be subject to the terms and conditions of Horizon&#146;s vacation and paid time off policies in place for
similarly situated employees of Horizon, with credit given for all prior years of service with Peoples and its subsidiaries for the purposes of determining vacation pay eligibility and the amount of vacation pay. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Other than with respect to Jeffrey H. Gatton, Steven H. Caryer, and Maurice F. Winkler, III, employees of Peoples and its subsidiaries who are
still employed by Peoples at the effective time of the merger and who will not continue as employees of Horizon, or who continue with Horizon but are terminated other than for cause within twelve months after the effective time, will be entitled to
severance pay equal to one week&#146;s pay at their base rate for each full year of continuous </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">71 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
service with Peoples or Peoples Bank, subject to a minimum of four weeks and a maximum of twenty-six weeks. Also, those terminated employees will be entitled to continuation coverage under group
health plans as required by COBRA and to professional career counseling services. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Prior to the effective time, Peoples will, or cause
Peoples Bank to, take all action necessary to terminate in accordance with the terms and conditions thereof and without resulting liability to Horizon or any of its affiliates, the Peoples Bank 2011 Supplemental Life Insurance Plan. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In addition, Peoples will pay out, in a lump sum no later than the effective time of the merger, all amounts payable pursuant to the
employment agreements with Peoples and Peoples Bank dated December&nbsp;17, 2013, of (1)&nbsp;Jeffrey H. Gatton, (2)&nbsp;Steven H. Caryer, and (3)&nbsp;Maurice F. Winkler, III, as if the change in control payments contemplated by those employment
agreements had been triggered by the merger, provided that Messrs. Winkler, Caryer, and Gatton enter into mutual termination of employment agreements in the form attached to the Merger Agreement, and provided further that Messrs. Winkler and Caryer
enter into noncompetition agreements in the forms attached to the Merger Agreement, and Mr.&nbsp;Gatton enters into an employment agreement with Horizon Bank in the form attached to the Merger Agreement. Messrs. Winkler and Caryer have already
entered into noncompetition agreements with Horizon, effective at the closing of the merger. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Horizon also will assume (i)&nbsp;that
certain First Savings Bank, FSB Salary Continuation Agreement dated September&nbsp;18, 1996, with Orville Poling, and (ii)&nbsp;that certain First Savings Bank, FSB Salary Continuation Agreement dated September&nbsp;18, 1996, and Retirement Benefits
Agreement dated October&nbsp;26, 2006, each with G. Richard Gatton. Additionally, at or prior to the effective time, Peoples will, or cause Peoples Bank to, take all action to amend, consistent with the requirements of Code Section&nbsp;409A and its
regulations, that certain First Savings Bank, FSB Deferred Fee Agreement dated October&nbsp;24, 1996 with Stephen Olson, to provide for a lump sum payment to be made at or prior to the effective time in full satisfaction of any payments or benefits
due thereunder. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Within 21 days after the closing date, Peoples will deliver to Horizon a good faith estimate, as of the date of delivery,
of the pension plan termination costs of the Peoples&#146; Pension Plan, and such estimate shall be prepared by Pentegra in a commercially reasonable manner consistent with prior estimates requested by Peoples. If the pension plan termination costs
are greater than $6,900,000, Horizon will reduce the cash consideration by the amount by which such costs exceed $6,900,000. For purposes of the Merger Agreement, &#147;pension plan termination costs&#148; means all gross pre-tax costs incurred in
connection with the termination of People&#146;s, or Horizon&#146;s, as successor to Peoples, participation in the Peoples&#146; Pension Plan and final distribution, whether through the purchase of annuities or otherwise, of all benefits due and
owing upon such termination. Peoples last received an estimate of the costs of terminating the Peoples&#146; Pension Plan as of June&nbsp;30, 2014, which costs totaled $4,913,000. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Horizon also will authorize the payment of and pay retention bonuses upon reaching certain milestones to selected employees of Peoples and
Peoples Bank identified by Horizon and Peoples, in amounts to be agreed upon by Peoples and Horizon. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Termina<A NAME="tx915197_75"></A>tion </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Subject to conditions and circumstances described in the Merger Agreement, either Horizon or Peoples may terminate the Merger Agreement if,
among other things, any of the following occur: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>Peoples&#146; shareholders do not approve the Merger Agreement at the Peoples Special Meeting or the Horizon shareholders do not approve the Merger Agreement at the Horizon Annual Meeting; </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>any governmental authority has issued an order, decree, judgment or injunction that permanently restrains, enjoins or otherwise prohibits or makes illegal the consummation of the merger, and such order has become
final and non-appealable, or if any consent or approval of a governmental authority whose consent or approval is required to consummate the merger has been denied, or any application, filing, or notice for a regulatory approval has been withdrawn at
the request or recommendation of the applicable governmental authority; <I>provided that</I>, the right to terminate the Merger Agreement under these provisions will not be available to a party whose failure to fulfill any of its obligations under
the Merger Agreement has been the cause of any event described in this paragraph; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>the merger has not been consummated by December&nbsp;31, 2015 (provided the terminating party did not cause the failure of the merger to be consummated by that date); or </TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">72 </P>


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


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>the respective boards of directors of Horizon and Peoples mutually agree to terminate the Merger Agreement. </TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Additionally, Horizon may terminate the Merger Agreement at any time prior to the effective time of the merger if any of the following occur:
</P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>any event has occurred that is not capable of being cured prior to December&nbsp;31, 2015 and would result in a condition to Horizon&#146;s obligations to consummate the merger not being satisfied;
</TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>Peoples breaches or fails to perform any of its representations, warranties, or covenants contained in the Merger Agreement and that breach or failure to perform would give rise to the failure of a condition to
the merger, and such condition is not capable of being cured by December&nbsp;31, 2015, or has not been cured by Peoples within 20 business days after Peoples&#146; receipt of written notice of such breach from Horizon; </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>Any single event, change, condition, circumstance or state of facts, or aggregation of events, changes, conditions, circumstance or state of facts, that has or is reasonably expected to have individually, or in
the aggregate, a material adverse effect on Peoples, whether or not covered by insurance; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>Horizon elects to exercise its right of termination pursuant to the Merger Agreement because unpermitted exceptions to title insurance policies covering Peoples&#146; real estate would decrease the value of such
properties by more than $250,000 or would require in excess of $250,000 to cure, or because of certain environmental matters (see &#147;<I>Environmental Inspections</I>&#148; below); </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>Peoples&#146; board of directors has failed to include its recommendation to approve the merger in the joint proxy statement/prospectus related to Peoples&#146; Special Meeting; </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>Peoples&#146; board of directors, after receiving an acquisition proposal from a third party, has withdrawn, modified, or changed its approval or recommendation of the Merger Agreement and approved or recommended
an acquisition proposal with a third party; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>Peoples has entered into, or publicly announced its intention to enter into, a definitive agreement, agreement in principle or letter of intent with respect to another acquisition proposal; or </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>a quorum could not be convened at the Peoples&#146; Special Meeting or at a reconvened meeting held at any time prior to December&nbsp;31, 2015. </TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Peoples may terminate the Merger Agreement at any time prior to the effective time of the merger if any of the following occur: </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>any event shall have occurred that is not capable of being cured prior to December&nbsp;31, 2015 and would result in a condition to Peoples&#146; obligations to consummate the merger not being satisfied;
</TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>Horizon breaches or fails to perform any of its representations, warranties, or covenants contained in the Merger Agreement and that breach or failure to perform would give rise to the failure of a condition to
the merger, and such condition is not capable of being cured by December&nbsp;31, 2015, or has not been cured by Horizon within 20 business days after Horizon&#146;s receipt of written notice of such breach from Peoples; </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>any single event, change, condition, circumstance, or state of facts, or aggregation of events, changes, conditions, circumstance, or state of facts, that has or is reasonably expected to have individually, or in
the aggregate, a material adverse effect on Horizon, whether or not covered by insurance; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>a quorum could not be convened at the Horizon Annual Meeting or at a reconvened meeting held at any time prior to December&nbsp;31, 2015; or </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>at any time during the five-day period commencing on the first date on which all bank regulatory approvals (and waivers, if applicable) and all other approvals and consents necessary for the consummation of the
merger have been received (disregarding any waiting period) (the &#147;determination date&#148;), with such termination to be effective on the tenth day following such determination date if both of the following conditions are satisfied:
</TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="14%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>the average of the daily closing price of Horizon common stock as reported on the NASDAQ Global Select Market for the fifteen consecutive trading days immediately preceding the determination date on which shares
of Horizon common stock actually traded is less than $19.57; and </TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">73 </P>


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


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="14%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>the decline in Horizon&#146;s share price is more than 15% greater than a corresponding price decline in the SNL Midwest Bank Index. </TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:8%; font-size:10pt; font-family:Times New Roman">If Peoples elects to exercise its termination right as described above, Horizon may elect to avoid termination of the Merger Agreement by
increasing the exchange ratio to the lesser of the amounts determined pursuant to the following formula: (i)&nbsp;a quotient, the numerator of which is equal to the product of the $23.02 (the initial market value), the exchange ratio (as then in
effect), and the average daily closing value of the SNL Midwest Bank Index for the fifteen consecutive trading days immediately preceding the determination date divided by the closing value of the SNL Midwest Bank Index on the determination date,
minus 0.15, and the denominator of which is equal to Horizon Market Value on the determination date; or (ii)&nbsp;the quotient determined by dividing $23.02 by the closing price for Horizon&#146;s common stock for the fifteen consecutive trading
days immediately preceding the determination date, and multiplying the quotient by the product of the exchange ratio (as then in effect) and 0.85. Since the formula is dependent on the future price of Horizon&#146;s common stock and that of the SNL
Midwest Bank Index, it is not possible presently to determine what the adjusted merger consideration would be at this time, but, in general, more shares of Horizon common stock would be issued, to take into account the extent by which the average
price of Horizon&#146;s common stock exceeded the decline in the average price of the common stock of the index group. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Under certain
circumstances described in the Merger Agreement, a $3,500,000 termination fee may be payable by Peoples to Horizon if the Merger Agreement is terminated and the merger is not consummated. See &#147;<I>&#150; Termination Fee</I>&#148; directly below.
</P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Terminati<A NAME="tx915197_76"></A>on Fee </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Peoples shall pay Horizon a $3,500,000 termination fee if the Merger Agreement is terminated for any of the following reasons: </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>If Horizon terminates the Merger Agreement because Peoples&#146; board of directors fails to include its recommendation to approve the merger in the joint proxy statement/prospectus delivered to shareholders or
has withdrawn, modified, or changed its approval or recommendation of the Merger Agreement or approves or publicly recommends an acquisition proposal with a third party, or Peoples has entered into or publicly announced an intention to enter into
another acquisition proposal; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>If either party terminates the Merger Agreement because it is not approved by the requisite vote of the shareholders of Peoples at the meeting called for such purpose or by Horizon because a quorum could not be
convened at Peoples&#146; shareholder meeting called to approve the merger and, prior to the date that is twelve months after such termination Peoples or Peoples Bank enters into any acquisition agreement with a third party or an acquisition
proposal is consummated; or </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>If either party terminates the Merger Agreement because the consummation of the merger has not occurred by December&nbsp;31, 2015, and (i)&nbsp;prior to the date of such termination an acquisition proposal was
made by a third party, and (ii)&nbsp;prior to the date that is twelve months after such termination, Peoples or Peoples Bank enters into any acquisition agreement or any acquisition proposal is consummated. </TD></TR></TABLE>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Manag<A NAME="tx915197_77"></A>ement and Operations After the Merger </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I></I>Horizon&#146;s officers and directors serving at the effective time of the merger shall continue to serve as Horizon&#146;s officers and
directors until such time as their successors have been duly elected and qualified or until their earlier resignation, death, or removal from office; <I>provided that</I>, Horizon will take all appropriate action so that, upon the consummation of
the merger and in accordance with Horizon&#146;s Bylaws and the bylaws of Horizon Bank, the size of both boards will be increased by one and Maurice F. Winkler, III, Peoples&#146; Chief Executive Officer and President, will be appointed to the
boards of directors of Horizon and Horizon Bank, effective as of the closing. With respect to Mr.&nbsp;Winkler&#146;s service on the Horizon board of directors, his term will expire at the 2018 annual meeting of Horizon&#146;s shareholders.
Horizon&#146;s Articles of Incorporation and Bylaws in existence as of the effective time of the merger shall remain Horizon&#146;s Articles of Incorporation and Bylaws following the effective time, until such Articles of Incorporation and Bylaws
are further amended as provided by applicable law.<I> </I></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">74 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Environme<A NAME="tx915197_78"></A>ntal Inspections </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Under the Merger Agreement, if the estimated environmental clean-up costs with respect to real property owned or leased by Peoples and its
subsidiaries are between $500,000 and $2,000,000, Horizon has the right to reduce the cash consideration by the amount of the estimated environmental clean-up costs. If the estimated environmental clean-up costs are more than $2,000,000, then
Horizon has to right to either (i)&nbsp;reduce the cash consideration by the estimated environmental clean-up costs, or (ii)&nbsp;terminate the Merger Agreement. In order for Horizon to avail itself of this termination provision, it is required to
request that phase I environmental investigations be commenced with respect to such real estate. Horizon is currently in the process of obtaining and reviewing such environmental investigations. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Effective Time of the <A NAME="tx915197_79"></A>Merger </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Unless otherwise mutually agreed to by the parties, the effective time of the merger will occur within ten business days after the fulfillment
of all conditions precedent to the merger and the expiration of all waiting periods in connection with the bank regulatory applications filed for the approval of the merger. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Regulatory Approvals for the Me<A NAME="tx915197_80"></A>rger </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Under the terms of the Merger Agreement, the merger cannot be completed until Horizon receives necessary regulatory approvals. The merger of
Horizon and Peoples requires the approval of the Federal Reserve Board. The merger of Horizon Bank and Peoples Bank requires the approval of the Office of the Comptroller of the Currency. Horizon has filed applications with each regulatory authority
to obtain the applicable approvals. Although Horizon does not know of any reason why it would not obtain regulatory approvals in a timely manner, Horizon cannot be certain when such approvals will be obtained or if they will be obtained. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Accounting Treatment o<A NAME="tx915197_81"></A>f the Merger </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Horizon will account for the merger under the purchase method of accounting in accordance with GAAP. Using the purchase method of accounting,
the assets (including identified intangible assets) and liabilities of Peoples will be recorded by Horizon at their respective fair values at the time of the completion of the merger. The excess of Horizon&#146;s purchase price over the net fair
value of the tangible and identified intangible assets acquired over liabilities assumed will be recorded as goodwill. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>NASDAQ Global Select Market L<A NAME="tx915197_82">
</A>isting </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Horizon&#146;s common stock is listed on the NASDAQ Global Select Market under the symbol &#147;HBNC.&#148; The shares to
be issued to the Peoples&#146; shareholders in the merger will be eligible for trading on the NASDAQ Global Select Market. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">75 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>DISSEN<A NAME="tx915197_83"></A>TERS&#146; RIGHTS </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Pursuant to Chapter 44 of the Indiana Business Corporation Law, Peoples&#146; shareholders have dissenters&#146; rights with respect to the
merger. Chapter 44 of the Indiana Business Corporation Law authorizes a Peoples shareholder to demand payment in cash for the &#147;fair value&#148; of his or her shares of Peoples common stock before the shareholder vote is taken on the merger. In
this regard, Chapter 44 defines &#147;fair value&#148; to mean the value of the dissenting shareholder&#146;s shares immediately before the effectuation of the merger, excluding any appreciation or depreciation in the value of the shares in
anticipation of the merger unless a court determines that such exclusion would be inequitable. Pursuant to the procedures set forth in Chapter 44, the &#147;fair value&#148; of the shares is to be agreed upon by the dissenting shareholder and the
corporation, unless no agreement can be reached, in which case the &#147;fair value&#148; of the shares will be determined by a court. The term &#147;fair value&#148; as used for purposes of Chapter 44 does not imply, and should not be construed as
meaning, that the merger consideration is anything other than adequate and in the best interests of Peoples&#146; shareholders. If a shareholder asserts his or her dissenters&#146; rights, there is no guarantee that the &#147;fair value&#148; of his
or her shares will be determined to be equal to or greater than the merger consideration. Investment banker opinions as to the fairness from a financial point of view of the consideration payable in a transaction such as the proposed merger are not
opinions as to and do not address &#147;fair value&#148; for purposes of Chapter 44. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">To claim dissenters&#146; rights, a Peoples
shareholder who desires to exercise his or her rights as a dissenting shareholder must: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">1.</TD>
<TD ALIGN="left" VALIGN="top">before the vote is taken at the Peoples&#146; Special Meeting, deliver to Peoples written notice of his or her intent to demand payment for his or her shares if the merger is effectuated; and </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">2.</TD>
<TD ALIGN="left" VALIGN="top">not vote in favor of the merger in person or by proxy at the Peoples&#146; Special Meeting. </TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If the merger is approved by Peoples&#146; shareholders, Peoples will send a notice of dissenters&#146; rights to those Peoples shareholders
satisfying the above conditions within 10 days after the Special Meeting date. The notice will state the procedures the dissenting Peoples shareholders must follow to further exercise their dissenters&#146; rights in accordance with Chapter 44 of
the Indiana Business Corporation Law. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Peoples&#146; shareholders who execute and return their proxies but do not specify a choice on the
merger proposal will be deemed to have voted &#147;For&#148; the merger, and accordingly to have waived their dissenters&#146; rights, unless they revoke the proxy prior to its being voted. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">A Peoples shareholder who does not deliver timely written notice of his or her intent to demand payment for his or her shares will not be
entitled to dissenters&#146; rights under Chapter 44 of the Indiana Business Corporation Law even if he or she votes against the merger or refrains from voting. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Upon consummation of the merger, Peoples will pay each dissenting shareholder who has complied with all the requirements of Chapter 44 of the
Indiana Business Corporation Law and of the notice, Peoples&#146; estimate of the fair value of the shares as of the time immediately prior to the merger, excluding any appreciation in value in anticipation of the merger. The determination of the
estimate of &#147;fair value&#148; will be based on the value of such shares of Peoples common stock as of the last business day immediately prior to the effective time of the merger and will be determined by Peoples&#146; board of directors. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Dissenters can object to the fair value by stating their estimate of the fair value and demanding payment of the additional amount claimed as
fair value within 30 days after Peoples makes or offers payment for the dissenters&#146; shares. Peoples can elect to agree to the dissenters&#146; fair value demand or can commence an action in the Circuit or Superior Court of DeKalb County,
Indiana, within 60 days after receiving the demand for payment for a judicial determination of the fair value. The court can appoint appraisers to determine the fair value. The costs of the proceeding, including compensation and expenses of the
appraisers, counsel for the parties, and experts, will be assessed against all parties to the action in such amounts as the court finds equitable. Each dissenter made a party to the action will be entitled to receive the amount, if any, by which the
court finds the fair value of the dissenter&#146;s shares, plus interest, exceeds the amount paid by Peoples. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">See the full text of
Chapter 44 set forth in&nbsp;<U>Appendix E</U>&nbsp;to this joint proxy statement/prospectus. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">THIS SUMMARY OF THE DISSENTERS&#146; RIGHTS
OF PEOPLES&#146; SHAREHOLDERS DOES NOT PURPORT TO BE COMPLETE AND IS QUALIFIED IN ITS ENTIRETY BY THE STATUTORY PROVISIONS ATTACHED TO THIS JOINT PROXY STATEMENT/PROSPECTUS AS&nbsp;<U>APPENDIX E</U>. ANY INDIVIDUAL CONSIDERING EXERCISING RIGHTS OF
DISSENT SHOULD CAREFULLY READ AND CONSIDER THE INFORMATION DISCLOSED IN&nbsp;<U>APPENDIX E</U>&nbsp;AND CONSULT WITH INDEPENDENT PROFESSIONAL ADVISORS BEFORE EXERCISING RIGHTS OF DISSENT. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">76 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>INTER<A NAME="tx915197_84"></A>ESTS OF CERTAIN DIRECTORS AND OFFICERS OF PEOPLES IN THE MERGER
</B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">When Peoples&#146; shareholders are considering the recommendation of the Peoples board of directors in connection with the Merger
Agreement proposal, you should be aware that some of the employees and directors of Peoples and Peoples Bank have interests that are in addition to, or different from, the interests of Peoples&#146; shareholders generally, which are described below.
Horizon&#146;s and Peoples&#146; boards of directors were aware of these interests and considered them, among other matters, in approving the Merger Agreement and the transactions contemplated by the Merger Agreement. Except as described below, to
the knowledge of Peoples, the officers and directors of Peoples do not have any material interest in the merger apart from their interests as shareholders of Peoples. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Payments Under Exist<A NAME="tx915197_85"></A>ing Employment Agreements With Maurice F. Winkler, III, Jeffrey H. Gatton, and Steven H. Caryer </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Under the Merger Agreement, Peoples will make lump sum cash payments, no later than the effective time of the merger, to each of Maurice F.
Winkler, III, President and Chief Executive Officer of Peoples, Jeffrey H. Gatton, Senior Vice President and Chief Operating Officer of Peoples, and Steven H. Caryer, Vice President and Chief Financial Officer of Peoples, of all amounts specified in
each such officer&#146;s Employment Agreement with Peoples and Peoples Bank, each dated December&nbsp;17, 2013, as if the change in control payments contemplated by those employment agreements had been triggered by the merger. Change in control
payments are to be made to these employees if their employment is terminated or if their duties and responsibilities are materially reduced within twelve months following a change of control. The amounts payable under these employment agreements are
currently estimated as follows: (i)&nbsp;Mr.&nbsp;Winkler &#150; $484,741; (ii)&nbsp;Mr.&nbsp;Gatton &#150; $348,787; and (iii)&nbsp;Mr.&nbsp;Caryer &#150; $340,563. These payments are conditioned upon Messrs. Winkler, Gatton, and Caryer each
entering into mutual termination of employment agreements and noncompetition agreements in the forms attached to the Merger Agreement. The payment to Mr.&nbsp;Gatton is further conditioned on Mr.&nbsp;Gatton entering into an employment agreement
with Horizon Bank in the form attached to the Merger Agreement, as further described below. The noncompetition agreements with respect to Messrs. Winkler and Caryer have already been executed and delivered. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Employment Agreement Between Jeffrey H. Gatton and Horizo<A NAME="tx915197_86"></A>n and Horizon Bank </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">As a condition to Horizon&#146;s obligation to close the merger, on or before the effective time of the merger Jeffrey H. Gatton, Senior Vice
President and Chief Operating Officer of Peoples, shall have entered into an employment agreement with Horizon and Horizon Bank, to be effective as of and from the closing of the merger. The form of employment agreement to be entered into between
Mr.&nbsp;Gatton, Horizon, and Horizon Bank is attached as Exhibit 7.01(p) to the Merger Agreement, attached hereto as <U>Appendix A</U>, and is incorporated by reference herein. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Under the employment agreement, Mr.&nbsp;Gatton will hold the position of Vice President and Regional Manager of Horizon Bank, and will
perform the duties and responsibilities as may be assigned by Horizon Bank&#146;s Regional Market President for the region previously served by Peoples, including, but not limited to, leading and assisting the integration of Peoples Bank into
Horizon Bank, organizing and implementing branch personnel training, branch risk management duties, branch sales management training and sales efforts, recruitment and retention of branch staff, and carrying out other financial responsibilities. The
term of the employment agreement will be for one year following the closing of the merger, which will be automatically extended for successive one-year periods on each anniversary of the closing of the merger, unless earlier terminated in accordance
with its provisions. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Under the employment agreement, Mr.&nbsp;Gatton will receive an annual base salary of $140,000, and he will be
entitled to participate in all incentive compensation programs generally available to vice presidents of Horizon Bank. Mr.&nbsp;Gatton also will receive other benefits, including coverage under Horizon Bank&#146;s group term life insurance plan, and
he will be entitled to participate in all employee benefit plans generally available to employees of Horizon Bank. Notwithstanding the foregoing, Mr.&nbsp;Gatton will not be entitled to any severance payment or benefit under any plan or program of
Horizon or Horizon Bank in connection with a termination of his employment. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If Mr.&nbsp;Gatton&#146;s employment with Horizon Bank is
terminated for any reason, his compensation and benefits will terminate effective as of the date his employment agreement terminates; provided that, he will be entitled to receive payment for any accrued but unpaid base salary and any accrued but
unused vacation and sick leave. Mr.&nbsp;Gatton will be subject to noncompetition provisions that restrict him from competing with Horizon Bank in certain Indiana and Michigan counties for 24 months following the termination of his
employment.&nbsp;Mr.&nbsp;Gatton also will be subject to nonsolicitation restrictions with respect to Horizon&#146;s or Horizon Bank&#146;s customers and employees for the same 24-month period.&nbsp;Finally, Mr.&nbsp;Gatton will be subject to
confidentiality provisions protecting Horizon&#146;s and Horizon Bank&#146;s confidential business information from unauthorized disclosure. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">77 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Assumption of Salary Continuation Ag<A NAME="tx915197_87"></A>reement and Retirement Benefits Agreement With
G. Richard Gatton </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Upon completion of the merger, Horizon will assume that certain First Savings Bank, FSB Salary Continuation
Agreement dated September&nbsp;18, 1996, and the Retirement Benefits Agreement dated October&nbsp;26, 2006, each with G. Richard Gatton, the Chairman of the Board of Peoples. These agreements provide for annual payments, subject to 3% annual
increases, to Mr.&nbsp;Gatton until October&nbsp;
21, 2022. His annual payment is currently $18,448. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Payments Under Deferred Fee Agreement With <A NAME="tx915197_88"></A>Stephen R. Olson </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">At or prior to the effective time, Peoples will, or cause Peoples Bank to, take all action to amend, consistent with the requirements of Code
Section&nbsp;409A and its regulations, that certain First Savings Bank, FSB Deferred Fee Agreement dated October&nbsp;24, 1996 with Stephen R. Olson, a director of Peoples, to provide for a lump sum payment to be made at or prior to the effective
time in full satisfaction of any payments or benefits due thereunder. Mr.&nbsp;Olson&#146;s deferred fee agreement provides that he is to receive monthly payments of his deferred fee account, which consists of director fees deferred by
Mr.&nbsp;Olson and interest thereon at the rate prescribed by his agreement. Those monthly fees are currently approximately $870 per month. Upon termination of the agreement and payment of the remaining balance of Mr.&nbsp;Olson&#146;s deferred fee
account, it is anticipated that Peoples Bank will pay Mr.&nbsp;Olson approximately $116,896 at or prior to the effective time of the merger. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Maurice
F. Winkler, III, Becoming Director of Horiz<A NAME="tx915197_89"></A>on and Horizon Bank </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Maurice F. Winkler, III, the President and
Chief Executive Officer of Peoples and a member of its board of directors, will be appointed to the boards of directors of both Horizon and Horizon Bank effective as of the closing of the merger. With respect to Mr.&nbsp;Winkler&#146;s service on
the Horizon board of directors, his term will expire at the 2018 annual meeting of Horizon&#146;s shareholders. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Northeast Indiana Advisory Boar<A NAME="tx915197_90">
</A>d </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Horizon has agreed to establish, as soon as reasonably practical after the effective time of the merger, a Northeast Indiana
Advisory Board and to add representatives to the advisory board from Peoples and Peoples Bank boards of directors and from the communities served by Peoples Bank as mutually agreed upon by Horizon and Peoples. Each of such persons will be entitled
to receive compensation from Horizon for their services on such board in accordance with the fee schedule for such services that is applicable from time to time for similar services by other members of Horizon&#146;s and Horizon Bank&#146;s boards.
</P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Indemnification and Insurance of Direc<A NAME="tx915197_91"></A>tors and Officers </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Horizon has agreed that all rights to indemnification and exculpation from liabilities arising out of or pertaining to matters existing or
occurring on or prior to the effective time of the merger in favor of the present and former officers and directors of Peoples and Peoples Bank as provided under the articles of incorporation or bylaws of Peoples or Peoples Bank, or permitted under
Indiana law, shall survive the merger and continue for a period of six years after the effective time of the merger. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In addition, Horizon
has agreed to maintain a directors&#146; and officers&#146; liability insurance policy for three years after the effective time of the merger to cover the present officers and directors of Peoples and Peoples Bank with respect to claims against such
directors and officers arising from facts or events that occurred before the effective time of the merger; provided that, Horizon is not obligated to pay each year more than 150% of Peoples&#146; annual premiums for such coverage. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">78 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>MATER<A NAME="tx915197_92"></A>IAL FEDERAL INCOME TAX CONSEQUENCES </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>General.</B> The following is a summary of the material anticipated United States federal income tax consequences generally applicable to a
U.S. Holder (as defined below) of Peoples common stock with respect to the exchange of Peoples common stock for Horizon common stock pursuant to the merger. This discussion assumes that U.S. Holders hold their Peoples common stock as capital assets
within the meaning of Section&nbsp;1221 of the Code. This summary is based on the Code, administrative pronouncements, judicial decisions and Treasury Regulations, each as in effect as of the date of this joint proxy statement/prospectus. All of the
foregoing is subject to change at any time, possibly with retroactive effect, and all are subject to differing interpretation. No advance ruling has been sought or obtained from the Internal Revenue Service regarding the United States federal income
tax consequences of the merger. As a result, no assurance can be given that the Internal Revenue Service would not assert, or that a court would not sustain, a position contrary to any of the tax consequences set forth below.<B> </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This summary does not address any tax consequences arising under United States federal tax laws other than United States federal income tax
laws, nor does it address the income tax consequences applicable to participants in the 401(k) plan or with respect to employee benefits generally, nor the laws of any state, local, foreign, or other taxing jurisdiction, nor does it address any
aspect of income tax that may be applicable to non-U.S. Holders of Peoples common stock. In addition, this summary does not address all aspects of United States federal income taxation that may apply to U.S. Holders of Peoples common stock in light
of their particular circumstances or U.S. Holders that are subject to special rules under the Code, such as holders of Peoples common stock that are partnerships or other pass-through entities (and persons holding their Peoples common stock through
a partnership or other pass-through entity), persons who acquired shares of Peoples common stock as a result of the exercise of employee stock options or otherwise as compensation or through a tax-qualified retirement plan, persons subject to the
alternative minimum tax, tax-exempt organizations, financial institutions, broker-dealers, traders in securities that have elected to apply a mark to market method of accounting, insurance companies, persons having a &#147;functional currency&#148;
other than the U.S. dollar and persons holding their Peoples common stock as part of a straddle, hedging, constructive sale, or conversion transaction. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">For purposes of this summary, a &#147;U.S. Holder&#148; is a beneficial owner of Peoples common stock that is for United States federal income
tax purposes: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">a United States citizen or resident alien; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">a corporation, or other entity taxable as a corporation for United States federal income tax purposes, created or organized under the laws of the United States or any state therein or the District of Columbia;
</TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">a trust if (1)&nbsp;it is subject to the primary supervision of a court within the United States and one or more United States persons have the authority to control all substantial decisions of the trust, or (2)&nbsp;it
was in existence on August&nbsp;20, 1996 and has a valid election in effect under applicable Treasury Regulations to be treated as a United States person; and </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">an estate, the income of which is subject to United Sates federal income taxation regardless of its source. </TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If a partnership (including an entity treated as a partnership for United States federal income tax purposes) holds Peoples common stock, the
tax treatment of a partner in the partnership will generally depend on the status of such partner and the activities of the partnership. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Horizon and Peoples intend for the merger to qualify as a reorganization within the meaning of Section&nbsp;368(a) of the Code. The
obligations of Horizon and Peoples to consummate the merger are conditioned upon the receipt of an opinion from Barnes&nbsp;&amp; Thornburg LLP, counsel to Peoples, to the effect that the merger will for federal income tax purposes qualify as a
reorganization based upon the assumptions, representations, warranties, and covenants made by Horizon and Peoples, including those contained in the Merger Agreement. If any of the representations or assumptions upon which the opinion is based are
inconsistent with the actual facts existing at the effective time of the merger, the tax consequences of the merger could be adversely affected. The determination by tax advisors as to whether the proposed merger will be treated as a
&#147;reorganization&#148; within the meaning of Section&nbsp;368(a) of the Code will depend upon the facts and law existing at the effective time of the proposed merger unless tax counsel determines that such determination may be made as of the
last business day before the Merger Agreement becomes a binding contract in accordance with Treasury Regulation Section&nbsp;1.368-1(e). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Horizon and Peoples have not requested and do not intend to request any ruling from the Internal Revenue Service. Accordingly, Horizon urges
each Peoples shareholder to consult his, her, or its own tax advisors as to the specific tax </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">79 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
consequences resulting from the merger, including tax return reporting requirements, the applicability and effect of federal, state, local, and other applicable tax laws and the effect of any
proposed changes in the tax laws. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Pursuant to the Merger Agreement, Horizon and Peoples may exercise their right to terminate the merger
if Barnes&nbsp;&amp; Thornburg LLP is unable to render the tax opinion at closing. If the market price of the Horizon common stock as of the effective time declines relative to the market price of Peoples common stock to the extent that the value of
the Horizon common stock received by the Peoples shareholders in the merger is less than 40% of the fair market value of the total consideration received in the merger by Peoples&#146; shareholders for their shares of Peoples common stock upon the
merger, then Horizon and Peoples will not be obligated to consummate the merger pursuant to the Merger Agreement because Barnes&nbsp;&amp; Thornburg LLP would be unable to render its favorable tax opinion on the merger. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Assuming the merger is treated as a reorganization within the meaning of Section&nbsp;368(a) of the Code, no gain or loss will be recognized
by Horizon, its subsidiaries, or Peoples or Peoples Bank by reason of the merger. The material United States federal income tax consequences of the merger to the U.S. Holders are described below. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Exchange of Peoples Common Stock for Horizon Common Stock and Cash.</B> As a result of receiving a combination of Horizon common stock and
cash in exchange for shares of Peoples common stock, a U.S. Holder will recognize gain, but not loss, equal to the lesser of (1)&nbsp;the amount of cash received, or (2)&nbsp;the amount of gain &#147;realized&#148; in the merger. The amount of gain
a U.S. Holder &#147;realizes&#148; will equal the amount by which (a)&nbsp;the cash plus the fair market value at the effective time of the merger of the Horizon common stock received, exceeds (b)&nbsp;the U.S. Holders&#146; aggregate adjusted tax
basis in the Peoples common stock surrendered in the merger. Any recognized loss disallowed will be included in the adjusted basis of the Horizon common stock received in the merger, as discussed below. Any recognized gain will be taxed as a capital
gain or a dividend, as described below. The aggregate adjusted tax basis of the shares of Horizon common stock received in the merger will be the same as the aggregate adjusted tax basis of the shares of Peoples common stock surrendered in the
merger decreased by the amount of cash received in the merger and increased by (i)&nbsp;the gain recognized in the merger, if any, and (ii)&nbsp;the recognized loss disallowed in the merger, if any. The holding period for shares of Horizon common
stock received by such U.S. Holder will include such U.S. Holder&#146;s holding period for the Peoples common stock surrendered in exchange for the Horizon common stock, provided that such shares of Peoples common stock were held as capital assets
of the U.S. Holder at the effective time of the merger. If a U.S. Holder acquired different blocks of Peoples common stock at different times or at different prices, any gain or loss will be determined separately with respect to each block of
Peoples common stock, and the cash and shares of Horizon stock received will be allocated pro rata to each such block of stock. U.S. Holders of Peoples common stock should consult their tax advisors with regard to identifying the bases or holding
periods of the particular shares of Horizon common stock received in the merger.<B> </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Exchange of Peoples Common Stock Solely for
Cash.</B> A U.S. Holder who receives solely cash in exchange for all of his, her, or its shares of Peoples common stock (and is not treated as constructively owning Horizon common stock after the merger under the circumstances referred to below
under &#147;<B></B><I>Potential Recharacterization of Gain as Dividend</I><B></B>&#148;) will recognize gain or loss for federal income tax purposes equal to the difference, if any, between the cash received and such U.S. Holder&#146;s aggregate
adjusted tax basis in the Peoples common stock surrendered in exchange for the cash. Such gain or loss will be a capital gain or loss, provided that such shares were held as capital assets of the U.S. Holder at the effective time of the merger. See
&#147;<B></B><I>Taxation of Capital Gain</I><B></B>&#148; below for more information on the rules applicable to capital gains. The deductibility of capital losses is subject to limitations. See discussion above regarding blocks of stock that were
purchased at different times or at different prices.<B> </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I></I><B>Taxation of Capital Gain.</B><I></I> Except as described under
&#147;<I>Potential Recharacterization of Gain as a Dividend</I>&#148; below, gain that U.S. Holders recognize in connection with the merger generally will constitute capital gain and will constitute long-term capital gain if such U.S. Holders have
held (or are treated as having held) their Peoples common stock for more than one year as of the date of the merger. Long-term capital gain of non-corporate U.S. Holders of Peoples common stock is generally taxed at preferential rates. For
non-corporate U.S. Holders, long-term capital gain generally can be taxed at a maximum U.S. federal income tax rate that is lower than the rate for ordinary income or for short-term capital gains. As a result of the American Taxpayer Relief Act of
2012 (&#147;ATRA&#148;), the maximum U.S. federal income tax rate in effect for long-term capital gains recognized during 2015 is 20% for high income taxpayers, i.e., married couples filing joint returns and surviving spouses with taxable income in
excess of $464,850, heads of household with taxable income in excess of $439,000, and other individuals with taxable income in excess of $413,200. The maximum long-term capital gains rate for most other non-high income taxpayers is 15%. In addition,
net investment income of certain high-income taxpayers may be subject to an additional 3.8% tax (i.e., the net investment income tax) under Section&nbsp;1411 of the Code. The definition of &#147;high income taxpayers&#148; for purposes of the net
investment income tax is different than as defined above for purposes of ATRA. Because <I> </I></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">80 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
the impact of the net investment income tax depends primarily upon the particular circumstances of a U.S. Holder, U.S. Holders should consult their own tax advisors regarding the potential impact
of these tax rules to them. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Potential Recharacterization of Gain as a Dividend.</B> Any gain recognized by a U.S. Holder will be
capital gain unless the U.S. Holder&#146;s receipt of cash has the effect of a distribution of a dividend, in which case the gain will be treated as dividends to the extent of the U.S. Holder&#146;s ratable share of accumulated earnings and profits,
as calculated for United States federal income tax purposes. For purposes of determining whether a U.S. Holder&#146;s receipt of cash has the effect of a distribution of a dividend, the U.S. Holder will be treated as if it first exchanged all of
his, her, or its Peoples common stock solely in exchange for Horizon common stock and then Horizon immediately redeemed a portion or all of that stock for the cash that the U.S. Holder actually received in the merger (referred to herein as the
&#147;deemed redemption&#148;). Receipt of cash will generally not have the effect of a distribution of a dividend to the U.S. Holder if such receipt is, with respect to the U.S. Holder, &#147;not essentially equivalent to a dividend,&#148;
&#147;substantially disproportionate,&#148; or a &#147;complete redemption,&#148; each within the meaning of Section&nbsp;302(b) of the Code. <B> </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The deemed redemption will not be &#147;essentially equivalent to a dividend&#148; and, therefore, will not have the effect of a distribution
of a dividend with respect to a U.S. Holder if it results in a &#147;meaningful reduction&#148; in the U.S. Holder&#146;s proportionate interest in Horizon. If a U.S. Holder that has a relatively minimal stock interest in Horizon and no right to
exercise control over corporate affairs suffers a reduction in the U.S. Holder&#146;s proportionate interest in Horizon, the U.S. Holder should be regarded as having suffered a meaningful reduction in the U.S. Holder&#146;s proportionate interest in
Horizon. For example, the IRS has held in a published ruling that, in the case of a less than 1% stockholder who does not have management control over the corporation, any reduction in the stockholder&#146;s proportionate interest will constitute a
&#147;meaningful reduction.&#148; The IRS has also indicated in rulings that any reduction in the interest of a minority shareholder that owns a small number of shares in a publicly and widely held corporation and that exercises no control over
corporate affairs would result in capital gain (as opposed to dividend) treatment. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The deemed redemption will be &#147;substantially
disproportionate,&#148; and, therefore, will not have the effect of a distribution of a dividend with respect to a U.S. Holder who owns less than 50% of the voting power of the outstanding Horizon common stock if the percentage of the outstanding
Horizon voting (including all classes that carry voting rights) and common stock (both voting and nonvoting) that is actually and constructively owned by the U.S. Holder immediately after the deemed redemption is reduced to less than 80% of the
percentage of the outstanding Horizon common stock that is considered to be actually and constructively owned by the U.S. Holder immediately before the deemed redemption. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The deemed redemption will be a &#147;complete redemption,&#148; and, therefore, will not have the effect of a distribution of a dividend with
respect to a U.S. Holder, if it results in a complete termination of a U.S. Holder&#146;s interest in the outstanding Horizon common stock that is considered to be actually and constructively owned by the U.S. Holder immediately before the deemed
redemption. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">For purposes of applying the foregoing tests, a U.S. Holder will be deemed to own the stock it actually owns and the stock it
constructively owns under the attribution rules of Section&nbsp;318 of the Code. Under Section&nbsp;318 of the Code, a U.S. Holder will be deemed to own the shares of stock owned by certain family members, by certain estates and trusts of which the
U.S. Holder is a beneficiary and by certain affiliated entities, as well as shares of stock subject to an option actually or constructively owned by the U.S. Holder or such other persons. In the event of a &#147;complete redemption&#148; within the
meaning of Section&nbsp;302(b)(3) of the Code, a U.S. Holder may elect to waive the attribution rules of Section&nbsp;318 of the Code pursuant to Section&nbsp;302(c) of the Code. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The determination of whether a cash payment will be treated as having the effect of a dividend depends primarily upon the facts and
circumstances of each U.S. Holder. U.S. Holders are urged to consult their own tax advisors regarding the tax treatment of the cash received in the merger. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I></I><B>Taxation of Dividend. </B><I></I>If, after applying the tests described in &#147;<I>Potential Recharacterization of Gain as a
Dividend</I>&#148; above, the deemed redemption results in the gain recognized by a U.S. Holder being classified as a dividend, such dividend will be treated as either ordinary income or qualified dividend income. Any gain treated as qualified
dividend income will be taxable to individual Peoples U.S. Holders at the long-term capital gains rate, provided that the U.S. Holder held the shares giving rise to such income for more than 60 days during the 121 day period beginning 60 days before
the closing date. ATRA increased the maximum rate on qualified dividends for high income taxpayers to 20%. In addition, certain high-income taxpayers may be subject to an additional 3.8% net investment income tax. Any gain treated as ordinary income
will be taxable at ordinary income rates. <I> </I></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Cash Received In Lieu of a Fractional Share of Horizon Common Stock.</B> A U.S.
Holder who receives cash in lieu of a fractional share of Horizon common stock will be treated as having received the fractional share pursuant to the <B> </B></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">81 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>
</I>merger and then as having exchanged the fractional share for cash in a redemption by Horizon of the fractional share. As a result, such U.S. Holder will generally recognize gain or loss equal
to the difference between the amount of cash received and the basis in the U.S. Holder&#146;s fractional share interest as set forth above. This gain or loss will generally be capital gain or loss, and will be long-term capital gain or loss if, as
of the effective date of the merger, the holding period for such shares is greater than one year. See discussion in &#147;<I>Taxation of Capital Gain</I>&#148; above for information regarding the tax rates applicable to long-term capital gains,
including the potential application of the net investment income tax. The deductibility of capital losses is subject to limitations.<I> </I></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Backup Withholding and Information Reporting. </B>Payments of cash to a U.S. Holder may, under certain circumstances, be subject to
information reporting and backup withholding at a rate of 28% of the cash payable to the U.S. Holder, unless the U.S. Holder provides proof of an applicable exemption or furnishes his, her, or its taxpayer identification number (Form W-9), and
otherwise complies with all applicable requirements of the backup withholding rules. Any amounts withheld from payments to a U.S. Holder under the backup withholding rules are not additional tax and will be allowed as a refund or credit against the
U.S. Holder&#146;s U.S. federal income tax liability to the extent that they exceed such U.S. Holder&#146;s federal income tax liability, provided the required information is furnished to the Internal Revenue Service.<B> </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">A U.S. Holder will be required to retain records pertaining to the merger with regard to the stock consideration received by such U.S. Holder.
A U.S. Holder who is a &#147;significant holder&#148; of Peoples shares and who receives shares of Horizon will be required to retain records pertaining to the merger with regard to the stock consideration received by such U.S. Holder and file a
statement with his, her, or its U.S. federal income tax return in accordance with Treasury Regulation Section&nbsp;1.368-3 setting forth information regarding the parties to the merger, the date of the merger, such U.S. Holder&#146;s basis in the
Peoples common stock surrendered and the fair market value of the Horizon common stock and cash received in the merger. A &#147;significant holder&#148; is a holder of Peoples common stock who, immediately before the merger, owned at least 1% of the
outstanding stock of Peoples or securities of Peoples with a basis for federal income tax purposes of at least $1 million. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>The
preceding discussion is intended only as a summary of material U.S. federal income tax consequences of the merger. This discussion does not address tax consequences that may vary with, or are contingent on, individual circumstances. It is not a
complete analysis or discussion of all potential tax effects that may be important to you. Thus, Peoples urges Peoples shareholders to consult their own tax advisors as to the specific tax consequences to them resulting from the merger, including
tax return reporting requirements, the applicability and effect of federal, state, local, and other applicable tax laws and the effect of any proposed changes in the tax laws. The foregoing summary of material U.S. federal income tax consequences of
the merger is not intended or written to be used, and cannot be used, by any shareholder of Peoples, any shareholder of Horizon, or any other person for the purpose of avoiding penalties that may be imposed by the Internal Revenue Service. </B></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">82 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>COMPA<A NAME="tx915197_93"></A>RISON OF THE RIGHTS OF SHAREHOLDERS </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Under the Merger Agreement, Peoples shareholders will exchange their shares of Peoples common stock for shares of Horizon common stock and
cash (and cash for fractional share interests). Horizon is organized under the laws of the State of Indiana, and the Horizon shareholders are governed by the applicable laws of the State of Indiana, including the IBCL, and Horizon&#146;s articles of
incorporation and bylaws. Peoples is also an Indiana corporation, and is governed by the laws of the State of Indiana and the articles of incorporation of Peoples, as amended (which we refer to as the &#147;Peoples Articles&#148;) and the bylaws of
Peoples (which we refer to as the &#147;Peoples Bylaws&#148;). Upon consummation of the merger, Peoples&#146; shareholders will become Horizon shareholders, and the Amended and Restated Articles of Incorporation of Horizon (which we refer to as the
&#147;Horizon Articles&#148;), the Amended and Restated Bylaws of Horizon (which we refer to as the &#147;Horizon Bylaws&#148;), the IBCL, and the rules and regulations applicable to public companies will govern their rights as Horizon shareholders.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The following summary discusses some of the material differences between the current rights of Horizon shareholders and Peoples
shareholders under the Horizon Articles, Horizon Bylaws, Peoples Articles, and Peoples Bylaws. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The statements in this section are
qualified in their entirety by reference to, and are subject to, the detailed provisions of the Horizon Articles, the Horizon Bylaws, the Peoples Articles, and the Peoples Bylaws, as applicable. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Authorize<A NAME="tx915197_94"></A>d Capital Stock </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Horizon </I></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Horizon currently is authorized
to issue up to 22,500,000 shares of common stock, no par value, of which approximately 9,232,163 shares were outstanding as of March&nbsp;31, 2015. Horizon also is authorized to issue up to 1,000,000 shares of preferred stock. Horizon&#146;s board
may fix the preferences, limitations, and relative voting and other rights of the shares of any series of preferred stock that it designates. All of the 12,500 shares of preferred stock that the Horizon board designated as Senior Non-Cumulative
Perpetual Preferred Stock, Series B, par value $.01 per share (which we refer to as the &#147;Horizon Series B Preferred&#148;), have been issued and remain outstanding. Horizon also had designated 25,000 shares as Fixed Rate Cumulative Perpetual
Preferred Stock, Series A, par value $.01 per share (which we refer to as the &#147;Horizon Series A Preferred&#148;), but none of those shares remains outstanding. Horizon currently has outstanding warrants to purchase 481,510 shares of Horizon
common stock at an exercise price of $7.79 per share. As of March&nbsp;31, 2015, options to purchase approximately 202,038 shares of Horizon common stock were outstanding. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Peoples </I></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Peoples currently is authorized
to issue up to 12,000,000 shares of capital stock, divided into 5,000,000 authorized shares of serial preferred stock, $1.00 par value per share, and 7,000,000 authorized shares of common stock, $1.00 par value per share. As of May&nbsp;11, 2015,
2,311,858 shares of common stock and no shares of preferred stock were outstanding. People&#146;s board of directors may fix the preferences, limitations, and relative voting and other rights of the shares of any series of preferred stock that it
designates. No preferred stock has ever been designated and issued by Peoples. As of May&nbsp;11, 2015, Peoples does not have any outstanding warrants or options to purchase any of the shares of its common stock. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Voting Rights<A NAME="tx915197_95"></A> and Cumulative Voting </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Horizon </I></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Each holder of Horizon common
stock generally has the right to cast one vote for each share of Horizon common stock held of record on all matters submitted to a vote of shareholders of Horizon. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Holders of the Series B Preferred Stock have the right to vote as a separate class on certain matters relating to the rights of holders of
Series B Preferred Stock and on certain corporate transactions, such as amendments to the Horizon Articles that would adversely affect the Series B Preferred Stock, certain fundamental transactions affecting the Series B Preferred Stock, and in
connection with the authorization of stock senior to the Series B Preferred Stock. Except with respect to such matters, the Series B Preferred Stock does not have voting rights. As a result, the holders of the Series B Preferred Stock have no voting
rights with respect to any of the matters to be voted on at the Horizon Annual Meeting, including the merger. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Indiana law provides that
shareholders may not cumulate their votes in the election of directors unless the corporation&#146;s articles of incorporation so provide. The Horizon Articles do not grant cumulative voting rights to Horizon shareholders. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">83 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Peoples </I></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Each holder of Peoples common stock generally has the right to cast one vote for each share of Peoples common stock held of record on all
matters submitted to a vote of shareholders of Peoples. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Indiana law provides that shareholders may not cumulate their votes in the
election of directors unless the corporation&#146;s articles of incorporation so provide. The Peoples Articles do not grant cumulative voting rights to Peoples shareholders. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Divid<A NAME="tx915197_96"></A>ends </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Horizon </I></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Horizon may pay dividends and make other distributions at such times, in such amounts, to such persons, for such consideration, and upon such
terms and conditions as the Horizon board may determine, subject to all statutory restrictions, including banking law restrictions discussed elsewhere in this proxy statement/prospectus. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I></I>Horizon has issued and outstanding shares of preferred stock that take preference in dividend distributions over shares of common stock
in certain circumstances. See &#147;<I>Comparison of the Rights of Shareholders &#150; Preferred Stock</I>&#148; below.<I> </I></P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Peoples </I></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Peoples may pay dividends and make other distributions at such times, in such amounts, to such persons, for such consideration, and upon such
terms and conditions as the Peoples board of directors may determine, subject to all statutory restrictions, including banking law restrictions. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">OCC regulations impose various restrictions on savings institutions with respect to their ability to make distributions of capital, which
include dividends, stock redemptions or repurchases, cash-out mergers and other transactions charged to the capital account. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">A savings
association that is a subsidiary of a holding company, such as Peoples Bank, may make a capital distribution with prior notice to the Federal Reserve Board (with a copy to the OCC), in an amount that does not exceed its net income for the calendar
year-to-date plus retained net income for the previous two calendar years (less any dividends previously paid) if the savings association has a regulatory rating in the two top examination categories, is not of supervisory concern, and would remain
well-capitalized following the proposed distribution. All other institutions or those seeking to exceed the noted amounts must obtain approval from the Federal Reserve Board for a capital distribution before making the distribution. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">People&#146;s declaration of dividends is subject to Indiana law, which generally prohibits the payment of dividends to amounts that will not
affect the ability of the corporation, after the dividend has been distributed, to pay its debts in the ordinary course of business. Moreover, such dividends may not exceed the difference between Peoples&#146; total assets and total liabilities plus
preferential amounts payable to shareholders with rights superior to those of the holders of common stock. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In addition, the Federal
Reserve Board may prohibit Peoples&#146; payment of dividends if it concludes such payment would raise safety and soundness concerns for either Peoples or Peoples Bank. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Liquida<A NAME="tx915197_97"></A>tion </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I></I>In the event of the liquidation, dissolution, and/or winding-up of Horizon or Peoples, the holders of shares of Horizon and Peoples
common and preferred stock, as the case may be, are entitled to receive, after the payment of or provision of payment for Horizon&#146;s and Peoples&#146; respective debts and other liabilities and of all shares having priority over the common
stock, a ratable share of the remaining assets of Horizon and Peoples, respectively. Horizon has issued and outstanding shares of preferred stock that take preference in liquidation distributions over its shares of common stock. See
&#147;<I>Comparison of the Rights of Shareholders &#150; Dividends</I>&#148; directly above, and &#147;&#150; <I>Preferred Stock</I>&#148; directly below.<I> </I></P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Preferr<A NAME="tx915197_98"></A>ed Stock </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Horizon
</I></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In general, the Horizon board is authorized to issue preferred stock in series and to fix and state the voting powers, designations,
preferences, and other rights of the shares of each such series and the limitations thereof. The Horizon board is authorized to issue up to 1,000,000 shares of preferred stock. Horizon designated 12,500 shares of as Horizon Series B Preferred Stock
and issued those shares to the Treasury pursuant to the Small Business Lending Fund. All shares of Horizon Series B Preferred Stock remain outstanding. Horizon also designated 25,000 shares as Horizon Series A Preferred Stock
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">84 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
and issued those shares to the Treasury pursuant to the TARP Capital Purchase Program, but Horizon has repurchased all of those shares, so no shares of Horizon Series A Preferred Stock remain
outstanding. If any other series of preferred stock is issued, the Horizon board may fix the designation, preferences, limitations, relative voting, and other rights of the shares of that series of preferred stock. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Peoples </I></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In general, the Peoples board of
directors is authorized to issue preferred stock in series and to fix and state the voting powers, designations, preferences, and other rights of the shares of each such series and the limitations thereof. The Peoples board of directors is
authorized to issue up to 5,000,000 shares of preferred stock, $1.00 par value per preferred share. Peoples has not designated and issued any shares of preferred stock. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_99"></A>No Sinking Fund Provisions </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">No common or preferred shares of Horizon or Peoples are subject to any mandatory redemption, sinking fund, or other similar provisions. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Additional <A NAME="tx915197_100"></A>Issuances of Stock </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Horizon </I></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Except in connection with the
proposed merger with Peoples, and as otherwise may be provided in this proxy statement/prospectus, Horizon has no specific plans for the issuance of additional authorized shares of its common stock or for the issuance of any shares of preferred
stock. In the future, the authorized but unissued shares of Horizon common and preferred stock will be available for general corporate purposes, including, but not limited to, issuance as stock dividends or in connection with stock splits, issuance
in future mergers or acquisitions, issuance under a cash dividend reinvestment and/or stock purchase plan, issuance under a stock incentive plan, or issuance in future underwritten or other public or private offerings. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;23-1-26-2 of the IBCL permits the board of directors of an Indiana corporation to authorize the issuance of additional shares,
unless the corporation&#146;s articles of incorporation reserve such a right to the corporation&#146;s shareholders. Under the Horizon Articles, no shareholder approval will be required for the issuance of these shares. As a result, the Horizon
board may issue preferred stock, without shareholder approval, possessing voting and conversion rights that could adversely affect the voting power of Horizon&#146;s common shareholders, subject to any restrictions imposed on the issuance of such
shares by the NASDAQ Stock Exchange. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Peoples </I></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Peoples&#146; board of directors may authorize the issuance of additional shares of common stock up to the amounts authorized in the Peoples
Articles, without shareholder approval, subject only to the restrictions of the IBCL and the Peoples Articles. Peoples&#146; board of directors may also authorize the issuance of preferred stock up to the amounts authorized in the Peoples Articles,
without shareholder approval, in one or more series, each having the designations and relative preferences, limitations, voting rights, if any, and other rights, consistent with the IBCL, by adopting and filing an amendment to the Peoples Articles
determining the terms and series. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Number of and R<A NAME="tx915197_101"></A>estrictions Upon Directors </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Horizon </I></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Horizon Bylaws state that the
Horizon board shall be composed of five to fifteen members, with the actual number being set by the Horizon board. Currently, the number of directors is set at twelve members. The Horizon board is divided into three classes, as nearly equal in
number as possible, with the term of office of one class expiring each year. Each director holds office for the term for which he or she was elected and until his or her successor is elected and has qualified, whichever period is longer, or until
his or her death, resignation, or removal. The Horizon Bylaws provide that a director shall not qualify to serve as such effective as of the end of the term during which he or she becomes 75 years of age, and that a non-incumbent director may not be
nominated for election as a director if he or she is 60 years of age at the time of election. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Peoples </I></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Peoples Bylaws state that the Peoples board of directors shall be composed of five to fifteen members, with the actual number being set by
the Peoples board. Currently, the number of directors is set at six members, with five directors serving in office and one vacancy. The Peoples board is divided into three classes, as nearly equal in number as possible,
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">85 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
with the term of office of one class expiring each year. Each director holds office for the term for which he or she was elected and until his or her successor is elected and has qualified,
whichever period is longer, or until his or her death, resignation, or removal. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Removal <A NAME="tx915197_102"></A>of Directors </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Horizon </I></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Under Indiana law, directors may
be removed in any manner provided in the corporation&#146;s articles of incorporation. In addition, the shareholders or directors may remove one or more directors with or without cause, unless the articles of incorporation provide otherwise. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Under the Horizon Articles, any director may be removed, with or without cause, either at a meeting or by written consent, by the affirmative
vote of at least 70% of all of the outstanding shares of capital stock of Horizon entitled to vote on the election of directors. Any director may be removed with cause by the affirmative vote of (i)&nbsp;the holders of a majority of all of the
outstanding shares of capital stock of Horizon entitled to vote on the election of directors at a meeting of shareholders called for that purpose, or (ii)&nbsp;two-thirds or more of the other directors. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Peoples </I></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Under Indiana law, directors may
be removed in any manner provided in the corporation&#146;s articles of incorporation. In addition, the shareholders or directors may remove one or more directors with or without cause, unless the articles of incorporation provide otherwise. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Under the Peoples Articles, any director may be removed without cause at a shareholder meeting called for that purpose by the affirmative vote
of at least 80% of all of the outstanding shares of capital stock of Peoples entitled to vote on the election of directors. Any director may be removed with cause by the affirmative vote of the holders of a majority of all of the outstanding shares
of capital stock of Peoples entitled to vote on the election of directors at a meeting of shareholders called for that purpose. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Specia<A NAME="tx915197_103">
</A>l Meetings of the Board </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Horizon </I></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Horizon Bylaws provide that special meetings of the Horizon board may be called by, or at the request of, the Chairman, the President or a
majority of the directors. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Peoples </I></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Peoples Bylaws provide that special meetings of the Peoples board of directors may be called at any time by the Chairman, President or a
majority of the authorized number of directors. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Classified Board of Directo<A NAME="tx915197_104"></A>rs </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Horizon </I></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Horizon Articles provide that
Horizon&#146;s board of directors shall be divided into three classes, with directors in each class elected to staggered three-year terms. Consequently, it could take two annual elections to replace a majority of the Horizon board. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Peoples </I></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Peoples Articles provide
that Peoples&#146; board of directors shall be divided into three classes, as nearly equal as possible, with directors in each class elected to staggered three-year terms. Consequently, it could take two annual elections to replace a majority of the
Peoples board. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Advance Notice<A NAME="tx915197_105"></A> Requirements for Presentation of Business and Nominations of Directors at Annual Meetings of
Shareholders </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Horizon </I></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Pursuant to
the Horizon Bylaws, nominations for election to the Horizon board may be made by the Horizon board or by any Horizon shareholder. Nominations, other than those made by or on behalf of the existing management of Horizon, must be made in writing and
must be delivered or mailed to the President of Horizon not less than 120 calendar days in </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">86 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
advance of the date of Horizon&#146;s proxy statement released to shareholders in connection with the previous year&#146;s annual meeting of shareholders. All such shareholder nominations must
include the information specified in the Bylaws. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Horizon Bylaws also provide that shareholders may submit proposals for business to
be considered at Horizon&#146;s annual meeting of shareholders, and have those proposals included in Horizon&#146;s proxy and proxy statement delivered to shareholders, if the shareholder has given written notice to Horizon&#146;s Secretary at least
120 days before the date of Horizon&#146;s proxy statement for the prior year. Such proposals must be made in writing, must be received at Horizon&#146;s principal executive offices not less than 120 calendar days in advance of the date of
Horizon&#146;s proxy statement released to shareholders in connection with the previous year&#146;s annual meeting of shareholders and must contain the information specified in the Bylaws. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Peoples </I></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Pursuant to the Peoples Bylaws,
nominations for election of directors to the Peoples board of directors may be made by the board of directors (or any committee thereof) or a shareholder. Shareholder nominations must be submitted to the secretary of Peoples in writing, either by
personal delivery, nationally-recognized express mail or United States mail, postage prepaid, not later than (i)&nbsp;with respect to an election to be held at an annual meeting, at least ninety (90)&nbsp;days prior to the date one year from the
date of the immediately preceding annual meeting of shareholders, and (ii)&nbsp;with respect to an election to be held at a special meeting, the close of business on the tenth day following the date on which notice of such meeting is first given to
shareholders. All such shareholder nominations must include the information specified in the Peoples Bylaws. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Peoples Bylaws also
provide that shareholders may present proposals for business to be considered at an annual or special meeting of the shareholders. These proposals must be submitted to the secretary of Peoples in writing, either by personal delivery,
nationally-recognized express mail or United States mail, postage prepaid, not later than (i)&nbsp;with respect to an annual meeting, at least ninety (90)&nbsp;days prior to the date one year from the date of the immediately preceding annual meeting
of shareholders, and (ii)&nbsp;with respect to a special meeting, the close of business on the tenth day following the date on which notice of such meeting is first given to shareholders. All such shareholder proposals for business to be considered
at the meeting must include the information specified in the Peoples Bylaws. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Special M<A NAME="tx915197_106"></A>eetings of Shareholders </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Horizon </I></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Horizon Bylaws state that
special shareholders&#146; meetings may be called by the Chairman, the President, or, by the Secretary, at the request in writing of a majority of the directors. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Peoples </I></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Peoples Articles and Peoples
Bylaws both provide that special meetings of the shareholders for any purpose (unless otherwise prescribed by law), may be called at any time by the Chairman or President and shall be called by the Chairman or President at the written request of
either (i)&nbsp;80% of the full board of directors, or (ii)&nbsp;the holders of 20% or more of the outstanding shares entitled to vote in the election of directors. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Indemnificat<A NAME="tx915197_107"></A>ion </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Under the IBCL as applicable to both Horizon and Peoples, an Indiana corporation may indemnify an individual made a party to a proceeding
because the individual is or was a director or officer against liability incurred in the proceeding if (i)&nbsp;the individual&#146;s conduct was in good faith, (ii)&nbsp;the individual reasonably believed, in the case of conduct in the
individual&#146;s official capacity with the corporation, that the individual&#146;s conduct was in the best interests of the corporation, and in all other cases, that the individual&#146;s conduct was at least not opposed to the corporation&#146;s
best interests, and (iii)&nbsp;in the case of any criminal proceeding, the individual either had reasonable cause to believe that the individual&#146;s conduct was lawful, or the individual had no reasonable cause to believe that the
individual&#146;s conduct was unlawful. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Unless limited by its articles of incorporation, a corporation must indemnify a director who was
wholly successful, on the merits or otherwise, in the defense of any proceeding to which the director was a party because the director is or was a director of the corporation against reasonable expenses incurred by the director in defense of the
proceeding. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Horizon </I></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Horizon
Articles provide that every person who is or was or has agreed to become a director or officer of Horizon shall be indemnified by Horizon against any and all liability and expense that may be incurred by him or her resulting from any claim, provided
that the person acted in good faith and, for civil actions, acted in what he or she reasonably believed to be in or not opposed to the best interests of Horizon, or, for criminal actions, had reasonable cause to
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">87 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
believe his or her conduct was lawful or had no reasonable cause to believe that his conduct was unlawful. Horizon also may, but is not required to, indemnify an employee or agent under similar
circumstances. The indemnification by Horizon extends to attorneys&#146; fees, judgments, fines, liabilities, and settlements. Horizon must also advance expenses for the defense of a director or officer upon determination of eligibility and upon
receipt of written affirmation of eligibility and an undertaking by such person to repay such expenses if it should ultimately be determined that he is not entitled to indemnification. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In order for a director or officer to be entitled to indemnification, the Horizon board, special legal counsel or the shareholders must
determine that the director has met the standards of conduct required by the Horizon Articles. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Peoples </I></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Peoples Bylaws provide that Peoples shall indemnify any person who was or is a party or is threatened to be made a party to any threatened,
pending or completed action, suit or proceeding by reason of the fact that such person is or was a director, officer, employee or agent of Peoples. A person will be entitled to this indemnification unless a judgment or other final adjudication
establishes that the person&#146;s acts or omissions (i)&nbsp;were in breach of the duty of loyalty to Peoples or its shareholders, (ii)&nbsp;were not in good faith or involved a knowing violation of law, or (iii)&nbsp;resulted in the receipt of an
improper personal benefit. The indemnification provided by Peoples is against expenses (including attorneys&#146; fees), judgments, fines, excise taxes and amounts paid in settlement actually and reasonably incurred by such person in connection with
an action, suit or proceeding to the full extent authorized by law. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Peoples will also pay the reasonable expenses incurred by an officer,
director, employee or agent of Peoples in defending an action, suit or proceeding in advance of the final disposition as authorized by the Peoples board of directors, but only if such person signs an undertaking to repay the amount if it is
ultimately determined that the person is not entitled to be indemnified. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_108"></A>Preemptive Rights </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Although permitted by the IBCL, neither the Horizon Articles nor the Peoples Articles provide for preemptive rights to subscribe for any new or
additional common or preferred stock. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_109"></A>Amendment of Articles of Incorporation and Bylaws </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Horizon </I></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Except as otherwise provided
below, amendments to the Horizon Articles must be approved by a majority vote of the Horizon board and also by a vote of shareholders entitled to vote on the matter in which more votes are cast in favor of the amendment than against the amendment.
The following provisions of the Horizon Articles may not be altered, amended, or repealed without the affirmative vote of at least 70% of the outstanding shares of Horizon stock entitled to vote on such matter: </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Section&nbsp;6.3, which establishes a three-tier director class structure; and </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Section&nbsp;6.4, regarding director removal. </TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Horizon Articles may be amended by the
Horizon board without shareholder approval to designate a new series of preferred shares. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Horizon Bylaws may be amended only by a
majority vote of the number of directors of the Horizon board in office at the time of the vote. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Peoples </I></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Except as otherwise provided below, amendments to the Peoples Articles must be approved by a majority vote of the directors then in office and
also by a majority vote of all shareholders entitled to vote on the matter. The following provisions of the Peoples Articles may not be altered, amended, or repealed without the affirmative vote of at least two thirds of the outstanding shares of
Peoples stock entitled to vote on such matter: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Article 6, which establishes that no shareholder has preemptive rights; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Article 7, regarding directors, including terms, staggered classes and removal; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Article 8, which addresses special meetings of the shareholders and bylaws amendments; and </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Article 10, which governs amendments of the Peoples Articles. </TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">88 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Peoples Articles may be amended by the Peoples board of directors without shareholder
approval to designate a new series of preferred shares. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Peoples Articles and the Peoples Bylaws both provide that the Peoples Bylaws
may be altered, amended or repealed by the affirmative vote of either (i)&nbsp;80% of the full board of directors, or (ii)&nbsp;80% of the outstanding shares entitled to vote in the election of directors at an annual or special meeting of the
shareholders. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Restricti<A NAME="tx915197_110"></A>ons on Unsolicited Changes in Control (Anti-Takeover Protections) </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Horizon </I></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I>General</I>. The Horizon
Articles include several provisions that may have the effect of rendering the company less attractive to potential acquirors, thereby discouraging future takeover attempts that certain shareholders might deem to be in their best interests, or
pursuant to which shareholders might receive a substantial premium for their shares over then-current market prices, but would not be approved by the company&#146;s board of directors. These provisions also have the effect of rendering the removal
of management and the incumbent board of directors more difficult. However, the Horizon board has concluded that the potential benefits of these restrictive provisions outweigh the possible disadvantages.<I> </I></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I>Directors. </I>Certain provisions in the Horizon Articles and Horizon Bylaws impede changes in the majority control of the company&#146;s
board of directors. The Horizon Articles provide that the board will be divided into three classes, with directors in each class elected for staggered three-year terms. As a result, it would take two annual elections to replace a majority of the
Horizon board. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Horizon Bylaws provide that any vacancy occurring in the Horizon board, including a vacancy created by resignation,
death, incapacity, or an increase in the number of directors, may be filled for the remainder of the unexpired term by a majority vote of the directors then in office. No decrease in the number of directors of Horizon can have the effect of
shortening the term of any incumbent director. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Finally, the Horizon Bylaws impose certain notice requirements in connection with the
nomination by shareholders of candidates for election to the board of directors, and for proposals by shareholders of business to be acted upon at a meeting of shareholders. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Under the Horizon Articles, any director may be removed, with or without cause, by the affirmative vote of the holders of 70% of all of the
outstanding shares of Horizon&#146;s capital stock entitled to vote on the election of directors. Any Horizon director may be removed with cause by the affirmative vote of (i)&nbsp;the holders of a majority of all of the outstanding shares of
capital stock of Horizon entitled to vote on the election of directors, or (ii)&nbsp;two-thirds or more of the other directors. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I>Restrictions on Call of Special Meetings.</I> The Horizon Bylaws state that special shareholders&#146; meetings may be called by the
Chairman, the President, or, at the request in writing of a majority of the directors, by the Secretary. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I>No Cumulative Voting.</I> The
Horizon Articles do not provide for cumulative voting rights in the election of directors. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I>Authorization of Preferred Stock.
</I>Horizon is authorized to issue preferred stock from time to time in one or more series subject to applicable provisions of law, and the board of directors is authorized to fix the designations, powers, preferences, and relative participating,
optional, and other special rights of such shares, including voting rights, if any. In the event of a proposed merger, tender offer, or other attempt to gain control of Horizon not approved by the board of directors, it might be possible for the
Horizon board to authorize the issuance of a series of preferred stock with rights and preferences that would impede the completion of such a transaction. An effect of the possible issuance of preferred stock, therefore, may be to deter a future
takeover attempt. The board of directors of Horizon has no present plans or understandings for the issuance of any preferred stock and it does not intend to issue any preferred stock except on terms that the board may deem to be in the best
interests Horizon&#146;s shareholders. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I>Evaluation of Offers</I>. The IBCL specifically authorizes directors, in considering the best
interests of a corporation, to consider the effects of any action on shareholders, employees, suppliers, and customers of the corporation, the communities in which offices or other facilities of the corporation are located, and any other factors the
directors consider pertinent. Horizon&#146;s Articles provide that the Horizon board, when evaluating a business combination or tender or exchange offer, in addition to considering the adequacy of the amount to be paid in connection with any such
transactions, may consider all of the following factors and any other factors that it deems relevant: (a)&nbsp;the social and economic effects of the transaction on Horizon and its subsidiaries, and each of their respective employees, depositors,
loan and other customers, creditors, and other elements of the communities in which Horizon and its subsidiaries operate or are located; (b)&nbsp;the business and financial condition and earnings prospects of the acquiring person or persons,
including, but not limited to, debt service and other existing or likely financial obligations of the acquiring person or persons, and the possible effect of such conditions </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">89 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
upon Horizon and its subsidiaries and the other elements of the communities in which Horizon and its subsidiaries operate or are located; and (c)&nbsp;the competence, experience, and integrity of
the acquiring person or persons and its or their management. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I>Procedures for Certain Business Combinations</I>. The Horizon Articles
require the affirmative vote of 70% of the outstanding shares of all classes of voting stock (reduced to 66<SUP STYLE="font-size:85%; vertical-align:top">2/3</SUP>% under certain conditions), and an independent majority of shareholders, to approve
certain business combinations with holders of more than 10% of Horizon&#146;s voting shares or their affiliates. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I>Amendments to
Articles and Bylaws</I>. As noted above, except for certain exceptions, amendments to the Horizon Articles must be approved by a majority vote of the Horizon board and also by a vote of shareholders in which more votes are cast in favor of the
amendment than against the amendment. Additionally, the following provisions of the Horizon Articles may not be altered, amended or repealed without the affirmative vote of at least 70% of the outstanding shares of Horizon stock entitled to vote on
such matter: (i)&nbsp;Section&nbsp;6.3, which establishes a three-tier director class structure; and (ii)&nbsp;Section&nbsp;6.4, regarding director removal.<I> </I></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Horizon Articles may be amended by the Horizon board without shareholder approval to designate a new series of preferred shares. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Horizon Bylaws may be amended only by a majority vote of the total number of directors of Horizon. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Peoples </I></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I>General</I>. The Peoples
Articles include several provisions that may have the effect of rendering the company less attractive to potential acquirors, thereby discouraging future takeover attempts that certain shareholders might deem to be in their best interests, or
pursuant to which shareholders might receive a substantial premium for their shares over then-current market prices, but would not be approved by the board of directors. These provisions also have the effect of rendering the removal of management
and the incumbent board of directors more difficult. However, the Peoples board of directors has concluded that the potential benefits of these restrictive provisions outweigh the possible disadvantages.<I> </I></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I>Directors. </I>Certain provisions in the Peoples Articles and Peoples Bylaws impede changes in the majority control of the company&#146;s
board of directors. The Peoples Articles provide that the board will be divided into three classes, with directors in each class elected for staggered three-year terms. As a result, it would take two annual elections to replace a majority of the
Peoples board. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Peoples Articles and the Peoples Bylaws provide that any vacancy occurring in the Peoples board, including a vacancy
created by an increase in the number of directors, may be filled for the remainder of the unexpired term by a majority vote of the directors then in office. No decrease in the number of directors of Peoples can have the effect of shortening the term
of any incumbent director. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Finally, the Peoples Bylaws impose certain notice requirements in connection with the nomination by
shareholders of candidates for election to the board of directors, and for proposals by shareholders of business to be acted upon at a meeting of shareholders. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Under the Peoples Articles, any director may be removed without cause at a shareholder meeting called for that purpose by the affirmative vote
of at least 80% of all of the outstanding shares of capital stock of Peoples entitled to vote on the election of directors. Any director may be removed with cause by the affirmative vote of the holders of a majority of all of the outstanding shares
of capital stock of Peoples entitled to vote on the election of directors at a meeting of shareholders called for that purpose. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I>Restrictions on Call of Special Meetings.</I> The Peoples Articles and Peoples Bylaws both provide that special meetings of the
shareholders for any purpose (unless otherwise prescribed by law), may be called at any time by the Chairman or President and shall be called by the Chairman or President at the written request of either (i)&nbsp;80% of the full board of directors,
or (ii)&nbsp;the holders of 20% or more of the outstanding shares entitled to vote in the election of directors. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I>No Cumulative
Voting.</I> The Peoples Articles do not provide for cumulative voting rights in the election of directors. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I>Authorization of Preferred
Stock. </I>Peoples is authorized to issue preferred stock from time to time in one or more series subject to applicable provisions of law, and the board of directors is authorized to fix the designations, powers, preferences, and relative
participating, optional, and other special rights of such shares, including voting rights, if any. In the event of a proposed merger, tender offer, or other attempt to gain control of Peoples not approved by the board of directors, it might be
possible for the Peoples board to authorize the issuance of a series of preferred stock with rights and preferences that would impede the completion of such a transaction. An effect of the possible issuance of preferred stock, therefore, may
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">90 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
be to deter a future takeover attempt. The board of directors of Peoples has no present plans or understandings for the issuance of any preferred stock and it does not intend to issue any
preferred stock except on terms that the board may deem to be in the best interests Peoples&#146; shareholders. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I>Evaluation of
Offers</I>. The IBCL specifically authorizes directors, in considering the best interests of a corporation, to consider the effects of any action on shareholders, employees, suppliers, and customers of the corporation, the communities in which
offices or other facilities of the corporation are located, and any other factors the directors consider pertinent. Peoples&#146; Articles provide that the Peoples board, when discharging the duties of the office (which could include evaluating a
business combination or tender or exchange offer), may consider the effects of any action upon the employees of Peoples and its subsidiaries, the depositors and borrowers of any banking subsidiary, the communities in which offices or other
establishments of Peoples or any subsidiary are located, and all other pertinent factors. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I>Procedures for Certain Business
Combinations</I>. The Peoples Articles accept Chapter 43 of the IBCL, which prohibits certain business combinations, including mergers, sales of assets, recapitalizations, and reverse stock splits, between corporations such as Peoples and an
interested shareholder (defined as the beneficial owner of 10% or more of the voting power of the outstanding voting shares) for five years following the date on which the shareholder obtained 10% ownership, unless the acquisition was approved in
advance of that date by the board of directors of the respective companies. If prior approval is not obtained, several price and procedural requirements must be met before the business combination can be completed. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I>Amendments to Articles and Bylaws</I>. As noted above, except for certain exceptions, amendments to the Peoples Articles must be approved
by a majority vote of the Peoples board and also by a majority vote of all shareholders entitled to vote on the matter. Additionally, the following provisions of the Peoples Articles may not be altered, amended or repealed without the affirmative
vote of at least two thirds of the outstanding shares of Peoples stock entitled to vote on such matter: (i)&nbsp;Article 6 (no preemptive rights); (ii)&nbsp;Article 7 (staggered terms for directors; limits on removal); (iii)&nbsp;Article 8 (special
shareholder meetings; bylaws amendments); and (iv)&nbsp;Article 10 (amendments of the Peoples Articles). <I> </I></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Peoples Articles may
be amended by the Peoples board without shareholder approval to designate a new series of preferred shares, assuming those shares are authorized in the Peoples Articles. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Peoples Bylaws may be altered, amended or repealed only by the affirmative vote of either (i)&nbsp;80% of the full board of directors, or
(ii)&nbsp;
80% of the outstanding shares entitled to vote in the election of directors at an annual or special meeting of the shareholders. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_111">
</A>State and Federal Law </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I>State Law</I>. Several provisions of the IBCL could affect the acquisition of shares of Horizon common
stock or Peoples common stock, or otherwise affect the control of Horizon or Peoples. Chapter 43 of the IBCL prohibits certain business combinations, including mergers, sales of assets, recapitalizations, and reverse stock splits, between
corporations such as Horizon and Peoples (assuming that either company has over 100 shareholders) and an interested shareholder (defined as the beneficial owner of 10% or more of the voting power of the outstanding voting shares) for five years
following the date on which the shareholder obtained 10% ownership, unless the acquisition was approved in advance of that date by the board of directors of the respective companies. If prior approval is not obtained, several price and procedural
requirements must be met before the business combination can be completed. Horizon has elected in the Horizon Articles to not be governed by Chapter 43 of the IBCL. Peoples, on the other hand, has elected in the Peoples Articles to be governed by
Chapter 43 of the IBCL.<I> </I></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In addition, the IBCL contains a Control Share Acquisition Statute that may have the effect of
discouraging or making more difficult a hostile takeover of an Indiana corporation. This provision also may have the effect of discouraging premium bids for outstanding shares. The Control Share Acquisition Statute provides that, unless otherwise
provided in a corporation&#146;s articles of incorporation or by-laws, shares acquired in certain acquisitions of the corporation&#146;s stock (which take the acquiror over the successive thresholds of 20%, 33%, and 50% of the corporation&#146;s
stock) will be accorded voting rights only if a majority of the disinterested shareholders approves a resolution granting the potential acquiror the ability to vote such shares. An Indiana corporation is subject to the Control Share Acquisition
Statute if it has 100 or more shareholders and its principal place of business is in Indiana. An Indiana corporation otherwise subject to the Control Share Acquisition Statute may elect not to be covered by the statute by so providing in its
articles of incorporation or bylaws. Horizon has elected not to be governed by the Control Share Acquisition Statute. Peoples, on the other hand, has elected in the Peoples Articles to be governed by the Control Share Acquisition Statute. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">91 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Control Share Acquisition Statute does not apply to a plan of affiliation and merger, if the
corporation complies with the applicable merger provisions and is a party to the plan of merger. Thus, the provisions of the Control Share Acquisition Statute do not apply to the merger. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The IBCL specifically authorizes Indiana corporations to issue options, warrants, or rights for the purchase of shares or other securities of
the corporation or any successor in interest of the corporation. These options, warrants, or rights may, but need not be, issued to shareholders on a pro rata basis. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The IBCL specifically authorizes directors, in considering the best interests of a corporation, to consider the effects of any action on
shareholders, employees, suppliers, and customers of the corporation, and communities in which offices or other facilities of the corporation are located, and any other factors the directors consider relevant. As described above, both the Horizon
Articles and the Peoples Articles contain a provision having a similar effect. Under the IBCL, directors are not required to approve a proposed business combination or other corporate action if the directors determine in good faith that such
approval is not in the best interests of the corporation. In addition, the IBCL states that directors are not required to redeem any rights under, or render inapplicable, a shareholder rights plan or to take or decline to take any other action
solely because of the effect such action might have on a proposed change of control of the corporation or the amounts to be paid to shareholders upon such a change of control. The IBCL explicitly provides that the different or higher degree of
scrutiny imposed in Delaware and certain other jurisdictions upon director actions taken in response to potential changes in control will not apply. The Delaware Supreme Court has held that defensive measures in response to a potential takeover must
be &#147;reasonable in relation to the threat posed.&#148; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In taking or declining to take any action or in making any recommendation to a
corporation&#146;s shareholders with respect to any matter, directors are authorized under the IBCL to consider both the short-term and long-term interests of the corporation as well as interests of other constituencies and other relevant factors.
Any determination made with respect to the foregoing by a majority of the disinterested directors shall conclusively be presumed to be valid unless it can be demonstrated that such determination was not made in good faith. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Because of the foregoing provisions of the IBCL, the Horizon board and the Peoples board each has flexibility in responding to unsolicited
proposals to acquire Horizon or Peoples, as the case may be, and accordingly it may be more difficult for an acquiror to gain control of Horizon or Peoples in a transaction not approved by the respective boards of directors. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I>Federal Limitations</I>. Subject to certain limited exceptions, the Bank Holding Company Act and the Change in Bank Control Act, together
with related regulations, require approval of the Federal Reserve Board prior to any person or company acquiring &#147;control&#148; of a bank holding company. Control is conclusively presumed to exist if an individual or company acquires 25% or
more of any class of voting securities of the bank holding company. Control is rebuttably presumed to exist if a person or company acquires 10% or more, but less than 25%, of any class of voting securities and either the bank holding company has
registered securities under Section&nbsp;12 of the Securities Exchange Act of 1934 or no other person owns a greater percentage of that class of voting securities immediately after the transaction.<I> </I></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">As the holding company of a federal savings association, Peoples is regulated as a non-diversified savings and loan holding company under the
Home Owners&#146; Loan Act, as amended (&#147;HOLA&#148;). With limited exceptions, HOLA and Regulation LL implemented by the Federal Reserve Board generally prohibit any person from acquiring control of a savings and loan holding company without
the prior approval of the Federal Reserve Board. Control is conclusively presumed if the acquiror gains 25% or more of the voting stock of the savings association. Control is rebuttably presumed to exist if a person acquires 10% or more, but less
than 25%, of any class of voting securities and either the savings and loan holding company has registered securities under Section&nbsp;12 of the Securities Exchange Act of 1934 or no other person owns a greater percentage of that class of voting
securities immediately after the transaction. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">92 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="tx915197_112"></A>OTHER MATTERS TO BE CONSIDERED AT THE HORIZON ANNUAL MEETING
</B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_113"></A>Election of Directors (Item 2 on the Horizon Proxy Card) </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Also at the Horizon Annual Meeting, Horizon&#146;s shareholders will act upon the election of directors. Horizon&#146;s board of directors
currently consists of eleven members. As required by Horizon&#146;s Amended and Restated Articles of Incorporation, the board is divided into three classes of equal or near-equal size and the members of one class of directors are elected to serve
three-year terms at each annual meeting. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>Director Qualifications and Diversity </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Horizon is a community bank that operates in a heavily regulated industry and relies on its board of directors for local knowledge and business
acumen. Horizon believes its board should be composed of individuals with business or academic experience that have made a positive impact on its business and the local community. In addition, Horizon&#146;s directors are expected to meet the
standards outlined below. Horizon believes that all of its current board members possess the professional and personal qualifications necessary for effective board service, and Horizon has highlighted particularly noteworthy attributes for each
board member in the individual biographies below. In addition, several of Horizon&#146;s board members have numerous years of service on the board and have served through multiple economic cycles. Horizon believes this experience has provided them
with significant and valuable understanding of Horizon&#146;s business, the regulatory requirements, and the industry in which it competes. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Horizon&#146;s directors have considerable professional and business acumen, are well educated and are engaged in the local communities served
by Horizon. Five members of Horizon&#146;s board of directors qualify as &#147;audit committee financial experts,&#148; which is a considerable number for a company of Horizon&#146;s size. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Horizon&#146;s directors actively participate in continuing education, with each director completing 100% of their 2014 and 2013 assigned
educational programs. In addition, several directors attended outside training programs in the areas of audit, compensation, lending, fraud and regulatory compliance. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Horizon&#146;s board of directors believes that the board, as a whole, should have a diverse range of characteristics and skills to function
at an optimal level in exercising its oversight. The board&#146;s Nominating Committee is authorized by Horizon&#146;s Bylaws to select Horizon&#146;s nominees to serve as directors. The Nominating Committee Charter requires the Committee, before it
selects a nominee for election or re-election or recommends a director to fill a vacancy, to review and evaluate: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">the nominee&#146;s qualifications, including judgment, skill, capability, ability to serve, conflicts of interest, business experience, the interplay of the candidate&#146;s experience with that of the other board
members, the extent to which a candidate would be a desirable addition to the board and any committee of the board; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">if applicable to the nominee, whether the nominee would be deemed &#147;independent&#148; under marketplace rules of the NASDAQ Stock Market and SEC regulations; </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">whether the nominee is qualified and likely to remain qualified to serve under Horizon&#146;s Bylaws; and </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">such other factors the Committee deems relevant. </TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Nominating Committee Charter also
provides that in determining whether to select incumbent directors for re-election to the board, the Committee must consider the director&#146;s past participation and contribution to the board. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Nominating Committee applies a broad concept of diversity, which includes all of the criteria listed in the Nominating Committee Charter
together with other factors such as the nominee&#146;s age, leadership abilities, continuous learning and the location of the nominee&#146;s residence and place of business. Although Horizon does not have a diversity policy, when the Nominating
Committee seeks new director candidates to add to the board or to replace directors who have resigned or recommends the re-election of incumbent directors, the Nominating Committee selects director nominees on the basis of all of these criteria with
the goal of finding the best qualified person to meet Horizon&#146;s needs. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">With respect to geographic diversity, the Nominating
Committee considers whether current directors and nominees reside and/or have a place of business in the cities and counties in which Horizon Bank has branches and in which the bank is considering to locate future branches. Each of Horizon&#146;s
current directors lives and works (unless retired) in the markets served by Horizon. With respect to skill set diversity, the Nominating Committee seeks to have directors and nominees with not only experience and expertise related to banking but
also in a broad range of other professions. The board currently </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">93 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
consists of members with expertise in manufacturing, academia, accounting, law, finance, collections, receivable management, real estate sales, real estate development, construction management
and architecture. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Nominating Committee also considers the age of director nominees and current directors. Horizon&#146;s Bylaws
provide that a nominee who is not currently serving on the board must not have reached his or her sixtieth birthday as of the date of the shareholder meeting at which the nomination will be considered or as of the date the nominee is elected to fill
a board vacancy. The Bylaws also specify that directors may continue to serve until the end of the year in which they reach their seventy-fifth birthday. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>Nominees </I></B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The
terms of Lawrence E. Burnell, Peter L. Pairitz, and Spero W. Valavanis will end at the Annual Meeting. The board of directors has nominated each of them to serve additional three-year terms as members of the Class of 2018. Information on the
nominees and the other members of the Horizon board of directors is provided below. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>The board of directors unanimously recommends that
the shareholders vote &#147;FOR&#148; the election of the three nominees (Item 2 on the Horizon proxy card). </B></P> <P STYLE="margin-top:18pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>Members of the
Board of Directors </I></B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The following table presents biographical information on all of the directors, including the three nominees,
and information regarding the director&#146;s experiences, qualifications, attributes or skills that have caused the Nominating Committee and the board to determine that the director should continue to serve on Horizon&#146;s board. All of the
directors of Horizon also serve as directors of Horizon Bank. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="18%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="3%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="75%"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE="border-bottom:1.00pt solid #000000; width:25.00pt; font-size:10pt; font-family:Times New Roman"><B>Name</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Age</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Business Experience and Service as a
Director</B></P></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><B><U>Class of 2018</U></B></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Lawrence E. Burnell</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">60</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Mr. Burnell is the Vice Chairman of White Lodging Services Corporation, a national hotel management and development company, and has also
served as the Chief Operating Officer and Chief Financial Officer. He has over thirty-eight years of financial management experience. He has served on Horizon&#146;s Board of Directors since 2009 and on the Board of Directors of the Bank since
September 2007. Mr. Burnell has a B.S. in accounting, has passed the CPA exam and has ten years of experience serving with a national public accounting firm. If Mr. Burnell were serving on the Audit Committee, he would qualify as an audit committee
financial expert under SEC rules.</P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Mr. Burnell has extensive experience and knowledge
in real estate development, trends in commercial real estate values, management of a large and complex service organization, finance and accounting. Mr. Burnell&#146;s extensive commercial real estate background provides Horizon&#146;s Loan
Committee with important insight into this industry, which is especially valuable during the current economic climate. In addition, Mr. Burnell&#146;s extensive accounting, management and service industry experience provides an important perspective
to Horizon&#146;s Board of Directors.</P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">94 </P>


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


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="18%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="3%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="75%"></TD></TR>

<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE="border-bottom:1.00pt solid #000000; width:25.00pt; font-size:10pt; font-family:Times New Roman"><B>Name</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Age</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Business Experience and Service as a
Director</B></P></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Peter L. Pairitz</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">59</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Mr. Pairitz is a business developer who focuses on consulting with small business owners regarding all aspects of business ownership,
including financing alternatives, and he has management responsibilities for several types of businesses. He is a CPA with public accounting firm experience in auditing and managing audits of financial institutions. He has served on Horizon&#146;s
Board of Directors since 2001 and on the Board of Directors of the Bank since 2000. If Mr. Pairitz were serving on the Audit Committee, he would quality as an audit committee financial expert under SEC rules.</P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Mr. Pairitz has extensive knowledge and experience in finance, accounting, audit,
manufacturing, real estate development and of the local business community. Mr. Pairitz&#146; business experiences, local knowledge and attention to detail are very important to Horizon&#146;s Board of Directors. In addition, Mr. Pairitz has
continued his outside board education in the areas of credit and compensation trends and has shared his knowledge and experience with the Loan and Compensation Committees of the Board.</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Spero W. Valavanis</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">62</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Mr. Valavanis is an architect and has thirty-nine years&#146; experience in planning, design, business management and marketing as the
President of Design Organization, Inc., an architecture, engineering and interior design firm. He has served on Horizon&#146;s Board of Directors since 2000 and on the Board of Directors of the Bank since 1998.</P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Mr. Valavanis has extensive knowledge and experience in architecture, design, construction
management and of the local business, municipal and not-for-profit communities. Mr. Valavanis has continued his director education with a focus on asset and liability management and on trust matters. Mr. Valavanis&#146; professional background,
local market knowledge and community involvement are important contributions to Horizon&#146;s Board of Directors.</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE="border-bottom:1.00pt solid #000000; width:25.00pt; font-size:10pt; font-family:Times New Roman"><B>Name</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Age</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Business Experience and Service as Director</B></P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE="border-bottom:1.00pt solid #000000; width:56.15pt; font-size:10pt; font-family:Times New Roman"><B>Class of 2017</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Craig M. Dwight</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">58</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Since July 1, 2013, Mr. Dwight has held the position of Chairman and Chief Executive Officer of Horizon. He has served as the Chief Executive
Officer of Horizon and the Bank since July 1, 2001, and as the President and Chief Administrative Officer of Horizon and as the Chairman and Chief Executive Officer of the Bank since December 1998. He has served on Horizon&#146;s Board of Directors
and the Board of Directors of the Bank since 1998. He has thirty-five years of banking experience, including experience as a senior commercial loan officer, branch manager, human resources director, senior credit officer and chief executive officer.
He has a business degree with a concentration in accounting.</P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Mr. Dwight has extensive
knowledge and experience in banking, credit underwriting, balance sheet management, liquidity management, finance, accounting and banking rules and regulations. In addition, Mr. Dwight has considerable knowledge of the local business, municipal and
not-for-profit communities. Mr. Dwight has served in leadership roles with a considerable number of local not-for-profit organizations, including leading several fund raising campaigns. Mr. Dwight&#146;s intimate knowledge of Horizon&#146;s business
and his leadership during this recent economic recession and ability to look for new opportunities for Horizon makes him a valuable member of Horizon&#146;s Board of Directors.</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">James B. Dworkin</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">66</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Mr. Dworkin is the Chancellor of Purdue University North Central. He has over thirty years of experience in education and has a business school background and a Ph.D. in Industrial Relations. He has served on Horizon&#146;s Board of
Directors since 2003 and on the Board of Directors of the Bank since 2002.</TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">95 </P>


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


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="18%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="3%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="75%"></TD></TR>

<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE="border-bottom:1.00pt solid #000000; width:25.00pt; font-size:10pt; font-family:Times New Roman"><B>Name</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Age</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Business Experience and Service as Director</B></P></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Mr. Dworkin has extensive knowledge and experience in academia, negotiations, business administration, and management of a large organization. In addition, Mr. Dworkin has considerable knowledge of local business and not-for-profit
organizations. Mr. Dworkin regularly shares his local and national insights with the Board and senior management. In addition, due to his extensive knowledge of the local community, he provides considerable insight into current local events. Mr.
Dworkin&#146;s community knowledge, ability to work with others and consensus building abilities are valuable contributions to Horizon&#146;s Board of Directors.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Daniel F. Hopp</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">67</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Mr. Hopp retired in June 2011 as Senior Vice President, Corporate Affairs, and General Counsel of Whirlpool Corporation, a Fortune 500
company located within Horizon&#146;s market area. He has a law degree and has over twenty-five years&#146; experience working with a publicly traded corporation. He has served on Horizon&#146;s Board of Directors since 2005 and on the Board of
Directors of the Bank since 2004. He has served as the Lead Director of Horizon&#146;s Board of Directors since July 1, 2013.</P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Mr. Hopp has extensive knowledge and experience in manufacturing, management of a large and complex organization, corporate law and the rules and regulations
applicable to large publicly traded companies. Mr. Hopp&#146;s educational and professional background is rarely found on a community bank board. In addition, Mr. Hopp is very active in the local not-for-profit community. At Horizon&#146;s Board
meetings, Mr. Hopp regularly provides invaluable insights based on his professional and educational experiences, and he has the ability to look at complex problems from a different perspective. Mr. Hopp is a valuable member of Horizon&#146;s Board
of Directors.</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Steven W. Reed</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">52</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Mr. Reed is a partner with the firm of BGBC Partners, LLP, an Indianapolis full service accounting and business consulting firm. He was a
Board member of Heartland Community Bank from 2006 until July 2012. He has served on the Board of Directors of the Bank since August 2012. He has a B.S. in Business with a concentration in finance. Mr. Reed is a Certified Public Accountant and has
been practicing since 1985. Additionally, Mr. Reed holds the appellations &#147;Accredited in Business Valuation (ABV)&#148; and &#147;Certified in Financial Forensics (CFF).&#148; These accreditations recognize special training, testing, and
qualification in business valuation and in forensic accounting through the American Institute of Certified Public Accountants.</P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Mr. Reed possesses particular knowledge and experience in finance, accounting, tax, and business valuation as it relates to closely held business. His
experience will provide Horizon considerable expertise and insight into these areas.</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE="border-bottom:1.00pt solid #000000; width:25.00pt; font-size:10pt; font-family:Times New Roman"><B>Name</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Age</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Business Experience and Service as a
Director</B></P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE="border-bottom:1.00pt solid #000000; width:56.15pt; font-size:10pt; font-family:Times New Roman"><B>Class of 2016</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Susan D. Aaron</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">60</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Ms. Aaron is the President and Chief Executive Officer of Vision Financial Services, Inc., LaPorte, Indiana, an accounts receivable
management business in which she has more than thirty years&#146; experience. She has served on Horizon&#146;s Board of Directors since 1995 and on the Board of Directors of the Bank since 1993. Ms. Aaron has a degree in finance and an M.B.A. If Ms.
Aaron were serving on the Audit Committee, she would qualify as an audit committee financial expert under SEC rules.</P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Ms. Aaron possesses particular knowledge and experience in accounts receivable management, collection services and their related rules and regulations,
finance, accounting, management and local market knowledge as it relates to the small business community and not-for-profit organizations. Ms. Aaron&#146;s extensive experience provides significant insight and expertise
to</P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">96 </P>


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


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="18%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="3%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="75%"></TD></TR>

<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE="border-bottom:1.00pt solid #000000; width:25.00pt; font-size:10pt; font-family:Times New Roman"><B>Name</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Age</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Business Experience and Service as a
Director</B></P></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Horizon&#146;s Board, particularly as they apply to commercial lending, accounts receivable management and knowledge of the local community.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Charley E. Gillispie</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">67</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Mr. Gillispie serves as a Special Assistant to the President and was formerly Senior Vice President of Administration and Finance at
Valparaiso University from 1996 to June 30, 2013. He is a registered CPA with over thirty-five years of accounting experience. He has an undergraduate degree in business administration and an M.B.A. with an emphasis in accounting. He has served on
Horizon&#146;s Board of Directors since 2001 and on the Board of Directors of the Bank since 2000. Mr. Gillispie qualifies as an audit committee financial expert under SEC rules.</P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Mr. Gillispie possesses particular knowledge and experience in finance, audit, accounting,
administration, investment management and local market knowledge as it relates to small business and not-for-profit organizations. Mr. Gillispie&#146;s extensive bank audit, accounting, investment and administration experience provides Horizon
considerable expertise and insight into these areas. In addition, Mr. Gillispie has attended outside continuing director educational programs with a focus on audit. Mr. Gillispie has used his professional experiences and knowledge to provide good
oversight of Horizon&#146;s audit and asset liability committees.</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Larry N. Middleton</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">62</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Mr. Middleton is a real estate broker and the President of Century 21 Middleton Co., Inc. in Michigan City, Indiana, a company he has owned
and led for the past thirty-six years. He has a background in marketing and sales. He has served on Horizon&#146;s Board of Directors since 1995 and on the Board of Directors of the Bank since 1993.</P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Mr. Middleton possesses particular knowledge and experience in sales management, the local
real estate market and real estate rules and regulations that strengthen the Board&#146;s collective qualifications, skills and experiences as it relates to real estate. Given the current distressed real estate market, Mr. Middleton&#146;s local
knowledge and insight is extremely valuable to Horizon.</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Robert E. Swinehart</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">72</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Mr. Swinehart is the retired President and Chief Operating Officer of Emerson Power Transmission Corp. His business responsibilities included
long-range strategic planning, budgeting, financial reporting, management of manufacturing operations and supply chain management, and he has held leadership roles in an industry trade association and in a number of community organizations. He has
served on Horizon&#146;s Board of Directors since 1998 and on the Board of Directors of the Bank since 1996. Mr. Swinehart has an M.B.A. and qualifies as an audit committee financial expert under SEC rules.</P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Mr. Swinehart&#146;s extensive knowledge and experience in manufacturing, supply chain
management, finance and accounting has provided considerable strength to Horizon&#146;s Board of Directors. Mr. Swinehart&#146;s management experience in a large and complex organization has provided Horizon with important professional contacts and
insight into managing larger organizations. In addition, Mr. Swinehart has attended outside director continuing education and has shared his educational experience with the other board members.</P></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Each of the nominees has agreed to serve for the term for which he has been nominated. It is intended that the
proxies solicited by the board of directors will be voted for the nominees named above. If any nominee is unable to stand for election, the board of directors may designate a substitute nominee or adopt a resolution reducing the number of members on
the board. If a substitute nominee is designated, the Horizon common shares represented by proxy will be voted for the substituted nominee. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">97 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_114"></A>Corporate Governance </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>Director Independence </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Annually Horizon&#146;s board of directors considers the independence of each of the directors under the listing standards of the NASDAQ Stock
Exchange. In determining independence, the board considers, among other things, current or previous employment relationships as well as material transactions and relationships between Horizon or Horizon Bank and the directors, members of their
immediate family and entities in which the directors have a significant interest. The purpose of this review is to determine whether any relationships or transactions exist or have occurred that are inconsistent with a determination that the
director is independent. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The board of directors has determined that ten of the eleven current members of the board qualify as independent
directors under SEC rules and the NASDAQ Listing Standards. The independent directors on the board are Susan D. Aaron, Lawrence E. Burnell, James B. Dworkin, Charley E. Gillispie, Daniel F. Hopp, Larry N. Middleton, Peter L. Pairitz, Steven W. Reed,
Robert E. Swinehart and Spero W. Valavanis. Mr.&nbsp;Dwight, who serves as Horizon&#146;s Chairman and Chief Executive Officer, does not qualify as an independent director because of the positions he holds with Horizon and Horizon Bank. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Members of the Audit, Compensation and Nominating Committee must meet all applicable independence tests of The NASDAQ Stock Exchange and the
SEC. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>Board Leadership Structure </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Horizon&#146;s board of directors believes that each business is unique, and therefore, board leadership structure should vary depending upon
each company&#146;s circumstances and needs as they evolve over time. The positions of Chief Executive Officer and Chairman of the Board currently are held by Craig M. Dwight. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">On April&nbsp;16, 2013, the Horizon board of directors amended Horizon&#146;s Bylaws to provide that if the offices of Chairman of the Board
and Chief Executive Officer are held by the same person, then the independent members of the board are required to appoint one of the incumbent, independent directors to serve as the Lead Director. The selection process, term, qualifications,
authority and responsibilities and other provisions governing the role of the Lead Director are set forth in the Charter of the Lead Independent Director, which the board adopted on April&nbsp;16, 2013. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Effective July&nbsp;1, 2013, the board appointed Daniel Hopp as the Lead Director. In accordance with Horizon&#146;s Lead Director Charter,
the Lead Director calls and presides at executive sessions of the independent directors; coordinates the activities and communications among independent directors; presides at all meetings of the board at which the Chairman is not present or if
circumstances arise in which the role of the Chairman is, or may be perceived to be, in conflict; approves the meeting schedules for independent directors and sets and reviews the agendas for executive sessions of the independent directors; and may
attend committee meetings of any committee of the board of directors. The Lead Director serves as the principal liaison between the independent directors and the CEO and other members of senior management on matters of corporation policy, strategy,
executive management performance and other matters, such as by: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Consulting with the Chief Executive Officer regarding any concerns of the directors about Horizon or its performance, the Chief Executive Officer&#146;s performance, and the performance of other executive management.
</TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Providing input to the Chairman and Chief Executive Officer and the Corporate Secretary on the preparation of agendas for board and committee meetings. </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Advising the Chairman on the quality, quantity, usefulness and timeliness of information provided to directors to support the work of the board of directors and committees. </TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In addition, at the direction of the full board of directors, the Lead Director may authorize the retention by Horizon of outside advisors and
consultants to report directly to the board of directors. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The positions of Chairman of the Board and Chief Executive Officer are held by
the same person. The board has determined that it is in the best interests of Horizon to consolidate these positions due to Mr.&nbsp;Dwight&#146;s unique experiences and Horizon&#146;s corporate governance practice of having an independent lead
director when these two positions are consolidated. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Mr.&nbsp;Dwight&#146;s extensive banking background experience in the States of
Indiana and Michigan; his demonstrated ability to lead complex organizations; his proven leadership during varying economic cycles; his forward and strategic thinking; his personal integrity; his demonstrated ability to hold the interests of the
company above his own personal interests; his ability to recruit and retain an outstanding executive leadership team with similar values and beliefs; and his </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">98 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
willingness to seek and receive outside counsel provides him with the unique ability to hold both offices of Chairman and Chief Executive Officer. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">All of the directors on the board, other than Mr.&nbsp;Dwight, qualify as independent under the NASDAQ rules. The key standing
committees&#151;the Audit Committee, the Compensation Committee and the Nominating Committee&#151;are comprised entirely of independent directors and provide independent oversight of management. In addition, the board and the board&#146;s key
standing committees meet in executive session without the presence of Mr.&nbsp;Dwight. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>Communications with Directors </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Shareholders may communicate directly with the board of directions or individual members of the board of directors in writing by sending a
letter to the board at: Horizon Bancorp Board of Directors, 515 Franklin Square, Michigan City, Indiana 46360. All communications directed to the board of directors will be transmitted to the Chairman of the Board of Directors or other director
identified in the communication without any editing or screening. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Shareholders also may communicate concerns, suggestions or questions to
any member of the board of directors or member of senior management by logging onto the www.ethicspoint.com website from any computer at any time or by calling the toll-free hotline number, 866-294-4694. Ethicspoint is a worldwide, confidential and
anonymous web and telephone reporting system that allows shareholders, customers, vendors and employees the ability to report concerns, as well as pose questions and suggestions confidentially and anonymously. Ethicspoint is fully compliant with
reporting requirements such as those mandated by the Sarbanes-Oxley Act, Section&nbsp;301. All communications received through Ethicspoint, either by web or telephone, are transmitted directly to the Chairperson of the board&#146;s Audit Committee
and designated members of senior management, without editing or screening. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>Code of Ethics </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Horizon&#146;s Code of Ethics for Executive Officers and Directors supplements the Horizon Bancorp and Horizon Bank, Advisor Code of Conduct
and Ethics applicable to all employees, including officers. Horizon&#146;s Code of Ethics for Executive Officers and Directors is available on Horizon&#146;s website at www.horizonbank.com in the section headed &#147;About Us&#151;Investor
Relations&#148; under the caption &#147;Corporate Governance.&#148; </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>Director Nomination Procedures </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Horizon&#146;s Bylaws provide that any of the following may nominate director candidates: the board of directors, a nominating committee of the
board, any person appointed and authorized by the board to make nominations, or any shareholder entitled to vote for the election of directors who has complied with the notice procedures specified in the Bylaws. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Horizon&#146;s Bylaws provide that nominations by shareholders must be made in writing and must be received at Horizon&#146;s principal
executive office not fewer than 120 days in advance of the date the proxy statement was released to shareholders in connection with the previous year&#146;s annual meeting. Shareholder nominations must include the detailed information about the
nominee required by the Bylaws and also must comply with the other requirements set forth in the Bylaws. The Nominating Committee does not have a separate policy for considering director candidates recommended by shareholders because the director
nomination procedures are set forth in Horizon&#146;s Bylaws. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Horizon&#146;s Bylaws provide that the chair of the Annual Meeting may, in
his or her discretion, disregard nominations that are not made in accordance with the Bylaws and may instruct the tellers of election to disregard all votes cast for any such nominee. A complete copy of the applicable provisions of Horizon&#146;s
Bylaws is available to shareholders without charge upon request to the Secretary. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>Meetings of the Board of Directors and Committees
</I></B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Horizon&#146;s board of directors held 16 meetings during 2014, and each director attended 75% or more of the total number of
meetings of the board and the committees upon which he or she served. Horizon and its subsidiaries have joint standing committees. These committees include the Audit Committee, the Compensation Committee and the Nominating Committee. Executive
sessions of the independent directors are held at least four times a year. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Although Horizon does not have a policy regarding the
attendance of directors at the annual meeting of shareholders, Horizon encourages directors to attend the annual meeting. Nine of the then-current ten members of the board of directors attended the 2014 annual meeting. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">99 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>Nominating Committee </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The members of the Nominating Committee are appointed by the board of directors in May of each year. The members of the Nominating Committee
for 2014/2015 are Mr.&nbsp;Hopp, who serves as Chairperson, and Mr.&nbsp;Pairitz and Mr.&nbsp;Swinehart. In addition, Ms.&nbsp;Aaron serves as an alternate member of the Nominating Committee to provide additional expertise and support as needed. All
of the members of the Nominating Committee qualify as independent directors under the rules applicable to NASDAQ-listed companies. The Nominating Committee met six times during 2014. The responsibilities of the Nominating Committee of the Board of
Directors include selecting the individuals to be nominated for membership on the board of directors and overseeing the annual self-evaluations by the board and its committees. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Nominating Committee selects a slate of nominees and then recommends those nominees to the board of directors. The entire board of
directors determines who the nominees will be. The Nominating Committee and the board select nominees who meet the qualifications set forth in Horizon&#146;s Bylaws and the applicable independence requirements under the SEC and NASDAQ rules. The
Nominating Committee Charter is posted on Horizon&#146;s website at www.horizonbank.com in the section headed &#147;About Us&#151;Investor Relations&#148; under the caption &#147;Corporate Governance.&#148; </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>Audit Committee </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Audit Committee members serve one-year terms and are appointed at the annual meeting of directors in May of each year. The Audit Committee
members for 2014/2015 are Mr.&nbsp;Gillispie, who serves as Chairperson, Mr.&nbsp;Dworkin, Mr.&nbsp;Middleton and Mr.&nbsp;Swinehart. The Audit Committee met four times in 2014. The purpose of the Audit Committee is to assist the boards of directors
of Horizon and Horizon Bank in fulfilling their statutory and fiduciary responsibilities with respect to examinations of Horizon, Horizon Bank, and their affiliates and the monitoring of accounting, auditing and financial reporting practices. The
Audit Committee reviews the internal audit procedures of Horizon and Horizon Bank and recommends to the boards of directors the engagement of outside and internal auditing firms. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Horizon&#146;s board of directors has determined that directors Charley E. Gillispie and Robert E. Swinehart qualify as &#147;audit committee
financial experts&#148; as defined by the SEC rules. Mr.&nbsp;Gillispie has a Bachelor of Business Administration degree and an M.B.A. in accounting, and is a registered certified public accountant and has seventeen years of public accounting
experience. Mr.&nbsp;Swinehart has an M.B.A. and his experience includes serving with companies in the positions of controller, president and chief operating officer and having responsibility for financial reporting and analysis. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">All of the members of the Audit Committee, including Mr.&nbsp;Gillispie, qualify as independent directors as defined by the SEC rules and
NASDAQ listing standards. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The board of directors adopted a written charter for the Audit Committee in 2001. The charter was most recently
revised in November 2014, and is posted on Horizon&#146;s website at www.horizonbank.com in the section headed &#147;About Us&#151;Investor Relations&#148; under the caption &#147;Corporate Governance.&#148; </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>Compensation Committee </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Compensation Committee members serve one-year terms and are appointed at the annual meeting of directors in May of each year. The members of
the Compensation Committee for 2014/2015 are Mr.&nbsp;Hopp, who serves as Chairperson, and Ms.&nbsp;Aaron, Mr.&nbsp;Pairitz and Mr.&nbsp;Swinehart. All of the members of the Compensation Committee qualify as independent directors under the NASDAQ
rules. The Compensation Committee met five times in 2014. The Committee reviews salary and employee benefit issues relating to employees and directors of Horizon, Horizon Bank, and their affiliates. The Compensation Committee has adopted a charter,
which was amended on September&nbsp;16, 2014, and which is posted on Horizon&#146;s website at www.horizonbank.com in the section headed &#147;About Us&#151;Investor Relations&#148; under the caption &#147;Corporate Governance.&#148; </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>Compensation Committee Interlocks and Insider Participation </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">All of the members of the Compensation Committee are independent and no member of the Compensation Committee has served as an officer or
employee of Horizon, Horizon Bank, or any of Horizon&#146;s other subsidiaries. None of the members of the Compensation Committee serves as an executive officer of another entity at which one of Horizon&#146;s executive officers serves as a member
of the board of directors. No member of the Compensation Committee has had any relationship with Horizon requiring disclosure under Item&nbsp;404 of SEC Regulation S-K, which requires the disclosure of certain related person transactions. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">100 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>Compensation Consultants </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Compensation Committee has the authority under its charter to retain outside consultants to provide assistance. At least every three years,
the Compensation Committee engages a compensation consultant to conduct a review of executive compensation. A primary function of the consultant is to provide market data to the Committee concerning compensation of comparable companies in order to
assist the Committee in determining whether Horizon&#146;s compensation system in effect is a reasonable and appropriate means for achieving Horizon&#146;s business objectives. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In accordance with the Compensation Committee&#146;s authority, the Compensation Committee has engaged Frederic W. Cook&nbsp;&amp; Co., Inc.
(&#147;Cook&nbsp;&amp; Co.&#148;) on a number of occasions since 2002. In December 2014, Cook&nbsp;&amp; Co. reported to the Compensation Committee on the findings from its analysis of Horizon&#146;s named executive officers&#146; compensation. In
2013, the Compensation Committee also engaged Cook&nbsp;&amp; Co. to conduct a review of executive compensation, as it has done multiple times since 2002. To evaluate the reasonableness of Horizon&#146;s executive compensation, the Compensation
Committee annually obtains surveys from accounting firms and other sources and augments that data with the Cook&nbsp;&amp; Co. reviews, which are more extensive and include peer comparison of cash, short-term compensation and long-term compensation.
Cook&nbsp;&amp; Co.&#146;s reports over the last five years have provided the Compensation Committee with an updated competitive survey, and the Compensation Committee has relied primarily on these surveys in reaching its decisions in recent years
on compensation and to compare the reasonableness of total compensation for the named executive officers. In addition, Cook&nbsp;&amp; Co.&#146;s reports have reviewed long-term equity compensation awards to the named executive officers in
comparison with peer data and acceptable banking practices. Cook&nbsp;&amp; Co. provides no other services to Horizon. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>Performance
Reviews </I></B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Compensation Committee conducts an annual review of the performance of Mr.&nbsp;Dwight, who serves as Horizon&#146;s
President and Chief Executive Officer and as Chairman of the Board of Directors. In addition, the Compensation Committee, with input from the Chief Executive Officer, reviews the performance of Horizon&#146;s other executive officers. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In conducting its review, the Compensation Committee considers a variety of performance factors in analyzing the compensation of each of these
executive officers. These factors generally include traditional financial results, positioning Horizon for future success and enterprise risk management. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The financial services business is complex and is undergoing changes that generate uncertainties about future events. The Chief Executive
Officer must provide guidance and leadership in nearly all aspects of this dynamic enterprise. In the process, however, he is not expected to work alone. The performance evaluation recognizes that programs initiated at the top level of an
organization are not, and should not be expected to be, &#147;quick fixes.&#148; These programs are generally long-term in nature, bringing benefits to Horizon over many years. For those reasons, the Compensation Committee also focuses on the
following issues in determining performance levels for the Chief Executive Officer: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B>Strategic Leadership</B>: Strategic leadership entails development of appropriate strategies for Horizon and the ability to gain support for those strategies. </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B>Enterprise Guardianship</B>: Enterprise guardianship requires the Chief Executive Officer to set the tone in such matters as Horizon&#146;s reputation, ethics, legal compliance, customer relations, employee relations
and ensuring results. </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B>Risk Management</B>: Risk management requires the Chief Executive Officer to maintain a strong risk management culture, to provide oversight of key risks including financial reporting, reputation, asset quality,
compliance with all banking rules and regulations and to assure proper maintenance of good internal controls and processes. </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B>Board Relationship</B>: Board relationship requires the Chief Executive Officer to work collaboratively with board members and committees, communicate information in a timely manner to ensure full and informed
consent about matters of corporate governance and provide complete transparency to the board. </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B>Financial Results</B>: Financial results focus on the overall financial health of Horizon and ability to achieve financial goals. </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B>Talent, Retention&nbsp;&amp; Training</B>: The Chief Executive Officer is required to recruit, attract and retain an exceptional leadership team in order to effectively run the organization today and in the future.
In addition, continuous organizational learning is a key focal point for the Chief Executive Officer and ongoing training is vital to Horizon&#146;s continued success. </TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">101 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In conducting the Chief Executive Officer&#146;s performance review for 2014, the Compensation
Committee obtained input from all members of the board. A significant portion of management compensation, including that of the Chief Executive Officer and the other executive officers, is performance related. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>Risk Management and Compensation Policies and Practices </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Horizon monitors its incentive and commission based compensation plans through an incentive compensation and commission plan matrix that
provides a schedule of all plans, associated risks and how the risks are mitigated. This matrix is reviewed by the Compensation Committee in a private session with Horizon&#146;s Senior Auditor. Horizon&#146;s incentive compensation plans minimize
undue risk taking through plan design, incentive compensation caps and Compensation Committee oversight. Plan design provides the Compensation Committee with the ability to change, modify or cancel any incentive compensation plan at the
Committee&#146;s sole discretion. In addition, all material incentive compensation payouts, excluding commissions paid to mortgage loan originators, are subject to Horizon&#146;s achievement of minimum cash flow coverage to cover dividends and fixed
costs at the holding company, and individual employee performance that is satisfactory to Horizon. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The SEC&#146;s compensation risk rules
provide that if a public company&#146;s compensation policies and practices create risks that are reasonably likely to have a material adverse effect on the company, then the company must provide disclosures addressing the compensation policies and
practices as they relate to risk management and risk-taking incentives with respect to all employees and to disclose in their proxy statements whether a company&#146;s compensation policies and practices create risks that are reasonably likely to
have a material adverse effect on the company. Horizon reviewed its compensation policies and practices for all employees on December&nbsp;16, 2014, including executive officers, and has determined that those policies and practices are reasonable
and unlikely to have a material adverse effect on Horizon. Horizon believes that the design and oversight of its compensation plans help ensure that the plans do not encourage excessive risk taking. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>Enterprise Risk Management </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In conjunction with Horizon&#146;s Enterprise Risk Management Policy, the Senior Auditor, who serves as Horizon&#146;s senior risk officer, and
other members of senior management meet annually with all business units to discuss risks related to their areas and how risks are mitigated. The risks are then classified as follows: </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">High &#150; potential material threat to the enterprise. </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Moderate &#150; not a material threat to the enterprise, however could impact current year&#146;s performance. </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Low &#150; minimal threat to the enterprise. </TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">High level risks have established metrics and
are reviewed quarterly with Horizon&#146;s board or board committees as discussed below. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">As part of its oversight function, the board and
its committees monitor how management operates Horizon and maintains internal controls and processes. When granting authority to management, approving strategies and receiving management reports, the board considers, among other things, the risks
and vulnerabilities faced by Horizon. The Audit Committee considers risks associated with Horizon&#146;s overall financial reporting, the disclosure process, compliance with all rules and regulations and risk control policies and procedures. At its
regularly scheduled quarterly meetings, the Audit Committee meets in executive session with Plante&nbsp;&amp; Moran, PLLC, which serves as Horizon&#146;s internal auditor (the &#147;Internal Auditor&#148;), the Senior Auditor and Horizon&#146;s
independent registered public accounting firm. High-level risks are reviewed with the Audit Committee at each meeting. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The board
committees review high-level risks associated in the area of their responsibilities. The Asset Liability Committee reviews risks related to liquidity, interest rates, quality of the investment portfolio, operations, facilities and information
security. The Loan Committee reviews risks related to credit, loan concentrations, community reinvestment and compliance with lending rules and regulations. In 2014, the Compensation Committee met one time in executive session with the Senior
Auditor to review Horizon&#146;s incentive compensation plans to be certain that employees are not incentivized to take undue risks, and the Compensation Committee anticipates that it will meet one time during 2015 to conduct a similar review. All
identified high-level risks have established metrics that are reviewed by Horizon&#146;s board or its committees. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I></I>The matrices for
the Executive Officer Bonus Plan have included &#147;Enterprise Risk Management&#148; as a category since 2009. For information about the Executive Officer Bonus Plan and matrices, see the discussion under the caption &#147;<I>Annual
Performance-Based Incentive Compensation</I>&#148; in the &#147;<I>Compensation Discussion and Analysis</I>&#148; below.<I> </I></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">102 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>Stock Ownership Guidelines </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Horizon Ownership Guidelines (the &#147;Guidelines&#148;) require that members of the boards of directors of Horizon and Horizon Bank and
Horizon&#146;s executive and senior officers attain and maintain a level of ownership of Horizon&#146;s common stock having a value at least equal to the following ownership thresholds specified in the Guidelines: </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="51%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="47%"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE="border-bottom:1.00pt solid #000000; width:38.60pt; font-size:8pt; font-family:Times New Roman"><B>Participant</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Ownership Thresholds</B></P></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Director</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">3 times amount of annual retainer</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Chief Executive Officer</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">3 times base salary</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Named Executive Officers (other than Chief Executive Officer)</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">2 times base salary</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Senior Officers</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">1 time base salary</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Until a participant meets the ownership threshold, or, if after meeting the ownership threshold, a
participant&#146;s stock ownership falls below the ownership threshold due to stock price fluctuations, then the participant must retain, when acquiring additional shares of Horizon&#146;s common stock, that number of shares having a value equal to
the following: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="68%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="51%"></TD>
<TD VALIGN="bottom" WIDTH="48%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE="border-bottom:1.00pt solid #000000; width:38.60pt; font-size:8pt; font-family:Times New Roman"><B>Participant</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B><FONT STYLE="white-space:nowrap">Percentage&nbsp;of&nbsp;After-Tax&nbsp;Profit&nbsp;Associated&nbsp;with&nbsp;the</FONT><BR>Acquired Shares</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Director and Chief Executive Officer</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">75</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Named Executive Officers (other than the Chief Executive Officer) and Senior Officers</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">50</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Shares are considered to be owned by a participant for the purposes of the Guidelines if those shares would be
deemed to be beneficially owned according to the SEC&#146;s beneficial ownership rules applicable to determining ownership for the beneficial ownership table included annually in Horizon&#146;s proxy statement for its shareholders&#146; meeting.
Shares of restricted stock for which the restrictions have not yet lapsed, and vested and non-vested unexercised stock options, are not considered to be shares owned for the purposes of the Guidelines. Any exceptions or waivers to the Guidelines
must be approved by the Compensation Committee. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_115"></A>Compensation Committee Report </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Compensation Committee has reviewed and discussed with management the Compensation Discussion and Analysis included below. Based on that
review and discussion, the Compensation Committee has recommended to Horizon&#146;s board of directors that the Compensation Discussion and Analysis be included in this joint proxy statement/prospectus and in Horizon&#146;s 2014 Annual Report on
Form 10-K. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This Report is respectfully submitted by the Compensation Committee of Horizon&#146;s Board of Directors: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Daniel F. Hopp, Chairperson </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Peter L. Pairitz </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Robert E.
Swinehart </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Susan D. Aaron </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_116">
</A>Compensation Discussion and Analysis </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>Executive Summary </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Compensation Discussion and Analysis describes and analyzes the compensation of Horizon&#146;s named executive officers. Horizon&#146;s
compensation program is designated to align executive officer compensation with Horizon&#146;s annual and long-term performance and with the interests of Horizon&#146;s shareholders. The development of compensation programs and benefit plans for
senior executives, along with specific compensation decisions for the named executive officers, is the responsibility of the Compensation Committee of the board. The Compensation Committee is assisted from time to time by an independent compensation
consultant, whose duties are detailed in this joint proxy statement/prospectus. The Compensation Committee utilizes benchmark data obtained from industry publications and the compensation consultant to
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">103 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
assist in determining the reasonableness of Horizon&#146;s pay programs, the direction of Horizon&#146;s total compensation as compared with Horizon&#146;s performance and in making compensation
decisions on named executive officers. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Compensation Committee, with input from the board of directors, annually evaluates the Chief
Executive Officer&#146;s performance in comparison to corporate goals and objectives and determines and approves the Chief Executive Officer&#146;s compensation based on achievement of those goals and objectives. The Chief Executive Officer
evaluates the performance of the other named executive officers in comparison to goals and recommends to the Compensation Committee a base salary change for each named executive officer based on achievement of their goals and objectives. The
Compensation Committee makes the final decision on the other named executive officers&#146; compensation. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>Cook&nbsp;&amp; Co.
Compensation Reports </I></B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">At least once every three years, the Compensation Committee requests Cook&nbsp;&amp; Co. to prepare a report
for purposes of evaluating executive compensation for Horizon&#146;s named executive officers. The most recent Cook&nbsp;&amp; Co. report was in 2014 and compared overall executive compensation against 21 companies of comparable size. The following
are highlights from the 2014 Cook&nbsp;&amp; Co. report: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">On average over the prior one and three years, Horizon ranks in the median range in terms of company size and market performance, and above the median range in growth and profitability. </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Total compensation paid for the last completed fiscal year for four of Horizon&#146;s named executive officers is somewhat conservative relative to 3-year company performance (with one officer more directionally aligned
due to the exercise of vested stock options in 2013). </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Total compensation paid for the last completed fiscal year for Horizon&#146;s named executive officers is directionally aligned with company profitability for that year, but appears high relative to company size, growth
and total shareholder return. </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Total compensation paid for the last completed fiscal year for Horizon&#146;s named executive officers (excluding Mr.&nbsp;Rose) is somewhat conservative relative to Horizon&#146;s three-year performance.
</TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">On average, total direct compensation opportunities for Horizon&#146;s named executive officers, excluding Mr.&nbsp;Neff and Mr.&nbsp;Edwards, are positioned in the higher end of the median range of the competitive
consensus. Mr.&nbsp;Neff&#146;s position and Mr.&nbsp;Edwards&#146; position are above market, which can be explained by individual circumstances. </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Total direct compensation mix is representative of median competitive practice for the CEO and for all proxy officers, excluding Mr.&nbsp;Neff, who is more heavily weighted towards annual bonus than the comparison
companies. </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Horizon&#146;s long-term incentive compensation mix of fifty percent performance shares and fifty percent stock options is similar to comparison companies and broader market practice in the amount allocated to
performance shares, but differs in the amount allocated to stock options and restricted stock. </TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In December 2012, at the
Compensation Committee&#146;s direction, Cook&nbsp;&amp; Co. presented the Compensation Committee with a report prepared for the purpose of the Compensation Committee&#146;s evaluation of potential changes to Horizon&#146;s current incentive
compensation plan. Based on that report and other input, the 2013 Omnibus Equity and Incentive Plan (the &#147;2013 Omnibus Plan&#148;) was prepared and subsequently adopted and approved by the shareholders at the 2014 annual meeting of
shareholders. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Compensation Committee has considered the independence of Cook&nbsp;&amp; Co. in light of SEC rules and NASDAQ listing
standards. In connection with this process, the Committee has reviewed, among other items, a letter from Cook&nbsp;&amp; Co. dated February&nbsp;21, 2014, that addresses the independence of Cook&nbsp;&amp; Co. and the members of the consulting team
serving the Compensation Committee, including the following factors: (i)&nbsp;other services provided to us by Cook&nbsp;&amp; Co., (ii)&nbsp;fees paid by us as a percentage of Cook&nbsp;&amp; Co.&#146;s total revenue, (iii)&nbsp;policies or
procedures of Cook&nbsp;&amp; Co. that are designed to prevent conflicts of interest, (iv)&nbsp;any business or personal relationships between the senior advisor of the consulting team with a member of the Committee, (v)&nbsp;any Horizon stock owned
by the senior advisor or any immediate family member, and (vi)&nbsp;any business or personal relationships between Horizon&#146;s executive officers and the senior advisor. The Committee discussed these considerations and concluded that the work
performed by Cook&nbsp;&amp; Co. and its senior advisor involved in the engagement did not raise any conflicts of interest. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">104 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>Overview of Compensation Program </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Compensation Committee sets the compensation of all named executive officers of Horizon, including that of the Chief Executive Officer.
Compensation is composed of several segments, including base salary, short-term incentives and long-term incentives. The Compensation Committee compares all executive compensation, including that of the Chief Executive Officer, to the compensation
paid to persons holding the same position in similar financial institutions. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In determining the 2014 compensation for the Chief Executive
Officer, Chief Financial Officer and other top officers, the Compensation Committee placed its greatest reliance on the Cook&nbsp;&amp; Co. 2013 report. The Compensation Committee also relied on the report to compare the reasonableness of the 2013
compensation of Horizon&#146;s Chief Executive Officer and the other named executive officers. The Compensation Committee&#146;s review included a study of base pay, bonus and long-term compensation. The 2013 Cook&nbsp;&amp; Co. report made
comparisons against the group of 21 Midwestern regional banks indicated in the list below with assets in the range of $1.391 billion to $3.176 billion. The peer group was selected by Cook&nbsp;&amp; Co. and approved by the Compensation Committee.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The following list includes all peer group companies included in Cook&nbsp;&amp; Co.&#146;s 2012, 2013 or 2014 reports and indicates next
to each company&#146;s name the years in which that company was included in the reports: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Bank of Kentucky Financial Corp. (Crestville Hills, KY) (2012&nbsp;&amp; 2013) </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Bank Mutual Corporation (Brown Deer, WI) (2013&nbsp;&amp; 2014) </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">BankFinancial, FSB (Burr Ridge, IL) (2012, 2013&nbsp;&amp; 2014) </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Baylake (Sturgeon Bay, WI) (2012) </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">CFS Bancorp (Munster, IN) (2012) </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">First Defiance Financial (Defiance, OH) (2012, 2013&nbsp;&amp; 2014) </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">First Financial Corp. (Terre Haute, IN) (2012, 2013&nbsp;&amp; 2014) </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">First Mid-Illinois Bancshares, Inc. (Mattoon, IL) (2013&nbsp;&amp; 2014) </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Firstbank (Alma, MI) (2012&nbsp;&amp; 2013) </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">German American Bancorp (Jasper, IN) (2012, 2013&nbsp;&amp; 2014) </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Hills Bancorporation (Hills, IA) (2013&nbsp;&amp; 2014) </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Independent Bank Corporation (Ionia, MI) (2014) </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Isabella Bank (Mount Pleasant, NY) (2012, 2013&nbsp;&amp; 2014) </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Lakeland Financial (Warsaw, IN) (2012, 2013&nbsp;&amp; 2014) </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">LNB Bancorp (Lorain, OH) (2012&nbsp;&amp; 2013) </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Macatawa Bank (Holland, MI) (2012, 2013&nbsp;&amp; 2014) </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">MainSource Financial (Greensburg, IN) (2012, 2013&nbsp;&amp; 2014) </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">MBT Financial (Monroe, MI) (2012) </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Mercantile Bank (Grand Rapids, MI) (2012, 2013&nbsp;&amp; 2014) </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">MidWestOne Financial (Iowa City, IA) (2012, 2013&nbsp;&amp; 2014) </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">MutualFirst Financial (Muncie, IN) (2012, 2013&nbsp;&amp; 2014) </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Peoples Bancorp (Marietta, OH) (2013&nbsp;&amp; 2014) </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">QCR Holdings (Moline, IL) (2012, 2013&nbsp;&amp; 2014) </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Stock Yards Bancorp (Louisville, KY) (2012, 2013&nbsp;&amp; 2014) </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">United Community Financial Corp. (Youngstown, OH) (2014) </TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">105 </P>


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


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Waterstone Financial (Wauwatosa, WI) (2014) </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">West Bancorporation (West Des Moines, IA) (2012, 2013&nbsp;&amp; 2014) </TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Compensation
Committee intends to continue to employ an independent, third-party consultant to review executive compensation, including long-term benefits, at least every three years. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The following discussion of compensation focuses on the compensation of the five executive officers who are named in the Summary Compensation
Table below because of their positions and levels of compensation. The named executive officers and their positions with Horizon and Horizon Bank are as follows: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="68%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="51%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="47%"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE="border-bottom:1.00pt solid #000000; width:20.00pt; font-size:8pt; font-family:Times New Roman"><B>Name</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Position</B></P></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Craig M. Dwight</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Chief Executive Officer, President and Chairman of Horizon; Chairman and Chief Executive Officer of Horizon Bank</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Mark E. Secor</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Executive Vice President and Chief Financial Officer of Horizon and Horizon Bank</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Thomas H. Edwards</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Executive Vice President of Horizon; President and Chief Credit Officer of Horizon Bank</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">James D. Neff</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Secretary of Horizon; Secretary and Executive Vice President &#150; Mortgage Banking of Horizon Bank</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">David G. Rose</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Executive Vice President of Horizon and Senior Retail Banking Officer of Horizon Bank</TD></TR>
</TABLE> <P STYLE="margin-top:18pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>Annual Advisory Vote on Executive Compensation </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I></I>At the 2014 annual meeting, Horizon provided shareholders with a separate, advisory shareholder &#147;say-on-pay&#148; vote to approve
the compensation of the named executive officers. At that meeting, 98% of Horizon&#146;s common shares that were voted on the proposal were voted in favor of Horizon&#146;s compensation of those executive officers as disclosed in the proxy
statement. Following that vote, the board of directors considered whether any changes should be implemented in connection with Horizon&#146;s compensation policies and decisions. The board believes that the high percentage of shares voting in
support of the say-on-pay proposal indicated that shareholders approve the work of Horizon&#146;s Compensation Committee and that shareholders consider Horizon&#146;s executive compensation programs to be aligned with shareholders&#146; interests.
Given the significant shareholder support, the board and Compensation Committee concluded that Horizon&#146;s executive compensation is aligned with shareholders&#146; interests and, therefore, no additional action was taken in response to the
outcome of the advisory vote on executive compensation. At the 2015 Annual Meeting, shareholders again will have the opportunity to vote, in an advisory capacity, on Horizon&#146;s named executive officer compensation (see &#147;<I>Advisory Vote to
Approve Executive Compensation</I>&#148; below). <I> </I></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">At the 2012 annual meeting, shareholders voted in an advisory vote to recommend
the frequency at which Horizon should present shareholders with the opportunity to participate in an advisory say-on-pay vote on Horizon&#146;s executive compensation. Horizon&#146;s board of directors recommended an annual vote. Shareholders voted
on whether the say-on-pay votes should be held every one, two or three years. Of Horizon&#146;s common shares voted in 2012 on that frequency proposal, 95.6% of those common shares were voted in favor of holding future say-on-pay votes on an annual
basis. In light of that result and other factors that the board has considered, Horizon holds say-on-pay votes on an annual basis. The next advisory vote on the frequency of say-on-pay votes is required to occur no later than at Horizon&#146;s 2018
annual meeting of shareholders. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>Compensation Risk </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I></I>As discussed above under the caption &#147;<I>Risk Management and Compensation Policies and Practices</I>&#148; in the
&#147;<I>Corporate Governance</I>&#148; section above, Horizon&#146;s Senior Auditor, who serves as the senior risk officer, meets with the board of directors and the Audit and Compensation Committees to review Horizon&#146;s compensation and other
risks and to address how to mitigate and monitor such risks.<I> </I></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Horizon&#146;s long-term business objectives require that Horizon
increase revenues year-over-year, maintain profitability in each year, increase market share and demonstrate sound enterprise risk management. Horizon believes that if it is successful in achieving these objectives, the results will inure to the
financial benefit of Horizon&#146;s shareholders. Accordingly, Horizon has designed its executive compensation program to reward its executives for achieving annual and long-term financial and business results that meet these objectives.
Specifically, the amount of incentive compensation received by Horizon&#146;s executive officers is directly related to Horizon&#146;s and to an individual executive&#146;s performance results. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">106 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
Horizon recognizes that the pursuit of these objectives may lead to behaviors that focus executives on their individual enrichment rather than Horizon&#146;s long-term welfare and if this were to
occur, it could weaken the link between pay and performance and result in less of a correlation between the compensation delivered to Horizon&#146;s executives and the return realized by Horizon&#146;s shareholders. Accordingly, Horizon has designed
its executive compensation program to limit and mitigate these possibilities and ensure that its compensation practices and decisions are consistent with Horizon&#146;s risk profile. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Compensation Committee has had in place since 2003 certain rules that provide it with considerable latitude in determining whether or not
bonuses should be paid. The Compensation Committee believes these rules protect the shareholders and help mitigate the possibility that executive officers will take any undue risks. The rules are as follows: </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="8%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">a)</TD>
<TD ALIGN="left" VALIGN="top">The Compensation Committee may unilaterally amend, modify or cancel the plans at any time at its sole discretion. </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="8%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">b)</TD>
<TD ALIGN="left" VALIGN="top">Named executive officer bonuses will only be paid if Horizon achieves a minimum net income level that is more than sufficient to cover fixed costs and dividends at the holding company level. This minimum net income
level supports the concept that the shareholders are paid first and ahead of executive officer bonuses. </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="8%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">c)</TD>
<TD ALIGN="left" VALIGN="top">Executive officers will be paid bonuses only if they are in good standing with Horizon and are not under a performance warning, suspension or individual regulatory sanction. </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="8%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">d)</TD>
<TD ALIGN="left" VALIGN="top">The Compensation Committee or its designee is to review and approve all executive officer bonuses prior to payment. </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="8%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">e)</TD>
<TD ALIGN="left" VALIGN="top">Bonuses are subject to receipt of an unqualified opinion by Horizon&#146;s independent accountants on its most current year-end financial statements. </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="8%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">f)</TD>
<TD ALIGN="left" VALIGN="top">Horizon Bank has a policy that allows it to &#147;claw back&#148; incentive compensation as discussed below under the heading &#147;Recovery of Incentive Compensation under the Dodd-Frank Act.&#148; </TD></TR></TABLE>
<P STYLE="margin-top:18pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>Overview of Compensation Elements and Mix </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Horizon&#146;s compensation plan for the Chief Executive Officer and other named executive officers includes the following elements: </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Salary </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Annual performance-based incentive compensation </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Long-term equity and/or cash incentive compensation </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Stock awards </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Retirement and other benefits </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Perquisites and other personal benefits </TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I></I>To encourage appropriate decision-making and
facilitate the alignment of the interests of Horizon&#146;s executives with those of Horizon and its shareholders, Horizon&#146;s executive compensation program includes &#147;at risk&#148; compensation, as discussed below in &#147;<I>Detailed
Discussion of Compensation Elements</I>.&#148; Horizon believes that the allocation of at risk compensation for annual cash incentives is reasonable for Horizon given its business objectives and is comparable to that of Horizon&#146;s peer group.<I>
</I></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">When setting the total compensation for each named executive officer, the Compensation Committee reviews tally sheets indicating the
historical amounts paid for each of the elements listed above. Although the Compensation Committee reviewed tally sheets, it did not take any specific action based on that review. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>Base Salary </I></B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Base
salary is the only fixed element of compensation that Horizon provides to its executives and, as described below, is designed to provide a reasonable level of predictable income commensurate with a named executive officer&#146;s responsibilities,
experience and demonstrated performance and to be competitive with the levels of compensation paid by Horizon&#146;s peers. Horizon&#146;s incentive compensation arrangements are intended to reward performance if, and only to the extent that,
Horizon and its shareholders also benefit financially from the officers&#146; stewardship. Based on Cook&nbsp;&amp; Co.&#146;s 2013 </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">107 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
report, Horizon&#146;s 2014 base compensation for Mr.&nbsp;Neff, Mr.&nbsp;Edwards, Mr.&nbsp;Rose and Mr.&nbsp;Secor were $268,572, $284,561, $202,000, $236,000, and base compensation for
Mr.&nbsp;Dwight was $429,525. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>Annual Incentive Compensation </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The annual incentive component of Horizon&#146;s executive compensation program involves cash-based plan awards that are payable if, and only
to the extent that, pre-established corporate financial and individual performance objectives are achieved. We believe that the design of Horizon&#146;s Executive Officer Bonus Plan furthers Horizon&#146;s long-term business plan and ensures that
the interests of Horizon&#146;s executives have been aligned with the interests of Horizon&#146;s shareholders: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Bonus payouts are not based solely on corporate performance, but also require achievement of one or more individual performance objectives; </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">The corporate financial performance objectives are consistent with the corporate financial performance objectives required under Horizon&#146;s long-term incentive compensation plan; </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Bonus payouts are based on short-term and long-term corporate and individual performance metrics; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Actual performance results for the corporate financial and individual performance objectives, while separately evaluated, are aggregated for purposes of determining the amount of bonus payouts; </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Amounts payable are subject to recovery by Horizon in the event that they were paid based on financial statements or other criteria that are later proven to be materially inaccurate; and </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Horizon&#146;s Executive Officer Bonus Plan provides additional shareholder protection by providing that bonuses are paid only if Horizon achieves a certain minimum earnings threshold, and the executive officer is in
good standing with Horizon and is not under any individual regulatory sanction. </TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In addition, the Compensation Committee has
not paid discretionary bonuses to the named executive officers at any time during the past five years and does not presently intend to pay discretionary bonuses in the event that the actual performance results for the corporate financial and
individual performance objectives do not meet or exceed the threshold level for payout under the Executive Officer Bonus Plan. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>Long-Term Incentive Compensation </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">As discussed in detail below, the long-term incentive component of Horizon&#146;s executive compensation program has consisted of grants of
stock options and restricted stock and other awards pursuant to the 2003 Omnibus Equity Incentive Plan (the &#147;2003 Omnibus Plan&#148;), and awards under the 2013 Omnibus Plan. Grants of stock options and restricted stock are subject to vesting
requirements. Horizon sets the amount of these awards relative to the overall value of its long-term compensation program that Horizon believes is appropriate for accomplishing these purposes, while still providing its executives with the incentive
to focus their efforts on earning their long-term incentive awards. Allocating a significant portion of each executive&#146;s long-term equity compensation to restricted stock rather than stock options helps to reduce the likelihood that the options
will create an incentive for the executives to engage in risky behavior that would drive up the price of Horizon&#146;s common shares and maximize exercise proceeds. Horizon believes that the attributes of these awards and its compensation plans
further its long-term business plan and ensure that the interests of its executives have been aligned with the interests of Horizon&#146;s shareholders. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>Detailed Discussion of Compensation Elements </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I>Base Salary</I> </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Salaries of
all executive officers, including the Chief Executive Officer, are governed by Horizon&#146;s formal salary administration program, which is updated each year. The salary administration program involves consideration of an executive officer&#146;s
position and responsibility and performance as determined in the detailed annual performance reviews discussed above. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Horizon and Horizon
Bank entered into employment agreements with Mr.&nbsp;Dwight on December&nbsp;1, 2006, with Mr.&nbsp;Edwards on July&nbsp;16, 2007, and with Mr.&nbsp;Neff on December&nbsp;14, 2011. The agreements provide that Messrs. Dwight, Edwards and Neff will
continue to receive an annual base salary equal to the amount being paid to each of them on the date of their agreements, subject to adjustment based on the annual review of Horizon&#146;s board of directors or the Compensation Committee of the
board of directors. However, the employment agreements provide that the adjusted base salary amount may not be less than each of the executive&#146;s base salary on the date of the agreement, which base salary amount was $280,000 for
Mr.&nbsp;Dwight, $179,220 for Mr.&nbsp;Edwards and $245,193 for Mr.&nbsp;Neff. The agreements replaced the change-of-control </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">108 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
agreements that Horizon Bank had entered into with Messrs. Dwight and Edwards on October&nbsp;7, 1999 and with Mr.&nbsp;Neff on October&nbsp;18, 1999. Other provisions of the agreements are
discussed below following the Summary Compensation Table and in the discussion of Potential Payments Upon Termination or Change in Control. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Compensation Committee compares the salary of each executive officer to those salaries being paid to executive officers in similar
positions in organizations of comparable size in the Midwest. Salary ranges are then computed from that data for each Horizon executive officer position. Salary increases are calculated based on individual performance rating, where the executive
officer&#146;s base salary falls within his respective salary range, benchmark data, total compensation in comparison to peer, compensation mix and Horizon&#146;s salary matrix. According to the 2014 and 2013 Cook Reports, which are the most recent
reports that have been prepared: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Horizon&#146;s base salaries were generally competitive and not subject to performance risk; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Horizon&#146;s incentive plans were appropriately weighted between short-term and long-term performance and cash and equity compensation; </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">There was a strong linkage between Horizon&#146;s executive pay and Horizon&#146;s performance; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Horizon&#146;s compensation peer group and benchmarking methodology were appropriate; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">There was no significant pay disparity among top executives, except with respect to Mr. Neff; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Horizon&#146;s severance and/or change-in-control provisions were reasonable; and </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Horizon&#146;s special benefits and perquisites were minimal. </TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Cook&nbsp;&amp; Co.&#146;s 2014
report reported that the average and highest base cash compensation for a Chief Executive Officer were $448,000 and $803,000, respectively. For Mr.&nbsp;Dwight&#146;s services as Chief Executive Officer and President, he was paid a base salary in
2014 of $429,525, which represented a 3.8% increase over his 2013 salary of $414,000. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The salary increases for 2014 for the other named
executive officers ranged from 2.7% to 5.2%. Mr.&nbsp;Secor&#146;s salary was increased to $236,000 from $225,213 (4.8%); Mr.&nbsp;Edwards&#146; salary was increased to $284,561 from $274,938 (3.5%); Mr.&nbsp;Neff&#146;s salary was increased to
$268,572 from $261,384 (2.7%); and Mr.&nbsp;Rose&#146;s salary was increased to $202,000 from $191,938 (5.2%). The salary increases were based on the Committee&#146;s in depth review of Cook&nbsp;&amp; Co.&#146;s 2013 compensation reports in
conjunction with Horizon&#146;s standard salary administration program as outlined above, pursuant to which the Compensation Committee takes into consideration the individual performance rating, where the executive officer&#146;s base salary falls
within their respective salary range, benchmark data, total compensation in comparison to peer, compensation mix and Horizon&#146;s salary matrix. The salary matrix takes into account both the performance review rating and the employee&#146;s
current salary, with respect to the salary range, in determining the percentage increase. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><I>Annual Performance-Based Incentive
Compensation </I></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">After consultations with compensation consultant Cook&nbsp;&amp; Co. in 2003, the Compensation Committee of the board of
directors of Horizon adopted an Executive Officer Bonus Plan. The Bonus Plan permits executive officers to earn, as a cash bonus, a percentage of their salary based on the achievement of corporate and individual goals in the relevant year. Four of
the named executive officers, Messrs. Dwight, Edwards, Secor and Rose, currently participate in the Bonus Plan. Participants in the Bonus Plan are not eligible to participate in any other short-term cash incentive plan offered by Horizon. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">To receive a bonus under the Bonus Plan, the executive officer must be employed by Horizon or one of its subsidiaries on the date the annual
bonus payment is made and must be in good standing with Horizon. The Compensation Committee may adjust or amend the Bonus Plan at any time in its sole discretion. All executive officers&#146; bonuses are subject to final approval by the Compensation
Committee or its designee, and bonus payments are subject to Horizon&#146;s receipt from its independent accountants of an unqualified audit opinion on Horizon&#146;s most current year-end financial statements. Mr.&nbsp;Dwight&#146;s,
Mr.&nbsp;Edwards&#146; and Mr.&nbsp;Neff&#146;s bonuses are paid in accordance with their employment agreements, which provide that they may participate in all incentive compensation plans and programs generally available to executive officers. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">As approved by the Compensation Committee, Horizon&#146;s bonus matrices for executive officers are divided into short-term and long-term
metrics with total bonus opportunities weighted fifty percent each. Short-term metrics place heavier weight on financial outcome in order to align bonus payouts with shareholders&#146; interests for the given year. Long-term metrics place heavier
weight on positioning Horizon for future success and enterprise risk management to align with shareholders&#146; long-term interests. Bonus calculations for financial outcomes are based on quantifiable targets and, for
non-</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">109 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
financial targets, on observations by Horizon&#146;s Chief Executive Officer, the Compensation Committee and the board of directors in comparison to Horizon&#146;s strategic plan. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The weightings for Horizon&#146;s 2014 bonus matrix for each individual participant are as follows: </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="76%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="76%"></TD>
<TD VALIGN="bottom" WIDTH="11%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="11%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE="border-bottom:1.00pt solid #000000; width:128.30pt; font-size:8pt; font-family:Times New Roman"><B>Named Executive Officer &amp; Category</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B><FONT STYLE="white-space:nowrap">Short-Term</FONT><BR>Metric<BR>Weighting</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B><FONT STYLE="white-space:nowrap">Long-Term</FONT><BR>Metric<BR>Weighting</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="4"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Chief Executive Officer</B></P></TD>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>&nbsp;&nbsp;</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Financial Outcome of Horizon (Net Income &amp; Efficiency)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">70</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Positioning Horizon for Future Success</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">70</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Enterprise Risk Management</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">30</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">30</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Chief Operating Officer and Chief Credit Officer</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Financial Outcome of Horizon (Net Income, Efficiency, Business Unit Income &amp; Asset Quality)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">60</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Financial Outcomes for Areas of Direct Responsibility</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">30</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Positioning Horizon for Future Success</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Enterprise Risk Management</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">70</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Executive Vice President and Chief Financial Officer</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Financial Outcome of Horizon (Net Income &amp; Efficiency)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">60</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Positioning Horizon for Future Success</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Enterprise Risk Management</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">40</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">60</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Project Management</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Executive Vice President, Mortgage Banking</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Financial Outcome of Horizon</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Financial Outcomes for Areas of Direct Responsibility</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">70</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Enterprise Risk Management</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">30</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Executive Vice President and Senior Retail Banking Officer</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Financial Outcomes of Horizon (Net Income, Efficiency, Regional Income, Core Deposits &amp; Asset Quality)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Financial Outcomes for Areas of Direct Responsibility</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">65</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Enterprise Risk Management</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">60</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Position Company for Long Term Success</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">40</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Horizon&#146;s 2015 bonus matrices for each named executive officer will follow substantially the same
categories and metric weightings as above, subject to approval by the Compensation Committee and board of directors. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Compensation
Committee established a minimum earnings target for Horizon to achieve before any bonuses would be paid out under the Bonus Plan for 2014. The minimum earnings target is tied to earnings available to pay dividends and fixed costs at the holding
company. In 2014, the minimum earnings threshold was $9.177 million. If Horizon&#146;s net income for 2014 was below $9.177 million, no bonuses would be paid to any executive officer. The Compensation Committee also approved a target bonus matrix
for each executive officer to be used to calculate the executive officer&#146;s bonus (if any) for the year (assuming that the minimum earnings target has been met). The matrix for each executive officer specified the performance measures applicable
to the executive officer, the targets for each performance measure and the weight to be assigned to each performance measure in calculating the bonus if the specified target levels are achieved. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Compensation Committee sets the target awards to be challenging, but reasonably attainable. The maximum earnings goal was approximately
$1.50 million above the targets of $18.0 million for 2014 and $18.50 million for 2013, and the maximum efficiency ratio was approximately 300 basis points better than the target of 68% for each year. In 2014, the minimum earnings amount for payout
was achieved, and all the participants were in good standing with Horizon. Any participant not in good standing with Horizon would not be eligible for incentive compensation. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The other non-financial measurements include the following: enterprise risk management, compliance with rules, regulations and good internal
controls; positioning Horizon for long-term growth; organizational development, retention and attraction of good talent; and project management. The weightings for each measurement vary dependent upon the overall responsibilities and primary goals
of each executive officer. Non-financial results are compared with Horizon&#146;s strategic plan </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">110 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
and scored based on the observations of the Chief Executive Officer, Compensation Committee and the board of directors. Scores range from meets, exceeds, or far exceeds expectations. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">For 2014, the named executive officers who participated in the Bonus Plan could have earned as a maximum bonus the following percentages of
their base salaries: Mr.&nbsp;Dwight, 54%; Mr.&nbsp;Secor, 50%; Mr.&nbsp;Edwards, 55%; and Mr.&nbsp;Rose, 50%. Each named executive officer had as a short-term performance goal the achievement of a specified level of financial outcomes for the year,
with the weighting of such goals for 2014 being 70% for Mr.&nbsp;Dwight; 60% for Mr.&nbsp;Secor; 80% for Mr.&nbsp;Edwards; and 85% for Mr.&nbsp;Rose. The financial outcome targets focused primarily on Horizon&#146;s earnings, efficiency improvements
or business unit outcomes. The short-term performance goals for each executive officer also included one non-financial metric for enterprise risk management. Long-term performance goals for each executive officer were for enterprise risk management,
positioning Horizon for long-term success or project management. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In order to earn a bonus award, the Bonus Plan&#146;s participants were
required to achieve an aggregate weighted score of 80% or higher in 2014. If the participant achieved the goals for all categories, his aggregate weighted score would be 100%. In 2014, Mr.&nbsp;Dwight, Mr.&nbsp;Secor, Mr.&nbsp;Edwards and
Mr.&nbsp;Rose all exceeded 80% in weighted average scores for both short- and long-term goals and earned a bonus award. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In considering
Mr.&nbsp;Dwight&#146;s bonus, the Compensation Committee used established short- and long-term goals for 2014 and compared actual results with goals. The goals compared Horizon&#146;s net income compared to plan, Horizon&#146;s efficiency ratio
compared to plan, enterprise risk management, compliance with all rules, laws, regulations, audit standards, reputation of Horizon, positioning Horizon for future growth and expansion, and organizational development including retention and
attraction of good talent, efficiency improvement and continuous learning. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The amounts of the bonuses actually paid each year under the
Bonus Plan are reported in the Non-Equity Incentive Plan Compensation column of the Summary Compensation Table included below in this Proxy Statement. The payouts that Messrs. Dwight, Secor, Edwards and Rose had an opportunity to earn under the
Bonus Plan for 2014 are presented below in the Grants of Plan-Based Awards table. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Compensation Committee has reviewed the Bonus Plan
for 2014, and based on that review, the Compensation Committee has concluded that the plans, as designed for 2014, aligned the interests of the senior executive officers with those of the shareholders and that the plan designs provided several
features to mitigate the senior executive officers from taking undue risk that may threaten the enterprise. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Mr.&nbsp;Neff does not
participate in the Bonus Plan. The Compensation Committee, however, has a formula pursuant to which it has awarded Mr.&nbsp;Neff an incentive bonus equal to a percentage of his salary if the Mortgage Warehousing Division of Horizon Bank meets or
exceeds certain Return on Equity (&#147;ROE&#148;) goals for the year. The ROE goals and bonus percentage amounts are as follows: 12% ROE: 25%; 15% ROE: 40%; and 20% ROE or above: 50%. If the Mortgage Warehousing Division ROE exceeds the 20% ROE
target for a year, Mr.&nbsp;Neff receives an additional bonus equal to 15% of the dollar amount of the net income that exceeds the amount necessary to reach the 20% ROE target. In addition, Mr.&nbsp;Neff&#146;s bonus award takes into consideration
results under a performance score card for retail mortgage loan income before tax, asset quality as measured in net charge-offs and losses incurred on mortgage loan repurchases for loans under his supervision, and overall enterprise risk management.
Mr.&nbsp;Neff&#146;s weighted average score for his score card was 110%, which equated to an 110% payout against his earned warehouse bonus amount. The amount of the bonus Mr.&nbsp;Neff received for 2014 is reported in the Summary Compensation
Table. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><I>Long-Term Incentive Program </I></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In 2002, Horizon engaged compensation consultant Cook&nbsp;&amp; Co. to review Horizon&#146;s compensation of its top officers and outside
directors. Cook&nbsp;&amp; Co. recommended that Horizon adopt an omnibus stock plan for the purpose of attracting and retaining key employees. The shareholders approved the 2003 Omnibus Plan at the annual meeting held on May&nbsp;8, 2003, and
approved amendments at the 2010 Annual Meeting, including an increase in the number of common shares available for awards. The 2003 Omnibus Plan expired on January&nbsp;31, 2013, and no additional shares may be granted under the 2003 Omnibus Plan.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">At the 2014 annual meeting, shareholders approved the 2013 Omnibus Plan, which replaced the 2003 Omnibus Plan and became effective for a
ten-year term beginning February&nbsp;1, 2013. The 2013 Omnibus Plan authorizes the issuance of up to 691,700 common shares. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The 2013
Omnibus Plan was designed to satisfy the requirements of Section&nbsp;162(m) of the Internal Revenue Code of 1986, which generally denies a corporate-level income tax deduction for annual compensation in excess of $1,000,000 paid to the chief
executive officer and the four other most highly compensated officers of a public company. Certain types of </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">111 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
compensation, including &#147;performance-based compensation,&#148; which meet the requirements of Internal Revenue Code Section&nbsp;162(m), are generally excluded from this deduction limit.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Compensation Committee administers the 2013 Omnibus Plan and may grant the following types of awards: </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Incentive stock options </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Nonqualified stock options </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Stock appreciation rights </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Restricted stock </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Performance units </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Performance shares </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Any combination of the above </TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Horizon&#146;s long-term incentive program has been based on the
grant of stock options and restricted stock. Stock options and restricted stock are granted to encourage and facilitate personal stock ownership by executive officers and thus strengthen their personal commitment to Horizon and to provide them with
a longer-term perspective in their managerial responsibilities. This component of an executive officer&#146;s compensation directly aligns the officer&#146;s interests with those of Horizon&#146;s shareholders. Horizon also recognizes that stock
options are a necessary element of a competitive compensation program. The program utilizes vesting periods to encourage key employees to continue in the employ of Horizon and thereby acts as a retention device for key employees. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I></I>With respect to stock ownership, as discussed above, all of the named executive officers must comply with the Guidelines adopted by the
board of directors. The Chief Executive Officer must maintain ownership of Horizon common shares having a value equal to at least three times his base salary, and each of the other named executive officers must maintain ownership of common shares
having a value equal to at least twice his base salary. For additional details about the Guidelines, see the &#147;<I>Stock Ownership Guidelines</I>&#148; section above under &#147;<I>Corporate Governance</I>.&#148;<I> </I></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In determining a reasonable level of long-term compensation to be granted executive officers, the Compensation Committee considers data it
deems relevant, including the data in the independent reports prepared by Cook&nbsp;&amp; Co., and other peer data. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The stock options
that were granted to executive officers are service based and vest in equal annual installments over a three- or five-year period, and awards of restricted stock vest on the fourth or fifth anniversary of the date of grant if the executive officer
remains employed by Horizon, Horizon Bank, or any of their affiliates. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><I>Qualified Retirement Plans </I></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Horizon maintains two tax-qualified retirement plans, an Employee Stock Ownership Plan (the &#147;ESOP&#148;) and an Employees&#146; Thrift
Plan (the &#147;Thrift Plan&#148;). Nearly all Horizon employees are eligible to participate in the ESOP. Horizon&#146;s board of directors, in its discretion, determines Horizon&#146;s contributions to the ESOP. The contributions may be made in the
form of cash or shares of common stock. Shares are allocated among participants each December&nbsp;31 on the basis of each participant&#146;s eligible compensation to total eligible compensation (a maximum of $255,000 per participant). Dividends on
shares held by the plan, at the discretion of each participant, are either distributed to the participant or retained in the plan for the purchase of additional shares. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Thrift Plan is a 401(k) plan in which all employees with the requisite hours of service are eligible to participate. The Thrift Plan
permits voluntary employee contributions, and Horizon may make discretionary matching and profit sharing contributions. Each eligible employee is vested according to a schedule based upon years of service. Voluntary employee contributions are vested
at all times, and Horizon&#146;s discretionary contributions vest over a six-year period. Participants are eligible to receive matching contributions once they have attained age 21 and completed one year of service. Horizon, at its discretion,
provides for matching contributions as follows: 100% for the first 2% of a participant&#146;s deferral contribution and 50% for each additional percentage deferred up to a total deferral of 6% (a maximum of 4% matching contribution). </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><I>Post-Termination Compensation and Benefits </I></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The employment agreements with Messrs. Dwight, Edwards and Neff provide for the payment of compensation upon a change in control.
Mr.&nbsp;Secor is a party to a change-in-control agreement with Horizon Bank. Mr.&nbsp;Neff also was a party to a separate change-in-control agreement with Horizon Bank until December&nbsp;14, 2011, when he entered into an
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">112 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
employment agreement with Horizon and Horizon Bank. Mr.&nbsp;Rose is not a party to either an employment or a change-in-control agreement. The agreements with the named executive officers are
discussed in more detail below following the Summary Compensation Table and in the discussion of Potential Payments Upon Termination or Change in Control. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Horizon Bancorp Supplemental Executive Retirement Plan (the &#147;Frozen SERP&#148;), a nonqualified deferred compensation plan, was
originally effective January&nbsp;1, 1993, and was frozen effective December&nbsp;31, 2004. The Frozen SERP provides certain management or highly compensated employees of Horizon and its affiliates with supplemental retirement benefits to help
recompense those employees for benefits reduced under the Thrift Plan due to benefit limits imposed by the Code and to permit the deferral of additional compensation. The Frozen SERP is an unfunded arrangement designed and administered to comply
with Title I of the Employee Retirement Income Security Act of 1974 and to be exempt from the requirements of Internal Revenue Code Section&nbsp;409A. The Frozen SERP is administered by the Compensation Committee. Prior to January&nbsp;1, 2005, a
participant in the Frozen SERP could elect each year to defer a percentage of the participant&#146;s total cash compensation. Each year, the Compensation Committee, in its discretion, could elect to have Horizon match the amounts deferred by each
participant under the Frozen SERP up to a maximum match of $25,000. The Compensation Committee could also make supplemental contributions in any amount determined by the Compensation Committee in its discretion. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Interest is credited on a participant&#146;s deferred account balance in the Frozen SERP at the five-year U.S. Treasury Bond rate published in
the Wall Street Journal and in effect as of the first business day of each calendar month, plus 200 basis points, but not to exceed 120% of the Applicable Federal Long-Term Rate for monthly compounding. Amounts deferred by participants vest
immediately. The Compensation Committee can require forfeiture of matching and supplemental contributions if the participant has not completed the number of years of service specified by the Compensation Committee, except when the participant dies
while still employed, is determined to be disabled or retires after reaching age sixty-five. Participants or their designated beneficiaries will begin to receive payments under the Frozen SERP within thirty days after the participant&#146;s
separation from service. Participants may elect lump sum or installment payments, or a combination of the two, subject to the provisions of the Frozen SERP. No additional amounts, except earnings, accrued to the named executive officers under the
Frozen SERP for 2014. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Horizon adopted the Horizon Bancorp 2005 Supplemental Executive Retirement Plan (the &#147;2005 SERP&#148;) to
replace the Frozen SERP effective January&nbsp;1, 2005. As with its predecessor, the 2005 SERP provides certain management or highly compensated employees of Horizon and its affiliates with supplemental retirement benefits to help recompense those
employees for benefits reduced under the Thrift Plan due to benefit limits imposed by the Code and to permit the deferral of additional compensation. The 2005 SERP is also an unfunded arrangement designed and administered to comply with Title I of
the Employee Retirement Income Security Act of 1974 and Code Section&nbsp;409A, and the 2005 SERP is administered by the Compensation Committee. A participant in the 2005 SERP may elect to defer a percentage of the participant&#146;s total cash
compensation each year. The 2005 SERP maximum deferral percentage is limited to 25%. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Each year, the Compensation Committee, in its
discretion, may elect to have Horizon match the amounts deferred by each participant under the 2005 SERP up to a maximum match of $25,000. The Compensation Committee may change the match limit prior to the beginning of any year. The Compensation
Committee may also make supplemental contributions in any amount it determines in its discretion. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Interest is credited on a
participant&#146;s deferred account balance in the 2005 SERP at the five-year U.S. Treasury Bond rate published in the Wall Street Journal and in effect as of the first business day of each calendar month, plus 200 basis points, but not to exceed
120% of the Applicable Federal Long-Term Rate for monthly compounding. Amounts deferred by participants vest immediately. The Compensation Committee may require forfeiture of matching and supplemental contributions if the participant has not
completed the number of years of service specified by the Compensation Committee, except when the participant dies while still employed, is determined to be disabled or retires after reaching age sixty-five. Participants may specify the date or
event upon which they or their designated beneficiaries will begin to receive payment under the 2005 SERP and may elect lump sum or installment payments, or a combination of the two, subject to the provisions of the 2005 SERP. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In December 2009, the board of directors approved a second SERP investment alternative in the form of Horizon common shares. SERP Participants
may change their investment election option once a year. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Horizon&#146;s contributions allocated to the named executive officers under the
2005 SERP are included in the All Other Compensation column of the Summary Compensation Table appearing below. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">113 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><I>Perquisites and Other Personal Benefits </I></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Horizon provides minimal perquisites and other personal benefits to its executive officers. Messrs. Dwight, Edwards and Rose are provided with
country club memberships, and Messrs. Edwards and Rose are provided with cellular telephone service. The cost of the memberships and/or telephone service is less than $10,000 per executive officer. No other perquisites or personal benefits are
provided to executive officers. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>Recovery of Incentive Compensation under the Dodd-Frank Act </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Under the Dodd-Frank Act, companies listed on a national securities exchange must adopt a policy providing for the recovery of incentive-based
compensation in the event of an accounting restatement based on erroneous data. Under such a policy, compensation would be recovered, or &#147;clawed back,&#148; from any current or former executive officer of the company who received the
incentive-based compensation during the three years preceding the date on which the company is required to prepare the restatement. The amount to be recovered would be the excess of the amount that would have been paid to the executive officer under
the restatement. Horizon Bank adopted a &#147;claw back&#148; policy in 2009, which covers each exempt employee with the title of Vice President or above or who is a commission-based employee. This policy will be revised as necessary and appropriate
in the future if and when the SEC and NASDAQ adopt compensation claw back rules to implement the Dodd-Frank Act requirements. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_117"></A>Executive Compensation Tables </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The following tables provide information on the 2014 compensation for Horizon&#146;s Chief Executive Officer, Chief Financial Officer and the
other three most highly compensated executive officers of Horizon and Horizon Bank. These five individuals are referred to as the &#147;named executive officers.&#148; </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Summary Compensation Table for 2014 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The table below provides information with respect to the total compensation earned by or paid to the named executive officers for 2014. </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="48%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP><B>Name and</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Year</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Salary</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Bonus</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Stock<BR>Awards</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Option<BR>Awards</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Non-Equity<BR>Incentive Plan<BR>Compensation</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>All Other<BR>Compensation</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Total</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE="border-bottom:1.00pt solid #000000; width:61.00pt; font-size:8pt; font-family:Times New Roman"><B>Principal Position</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom"> <P STYLE="border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>($)<SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP></B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>($)<SUP STYLE="font-size:85%; vertical-align:top">(2)</SUP></B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>($)<SUP STYLE="font-size:85%; vertical-align:top">(3)</SUP></B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>($)<SUP STYLE="font-size:85%; vertical-align:top">(3)</SUP></B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>($)<SUP STYLE="font-size:85%; vertical-align:top">(4)</SUP></B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>($)<SUP STYLE="font-size:85%; vertical-align:top">(5)</SUP></B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>($)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Craig M. Dwight</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2014</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">429,525</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">90,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">90,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">178,253</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">44,200<SUP STYLE="font-size:85%; vertical-align:top"></SUP></TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">(6)</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">831,978</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">President and Chief</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2013</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">414,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">171,810</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">43,326</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">629,136</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Executive Officer</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2012</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">400,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">45,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">45,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">176,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">43,327</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">709,327</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Mark E. Secor</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2014</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">236,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">53,750</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">53,750</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">76,700</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">33,722<SUP STYLE="font-size:85%; vertical-align:top"></SUP></TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">(7)</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">453,922</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Chief Financial Officer</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2013</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">225,213</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">61,934</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">29,623</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">316,770</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2012</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">215,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">53,750</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">91,375</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">25,362</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">385,487</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Thomas H. Edwards</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2014</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">284,561</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">66,250</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">66,250</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">113,824</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">36,385<SUP STYLE="font-size:85%; vertical-align:top"></SUP></TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">(8)</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">567,270</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Executive Vice President</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2013</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">274,938</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">89,355</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">34,714</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">399,007</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2012</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">265,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">66,250</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">79,500</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">36,023</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">446,773</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>James. D. Neff</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2014</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">268,572</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">62,984</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">62,984</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">177,793</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">34,390<SUP STYLE="font-size:85%; vertical-align:top"></SUP></TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">(9)</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">606,723</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Secretary</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2013</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">261,384</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">160,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">35,509</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">456,893</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2012</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">251,936</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">62,984</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">220,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">38,604</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">573,524</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>David G. Rose</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2014</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">202,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">27,750</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">27,750</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">65,650</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">38,879<SUP STYLE="font-size:85%; vertical-align:top"></SUP></TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">(10)</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">362,029</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Executive Vice President</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2013</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">191,938</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">52,783</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">29,562</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">274,283</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2012</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">185,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">27,750</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">47,406</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">27,718</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">287,874</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
</TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Includes salary amounts paid and salary amounts deferred by the individual named pursuant to Horizon&#146;s Thrift Plan and Supplemental Executive Retirement Plan (&#147;SERP&#148;). </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(2)</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">The amount reflects the dollar amount paid under Horizon&#146;s holiday bonus plan, which is available to all employees with the exception of specified executive officers, including Messrs. Dwight, Secor, Edwards, Neff
and Rose. Messrs. Dwight, Edwards, Secor and Rose are eligible to receive annual bonuses under the Executive Officer Bonus Plan, and if such bonuses are received for a given year, the SEC rules provide that they are to be reported in the Non-Equity
Incentive Plan Compensation column of this table. </TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">114 </P>


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


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(3)</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">The amounts in this column reflect the aggregate grant date fair value of option awards during the last three fiscal years in accordance with FASB ASC Topic 718. For a discussion on the assumptions used in the
calculation of the option awards reported in this column, please see note 21 of the Notes to Consolidated Financial Statements in Horizon&#146;s 2014 Annual Report on Form 10-K filed with the Securities and Exchange Commission. Awards shown in 2014
include awards granted in 2013 for award made under the 2013 Omnibus Plan prior to shareholder approval. </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(4)</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Messrs. Dwight, Edwards, Secor and Rose received payments under Horizon&#146;s Executive Officer Bonus Plan. The bonus amount for Mr.&nbsp;Neff represents a bonus he receives based on the net profit of the Mortgage
Warehouse division. (For more information about the Bonus Plan and for Mr.&nbsp;Neff&#146;s bonus arrangement, see the discussion above in the Compensation Discussion and Analysis.) </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(5)</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">The individuals named in the table also received certain perquisites, but the incremental costs of providing the perquisites did not exceed the $10,000 disclosure threshold. </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(6)</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Includes Horizon&#146;s contribution of $5,141 under Horizon&#146;s Employee Stock Ownership Plan and its matching contributions of $10,400 under the Thrift Plan, $25,000 under the SERP and $3,659 in dividends on
restricted stock. </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(7)</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Includes Horizon&#146;s contribution of $5,141 under Horizon&#146;s Employee Stock Ownership Plan and its matching contributions of $10,400 under the Thrift Plan, $14,897 under the SERP and $3,284 in dividends on
restricted stock. </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(8)</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Includes Horizon&#146;s contribution of $5,141 under Horizon&#146;s Employee Stock Ownership Plan, and its matching contributions of $10,369 under the Thrift Plan, $16,826 under the SERP and $4,049 in dividends on
restricted stock. </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(9)</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Includes Horizon&#146;s contribution of $5,141 under Horizon&#146;s Employee Stock Ownership Plan and its matching contributions of $10,400 under the Thrift Plan, $15,000 under the SERP and $3,849 in dividends on
restricted stock. </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(10)</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Includes Horizon&#146;s contribution of $4,031 under Horizon&#146;s Employee Stock Ownership Plan and its matching contributions of $8,153 under the Thrift Plan, $25,000 under the SERP and $1,695 in dividends on
restricted stock. </TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">As discussed above in the Compensation Discussion and Analysis, Horizon and Horizon Bank have entered
into employment agreements with Mr.&nbsp;Dwight, Mr.&nbsp;Edwards and Mr.&nbsp;Neff. The agreements provide that Mr.&nbsp;Dwight will continue to serve as Horizon&#146;s President and Chief Executive Officer and Horizon Bank&#146;s Chairman and
Chief Executive Officer for a term of three years, that Mr.&nbsp;Edwards will continue to serve as Horizon&#146;s Executive Vice President and Horizon Bank&#146;s President and Chief Operating Officer for a term of three years, and that
Mr.&nbsp;Neff will continue to serve as Horizon&#146;s Executive Vice President of Horizon Bank and Secretary of the Holding Company for a term of three years. The terms of each of the agreements will be extended for an additional one-year period
beyond the then-effective expiration date on each annual anniversary of the date of the agreement until the year in which the executive officer reaches the age of sixty-three, unless Horizon delivers notice to the executive officer within sixty days
prior to the expiration of any one-year period that the term will not be extended. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I></I>Each employment agreement also provides that
Messrs. Dwight, Edwards and Neff will continue to receive an annual base salary equal to the amount being paid to them on the date of the agreement, subject to adjustment. Horizon may terminate Mr.&nbsp;Dwight&#146;s, Mr.&nbsp;Edwards&#146; or
Mr.&nbsp;Neff&#146;s employment immediately for &#147;cause&#148; and also may terminate their employment without cause upon not less than thirty days&#146; prior notice. Messrs. Dwight, Edwards and Neff may terminate their employment for &#147;good
reason&#148; or upon not less than thirty days&#146; prior notice without good reason. (The definitions of &#147;cause,&#148; &#147;good reason&#148; and &#147;change in control&#148; specified in the agreements are summarized below under
&#147;<I>Potential Payments Upon Termination or Change in Control</I>.&#148;) <I> </I></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If Horizon terminates Mr.&nbsp;Dwight&#146;s
employment without cause, if Mr.&nbsp;Dwight terminates his employment with good reason, or if Mr.&nbsp;Dwight&#146;s employment is terminated upon a change in control of Horizon, his agreement provides for Horizon to pay Mr.&nbsp;Dwight an amount
equal to two times his then-current annual base salary plus his bonus for the previous two calendar years and for Mr.&nbsp;Dwight to receive health and certain other benefits for a two-year period. If Horizon terminates Mr.&nbsp;Edwards&#146; or
Mr.&nbsp;Neff&#146;s employment without cause, or if either of Mr.&nbsp;Edwards or Mr.&nbsp;Neff terminates his employment for good reason, their agreement provides for Horizon to pay them an amount equal to their then-current annual base salary
plus an amount equal to the average of their bonuses for the previous two calendar years. If Mr.&nbsp;Edwards&#146; or Mr.&nbsp;Neff&#146; employment is terminated upon a change in control, the agreement provides for Horizon to pay them an amount
equal to twice their then-current salary plus an amount equal to the average of their bonuses for the previous two calendar years. Mr.&nbsp;Edwards&#146; and Mr.&nbsp;Neff&#146;s agreements also provide for them to receive health and certain
benefits for a one-year period following their termination without cause, for good reason, or upon a change in control. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Messrs.
Dwight&#146;s, Edwards&#146; and Neff&#146;s agreements provide that upon written notice to Horizon, each may terminate his employment during a 30-day period beginning on a date six months following the date of a change in control. Likewise, Horizon
may, upon 30 days&#146; written notice to the executive, terminate the executive&#146;s employment during the six months </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">115 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
immediately following a change in control. Termination by either the executive or Horizon under these circumstances triggers additional benefits, as summarized below under &#147;Potential
Payments Upon Termination or Change in Control.&#148; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Messrs. Dwight&#146;s, Edwards&#146; and Neff&#146;s agreements also include
provisions that limit the aggregate amount of the payment to an amount that is otherwise deductible by Horizon for federal income tax purposes after application of Code Section&nbsp;280G and that protect Horizon&#146;s and Horizon Bank&#146;s
confidential business information and prohibit competition for specified periods. Mr.&nbsp;Dwight&#146;s agreement prohibits him from competing against Horizon for a two-year period following the date of his termination, and Mr.&nbsp;Edwards&#146;
and Mr.&nbsp;Neff&#146;s agreements prohibit them from competing against Horizon for a one-year period. </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Grants of Plan-Based Awards
</B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Four of the named executive officers had the opportunity to earn cash bonuses under the Executive Officer Bonus Plan if Horizon met
the earnings targets the Compensation Committee had established for 2014. Mr.&nbsp;Neff had the opportunity to earn a cash bonus under a separate plan. A detailed description of the Executive Officer Bonus Plan and Mr.&nbsp;Neff&#146;s plan is
provided above in the Compensation Discussion and Analysis. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The following table presents the possible payouts the named executive
officers had the opportunity to receive for 2014. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="42%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="34" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Estimated Possible Payouts Under Non-Equity Incentive Plan Awards</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Threshold ($)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Target ($)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Maximum ($)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE="border-bottom:1.00pt solid #000000; width:20.00pt; font-size:8pt; font-family:Times New Roman"><B>Name</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Short<BR>Term<BR>Goals</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Long<BR>Term<BR>Goals</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Total</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Short<BR>Term<BR>Goals</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Long<BR>Term<BR>Goals</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Total</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Short<BR>Term<BR>Goals</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Long<BR>Term<BR>Goals</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Total</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Craig M. Dwight</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">18,255</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">18,255</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">36,510</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">73,019</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">73,019</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">146,038</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">115,972</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">115,972</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">231,944</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Mark E. Secor</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,375</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,375</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14,750</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">29,500</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">29,500</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">59,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">59,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">59,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">118,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Thomas H. Edwards</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,114</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,114</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14,228</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">42,684</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">42,684</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">85,368</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">78,254</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">78,254</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">156,508</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">James D. Neff <SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">40,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">200,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">240,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">David G. Rose</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,313</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,313</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,626</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">25,250</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">25,250</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">50,500</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">50,500</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">50,500</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">101,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Mr.&nbsp;Neff&#146;s bonus is paid pursuant to a separate arrangement, and he does not participate in the Executive Officer Bonus Plan. </TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">116 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Outstanding Equity Awards at Fiscal Year-End for 2014 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The following table presents information on stock options and restricted stock held by the named executive officers on December&nbsp;31, 2014.
</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" ALIGN="center">


<TR>
<TD WIDTH="40%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:7pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="18" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Option Awards</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Stock Awards</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:7pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE="border-bottom:1.00pt solid #000000; width:17.50pt; font-size:7pt; font-family:Times New Roman"><B>Name</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Number of<BR>Securities<BR>Underlying<BR>Unexercised<BR>Options (#)<BR>Exercisable&nbsp;<SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP></B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Number of<BR>Securities<BR>Underlying<BR>Unexercised<BR>Options (#)<BR>Unexercisable<SUP STYLE="font-size:85%; vertical-align:top">&nbsp;(2)</SUP></B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Equity<BR>Incentive&nbsp;Plan<BR>Awards:<BR>Number of<BR>Securities<BR>Underlying<BR>Unexercised<BR>Unearned<BR>Options (#)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Option<BR>Exercise<BR>Price&nbsp;($)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Option&nbsp;Expiration<BR>Date</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Number of<BR>Shares or<BR>Units&nbsp;of&nbsp;Stock<BR>That&nbsp;Have&nbsp;Not<BR>Vested&nbsp;(#)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Market&nbsp;Value<BR>of Shares or<BR>Units of<BR>Stock That<BR>Have Not<BR>Vested ($)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Equity<BR>Incentive&nbsp;Plan<BR>Awards:<BR>Number of<BR>Unearned<BR>Shares, Units<BR>or Other<BR>Rights That<BR>Have Not<BR>Vested (#)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Equity<BR>Incentive&nbsp;Plan<BR>Awards:<BR>Market or<BR>Payout Value<BR>of Unearned<BR>Shares, Units<BR>or Other<BR>Rights That<BR>Have Not<BR>Vested
($)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Craig M. Dwight</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,232</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,465</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">11.73</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">March&nbsp;20,&nbsp;2022</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,087</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">211,394</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,618</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,235</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20.24</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">June 18, 2023</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,923</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">22.20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">March 18, 2024</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Mark E. Secor</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11,250</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12.22</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">June 18, 2017</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,120</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">186,117</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,563</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,127</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20.24</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">June 18, 2023</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,135</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">22.20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">March 18, 2024</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Thomas M. Edwards</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,927</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,854</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20.24</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">June 18, 2023</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,777</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">229,431</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,096</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">22.20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">March 18, 2024</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">James D. Neff</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,832</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,664</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20.24</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">June 18, 2023</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,344</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">218,112</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,845</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">22.20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">March 18, 2024</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">David G. Rose</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,500</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.91</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">September&nbsp;14,&nbsp;2020</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,675</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">96,065</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">807</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,614</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20.24</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">June 18, 2023</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,135</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">22.20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">March 18, 2024</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">All options have a ten-year life with pro-rata vesting over a three- or five-year period from the grant date. </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(2)</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">The shares represented could not be acquired by the named executive officers as of December&nbsp;31, 2014. </TD></TR></TABLE>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Option Exercises and Stock Vested for 2014 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The following table presents information on the exercise by named executive officers of stock options during 2014 and the shares of restricted
stock held by named executive officers vested during 2014. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="92%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="56%"></TD>
<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Option Awards</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Stock Awards</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE="border-bottom:1.00pt solid #000000; width:20.00pt; font-size:8pt; font-family:Times New Roman"><B>Name</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Number of<BR>Shares<BR>Acquired&nbsp;on<BR>Exercise (#)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Value&nbsp;Realized<BR>on Exercise<BR>($)<SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP></B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Number of<BR>Shares<BR>Acquired&nbsp;on<BR>Vesting (#)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Value&nbsp;Realized<BR>on Vesting ($)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Craig M. Dwight</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Mark E. Secor</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Thomas H. Edwards</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">James D. Neff</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">David G. Rose</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Amounts reflecting value realized upon exercise of options are based on the difference between the closing price for a share on the date of exercise and the exercise price for a share. </TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">117 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Nonqualified Deferred Compensation for 2014 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The following table presents information on compensation deferred by and matching contributions for each of the named executive officers under
the Supplemental Executive Retirement Plan, which is discussed above in the Compensation Discussion and Analysis. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="46%"></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE="border-bottom:1.00pt solid #000000; width:20.00pt; font-size:8pt; font-family:Times New Roman"><B>Name</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Executive<BR>Contributions&nbsp;in<BR>Last Fiscal Year<BR>($)<SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP></B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Registrant<BR>Contributions&nbsp;in<BR>Last Fiscal Year<BR>($)<SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP></B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Aggregate<BR>Earnings&nbsp;in&nbsp;Last<BR>Fiscal Year($)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Aggregate<BR>Withdrawals/<BR>Distributions<BR>($)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Aggregate<BR>Balance&nbsp;at&nbsp;Last<BR>Fiscal&nbsp;Year&nbsp;End<BR>($)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Craig M. Dwight</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">50,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">25,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">44,449</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,410,991</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Mark E. Secor</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">29,793</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14,897</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">33,197</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">207,526</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Thomas H. Edwards</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">33,652</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16,826</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">31,120</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">706,663</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">James D. Neff</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">30,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">85,721</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">774,666</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">David G. Rose</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">50,957</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">25,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">44,257</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">693,933</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Executive contributions are included in the &#147;Salary&#148; column of the Summary Compensation Table and Registrant Contributions are included in the &#147;All Other Compensation&#148; column of the Summary
Compensation Table. </TD></TR></TABLE> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_118"></A>Potential Payments Upon Termination or Change in Control </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Horizon and Horizon Bank have agreements with the named executive officers and plans in which the named executive officers participate that
provide for benefits upon the resignation, severance, retirement or other termination of the named executive officers. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>Employment
and Change-in-Control Agreements </I></B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The employment agreement with Mr.&nbsp;Dwight discussed above provides that if Horizon terminates
Mr.&nbsp;Dwight&#146;s employment without cause, if Mr.&nbsp;Dwight terminates his employment with good reason, or if Mr.&nbsp;Dwight&#146;s employment is terminated upon a change in control of Horizon by either Horizon or by Mr.&nbsp;Dwight
pursuant to a right to terminate the agreement for a 30-day period beginning six months following a change in control, Horizon will pay Mr.&nbsp;Dwight an amount equal to two times his then-current annual base salary plus his bonus for the previous
two calendar years and for Mr.&nbsp;Dwight to receive health and life insurance benefits for a two-year period, as well as reimbursement of up to $30,000 for expenses in searching for a new position. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The employment agreements with Mr.&nbsp;Edwards and Mr.&nbsp;Neff discussed above provide that if Horizon terminates Mr.&nbsp;Edwards&#146; or
Mr.&nbsp;Neff&#146;s employment without cause, or if Mr.&nbsp;Edwards or Mr.&nbsp;Neff terminates his employment with good reason, Horizon will pay each an amount equal to his then-current annual base salary, plus an amount equal to the average of
his bonus for the prior two years. If Mr.&nbsp;Edwards&#146; or Mr.&nbsp;Neff&#146;s employment is terminated upon a change of control of Horizon by either Horizon or by Mr.&nbsp;Edwards or Mr.&nbsp;Neff pursuant to a right to terminate the
agreement for a 30-day period beginning six months following a change in control, Horizon will pay each an amount equal to twice his then-current annual base salary, plus an amount equal to the average of his bonus for the past two years. If
Mr.&nbsp;Edwards&#146; or Mr.&nbsp;Neff&#146;s employment were terminated for any of the preceding reasons, each would also be entitled to receive health and life insurance benefits for a one-year period as well as reimbursement of up to $20,000 for
expenses in searching for a new position, subject to certain restrictions. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The definitions of the terms &#147;cause,&#148; &#147;good
reason&#148; and &#147;change in control&#148; are central to an understanding of the potential payments to the executive officers pursuant to their agreements. The definitions in the agreements are summarized in the following paragraphs. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Under Messrs. Dwight&#146;s, Edwards&#146; and Neff&#146;s employment agreements, Horizon has &#147;cause&#148; to terminate the executive
officer if he breaches any provision of the agreement, is prohibited from participating in the conduct of Horizon Bank&#146;s affairs pursuant to an order issued under specified provisions of the Federal Deposit Insurance Act, or if he has engaged
in any of the specific activities listed in the agreement, including the following: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">an intentional act of fraud, embezzlement, theft or personal dishonesty; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">willful misconduct; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">breach of fiduciary duty involving personal profit in the course of the executive&#146;s employment; </TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">118 </P>


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


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">intentional wrongful damage to Horizon&#146;s business or property, causing material harm to Horizon; or </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">gross negligence or insubordination in the performance of the executive&#146;s duties, or the executive&#146;s refusal or repeated failure to carry out lawful directives of the board. </TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">A termination by the executive officer is for &#147;good reason&#148; if we take any of the following actions without the executive&#146;s
prior written consent: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">require the executive to move his office to a location more than 30 miles from his principal residence; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">reduce the executive&#146;s then-current annual base salary by 10% or more, unless the reduction is part of an institution-wide reduction and proportionate to the reduction in the base salaries of all other Horizon
executive officers; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">remove the executive from participation in any incentive compensation or performance-based compensation plans, unless we terminate the participation of all of Horizon&#146;s other executive officers in the plans;
</TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">reduce any material benefit plan or program or deprive the executive of any such benefit enjoyed by him, unless part of an institution-wide reduction and applied similarly to all of Horizon&#146;s other executive
officers; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">assign the executive duties and responsibilities materially different from those normally associated with his position as described in the agreement; </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">materially reduce the executive&#146;s responsibilities or authority (including reporting responsibilities) in connection with his employment; </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">materially reduce the executive&#146;s secretarial or administrative support; or </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">breach any provision of the agreement. </TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">A &#147;change in control&#148; would include any of
the following events: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">A merger, consolidation or similar transaction involving Horizon or Horizon Bank that results in the shareholders immediately prior to the transaction owning shares of the surviving or combined entity possessing voting
rights equal to or less than 50 percent of the voting rights of all shareholders of such entity, determined on a fully diluted basis; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">A sale, lease, exchange, transfer or other disposition of all or any substantial part of the consolidated assets of Horizon or Horizon Bank; </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">A tender, exchange, sale or other disposition (other than a disposition of the stock in connection with bankruptcy, insolvency, foreclosure, receivership or other similar transactions) or purchase (other than by
Horizon, an employee benefit plan of Horizon or Horizon Bank, or members of Horizon&#146;s or Horizon Bank&#146;s board of directors) of shares representing more than 25 percent of the voting power of Horizon or Horizon Bank; or </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">During any period of two consecutive years, the individuals who constituted the board of directors as of the date of the executive&#146;s agreement cease for any reason to constitute at least a majority of the
board&#146;s members, unless the election of each director at the beginning of the period has been approved by directors representing at least a majority of the directors then in office. </TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">A change in control will not occur, however, if Horizon issues stock in a public offering; in connection with a transaction approved by a
majority of shareholders or in which a majority of the shareholders (other than shareholders subject to Exchange Act Section&nbsp;16(b)) have tendered their shares; or due to stock ownership by any Horizon employee benefit plan. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If Mr.&nbsp;Dwight&#146;s, Mr.&nbsp;Edwards&#146; or Mr.&nbsp;Neff&#146;s employment had been terminated in connection with a change in
control as of December&nbsp;31, 2014, each would have been entitled to a severance amount and other benefits under his employment agreement in the following amounts: Mr.&nbsp;Dwight $1,266,131; Mr.&nbsp;Edwards $702,964; and Mr.&nbsp;Neff $739,549.
If Mr.&nbsp;Dwight&#146;s, Mr.&nbsp;Edwards&#146; or Mr.&nbsp;Neff&#146;s employment had been terminated by Horizon without cause, or by the executive with good reason as of December&nbsp;31, 2014, each would have been entitled to a severance amount
and other benefits under his employment agreement in the following amounts: Mr.&nbsp;Dwight $1,266,131; Mr.&nbsp;Edwards $418,403; and Mr.&nbsp;Neff $470,977. If Mr.&nbsp;Dwight&#146;s, Mr.&nbsp;Edwards&#146; or Mr.&nbsp;Neff&#146;s employment is
terminated by Horizon with cause, by the executive without good reason or due to the executive&#146;s death or disability, each executive, or his estate in the event of death, would be entitled to the
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">119 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
payment of vested or accrued amounts under incentive compensation and employee benefits plans and life insurance proceeds. None of Messrs. Dwight, Edwards or Neff held any vested options or other
plan awards or was entitled to any benefits other than pursuant to life insurance policies as of December&nbsp;31, 2014. Therefore, if Messrs. Dwight&#146;s, Edwards&#146; or Neff&#146;s employment had terminated on December&nbsp;31, 2014, the only
amounts payable would have been life insurance and salary continuation proceeds in the amount of $800,000 for Mr.&nbsp;Dwight, $784,561 for Mr.&nbsp;Edwards and $768,572 for Mr.&nbsp;Neff to each of their estates. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">One of the other named executive officers, Mr.&nbsp;Secor, is a party to a change of control agreement with Horizon Bank.
Mr.&nbsp;Secor&#146;s agreement was amended effective as of January&nbsp;1, 2009, to reflect the change in his title and responsibilities as of that date. In Mr.&nbsp;Secor&#146;s agreement, the definition of &#147;change in control&#148; is the
same as the definition described above in connection with the discussion of the employment agreements of Messrs. Dwight, Edwards and Neff. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Mr.&nbsp;Secor&#146;s agreement provides that upon a change of control, a new term of employment will commence for the executive officer at
the same base salary that the executive officer was receiving at the time of the change of control and such salary may not be reduced for a period of one year following the change of control. If Horizon had terminated Mr.&nbsp;Secor&#146;s
employment without &#147;cause&#148; or if Mr.&nbsp;Secor had terminated his employment without &#147;good reason&#148; immediately after a change in control as of December&nbsp;31, 2014, the amount he would have been paid under his agreement would
have been $236,000. This amount excludes stock options that vest upon a change in control, which are discussed below. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Under
Mr.&nbsp;Secor&#146;s change in control agreement, &#147;cause&#148; is defined as: (i)&nbsp;personal dishonesty, (ii)&nbsp;incompetence, (iii)&nbsp;willful misconduct, (iv)&nbsp;willful violation of any law, rule, regulation or Bank policy (other
than traffic violations or smaller offenses) or final cease-and-desist order, (v)&nbsp;any removal and/or permanent prohibition from participating in the conduct of Horizon Bank&#146;s or any affiliate&#146;s affairs, or (v)&nbsp;any material breach
of any term, condition or covenant of the change in control agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Mr.&nbsp;Secor&#146;s change in control agreement defines
&#147;good reason&#148; as: (i)&nbsp;any action by Horizon Bank or remove him as Chief Financial Officer, except where Horizon Bank properly acts to remove him from such office for &#147;cause&#148;; (ii)&nbsp;any action by Horizon Bank to
materially eliminate, limit, increase, or modify his duties and/or authority as Chief Financial Officer, (iii)&nbsp;any failure of Horizon Bank or Horizon to obtain the assumption of the obligation to perform the obligations under the change in
control agreement by any successor company; or (iv)&nbsp;any intentional breach by Horizon Bank of a term, condition or covenant of the change in control agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In the event of death, Mr.&nbsp;Secor&#146;s estate would have been entitled to life insurance and salary continuation proceeds in the amount
of $708,000. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If any of Messrs. Dwight, Edwards, Neff, Rose or Secor qualifies as a &#147;key employee&#148; under Code Section&nbsp;409A
at the time of their separation from service, Horizon may not make certain payments of nonqualified deferred compensation to them earlier than six months following the date of their separation from service (or, if earlier, the date of their death).
Each of Messrs. Dwight, Edwards, Neff, Rose and Secor currently is considered to be a &#147;key employee.&#148; </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>Other Benefits Upon
Termination or Change in Control </I></B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In the event of a change in control of Horizon, the recipient of stock options and shares of
restricted stock granted to executive officers under the 2003 Omnibus Plan or the 2013 Omnibus Plan (collectively, the &#147;Omnibus Plan&#148;) that are then outstanding and that either are not then exercisable or are subject to any restrictions
will become immediately exercisable, and all restrictions will be removed, as of the first date that the change in control has been deemed to have occurred. In addition, stock options granted to executive officers will be vested and fully
exercisable as of the date of death, disability or retirement of the executive officer. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Omnibus Plan provides that a &#147;change in
control&#148; will be deemed to have occurred if any of the following conditions or events occurs: (1)&nbsp;any merger, consolidation or similar transaction which involves Horizon and in which persons who are the shareholders of Horizon immediately
prior to the transaction own, immediately after the transaction, shares of the surviving or combined entity which possess voting rights equal to or less than 50% of the voting rights of all shareholders of such entity, determined on a fully diluted
basis; (2)&nbsp;any sale, lease, exchange, transfer or other disposition of all or any substantial part of the consolidated assets of Horizon; (3)&nbsp;any tender, exchange, sale or other disposition (other than disposition of the stock of Horizon
or Horizon Bank in connection with bankruptcy, insolvency, foreclosure, receivership or other similar transactions) or purchase (other than purchases by Horizon or any Horizon sponsored employee benefit plan, or purchases by members of the board of
directors of Horizon or any subsidiary) of shares which represent more than 25% of the voting power of Horizon or Horizon Bank; or (4)&nbsp;during any period of two consecutive years individuals who at the date of the adoption of the Omnibus Plan
constitute the board cease for any reason to constitute at least a majority of the board, </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">120 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
unless the election of each director at the beginning of the period has been approved by directors representing at least a majority of the directors then in office. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Omnibus Plan provides, however, that a change in control will not be deemed to have occurred (1)&nbsp;as a result of the issuance of stock
by Horizon in connection with any public offering of its stock; (2)&nbsp;with respect to any transaction unless such transaction has been approved or shares have been tendered by a majority of the shareholders who are not persons subject to
liability under Section&nbsp;16(b) of the Exchange Act; or (3)&nbsp;due to stock ownership by the Horizon Bancorp Employees&#146; Stock Ownership Plan Trust, which forms a part of the Horizon Bancorp Employees&#146; Stock Ownership Plan, the Horizon
Bancorp Employee&#146;s Thrift Plan Trust Agreement, which forms a part of the Horizon Bancorp Employee&#146;s Thrift Plan, or any other employee benefit plan. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If a change in control had occurred as of December&nbsp;31, 2014, the stock options granted to executive officers that were not previously
vested would have become fully vested as of that date. The outstanding stock options for the executive officers are discussed in more detail in the discussion of Outstanding Equity Awards at Fiscal Year-End for 2014. The Omnibus Plan is discussed in
more detail above in the Compensation Discussion and Analysis. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_119"></A>Section&nbsp;162(m) </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Pursuant to Section&nbsp;162(m) of the Code, in certain circumstances, the deductibility of compensation paid to any individual executive
officer of a public company, including stock-based compensation, is limited to $1,000,000. Although Horizon retains the discretion to award compensation that exceeds the limits in Section&nbsp;162(m) of the Code, Horizon expects that the
remuneration of its senior executive officers will remain under the applicable $1,000,000 limit. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_120"></A>Compensation of Directors
</B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The following table presents information about Horizon&#146;s compensation of members of the board of directors. Information on the
compensation received by Mr.&nbsp;Dwight, who is a named executive officer, is included in the Summary Compensation Table above. Mr.&nbsp;Dwight does not receive any additional compensation for service on the board of directors. </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Director Compensation for 2014 </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="44%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE="border-bottom:1.00pt solid #000000; width:20.00pt; font-size:8pt; font-family:Times New Roman"><B>Name</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Fees<BR>Earned<BR>or&nbsp;Paid&nbsp;in<BR>Cash ($)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Stock<BR>Awards<BR>($)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Option<BR>Awards<BR>($)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Non-Equity<BR>Incentive Plan<BR>Compensation<BR>($)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Change in<BR>Pension Value<BR>and<BR>Nonqualified<BR>Deferred<BR>Compensation<BR>Earnings</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>All Other<BR>Compensation<BR>($)<SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP></B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Total ($)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Susan D. Aaron</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">27,016</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">14,984</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">42,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Lawrence E. Burnell</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">27,016</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14,984</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">42,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">James B. Dworkin</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">25,016</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14,984</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">40,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Charley E. Gillispie</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">31,016</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14,984</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">46,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Daniel F. Hopp</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top"></SUP>&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">39,016<SUP STYLE="font-size:85%; vertical-align:top"></SUP></TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14,984</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">54,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Larry N. Middleton</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">25,016</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14,984</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">40,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Peter L. Pairitz</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">29,016</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14,984</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">44,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Steven W. Reed</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">25,016</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14,984</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">40,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Robert E. Swinehart</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">25,016</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14,984</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">40,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Spero W. Valavanis</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">27,016</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14,984</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">42,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
</TABLE> <P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:10%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Includes $10,000 paid to Mr.&nbsp;Hopp as Lead Director. </TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Horizon paid each of its
non-employee directors a cash retainer of $25,016 and a bonus in Horizon common shares equal in value to $14,984 for their services in 2014. Active employees of Horizon and/or Horizon Bank receive no separate compensation for their services as
directors. The Chairpersons of the Compensation Committee and Loan Committee receive an additional cash amount of $4,000, the Chairperson of the Audit Committee receives an additional $6,000 and the Chairpersons of the Asset Liability Committee,
Long Range Planning Committee and Trust Committee receive an additional </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">121 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
$2,000. Directors do not receive additional compensation for attending meetings of committees of the board or for special assignments or meetings. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I></I>In April 2012, the board adopted Guidelines that require each independent director to maintain ownership of Horizon common shares
having a value equal to least three times their annual retainer. The Guidelines are discussed above in the &#147;<I>Stock Ownership Guidelines</I>&#148; section under &#147;<I>Corporate Governance</I>.&#148; All of the members of the Horizon board
of directors also serve as directors of Horizon Bank, which is a national bank. Federal banking law requires that a national bank director maintain shares of a bank&#146;s stock, or of the company that controls the bank, having a minimum aggregate
fair market value of $1,000. All of the directors satisfy this requirement.<I> </I></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Horizon sponsors a Directors&#146; Deferred
Compensation Plan, which allows non-employee directors of Horizon and Horizon Bank to elect to defer the receipt of fees for their services. Earnings on fees deferred under the plan are based on the five-year Treasury rate plus 200 basis points but
not to exceed 120% of the Applicable Federal Long-Term Rate for monthly compounding. Payments of deferred fees are made to participants or their beneficiaries in a lump sum or annual installments upon death or disability of the participants or as
designated by participants. Participants have no rights to amounts deferred other than rights as general creditors of Horizon. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_121"></A>Report of the Audit Committee </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This report is being provided to inform shareholders of the Audit Committee&#146;s oversight with respect to Horizon&#146;s financial
reporting. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>Review with Management and Independent Auditors </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Audit Committee has reviewed and discussed with management the audited financial statements for the year ended December&nbsp;31, 2014. In
addition, the Audit Committee has discussed with BKD, LLP all communications required by generally accepted auditing standards, including the matters required to be discussed by the Statement of Auditing Standards No.&nbsp;16, &#147;Communications
with Audit Committees&#148; issued by the Public Company Accounting Oversight Board. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Audit Committee has received the written
disclosures and the letter from BKD, LLP required by applicable requirements of the Public Company Accounting Oversight Board regarding BKD, LLP&#146;s communications with the Audit Committee concerning independence, and has discussed with BKD, LLP
their independence. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>Conclusion </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; 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 that the audited
financial statements be included in the Annual Report on Form 10-K for the year ended December&nbsp;31, 2014, to be filed with the Securities and Exchange Commission. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:8%; font-size:10pt; font-family:Times New Roman">Charley Gillispie, Chairperson </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:8%; font-size:10pt; font-family:Times New Roman">James B. Dworkin </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:8%; font-size:10pt; font-family:Times New Roman">Larry N.
Middleton </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:8%; font-size:10pt; font-family:Times New Roman">Robert E. Swinehart </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_122">
</A>Certain Business Relationships and Transactions </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In accordance with Horizon&#146;s Audit Committee Charter and NASDAQ requirements,
the Audit Committee is responsible for reviewing and approving the terms and conditions of all related person transactions. Horizon&#146;s Amended and Restated Articles of Incorporation provided the procedures for the board to follow in approving or
ratifying transactions with Horizon in which a director has a direct or indirect interest. The Articles provide that such transactions will be approved or ratified upon the affirmative vote of a majority of the directors on the board or a board
committee who do not have a direct or indirect interest in the transaction or by a vote of the shareholders. Horizon&#146;s Code of Ethics for Executive Officers and Directors and the Advisor Code of Conduct for Horizon and Horizon Bank provide the
policies and procedures for the review and approval or ratification of conflict of interest transactions. Any situations involving potential conflicts of interest involving an executive officer, director or member of his or her family, if material,
are to be reported and discussed with the Code of Ethics contact person. For executive officers, the contact person is the Chief Executive Officer, or if the executive officer believes it more appropriate, the Chairman of the Audit Committee. For
directors, the contact person is the Chairman of the Audit Committee. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Directors and executive officers of Horizon and their associates
were customers of, and had transactions with, Horizon Bank in the ordinary course of business during 2014. Horizon Bank expects that comparable transactions will occur in the future. These transactions were made in the ordinary course of business on
substantially the same terms, including </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">122 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
interest rates, collateral and repayment terms, as those prevailing at the time for comparable transactions with unrelated third parties. In the opinion of Horizon&#146;s management, these
transactions did not involve more than normal risk of collectability or present other unfavorable features. Loans made to directors and executive officers are in compliance with federal banking regulations and are thereby exempt from insider loan
prohibitions included in the Sarbanes-Oxley Act of 2002. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_123"></A>Advisory Vote to Approve Executive Compensation (Item 3 on the
Horizon Proxy Card) </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>Background of the Proposal </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This proposal provides Horizon&#146;s shareholders with the opportunity to cast an advisory vote to approve Horizon&#146;s executive
compensation. As in recent years, Horizon is providing shareholders with an opportunity to vote, in an advisory capacity, on Horizon&#146;s executive compensation. This proposal is included in compliance with Section&nbsp;14A of the Securities
Exchange Act. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>Executive Compensation </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Horizon believes that its compensation is focused on principles that are strongly aligned with the long-term interests of its shareholders.
Horizon believes that both Horizon and its shareholders benefit from Horizon&#146;s compensation policies and practices. The proposal described below, commonly known as a &#147;say-on-pay&#148; proposal, gives Horizon&#146;s shareholders the
opportunity to endorse or not endorse Horizon&#146;s executive compensation program for named executive officers described in this joint proxy statement/prospectus. At the 2014 annual meeting, shareholders approved the compensation of Horizon&#146;s
named executive officers, with 98% of the shares voted on the proposal being voted in favor of the compensation arrangements. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">As
described above in the Compensation Discussion and Analysis section of this joint proxy statement/prospectus, a main objective of Horizon&#146;s executive compensation program is to align a significant portion of each executive officer&#146;s total
compensation with Horizon&#146;s annual and long-term performance and with the interests of Horizon&#146;s shareholders. A second, related objective of the executive compensation program is to attract and retain experienced, highly qualified
executives so as to enhance Horizon&#146;s long-term success and shareholder value. The board of directors believes that Horizon&#146;s compensation policies and procedures achieve these objectives. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The following chart compares the change in market price of Horizon&#146;s stock to that of other publicly traded banks in Indiana and Michigan
over the past five years. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">123 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B></B><I></I><B></B><B><I>Horizon Bancorp</I></B><B></B><I></I><B> </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt;margin-bottom:0pt" ALIGN="center">


<IMG SRC="g915197dsp135.jpg" ALT="LOGO">
 </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="64%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="22" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B><I>Period Ending</I></B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE="border-bottom:1.00pt solid #000000; width:19.10pt; font-size:8pt; font-family:Times New Roman"><B><I>Index</I></B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>12/31/09</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>12/31/10</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>12/31/11</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>12/31/12</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>12/31/13</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>12/31/14</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Horizon Bancorp</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">100.00</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">164.00</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">160.27</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">272.58</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">351.37</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">362.61</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Indiana Banks</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">100.00</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">116.33</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">118.06</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">127.83</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">174.97</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">182.34</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Michigan Banks</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">100.00</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">67.31</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">45.77</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">79.67</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">96.94</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">94.56</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="51%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="47%"></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Source: SNL Financial LC, Charlottesville, VA</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><SUP STYLE="font-size:85%; vertical-align:top">&copy;</SUP> 2013</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="right"><U>www.snl.com</U></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">During 2014, Horizon&#146;s Compensation Committee met with Horizon&#146;s Senior Auditor to review
Horizon&#146;s executive officer incentive compensation program for any features that may incentivize undue risk taking. The participants in this meeting concluded that Horizon&#146;s incentive compensation plans have several features that help
mitigate the possibility that executive officers will take undue risks. These features include the following: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">The Compensation Committee may unilaterally amend, modify or cancel the plans at any time at their sole discretion. </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Named executive officer bonuses will only be paid if Horizon achieves a minimum net income level that is more than sufficient to cover fixed costs and dividends at the holding company. This minimum net income level
supports the concept that the shareholders are paid first and ahead of executive officer bonuses. </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Executive officers will only be paid bonuses if they are in good standing with Horizon and not under a performance warning, suspension or individual regulatory sanction. </TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">124 </P>


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


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">The Committee or its designee is to review and approve all executive officer bonuses prior to payment. </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Bonuses are subject to receipt of an unqualified opinion by Horizon&#146;s independent accountants on its most current year-end financial statements. </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>Incentive compensation may be &#147;clawed back&#148; pursuant to a Horizon Bank policy as discussed above under the heading &#147;Recovery of Incentive Compensation under the Dodd-Frank Act.&#148;
</TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In addition, based on information from Cook&nbsp;&amp; Co., Horizon&#146;s compensation consultants, and other sources,
Horizon believes its compensation levels for its executive officers are within acceptable ranges based on Horizon&#146;s performance in the top quartile of its peer group. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Shareholders are encouraged to carefully review the &#147;</B><B><I>Compensation Discussion and Analysis</I></B><B>&#148; and
&#147;</B><B><I>Executive Compensation Tables</I></B><B>&#148; sections of this joint proxy statement/prospectus for a detailed discussion of Horizon&#146;s executive compensation program. </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This proposal gives Horizon&#146;s shareholders the opportunity to endorse or not endorse Horizon&#146;s overall executive compensation
program and policies as reflected in the Compensation Discussion and Analysis, the disclosures regarding named executive officer compensation provided in the various tables included in this joint proxy statement/prospectus, the accompanying
narrative disclosures and the other compensation information provided in this joint proxy statement/prospectus. The vote is advisory, which means that the vote is not binding on Horizon, the board of directors or the Compensation Committee of the
board of directors. However, the board of directors and the Compensation Committee value the opinion of shareholders and will consider the outcome of this vote when considering executive compensation arrangements. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">At the 2012 annual meeting, Horizon provided shareholders with the opportunity to vote on the frequency of future say-on-pay advisory votes.
The board of directors recommended that the advisory say-on-pay vote be held on an annual basis, and over 95% of the shares that were voted on the matter were cast in favor of an annual vote. Accordingly, the board of directors has included an
advisory say-on-pay vote at each annual meeting held thereafter, and has directed that this advisory say-on-pay vote be included for the 2015 Annual Meeting. The next advisory say-on-pay vote will be at the 2016 annual meeting. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Accordingly, Horizon asks its shareholders to vote on the following resolution at the Annual Meeting: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:8%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;RESOLVED, that the shareholders of Horizon Bancorp approve, on an advisory basis, the compensation of the named executive
officers, as disclosed in Horizon Bancorp&#146;s Proxy Statement for the 2015 Annual Meeting of Shareholders pursuant to the compensation disclosure rules of the Securities and Exchange Commission, including the Compensation Discussion and Analysis,
the 2014 Summary Compensation Table and the other related tables and disclosure.&#148; </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>Vote Required and Effect </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Approval of this proposal requires that the number of votes cast in favor of the proposal exceed the number of votes cast against the proposal.
Because this shareholder vote is advisory, it will not be binding upon the board of directors. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>The board of directors unanimously
recommends a vote &#147;FOR&#148; approval of the compensation of Horizon&#146;s named executive officers as disclosed in this joint proxy statement/prospectus (Item 3 on the Horizon proxy card). </B></P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_124"></A>Ratification of Appointment of Independent Auditors (Item 4 on the Horizon Proxy Card) </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">BKD, LLP served as Horizon&#146;s independent auditors for 2013 and 2014. Upon the recommendation of the Audit Committee, the board of
directors has selected BKD, LLP as Horizon&#146;s independent auditors for 2015. BKD, LLP has served as Horizon&#146;s independent auditors since 1998. Shareholder ratification of the appointment of the independent auditors is not required by law,
but the Audit Committee has proposed and recommended the submission of the appointment of BKD, LLP to the shareholders to give the shareholders input into the designation of the auditors. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Ratification of the appointment of Horizon&#146;s independent auditor requires that more shares be voted in favor of the proposal than against
the proposal. If the shareholders do not ratify the selection of BKD, LLP, the Audit Committee may reconsider its selection of BKD, LLP as independent auditors. Even if this proposal to ratify the auditors is approved, the Audit Committee, in its
discretion, may direct the appointment of different independent auditors at any time during the year if it determines that such a change would be in the best interests of Horizon or its shareholders. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">125 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Representatives of BKD, LLP are expected to be present at the Annual Meeting to respond to
appropriate questions and to make such statements as they may desire. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>The board of directors recommends that Horizon&#146;s
shareholders vote &#147;FOR&#148; the ratification of the appointment of BKD, LLP as Horizon&#146;s independent auditors for 2015 (Item&nbsp;4 on the Horizon proxy card). </B></P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_125"></A>Auditor Fees and Services </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">BKD, LLP served as Horizon&#146;s independent auditors for 2014 and 2013. The services performed by BKD, LLP in this capacity included
conducting an examination in accordance with generally accepted auditing standards of, and expressing an opinion on, Horizon&#146;s consolidated financial statements. The board of directors has selected BKD, LLP as the independent public accountants
for 2015 and is seeking shareholder ratification at the Annual Meeting. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>Audit Fees </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">BKD, LLP&#146;s fees for professional services rendered in connection with the audit and review of Forms 10-Q and all other SEC regulatory
filings were $186,000 for 2014 and $182,600 for 2013. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>Audit-Related Fees </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">BKD, LLP&#146;s audit-related fees were $54,885 for 2014 and $3,500 for 2013. These fees related to accounting consultations and consent
procedures performed in conjunction with the Company&#146;s acquisition of SCB Bancorp, Inc. in 2014 and the filing of other registration statements in both 2014 and 2013. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>Tax Fees </I></B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">BKD,
LLP&#146;s fees for tax services were $26,285 for 2014 and $35,150 for 2013. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>All Other Fees </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">No other fees were paid to BKD, LLP for 2014 or 2013. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>Board of Directors Pre-Approval </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Horizon&#146;s Audit Committee formally adopted resolutions pre-approving the engagement of BKD LLP to act as Horizon&#146;s independent
auditor for the two fiscal years ended December&nbsp;31, 2015. The Audit Committee has not adopted pre-approval policies and procedures in accordance with paragraph (c)(7)(i) of Rule 2-01 of Regulation S-X, because it anticipates that, in the
future, the engagement of BKD LLP will be pre-approved by the Audit Committee. All audit-related fees and fees for tax services for 2014 and 2013 were pre-approved by the Audit Committee. Horizon&#146;s independent auditors performed all work
described above with their respective full-time, permanent employees. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_126"></A>Section&nbsp;16(a) Beneficial Ownership Reporting
Compliance </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Executive officers and directors of Horizon and owners of more than 10% of Horizon&#146;s common shares are required to
file reports of their ownership and changes in their ownership of Horizon common shares with the SEC. Copies of these reports also must be furnished to Horizon. Based solely upon a review of copies furnished to Horizon through the date of this joint
proxy statement/prospectus or written representations that no reports were required, Horizon believes that its executive officers, directors, and 10% shareholders complied with the 2014 filing requirements. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_128"></A>Adjournment of the Annual Meeting (Item 5 on the Horizon Proxy Card) </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In addition to the proposals set forth above, including the proposal to approve the Merger Agreement, the shareholders of Horizon also are
being asked to approve a proposal to adjourn or postpone the Annual Meeting to permit further solicitation of proxies in the event that an insufficient number of shares is present in person or by proxy to approve any of the above items. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">It is rare for a public company to achieve 100% (or even 90%) shareholder participation at an annual or special meeting of shareholders, and
only a majority of the holders of the outstanding shares of Horizon common stock are required to be represented at the Annual Meeting, in person or by proxy, for a quorum to be present.&nbsp;In the event that shareholder participation at the Annual
Meeting is lower than expected, Horizon would like the flexibility to postpone or adjourn the meeting in order to attempt to secure broader shareholder participation.&nbsp;If Horizon desires to adjourn the Annual Meeting, Horizon will request a
motion that the Annual Meeting be adjourned, and delay the vote on the proposals described herein, including the proposal to approve the Merger Agreement until the Annual Meeting is reconvened.&nbsp;If Horizon adjourns the Annual Meeting for 30 days
or less, Horizon will not set a new record date and will announce prior to adjournment the date, </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">126 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
time, and location at which the Annual Meeting will be reconvened.&nbsp;No other notice will be provided.&nbsp;Unless revoked prior to its use, any proxy solicited for the Annual Meeting will
continue to be valid for any adjourned or postponed Annual Meeting, and will be voted in accordance with the shareholder&#146;s instructions and, if no contrary instructions are given, for the proposals described herein. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Any adjournment will permit Horizon to solicit additional proxies and will permit a greater expression of the views of Horizon&#146;s
shareholders with respect to the merger.&nbsp;Such an adjournment would be disadvantageous to shareholders who are against the proposal to approve the Merger Agreement because an adjournment will give Horizon additional time to solicit favorable
votes and increase the chances of approving that proposal.&nbsp;Horizon has no reason to believe that an adjournment of the Annual Meeting will be necessary at this time. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Horizon&#146;s board of directors recommends that shareholders vote &#147;FOR&#148; the proposal to adjourn or postpone the Annual Meeting
(Item&nbsp;5 on the Horizon proxy card).</B></P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="tx915197_129"></A>ADDITIONAL INFORMATION ABOUT PEOPLES </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_130"></A>Business of Peoples </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Peoples is an Indiana corporation organized in October 1990 to become the savings and loan holding company for Peoples Bank. Peoples is the
sole shareholder of Peoples Bank. Peoples has no other business activity other than being the holding company for Peoples Bank and is subject to regulation by the Federal Reserve Board. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Peoples Bank was founded in 1925 and chartered by the Federal Home Loan Bank Board, now the OCC, in 1937. Since that time, it has been a
member of the Federal Home Loan Bank System and the Federal Home Loan Bank of Indianapolis (&#147;FHLB of Indianapolis&#148;). Its deposit accounts are insured up to applicable limits by the Federal Deposit Insurance Corporation (the
&#147;FDIC&#148;). It is regulated by the OCC. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Peoples Bank now conducts business from its main office in Auburn, Indiana and its eleven
full-service offices located in Avilla, Columbia City, Garrett, Kendallville, LaGrange, Topeka, Middlebury, Howe, Woodburn, and Waterloo, Indiana. It also conducts business from four full-service offices in Three Rivers, Union and Schoolcraft,
Michigan. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Peoples Bank offers a wide range of consumer and commercial financial services in Northeastern Indiana and Southern Michigan.
These services include: consumer demand deposit accounts; NOW accounts; regular and term savings accounts and savings certificates; residential and commercial real estate loans; and secured and unsecured consumer loans. During 1999, Peoples Bank
added agricultural and commercial lending officers to its staff. Since these types of loans pose a higher credit risk than traditional mortgage lending, they typically offer higher yields and are for shorter terms. Peoples Bank provides these
services through a branch network comprised of sixteen full-service banking offices. It also provides credit card services, as well as enhancements to loan and deposit products designed to provide customers with added conveniences. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_131"></A>Trust Department </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In October 1984, the FHLB of Indianapolis granted full trust powers to Peoples Bank, one of the first savings institutions in Indiana to be
granted such powers. As of September&nbsp;30, 2014, Peoples Bank&#146;s trust department assets totaled approximately $152 million including self-directed Individual Retirement Accounts (&#147;IRAs&#148;), and it offers a variety of trust services
including estate planning. As of that date, the trust department was administering approximately 465 trust accounts, including estates, guardianships, revocable and irrevocable trusts, testamentary trusts, and self-directed IRAs. The trust
department also offers and administers self-directed IRAs and Simplified Employee Pension IRAs for small businesses. The trust department provides a needed service to the communities served by Peoples Bank, as well as generating fee income which is
largely unaffected by interest rate fluctuations. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_132"></A>Non-Bank Subsidiary </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">PFDC Investments, Inc. (&#147;PFDCI&#148;) was organized in March of 2006 under the laws of the State of Nevada. It is wholly owned by Peoples
Bank and its assets consist solely of certain investment securities and cash. At September&nbsp;30, 2014, PFDCI had $109 million of assets. Net income for the period was $2.4 million. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_133"></A>Employees </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">As
of September&nbsp;30, 2014, Peoples Bank employed 114 persons on a full-time basis and 19 persons on a part-time basis. Peoples Bank&#146;s employees are not represented by any collective bargaining group, and management considers its relations with
its employees to be excellent. The holding company has no employees. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">127 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_134"></A>Regulation and Supervision </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B><I>General. </I></B>Peoples Bank is a federally chartered savings bank, the deposits of which are federally insured and backed by the full
faith and credit of the United States Government. Accordingly, Peoples Bank is subject to broad federal regulation and oversight by the OCC. This supervision and regulation are intended primarily for the protection of depositors and the federal
deposit insurance fund. Peoples Bank is a member of the Federal Home Loan Bank of Indianapolis and is subject to certain limited regulation by the Federal Reserve Board. The Federal Reserve Board regulates loans to insiders, transactions with
affiliates, and tying arrangements with respect to Peoples Bank.<B><I> </I></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Peoples is a unitary savings and loan holding company
subject to regulatory oversight by the Federal Reserve Board. Peoples is required to register and file reports with the Federal Reserve Board and is subject to regulation and examination by the Federal Reserve Board. In addition, the Federal Reserve
Board has enforcement authority over Peoples. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Peoples generally is not subject to activity restrictions. If Peoples acquired control of
another savings institution as a separate subsidiary, it would become a multiple savings and loan holding company, and its activities and any of its subsidiaries (other than Peoples Bank or any other savings institution) would generally become
subject to additional restrictions.</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B><I>Insurance of Deposits.</I></B> Deposits in Peoples Bank are insured by the Deposit Insurance
Fund of the FDIC up to a maximum amount, which is generally $250,000 per depositor, subject to aggregation rules. Peoples Bank is subject to deposit insurance assessments by the FDIC pursuant to its regulations establishing a risk-related deposit
insurance assessment system, based upon the institution&#146;s capital levels and risk profile. Under the FDIC&#146;s risk-based assessment system, insured institutions are assigned to one of four risk-weighted categories based on supervisory
evaluations, regulatory capital levels, and certain other factors with less risky institutions paying lower assessments. An institution&#146;s initial assessment rate depends upon the category to which it is assigned. There are also adjustments to a
bank&#146;s initial assessment rates based on levels of long-term unsecured debt, secured liabilities in excess of 25% of domestic deposits and, for certain institutions, brokered deposit levels. Pursuant to FDIC rules adopted under the Dodd-Frank
Wall Street Reform and Consumer Protection Act (the &#147;Dodd-Frank Act&#148;) (described below), initial assessments ranged from 5 to 35 basis points of the institution&#146;s total assets minus tangible equity. Peoples Bank paid assessments at
the rate of 5.165 basis points for each $100 of insured deposits during the fiscal year ended September&nbsp;30, 2014. <B><I> </I></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Peoples Bank is also subject to assessment for the Financing Corporation (FICO) to service the interest on its bond obligations. The amount
assessed on individual institutions, including Peoples Bank, by FICO is in addition to the amount paid for deposit insurance according to the risk-related assessment rate schedule. These assessments will continue until the FICO bonds are repaid
between 2017 and 2019. During 2014, the FICO assessment rate was .62 basis points for each $100 of the same assessment bases applicable to the FDIC assessment. For the first quarter of 2015, the FICO assessment rate is .60 basis points. Peoples Bank
expensed deposit insurance assessments (including the FICO assessments) of $25,000 during the fiscal year ended September&nbsp;30, 2014. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The FDIC has authority to increase insurance assessments. A significant increase in insurance premiums would likely have an adverse effect on
the operating expenses and results of operations of Peoples Bank. Management cannot predict what insurance assessment rates will be in the future. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B><I>Regulatory Capital Requirements for Peoples Bank. </I></B>The Federal Deposit Insurance Corporation Improvement Act of 1991
(&#147;FDICIA&#148;) requires, among other things, that federal bank regulatory authorities take &#147;prompt corrective action&#148; with respect to institutions that do not meet minimum capital requirements. For these purposes, FDICIA establishes
five capital tiers: well capitalized, adequately capitalized, undercapitalized, significantly undercapitalized and critically undercapitalized. To be considered adequately capitalized under the prompt corrective action regulations, a savings
association must maintain the following capital ratios: a leverage ratio (the ratio of Tier 1 capital to total assets) of at least 4% (unless its supervisory condition allows a 3% ratio), a Tier 1 risk-based ratio (the ratio of Tier 1 capital to
risk-weighted assets) of at least 4%, and a total risk-based capital ratio (the ratio of total capital to risk-weighted assets) of at least 8%. Total capital consists of Tier 1 and Tier 2 capital.<B><I> </I></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">To be considered well capitalized, a savings association must have a leverage ratio of at least 5%, a Tier 1 risk-based ratio of at least 6%
and a total risk-based capital ratio of 10%. As of September&nbsp;30, 2014, Peoples Bank qualified as well capitalized, with a leverage ratio of 11.04%, a Tier 1 risk-based capital ratio of 21.31% and a total risk-based capital ratio of 22.12%. The
OCC may reclassify a savings association in a lower capital category or require it to hold additional capital based upon supervisory concerns on a case-by-case basis. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">128 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B><I>Regulatory Capital Requirements for Peoples.</I></B> The Dodd-Frank Act required the
Federal Reserve Board to set minimum capital levels for bank holding companies that would be as stringent as those required for insured depository subsidiaries. Bank holding companies with less than $500 million in assets were exempted from these
capital requirements, but not savings and loan holding companies. The legislation also established a floor for capital of insured depository institutions and directed the federal banking regulators to implement new leverage and capital requirements
that would take into account off-balance sheet activities and risks, including risks related to securitized products and derivatives.<B><I> </I></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">As a result of these mandates, on July&nbsp;2, 2013, the Federal Reserve Board approved final rules that substantially amended the regulatory
risk-based capital rules applicable to Peoples and Peoples Bank. These new risk-based capital and leverage ratios will be phased in from 2015 to 2019. Effective in December 2014, however, Congress passed a law increasing the $500 million threshold
exemption for small bank holding companies and including savings and loan holding companies within that exemption. In general, bank holding companies and savings and loan holding companies with less than $1 billion in total consolidated assets will
not be subject to the new regulatory capital requirements (but these requirements will apply to their depository institution subsidiaries). Legislation proposed by the Federal Reserve Board is pending to implement this law. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B><I>New Capital Rules. </I></B>On July&nbsp;2, 2013, the Federal Reserve Board approved final rules that substantially amended the
regulatory risk-based capital rules applicable to Peoples Bank. The FDIC and the OCC subsequently approved these rules. The final rules implement the &#147;Basel III&#148; regulatory capital reforms and changes required by the Dodd-Frank Act.
&#147;Basel III&#148; refers to two consultative documents released by the Basel Committee on Banking Supervision in December 2009, the rules text released in December 2010, and loss absorbency rules issued in January 2011, which include significant
changes to bank capital, leverage and liquidity requirements.<B><I> </I></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The final rules include new risk-based capital and leverage
ratios, which will be phased in from 2015 to 2019, and will refine the definition of what constitutes &#147;capital&#148; for purposes of calculating those ratios. The new minimum capital level requirements applicable to Peoples Bank under the final
rules are: (i)&nbsp;a new common equity Tier 1 capital ratio of 4.5%; (ii)&nbsp;a Tier 1 capital ratio of 6% (increased from 4%); (iii)&nbsp;a total capital ratio of 8% (unchanged from current rules); and (iv)&nbsp;a Tier 1 leverage ratio of 4% for
all institutions. The rules also establish a &#147;capital conservation buffer&#148; above the new regulatory minimum capital requirements, which must consist entirely of common equity Tier 1 capital. The capital conservation buffer requirement will
be phased in over four years beginning on January&nbsp;1, 2016, as follows: the maximum buffer will be 0.625% of risk-weighted assets for 2016, 1.25% for 2017, 1.875% for 2018, and 2.5% for 2019 and thereafter. This will result in the following
minimum ratios beginning in 2019: (i)&nbsp;a common equity Tier 1 capital ratio of 7.0%, (ii)&nbsp;a Tier 1 capital ratio of 8.5%, and (iii)&nbsp;a total capital ratio of 10.5%. Under the final rules, institutions are subject to limitations on
paying dividends, engaging in share repurchases, and paying discretionary bonuses if its capital level falls below the buffer amount. These limitations would establish a maximum percentage of eligible retained income that could be utilized for such
actions. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The final rules also contain revisions to the prompt corrective action framework, which is designed to place restrictions on
insured depository institutions, including Peoples Bank, if their capital levels begin to show signs of weakness. These revisions took effect January&nbsp;1, 2015. Under the prompt corrective action requirements, which are designed to complement the
capital conservation buffer, insured depository institutions will be required to meet the following increased capital level requirements in order to qualify as &#147;well capitalized&#148;: (i)&nbsp;a new common equity Tier 1 capital ratio of 6.5%;
(ii)&nbsp;a Tier 1 capital ratio of 8% (increased from 6%); (iii)&nbsp;a total capital ratio of 10% (unchanged from current rules); and (iv)&nbsp;a Tier 1 leverage ratio of 5% (increased from 4%). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Based on its current capital composition and levels, Peoples Bank believes that it would be in compliance with the requirements as set forth
in the final rules if they were presently in effect. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B><I>Limitations on Dividends and Other Capital Distributions. </I></B>OCC
regulations impose various restrictions on savings institutions with respect to their ability to make distributions of capital, which include dividends, stock redemptions or repurchases, cash-out mergers and other transactions charged to the capital
account.<B><I> </I></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">A savings association that is a subsidiary of a holding company, such as Peoples Bank, may make a capital
distribution with prior notice to the Federal Reserve Board (with a copy to the OCC), in an amount that does not exceed its net income for the calendar year-to-date plus retained net income for the previous two calendar years (less any dividends
previously paid) if the savings association has a regulatory rating in the two top examination categories, is not of supervisory concern, and would remain <FONT STYLE="white-space:nowrap">well-capitalized</FONT> following the proposed distribution.
All other institutions or those seeking to exceed the noted amounts must obtain approval from the Federal Reserve Board for a capital distribution before making the distribution. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">129 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Peoples&#146; declaration of dividends is subject to Indiana law, which generally prohibits the
payment of dividends to amounts that will not affect the ability of Peoples, after the dividend has been distributed, to pay its debts in the ordinary course of business. Moreover, such dividends may not exceed the difference between Peoples&#146;
total assets and total liabilities plus preferential amounts payable to shareholders with rights superior to those of the holders of common stock. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In addition, the Federal Reserve Board may prohibit Peoples&#146; payment of dividends if it concludes such payment would raise safety and
soundness concerns at either Peoples Bank or Peoples. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B><I>Qualified Thrift Lender Test. </I></B>All savings institutions are required
to meet a qualified thrift lender test to avoid certain restrictions on their operations. This test requires a savings institution to have at least 65% of its portfolio assets in qualified thrift investments on a monthly average for nine out of
every 12 months on a rolling basis. As an alternative, the savings institution may maintain 60% of its assets in those assets specified in Section&nbsp;7701(a)(19) of the Code. Under either test, these assets primarily consist of residential housing
related loans and investments. At September&nbsp;30, 2014, Peoples Bank met the test.<B><I> </I></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Any savings institution that fails to
meet the qualified thrift lender test must either convert to a national bank or restrict its branching rights, new activities and investments to those permissible for a national bank. In addition, under the Dodd-Frank Act, a savings association that
fails the qualified thrift lender test will be prohibited from paying dividends, except for dividends that are permissible for national banks, are necessary to meet obligations of the company that controls the savings association, and are
specifically approved by the OCC and the Federal Reserve Board. If the institution has not requalified or converted to a national bank within three years after the failure, it must sell all investments and stop all activities not permissible for a
national bank. If any institution that fails the qualified thrift lender test is controlled by a holding company, then within one year after the failure, the holding company must register as a bank holding company and become subject to all
restrictions on bank holding companies. Under the Dodd-Frank Act, the failure to satisfy the qualified thrift lender test may also result in regulatory enforcement action. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B><I>Transactions with Affiliates.</I></B> Generally, transactions between a savings association or its subsidiaries and its affiliates are
required to be on terms as favorable to the association as transactions with non-affiliates. In addition, certain of these transactions, such as loans to an affiliate, are restricted to a percentage of the association&#146;s capital and are subject
to collateralization requirements. Affiliates of Peoples Bank include Peoples. In addition, a savings association may not lend to any affiliate engaged in activities not permissible for a bank holding company or acquire the securities of an
affiliate.<B><I> </I></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B><I>Loan to One Borrower Limit. </I></B>Peoples Bank&#146;s general permissible lending limit for loans to one
borrower is equal to the greater of $500,000 or 15% of unimpaired capital and surplus, except for loans fully secured by certain readily marketable collateral, in which case this limit is increased to 25% of unimpaired capital and surplus. At
September&nbsp;30, 2014, Peoples Bank&#146;s lending limit under this restriction was $8.1 million.<B><I> </I></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B><I>Community
Reinvestment Act. </I></B>Under the Community Reinvestment Act, every FDIC insured institution has a continuing and affirmative obligation, consistent with safe and sound banking practices, to help meet the credit needs of its entire community,
including low- and moderate-income neighborhoods. The Community Reinvestment Act requires the OCC, in connection with Peoples Bank&#146;s examination, to assess its record of meeting the credit needs of its community and to take this record into
account in its evaluation of certain applications, such as a merger or the establishment of a branch, by Peoples Bank. An unsatisfactory rating may be used as the basis for the denial of an application by the OCC. Peoples Bank was last examined for
Community Reinvestment Act compliance in 2013 and received a rating of &#147;Satisfactory.&#148;<B><I> </I></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B><I>USA PATRIOT Act of
2001. </I></B>In 2001, President Bush signed the USA PATRIOT Act of 2001 (the &#147;PATRIOT Act&#148;). The PATRIOT Act, among other things, is intended to strengthen the ability of U.S. law enforcement to combat terrorism on a variety of fronts.
The PATRIOT Act contains sweeping anti-money laundering and financial transparency laws and requires financial institutions to implement additional policies and procedures with respect to, or additional measures designed to address, any or all of
the following matters, among others: money laundering, suspicious activities and currency transaction reporting, and currency crimes. These provisions have not materially affected the operations of Peoples Bank.<B><I> </I></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B><I>Mortgage Reform and Anti-Predatory Lending. </I></B>Title XIV of the Dodd-Frank Act, the Mortgage Reform and Anti-Predatory Lending Act,
includes a series of amendments to the Truth In Lending Act with respect to mortgage loan origination standards affecting, among other things, originator compensation, minimum repayment standards and pre-payments. With respect to mortgage loan
originator compensation, except in limited circumstances, an originator is prohibited from receiving compensation that varies based on the terms of the loan (other than the principal amount). The amendments to the Truth In Lending Act also prohibit
a creditor from making a residential mortgage loan unless it determines, based on verified and documented information of the consumer&#146;s financial resources, that the consumer has a <B><I>
</I></B></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">130 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
reasonable ability to repay the loan. The amendments also prohibit certain pre-payment penalties and require creditors offering a consumer a mortgage loan with pre-payment penalty to offer the
consumer the option of a mortgage loan without such a penalty. In addition, the Dodd-Frank Act expands the definition of a &#147;high-cost mortgage&#148; under the Truth In Lending Act, and imposes new requirements on high-cost mortgages and new
disclosure, reporting and notice requirements for residential mortgage loans, as well as new requirements with respect to escrows and appraisal practices. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B><I>Financial System Reform-The Dodd-Frank Act and the CFPB.</I></B> On July&nbsp;21, 2010, President Obama signed into law the Dodd-Frank
Act, which significantly changed the regulation of financial institutions and the financial services industry. Many of its provisions went into effect on July&nbsp;21, 2011, the one-year anniversary. The Dodd-Frank Act includes provisions affecting
large and small financial institutions alike, including several provisions that profoundly affect how community banks, thrifts, and small bank and thrift holding companies, such as Peoples, are regulated. Among other things, these provisions
abolished the Office of Thrift Supervision and transferred its functions to the other federal banking agencies, relaxed rules regarding interstate branching, allowed financial institutions to pay interest on business checking accounts, changed the
scope of federal deposit insurance coverage, imposed new capital requirements on bank and thrift holding companies, and imposed limits on debit card interchange fees charged by large banks (commonly known as the Durbin Amendment).<B><I> </I></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Dodd-Frank Act created a new, independent federal agency called the Consumer Financial Protection Bureau (&#147;CFPB&#148;), which was
granted broad rulemaking, supervisory and enforcement powers under various federal consumer financial protection laws, including the Equal Credit Opportunity Act, Truth in Lending Act, Real Estate Settlement Procedures Act, Fair Credit Reporting
Act, Fair Debt Collection Act, the Consumer Financial Privacy provisions of the Gramm-Leach-Bliley Act, and certain other statutes. In July 2011, many of the consumer financial protection functions formerly assigned to the federal banking and other
designated agencies transferred to the CFPB. The CFPB has a large budget and staff, and has the authority to implement regulations under federal consumer protection laws and enforce those laws against financial institutions. The CFPB will have
examination and primary enforcement authority with respect to depository institutions with $10 billion or more in assets. Smaller institutions will be subject to rules promulgated by the CFPB but will continue to be examined and supervised by the
federal banking regulators for consumer compliance purposes. The CFPB will have authority to prevent unfair, deceptive or abusive practice in connection with the offering of consumer financial products. Additionally, this bureau is authorized to
collect fines and provide consumer restitution in the event of violations, engage in consumer financial education, track consumer complaints, request data, and promote the availability of financial services to underserved consumers and communities.
Moreover, the Dodd-Frank Act authorizes the CFPB to establish certain minimum standards for the origination of residential mortgages including a determination of the borrower&#146;s ability to repay. In addition, the Dodd-Frank Act will allow
borrowers to raise certain defenses to foreclosure if they receive any loan other than a &#147;qualified mortgage&#148; as defined by the CFPB. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The CFPB has indicated that mortgage lending is an area of supervisory focus and that it will concentrate its examination and rulemaking
efforts on the variety of mortgage-related topics required under the Dodd-Frank Act, including minimum standards for the origination of residential mortgages. The CFPB has published several final regulations impacting the mortgage industry,
including rules related to ability-to-repay, mortgage servicing, escrow accounts, and mortgage loan originator compensation. The ability-to-repay rule makes lenders liable if they fail to assess ability to repay under a prescribed test, but also
creates a safe harbor for so called &#147;qualified mortgages.&#148; Failure to comply with the ability-to-repay rule may result in possible CFPB enforcement action and special statutory damages plus actual, class action, and attorneys&#146; fees
damages, all of which a borrower may claim in defense of a foreclosure action at any time. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Dodd-Frank Act contains numerous other
provisions affecting financial institutions of all types, many of which may have an impact on the operating environment of Peoples in substantial and unpredictable ways. Consequently, the Dodd-Frank Act is expected to increase the cost of doing
business for Peoples, it may limit or expand its permissible activities, and it may affect the competitive balance within its industry and market areas. The nature and extent of future legislative and regulatory changes affecting financial
institutions, including as a result of the Dodd-Frank Act and the CFPB, is unpredictable at this time. Peoples&#146; management continues to actively monitor the implementation of the Dodd-Frank Act and the regulations promulgated thereunder and
assess its probable impact on the business, financial condition, and results of operations of Peoples. However, the ultimate effect of the Dodd-Frank Act and the CFPB on the financial services industry in general, and Peoples in particular, remains
uncertain. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_135"></A>Properties </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Peoples Bank owns sixteen full-service banking offices located in Indiana and Michigan. The following table provides certain information with
respect to these full-service offices as of September&nbsp;30, 2014: </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">131 </P>


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


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="76%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="73%"></TD>
<TD VALIGN="bottom" WIDTH="9%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="9%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE="border-bottom:1.00pt solid #000000; width:64.30pt; font-size:8pt; font-family:Times New Roman">Full Service Offices</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">Date&nbsp;Opened</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">Net&nbsp;Book&nbsp;Value</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center">(Dollars in<BR>thousands)</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Auburn, IN-Main Office</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1973</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">270</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Avilla, IN</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1980</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">42</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Columbia City, IN-Downtown</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1971</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">87</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Columbia City, IN-North</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1998</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">355</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Garrett, IN</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1972</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">96</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Howe, IN</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1998</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">120</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Kendallville, IN</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1941</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">217</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">LaGrange, IN</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1972</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">153</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Middlebury, IN</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1998</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">369</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Schoolcraft, MI</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1971</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">188</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Three Rivers, MI-Main Office</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1981</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">41</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Three Rivers, MI-Branch</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1988</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">557</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Topeka, IN</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2002</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">352</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Union, MI</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1988</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">118</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Waterloo, IN</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">589</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Woodburn, IN</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2013</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">616</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">4,170</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The total net book value of Peoples Bank&#146;s premises and equipment at September&nbsp;30, 2014, was $5.3
million. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_136"></A>Legal Proceedings </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">There are no material pending legal proceedings to which Peoples, Peoples Bank or Peoples Bank&#146;s subsidiary is a party or to which any of
their property is subject. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_137"></A>Market Price and Dividend Information and Related Shareholder Matters </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Peoples shares are currently quoted in OTC Pink Marketplace, also known as the &#147;pink sheets,&#148; under the trading symbol
&#147;PBNI,&#148; although prior to January of 2015 they were traded in the OTCQB under the same symbol. The following table shows, for the indicated periods, the high and low sales prices per share for Peoples common stock, as reported in the pink
sheets, and dividends declared and paid per share of Peoples common stock for those same periods. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="84%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="72%"></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Sales&nbsp;Price&nbsp;Per&nbsp;Share</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Dividends&nbsp;Paid<BR>Per Share</B></TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE="border-bottom:1.00pt solid #000000; width:54.85pt; font-size:8pt; font-family:Times New Roman"><B>Quarter Ending</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>High</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Low</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Through May &nbsp;&nbsp;&nbsp;&nbsp;, 2015</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">March&nbsp;31, 2015</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">31.00</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">23.31</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">.20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">December&nbsp;31, 2014</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">25.99</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">22.75</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">.20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">September&nbsp;30, 2014</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">25.49</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">24.50</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">.20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">June&nbsp;30, 2014</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">25.00</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">22.75</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">.20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">March&nbsp;31, 2014</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">25.25</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">22.25</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">.20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">December&nbsp;31, 2013</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">25.00</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">22.01</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">.20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">September&nbsp;30, 2013</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">27.00</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">21.00</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">.20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">June&nbsp;30, 2013</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">23.09</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">20.25</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">.20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">March&nbsp;31, 2013</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">20.50</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">20.00</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">December&nbsp;31, 2012</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">20.50</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">19.00</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">.40</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">There were &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;record holders of Peoples
common stock on May &nbsp;&nbsp;&nbsp;&nbsp;, 2015. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Peoples has no formal dividend policy. Regulations issued by the Office of the
Comptroller of the Currency govern Peoples Bank&#146;s capital requirements and may affect the amount of dividends it may pay to Peoples. Generally, the timing </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">132 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
and amount of future dividends on Peoples shares will depend on earnings, cash requirements, Peoples&#146; and Peoples Bank&#146;s financial condition, applicable government regulations, and
other factors that the Peoples board of directors deems relevant. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Under the IBCL, Peoples may pay dividends if, after the dividend
payment, Peoples is able to pay its debts as they become due and its assets exceed its liabilities. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_138"></A>Management&#146;s
Discussion and Analysis of Financial Condition and Results of Operations of Peoples Bancorp </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>Forward Looking Statements
</I></B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This Management&#146;s Discussion and Analysis of Financial Condition and Results of Operations contains statements that
constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These statements appear in a number of places and include statements regarding the intent, belief, outlook, estimate or expectations of
Peoples, its directors or its officers primarily with respect to future events and the future financial performance of Peoples. Readers of this discussion are cautioned that any such forward looking statements are not guarantees of future events or
performance and involve risks and uncertainties, and that actual results may differ materially from those in the forward looking statements as a result of various factors. The accompanying information contained in this report identifies important
factors that could cause such differences. These factors include changes in interest rates, loss of deposits and loan demand to other financial institutions, substantial changes in financial markets, changes in real estate values and the real estate
market, regulatory changes, increases in compensation and employee expenses, or unanticipated results in pending legal proceedings. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>General </I></B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Peoples
is an Indiana corporation organized in October 1990 to become the savings and loan holding company for Peoples Bank. Effective February&nbsp;29, 2000, Peoples acquired by merger Three Rivers Financial Corp. and its wholly owned subsidiary, First
Savings Bank (&#147;First Savings&#148;). Until October&nbsp;1, 2007, Peoples was the sole shareholder of Peoples Bank and First Savings. On October&nbsp;1, 2007, First Savings was merged into Peoples Bank. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Peoples conducts business from its main office in Auburn and its 15 full service offices located in Avilla, Columbia City, Garrett,
Kendallville, LaGrange, Topeka, Waterloo, Howe, Middlebury and Woodburn, Indiana and Three Rivers, Schoolcraft and Union, Michigan. Peoples&#146; primary business activity is being the holding company for Peoples Bank. Peoples Bank offers a full
range of retail deposit services and lending services. Peoples Bank has one subsidiary, PFDC Investments, Inc., a Nevada corporation, which manages an investment portfolio for Peoples Bank. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Peoples&#146; earnings are primarily dependent upon the earnings of Peoples Bank. Historically, the principal business of savings banks,
including Peoples Bank, has consisted of attracting deposits from the general public and making loans secured by residential real estate. Peoples Bank&#146;s net earnings are contingent on the difference or spread between the interest earned on its
loans and investments and the interest paid on its consumer deposits and borrowings. Prevailing economic conditions, government policies, regulations, interest rates, and local competition also significantly affect Peoples Bank. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Interest income is a function of the balance of loans and investments outstanding during a given period and the yield earned on such loans and
investments. Interest expense is a function of the amounts of deposits and borrowings outstanding during the same period and the rates paid on such deposits and borrowings. Peoples Bank&#146;s earnings are also affected by gains and losses on sales
of loans and investments, provisions for loan losses, service charges, income from subsidiary activities, operating expenses and income taxes. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Peoples has supplemented its interest income through purchases of investment securities when appropriate. Such investments include U. S.
Government securities, including those issued and guaranteed by the Federal Home Loan Mortgage Corporation (&#147;FHLMC&#148;), the Federal National Mortgage Association (&#147;FNMA&#148;), and the Government National Mortgage Association
(&#147;GNMA&#148;), and state and local obligations. This activity (a)&nbsp;generates positive interest rate spreads on large principal balances with minimal administrative expense; (b)&nbsp;lowers the credit risk of Peoples Bank&#146;s loan
portfolios as a result of the guarantees of full payment of principal and interest by FHLMC, FNMA, and GNMA; (c)&nbsp;enables Peoples Bank to use securities as collateral for financings in the capital markets; and (d)&nbsp;increases the liquidity of
Peoples Bank. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">On a yearly basis, Peoples updates its long-term strategic plan. This plan includes, among other things, Peoples&#146;
commitment to maintaining a strong capital base and continuing to improve the organization&#146;s return on assets through asset growth and controlling operating expenses. Continued careful monitoring of interest rate risk is also cited as an
important goal. As a result, continued origination of short-term consumer and installment loans, prime plus equity loans, adjustable rate mortgage loans, and fixed-rate real estate loans with original terms of 15 years or less is emphasized. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">133 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>Overview </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Peoples had net income of $3.40 million for the year ended September&nbsp;30, 2014 compared to $2.63 million for the year ended
September&nbsp;30, 2013. On a diluted per share basis, Peoples earned $1.47 per share in 2014, and $1.11 per share in 2013. The increase in earnings was due to a decrease of $690,000 in interest expense paid on deposits and borrowings to $3.0
million for the year ended September&nbsp;30, 2014 compared to the year ended September&nbsp;30, 2013 and an increase in net interest income because of better returns on certain investment securities resulting from slower prepayment speeds. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Net interest income was $12.46 million for the year ended September&nbsp;30, 2014 compared to $11.66 million for the year ended
September&nbsp;30, 2013. The net interest margin was 2.86% and 2.66% for the years ended September&nbsp;30, 2014 and 2013, respectively. The increase in margin has been due to the interest rate market effect on mortgage backed securities, resulting
in slower prepayments and thus less premium amortization. Those factors increased the yields on those securities. Another factor was the previously mentioned decrease in interest expenses. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Non-interest income was impacted by decreased gains on the sale of investment securities and loans and decreased fees and service charges for
the year ended September&nbsp;30, 2014 compared to the year ended September&nbsp;30, 2013, only partially offset by increases in income from fiduciary activities generated by Peoples Bank&#146;s trust department. The decrease in the gain on sale of
loans was due largely to decreased consumer mortgage lending activity in fiscal 2014 compared to fiscal 2013. Peoples Bank originated $21.5 million of consumer mortgage loans during the 12 months ended September&nbsp;30, 2014 compared to $44.6
million during the 12 months ended September&nbsp;30, 2013. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Non-interest expenses decreased in fiscal 2014 due largely to better claims
experience within Peoples&#146; self-insured health care plan for employees. Additionally, 2013 contained $872,000 of prepayment penalty expense to retire FHLB debt early that was not repeated in 2014. Non-interest expenses, as a percentage of
Peoples&#146; total assets, were 2.51% and 2.84% for the fiscal years ended September&nbsp;30, 2014 and 2013, respectively. Changes in Peoples&#146; mix of taxable earnings related to the investment portfolio increased tax expense during the year
ended September&nbsp;30, 2014. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>Critical Accounting Policies </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Peoples has established various accounting policies which govern the application of accounting principles generally accepted in the United
States in the preparation of its financial statements. The significant accounting policies of Peoples are described in the footnotes to the consolidated financial statements for fiscal year 2014 beginning at page F-8 in this joint proxy
statement/prospectus. Certain of these policies are important to the portrayal of Peoples&#146; financial condition and results of operations, since they require management to make difficult, complex or subjective judgments, some of which may relate
to matters that are significant and inherently uncertain. Management believes that its critical accounting policies include determining the allowance for loan losses (&#147;ALL&#148;) and accounting for goodwill. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><I>Allowance For Loan Losses </I></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The ALL is a significant estimate that can and does change based on management&#146;s assumptions about specific borrowers and applicable
economic and environmental conditions, among other factors. Management reviews the adequacy of the ALL on a quarterly basis. This review is based on specific identified risks or anticipated losses in individual loans, a percentage factor based on
the classification of certain loans, and management&#146;s analysis of overall economic conditions such as employment, bankruptcy trends, property value changes and changes in delinquency levels. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Credits are evaluated individually based on degree of delinquency and/or identified risk ratings of special mention or worse. Credits with
delinquency levels of less than 60 days and risk ratings of satisfactory/monitor or better, are reviewed in the aggregate. Percentage factors applied to individual credits are based on risk rating, the type of credit and estimated potential losses
in the event liquidation becomes necessary. Percentage factors applied to loans reviewed in the aggregate are based solely on the type of credit. Anticipated losses on loans transferred to real estate owned are recognized immediately upon recording
the asset. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The ALL also includes a component based on management&#146;s assumptions of changes in risk in non-quantifiable areas such as
market conditions, property values, employment conditions and perceived changes in overall portfolio quality due to changes in concentration, underwriting changes and both national and regional trends. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">External factors such as increases in unemployment, regional softness in property values and increasing national numbers in bankruptcy and
internal factors such as the continuing increase in the commercial loan portfolio, and increasing unsecured delinquencies and charge offs may result in larger losses in current economic conditions. Management believes its process for identifying
specific risks in the portfolio is adequate and appropriate. However, fraud on the part of borrowers cannot always be uncovered by a bank. Changes in loan concentration, delinquency and portfolio are addressed through the
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">134 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
variation in percentages used in calculating the ALL for various types of credit as well as individual review of &#147;high risk&#148; credits and large loans. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><I>Accounting for Goodwill </I></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Goodwill is no longer amortized by Peoples but instead is tested annually for impairment. The impairment testing involves estimating the fair
value of Peoples and comparing it to the carrying amount. If the fair value is less than the carrying value, then the implied fair value of goodwill shall be determined and any related impairment loss will be recognized. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>Effect of Current Events and Regulation </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><I>The Soundness of Other Financial Institutions Could Adversely Affect Peoples </I></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Financial services institutions are interrelated as a result of trading, clearing, counterparty, or other relationships. Peoples has exposure
to many different industries and counterparties, and routinely executes transactions with counterparties in the financial services industry, including brokers and dealers, commercial banks, investment banks, mutual and hedge funds, and other
institutional clients. Many of these transactions expose Peoples to credit risk in the event of default by the counterparty or client. In addition, Peoples&#146; credit risk may be exacerbated when the collateral held by Peoples cannot be realized
or is liquidated at prices not sufficient to recover the full amount of the loan or derivative exposure due. There is no assurance that any such losses would not materially and adversely affect Peoples&#146; results of operations or earnings. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><I>Difficult Market Conditions Have Adversely Affected The Financial Services Industry </I></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Peoples is particularly exposed to downturns in the U.S. housing market. Dramatic declines in the housing market over the past six years, with
falling home prices and increasing foreclosures, unemployment and under-employment, have negatively impacted the credit performance of mortgage loans and securities and resulted in significant write-downs of asset values by financial institutions,
including government-sponsored entities, major commercial and investment banks, and regional financial institutions. Reflecting concern about the stability of the financial markets generally and the strength of counterparties, many lenders and
institutional investors have continued to observe tight lending standards, including with respect to other financial institutions, although there have been signs that lending is increasing. These market conditions have led to an increased level of
commercial and consumer delinquencies, lack of consumer confidence and increased market volatility. A worsening of these conditions would likely exacerbate the adverse effects of these difficult market conditions on Peoples and others in the
financial institutions industry. In particular, Peoples may face the following risks in connection with these events: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Peoples is experiencing, and expects to continue experiencing increased regulation of the industry, particularly as a result of the Dodd-Frank Act and the CFPB. Compliance with such regulation is expected to increase
costs and limit Peoples&#146; ability to pursue business opportunities. </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Peoples&#146; ability to assess the creditworthiness of customers may be impaired if the models and approach used to select, manage and underwrite the customers become less predictive of future behaviors.
</TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">The process Peoples uses to estimate losses inherent in its credit exposure requires difficult, subjective and complex judgments, including forecasts of economic conditions and how these economic predictions might
impair the ability of borrowers to repay their loans, which may no longer be capable of accurate estimation which may, in turn, impact the reliability of the process. </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Competition in the financial services industry could intensify as a result of the increasing consolidation of financial services companies in connection with current market conditions. </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">Peoples may be required to pay significantly higher deposit insurance premiums because market developments have significantly depleted the insurance fund of the FDIC and reduced the ratio of reserves to insured
deposits. </TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In addition, the Federal Reserve has been injecting vast amounts of liquidity into the banking system to
compensate for weaknesses in short-term borrowing markets and other capital markets, but has been reducing this activity. A reduction in the Federal Reserve&#146;s activities or capacity could reduce liquidity in the markets, thereby increasing
funding costs to Peoples or reducing the availability of funds to Peoples to finance its existing operations. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">135 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><I>Concentrations of Real Estate Loans Could Subject Peoples to Increased Risks in the Event of a
Real Estate Recession or Natural Disaster </I></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">A significant portion of Peoples&#146; loan portfolio is secured by real estate. The real
estate collateral in each case provides an alternate source of repayment in the event of default by the borrower and may deteriorate in value during the time the credit is extended. A weakening of the real estate market in Peoples&#146; primary
market area could result in an increase in the number of borrowers who default on their loans and a reduction in the value of the collateral securing their loans, which in turn could have an adverse effect on Peoples&#146; profitability and asset
quality. If Peoples is required to liquidate the collateral securing a loan to satisfy the debt during a period of reduced real estate values, earnings and capital could be adversely affected. Historically, Indiana and Michigan have experienced, on
occasion, significant natural disasters, including tornadoes and floods. The availability of insurance for losses for such catastrophes is limited. Peoples&#146; operations could also be interrupted by such natural disasters. Acts of nature,
including tornadoes and floods, which may cause uninsured damage and other loss of value to real estate that secures loans or interrupts Peoples&#146; business operations, may also negatively impact operating results or financial condition. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><I>Peoples is Subject to Cybersecurity Risk and May Incur Increasing Costs in an Effort to Minimize Those Risks </I></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Peoples&#146; business employs systems and a website that allow for the secure storage and transmission of customers&#146; proprietary
information. Security breaches could expose Peoples to a risk of loss or misuse of this information, litigation and potential liability. Peoples may not have the resources or technical sophistication to anticipate or prevent rapidly evolving types
of cyber attacks. Any compromise of security could result in a violation of applicable privacy and other laws, significant legal and financial exposure, damage to Peoples&#146; reputation, and a loss of confidence in Peoples&#146; security measures,
which could harm the business. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>Discussion of Changes in Financial Condition from September&nbsp;30, 2013 to September&nbsp;30, 2014
</I></B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Total assets increased $20.4 million to $471.2 million at September&nbsp;30, 2014 compared to 2013. The increase was due primarily
to increases in cash and cash equivalents, interest-bearing time deposits and investment securities held to maturity, offset by a decrease in investment securities available for sale. Short term interest bearing deposits increased $12.0 million to
$13.5 million and total investments, including interest bearing time deposits, increased $6.7 million to $193.5 million. Approximately $11.0 million in investment securities were added to the held to maturity portfolio as part of a leverage strategy
to increase earnings.&nbsp;Net loans increased by $972,000 to $228.9 million. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Total liabilities increased $18.0 million to $410.4 million
at September&nbsp;30, 2014 compared to 2013. Deposits increased by $4.2 million to $353.9 million at September&nbsp;30, 2014 compared to 2013, and FHLB advances increased by $13.1 million to $52.2 million at September&nbsp;30, 2014 compared to 2013.
These increases were partially offset by a reduction of $247,333 in short-term borrowings. Borrowings from the FHLB increased by $13 million to take advantage of low borrowing rates being offered on longer term debt to aid in Peoples Bank&#146;s
interest rate risk position.&nbsp;Another $2.5 million was borrowed and combined with $3.0 million of brokered CDs to fund the investment portfolio leverage strategy previously mentioned.&nbsp;The brokered CDs, along with growth in fiduciary trust
accounts, contributed to the growth in deposits. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Stockholders&#146; equity increased $2.5 million to $60.8 million at September&nbsp;30,
2014 compared to 2013. Of this increase, $1.5 million came from annual earnings exceeding dividends paid to shareholders during the fiscal period and $976,000 was due to an increase in accumulated other comprehensive income related to increased
unrealized gains in Peoples Bank&#146;s investment portfolio compared to September&nbsp;30, 2013. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>Discussion of Changes in
Financial Condition from September&nbsp;30, 2014 to March&nbsp;31, 2015 </I></B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Total assets increased $5.7 million to $476.9 million at
March&nbsp;31, 2015 compared to September&nbsp;30, 2014. The increase was due primarily to increases in cash and amounts due from depository institutions. Due primarily to timing, deposit balances at the Federal Home Loan Bank of Indianapolis were
$6.2 million higher in March than they were in September. Available for sale securities also increased by $5.6 million to $175.4 million as of March&nbsp;31, 2015. That increase was offset by lower balances on short-term interest bearing deposits,
interest bearing time deposits, securities held to maturity and FHLBI stock. Net loan balances decreased by $1.1 million for the six-month period ending March&nbsp;31, 2015 to $227.8 million. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Total liabilities increased $4.2 million to $414.6 million at March&nbsp;31, 2015 compared to September&nbsp;30, 2014. Deposits increased by
$4.4 million to $358.3 million at March&nbsp;31, 2015 compared to September&nbsp;30, 2014, and FHLB advances decreased by $720,000 to $51.5 million at March&nbsp;31, 2015 compared to September&nbsp;30, 2014. These increases were partially offset by
a reduction of $465,000 in short-term borrowings. About half of the increase in deposits was due to increased balances by clients of Peoples Bank&#146;s trust department. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">136 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Stockholders&#146; equity increased $1.5 million to $62.2 million at March&nbsp;31, 2015 compared
to September&nbsp;30, 2014. Of this increase, $920,000 was due to an increase in accumulated other comprehensive income related to increased unrealized gains in Peoples Bank&#146;s investment portfolio and $550,000 came from earnings exceeding
dividends paid to shareholders during the six-month period. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>Results of Operations, Fiscal Year Ended September&nbsp;30, 2014
Compared to Fiscal Year Ended September&nbsp;30, 2013 </I></B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Peoples&#146; net income for the fiscal year ended September&nbsp;30, 2014
was $3.4 million compared to $2.6 million for the fiscal year ended September&nbsp;30, 2013. On a diluted basis, Peoples earned $1.47 per share in fiscal 2014, compared to $1.11 per share in fiscal 2013. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Peoples&#146; net interest income increased $799,000 to $12.5 million for the fiscal year ended September&nbsp;30, 2014. Interest earned on
investments and other interest-earning assets increased while interest earned on loans decreased but was offset by decreases in interest paid on deposits during the year. Although interest expense on deposits declined, actual deposit balances
increased by $4.2 million during the year. The decline in the cost of deposits was largely because of a shift from higher cost certificates of deposit to lower cost checking and savings accounts. Interest on long-term debt decreased to $1.2 million
from $1.5 million. The average balance outstanding of FHLB advances increased by $1.9 million, however, the paying off of higher cost borrowings in 2013 resulted in the decline in interest expense in 2014. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Provision for loan losses increased $122,000 to $385,000 reflecting adjustments due to management&#146;s continuing review of its loan
portfolio. Management&#146;s review of its loan portfolio is based on historical information, concentrations, delinquency trends, experience of lending personnel, review of specific loans, and general economic conditions. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Non-interest income decreased $552,000 to $3.7 million due primarily to a $390,000 decrease in securities gains, decreases in gains from the
sale of mortgage loans and a decline in fees and service charges. Peoples Bank&#146;s trust department increased revenue by 28% to $620,000 for the year ended September&nbsp;30, 2014 compared to the year ended September&nbsp;30, 2013. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Total non-interest expense decreased $986,000 to $11.8 million for the year ended September&nbsp;30, 2014. Salaries and benefits decreased
$305,000 to $7.0 million due to decreased expenses related to Peoples&#146; self-insured health insurance plan. The remaining decline was due to $872,000 of prepayment penalty expense incurred in 2013 that was not repeated in 2014. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The effective tax rate for Peoples for the years ended September&nbsp;30, 2014 and 2013 was 12.5% and 5.5%, respectively. Effective tax rates
can be affected by the mix of taxable versus tax-exempt interest income, the level of non-deductible expenses for the year, and the timing of the deductibility of certain items. Please see Note 10 to Peoples&#146; consolidated financial statements
beginning on page F-27 in this joint proxy statement/prospectus for a breakdown of these differences. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>Results of Operations, Three
Months Ended March&nbsp;31, 2015 Compared to Three Months Ended March&nbsp;31, 2014 </I></B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Peoples&#146; net income for the quarter ended
March&nbsp;31, 2015 was $657,000 compared to $746,000 for the quarter ended March&nbsp;31, 2014. On a diluted basis, Peoples earned $0.28 per share in the fiscal second quarter of 2015, compared to $0.32 per share in the same period of 2014. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Lower provision for loan loss expenses helped to mitigate the continuing decline in Peoples&#146; net interest income for the quarter ended
March&nbsp;31, 2015 compared to the same quarter ended in 2014. Interest income is declining at a faster rate than interest expenses, thus causing net interest margin to decline. Net interest margin was 2.71% for the three months ended
March&nbsp;31, 2015 compared to 2.94% for the same three-month period in 2014. Non-interest income increased $33,000 to $900,000 for the quarter. This was primarily because of the increase in trust income caused by a large increase in assets under
management during the period ended March&nbsp;31, 2015 compared to the period ended March&nbsp;31, 2014. The market value of assets in the trust department increased $83 million to $229.7 million from March&nbsp;31, 2014 to March&nbsp;31, 2015,
largely due to a single relationship. Non-interest expenses were $76,000 higher in the three-month period ending March&nbsp;31, 2015 compared to the three-month period ended March&nbsp;31, 2014. During 2015, the company paid fees associated with the
pending acquisition by Horizon of approximately $177,000. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The effective tax rate for Peoples for the quarters ended March&nbsp;31, 2015
and 2014 was 6.8% and 11.4%, respectively. Effective tax rates can be affected by the mix of taxable versus tax-exempt interest income, the level of non-deductible expenses for the year, and the timing of the deductibility of certain items. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">137 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>Results of Operations, Six Months Ended March&nbsp;31, 2015 Compared to Six Months Ended
March&nbsp;31, 2014 </I></B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Peoples&#146; net income for the six months ended March&nbsp;31, 2015 was $1.47 million compared to $1.51
million for the six months ended March&nbsp;31, 2014. On a diluted basis, Peoples earned $0.64 per share in fiscal 2015, compared to $0.65 per share in fiscal 2014. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Peoples&#146; net interest income decreased $337,000 to $5.96 million for the six-month period ended March&nbsp;31, 2015. Interest income for
the six months declined at a faster rate than interest expenses, thus causing net interest margin to decline. Net interest margin was 2.66% for the six months ended March&nbsp;31, 2015 compared to 2.92% for the same six-month period in 2014. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Provision for loan losses decreased $108,000 to $69,000 reflecting adjustments due to management&#146;s continuing review of its loan
portfolio. Management&#146;s review of its loan portfolio is based on historical information, concentrations, delinquency trends, experience of lending personnel, review of specific loans, and general economic conditions. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Non-interest income increased $326,000 to $1.9 million due primarily to a $210,000 increase in securities gains and a $79,000 increase in
fiduciary income related to fee income within the Peoples Bank&#146;s trust department. The increase in trust income was because of a growth in assets by more than 50% at March&nbsp;31, 2015 compared to March&nbsp;31, 2014. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Total non-interest expense increased $137,000 to $6.1 million for the six months ended March&nbsp;31, 2015. During 2015, the company paid fees
associated with the pending acquisition by Horizon of approximately $177,000. Salaries and benefits decreased $36,000 to $3.5 million due to decreased expenses related to Peoples&#146; self-insured health insurance plan. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The effective tax rate for Peoples for the six-month periods ended March&nbsp;31, 2015 and 2014 was 11.3% and 11.5%, respectively. Effective
tax rates can be affected by the mix of taxable versus tax-exempt interest income, the level of non-deductible expenses for the year, and the timing of the deductibility of certain items. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>Impact of Inflation and Changing Prices </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The consolidated financial statements and related data presented in this joint proxy statement/prospectus have been prepared in accordance with
generally accepted accounting principles which require the measurement of financial condition and operating results in terms of historical dollars or fair value without considering changes in the relative purchasing power of money over time due to
inflation. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Virtually all of the assets and liabilities of a financial institution are monetary in nature. As a result, interest rates
have a more significant impact on a financial institution&#146;s performance than the effects of general levels of inflation. Interest rates do not necessarily move in the same direction or with the same magnitude as the prices of goods and
services, since such prices are affected by inflation. In a volatile interest rate environment, liquidity and the maturity structure of the Banks&#146; assets and liabilities are critical to the maintenance of acceptable performance levels. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>Average Balances and Interest Rates and Yields </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The following table sets forth the weighted-average yields earned on Peoples&#146; assets and the weighted-average rate paid on deposits and
borrowings. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">138 </P>


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


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="62%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="22" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B></B>Years Ended September&nbsp;30,<B></B><br><B></B><I>(Dollars in Thousands)</I><B></B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">2014</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">2013</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">Average<BR>Balance</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">Interest</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">Yield<BR>Rate</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">Average<BR>Balance</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">Interest</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">Yield<BR>Rate</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest-earning assets:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Loans receivable (1)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">232,552</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">10,761</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.63</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">230,774</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">11,371</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.93</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Investment securities (2)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">181,357</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,448</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.45</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">194,133</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,792</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.95</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest-bearing deposits/FHLB stock</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20,987</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">269</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.28</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13,807</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">207</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.50</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total interest-earning assets</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">434,896</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15,478</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.56</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">438,714</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15,370</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.50</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Non-interest-earning assets</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">30,855</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">30,330</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total assets</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">465,751</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">469,044</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Deposits and interest-bearing liabilities:</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest-bearing deposits</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">325,789</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,840</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.56</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">329,927</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,192</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.66</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">FHLB advances</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">50,558</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,178</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.33</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">48,615</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,515</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.12</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other borrowings</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">677</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.15</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">813</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.25</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total interest-bearing liabilities</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">377,024</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,019</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.80</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">379,355</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,709</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.98</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Non-interest-bearing deposits</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">26,122</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">24,652</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total including non-interest-bearing demand deposits</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">403,146</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,019</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.75</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">404,007</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,709</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.92</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other non-interest-bearing liabilities</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,522</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,086</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total liabilities</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">405,668</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">407,093</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Stockholders&#146; equity</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">60,083</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">61,951</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total liabilities and stockholders&#146; equity</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">465,751</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">469,044</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net interest income; interest rate spread</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">12,459</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.76</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">11,661</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.52</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net interest margin (3)</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.86</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.66</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Average interest-earning assets to average interest-bearing liabilities</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">115</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">116</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:10%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(1)</TD>
<TD ALIGN="left" VALIGN="top">Average balances include nonaccrual balances. </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(2)</TD>
<TD ALIGN="left" VALIGN="top">Yield on investment securities is computed based on amortized cost. </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(3)</TD>
<TD ALIGN="left" VALIGN="top">Net interest margin is net interest income divided by average interest-earning assets. </TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">139 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>Interest Rate Spread </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The following table sets forth the weighted-average yield on interest-earning assets and the weighted-average rate on interest-bearing
liabilities for the years ending September&nbsp;30, 2014 and 2013. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="76%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="86%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">2014</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">2013</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Weighted average interest rate on:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Loans</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.63</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.93</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.45</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.95</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest-bearing deposits</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.55</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.60</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">FHLB stock</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.19</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.61</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Combined</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.56</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.50</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Weighted average cost of:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest-bearing deposits</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.56</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.66</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">FHLB advances</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.33</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.12</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other borrowings</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.15</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.25</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Combined</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.80</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.98</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest rate spread</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.76</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.52</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net yield on weighted average interest-earning assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.86</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.66</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:18pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>Rate/Volume Analysis </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In addition to changes in interest rates, changes in volume can have a significant effect on net interest income. The following table describes
the extent to which changes in interest rates and changes in volume of interest related assets and liabilities have affected Peoples Bank&#146;s interest income and expense for the periods indicated. For the purposes of this table, changes
attributable to both rate and volume, which cannot be separated, have been allocated proportionately to the change due to volume and the change due to rate. Tax-exempt income was calculated using actual rates and not adjusted for the tax effects.
</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="84%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="74%"></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">Years Ended<br>2014 vs 2013</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center">Increase</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center">(Decrease)</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center">Total</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center">Due to</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center">Increase</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">Volume</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">Rate</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">(Decrease)</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest income from:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Loans</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">88</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">($</TD>
<TD VALIGN="bottom" ALIGN="right">698</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(610</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Investment securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(250</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">906</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">656</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest-bearing deposits/FHLB stock</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">108</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(46</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">62</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total interest income</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(54</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">162</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">108</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest expense from:</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest-bearing deposits</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(27</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(325</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(352</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">FHLB Advances</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">61</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(398</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(337</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other borrowings</P></TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total interest expense</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">34</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(724</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(690</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net interest income (expense)</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">($</TD>
<TD VALIGN="bottom" ALIGN="right">88</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">886</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">798</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">140 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>Liquidity and Capital Resources </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The primary internal sources of funds for operations are principal and interest payments on loans and new deposits. In addition, if greater
liquidity is required, Peoples Bank can borrow from the FHLB. Under existing resolutions of the Peoples board of directors, Peoples may borrow an additional $33.5 million as of September&nbsp;30, 2014, and an additional $41.2 million as of
March&nbsp;31, 2015. If borrowing in excess of these amounts is ever needed, the board of directors could increase the available credit amounts significantly, limited only by the size of the loan portfolio. Peoples Bank operates under a blanket
collateral agreement with the FHLB, whereby single family loans act as collateral for the borrowings. Peoples Bank also has the ability to pledge specific government agency securities to secure its borrowings at the FHLB. In the opinion of
management, Peoples&#146; liquid assets are adequate to meet outstanding loan commitments and other obligations. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Management knows of no
existing or potential obligations which would materially impact the liquidity levels. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">During the year ended September&nbsp;30, 2014, cash
and cash equivalents increased $11.5 million, interest-bearing time deposits decreased $6.9 million, investment securities decreased $190,000, and net loans increased $972,000. Deposits increased $4.2 million, and FHLB advances increased $13.1
million. In fiscal 2014, there was $5.7 million in net cash provided by operating activities. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">During the three and six months ended
March&nbsp;31, 2015, cash and cash equivalents decreased $7.5 million and increased $4.6 million, respectively; investment securities increased $5.2 million and $4.7 million, respectively; and net loans decreased $5.4 million and $1.1 million,
respectively. Deposits decreased $10.4 million and $4.4 million for the three and six months ended March&nbsp;31, 2015, and FHLB advances decreased $203,000 and $720,000, respectively, for those periods. In the three and six months ended
March&nbsp;31, 2015, there was $1.6 million and $4.6 million, respectively, in net cash provided by operating activities. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>Off-Balance Sheet Arrangements </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Peoples does not have any off-balance sheet arrangements that have or are reasonably likely to have a current or future effect on Peoples&#146;
financial condition, changes in financial condition, revenues or expenses, results of operations, liquidity, capital expenditures or capital resources that are material to investors. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_139"></A>Additional Information Regarding Maurice F. Winkler, III </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I></I>As noted under &#147;<I>The Merger Agreement &#150; Management and Operations After the Merger</I>,&#148; Maurice F. Winkler, III, the
current President and Chief Executive Officer and a director of Peoples and Peoples Bank, will be appointed to the Horizon and Horizon Bank boards of directors effective upon the closing of the merger. Mr.&nbsp;Winkler is expected to meet the
standards to be considered an &#147;independent director&#148; of Horizon under the Listing Standards for the NASDAQ Stock Exchange, as he is not expected to be an employee of either Horizon or Horizon Bank. Set forth below is information regarding
the business background of Mr.&nbsp;Winkler, followed by information regarding compensation earned by Mr.&nbsp;Winkler during Peoples&#146; fiscal year ended September&nbsp;30, 2014.<I> </I></P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>Business Background </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I>Maurice F. Winkler, III</I>, who is age 59 as of the date hereof, was appointed to the Board of Directors of Peoples Bank and Peoples in
June 1993. Mr.&nbsp;Winkler joined Peoples Bank in 1979. From 1981 to 1985, he served as Peoples Bank&#146;s Controller and in December 1985 became Vice President-Operations. Mr.&nbsp;Winkler assumed the duties of President and Chief Executive
Officer of Peoples and Peoples Bank effective October&nbsp;1, 1996. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>Executive Compensation </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The following table presents information for compensation awarded to, earned by, or paid to Mr.&nbsp;Winkler for the fiscal years 2014 and
2013: </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">141 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Summary Compensation Table </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="66%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom"><B>Name and Principal Position</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Fiscal</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Year</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Salary<SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP></B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center"><B>Bonus<SUP STYLE="font-size:85%; vertical-align:top">(2)</SUP></B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>All Other<BR>Compensation<BR>($)<SUP STYLE="font-size:85%; vertical-align:top">(3)</SUP></B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Total ($)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Maurice F. Winkler, III</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2014</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">194,686</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">11,367</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">206,053</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">President and Chief Executive Officer</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2013</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">192,083</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">8,967</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">11,655</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">212,705</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
</TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(1)</TD>
<TD ALIGN="left" VALIGN="top">Includes salary amounts earned but deferred under Peoples Bank&#146;s 401(k) Plan, as well as fees received for service as a director of Peoples and Peoples Bank. </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(2)</TD>
<TD ALIGN="left" VALIGN="top">Under the bonus plan of Peoples Bank, bonus funds are made available from the net profits of Peoples Bank up to 10% of an employee&#146;s annual salary, as defined in the plan, with the amount of such bonus determined
by the Budget/Compensation Committee of Peoples Bank. </TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(3)</TD>
<TD ALIGN="left" VALIGN="top">Includes Peoples Bank&#146;s matching contributions and allocations under its 401(k) Plan and the value of certain insurance premiums for Mr.&nbsp;Winkler&#146;s benefits under the Peoples Bank&#146;s split-dollar
insurance plan and its 2011 Supplemental Life Insurance Plan in which Mr.&nbsp;Winkler participates. Mr.&nbsp;Winkler received certain perquisites during fiscal 2014 and 2013, but the incremental cost of providing those perquisites did not exceed
the $10,000 disclosure threshold. </TD></TR></TABLE> <P STYLE="margin-top:18pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><I>Employment and Other Agreements </I></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I></I>Horizon and Mr.&nbsp;Winkler have agreed to enter into a Mutual Termination of Employment Agreement at the closing of the merger. As
discussed under &#147;<I>Interests of Certain Directors and Officers of Peoples in the Merger</I>,&#148; as a result of the change in officer status and responsibility of Mr.&nbsp;Winkler that will occur following the merger, he will receive a lump
sum cash payment in the amount specified in his employment agreement at the effective time of the merger. Upon payment of that amount, which is currently estimated at $484,741, less applicable tax withholdings, the employment agreement between
Peoples and Mr.&nbsp;Winkler will terminate.<I> </I></P> <P STYLE="margin-top:18pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><I>Pension Plan </I></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Peoples Bank maintains an IRS qualified defined benefit pension plan for all eligible employees (the &#147;Participants&#148;), named The
Pentegra Defined Benefit Plan for Financial Institutions, as adopted by Peoples Bank (the &#147;Pension Plan&#148;). In order to be eligible to participate, an employee must attain age 21 and complete 12 months of employment. The Pension Plan is
funded solely by Peoples Bank&#146;s contributions and provides for 100% vesting after five years of credited service. All full-time employees who were Participants in the Plan on August&nbsp;1, 2007, participate in the Plan, which was frozen as of
that date. Further eligibility and benefit accruals under the Pension Plan ceased as of August&nbsp;1, 2007. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">A Participant&#146;s benefit
at normal retirement age (65)&nbsp;is dependent upon his total years of credited service and his average annual earnings for the five consecutive years of highest earnings prior to August&nbsp;1, 2007. The benefit so determined is subject to
actuarial reduction for commencement of benefit payments prior to age 65. The Pension Plan also provides for certain death benefits. Horizon plans to assume the Pension Plan at the closing of the Merger. Mr.&nbsp;Winkler anticipates receiving
retirement benefits under the Pension Plan in a lump sum of approximately $1,044,456 on or after the closing of the merger. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><I>401(k)
Plan </I></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Peoples Bank also has a Peoples Bancorp Employees&#146; Savings&nbsp;&amp; Profit Sharing Plan and Trust (the &#147;401(k)
Plan&#148;) for its employees that provides for employee contributions between 1% and 15% of salary on a pre-tax basis with matching employer contributions equal to 100% of a participant&#146;s contribution up to 6% of salary. Withdrawals under the
401(k) Plan are permitted upon the attainment of age 59 or for hardship. Participants are allowed to choose from a variety of investment vehicles to invest their 401(k) accounts and, in the absence of a choice by a participant, are invested in money
market fund accounts. The 401(k) Plan also maintains accounts holding shares of Peoples common stock for participants from a prior terminated ESOP that were acquired at a time when the 401(k) Plan offered such stock as an investment option. As of
September&nbsp;30, 2014, Mr.&nbsp;Winkler had a balance of $539,911 under the 401(k) Plan, including 9,172 shares of Peoples common stock. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>Transactions With Certain Related Persons </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Peoples Bank has followed the policy of offering loans to Peoples&#146; and Peoples Bank&#146;s directors, officers, and employees for the
financing of their principal residences. These loans are made in the ordinary course of business on substantially the same terms and collateral, including interest rates, as those of comparable transactions prevailing at the time
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">142 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
and do not involve more than the normal risk of collectability or present other unfavorable features. Peoples Bank grants consumer loans to directors, officers, and employees at rates and terms
applicable to its other customers. All loans to executive officers and directors are subject to OCC regulations restricting loans and other transactions with affiliated persons of Peoples Bank. As of September&nbsp;30, 2014, Mr.&nbsp;Winkler had a
$300,000 line of credit from Peoples Bank subject to an annual interest rate of 4.2%. No amounts had been drawn by Mr.&nbsp;Winkler on that line of credit as of September&nbsp;30, 2014. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_140"></A>Adjournment of the Special Meeting (Item 2 on the Peoples Proxy Card) </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In addition to the proposal to approve the Merger Agreement, the shareholders of Peoples also are being asked to approve a proposal to adjourn
or postpone the Special Meeting to permit further solicitation of proxies in the event that an insufficient number of shares is present in person or by proxy to approve the Merger Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">It is rare for a company to achieve 100% (or even 90%) shareholder participation at an annual or special meeting of shareholders, and only a
majority of the holders of the outstanding shares of Peoples common stock is required to be represented at the Special Meeting, in person or by proxy, for a quorum to be present.&nbsp;In the event that shareholder participation at the Special
Meeting is lower than expected, Peoples would like the flexibility to postpone or adjourn the meeting in order to attempt to secure broader shareholder participation.&nbsp;If Peoples desires to adjourn the Special Meeting, Peoples will request a
motion that the Special Meeting be adjourned, and delay the vote on the Merger Agreement proposal described herein until the Special Meeting is reconvened.&nbsp;If Peoples adjourns the Special Meeting for 30 days or less, Peoples will not set a new
record date and will announce prior to adjournment the date, time, and location at which the Special Meeting will be reconvened.&nbsp;No other notice will be provided.&nbsp;Unless revoked prior to its use, any proxy solicited for the Special Meeting
will continue to be valid for any adjourned or postponed Special Meeting, and will be voted in accordance with the shareholder&#146;s instructions and, if no contrary instructions are given, for the Merger Agreement proposal. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Any adjournment will permit Peoples to solicit additional proxies and will permit a greater expression of the views of Peoples&#146;
shareholders with respect to the merger.&nbsp;Such an adjournment would be disadvantageous to shareholders who are against the proposal to approve the Merger Agreement because an adjournment will give Peoples additional time to solicit favorable
votes and increase the chances of approving that proposal.&nbsp;Peoples has no reason to believe that an adjournment of the Special Meeting will be necessary at this time. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Peoples&#146; board of directors recommends that shareholders vote &#147;FOR&#148; the proposal to adjourn or postpone the Special Meeting,
if necessary.</B></P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="tx915197_141"></A>INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM AND EXPERTS </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The consolidated financial statements of Horizon incorporated by reference to Horizon&#146;s Annual Report on Form 10-K for the three years
ended December&nbsp;31, 2014, have been audited by BKD LLP, independent registered public accounting firm, as set forth in their report thereon incorporated by reference into this joint proxy statement/prospectus in reliance upon such report given
on the authority of BKD LLP as experts in accounting and auditing. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The consolidated financial statements of Peoples as of and for the
fiscal years ended September&nbsp;30, 2014 and 2013 included in this joint proxy statement/prospectus and in the registration statement of which this joint proxy statement/prospectus is a part have been audited by BKD LLP, independent registered
public accounting firm, as set forth in their report thereon in reliance upon such report given on the authority of BKD LLP as experts in accounting and auditing. </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="tx915197_142"></A>LEGAL MATTERS </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Certain matters pertaining to the validity of the authorization and issuance of the Horizon common stock to be issued in the proposed merger
and certain matters pertaining to the federal income tax consequences of the proposed merger will be passed upon by Barnes&nbsp;&amp; Thornburg LLP, Indianapolis, Indiana. </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="tx915197_143"></A>SHAREHOLDER PROPOSALS FOR NEXT YEAR </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_144"></A>Horizon </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If the merger is completed, Peoples shareholders will become shareholders of Horizon. To be included in
Horizon&#146;s proxy statement and voted on at Horizon&#146;s regularly scheduled 2016 annual meeting of shareholders, shareholder proposals must be submitted in writing by &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;,
2015, to Horizon&#146;s Secretary, 515 Franklin Square, Michigan City, Indiana 46360, which date is 120 calendar days before the anniversary date of the release of this joint proxy statement/prospectus relating to Horizon&#146;s 2015 Annual Meeting.
If notice of any other shareholder proposal intended to be presented at the 2016 annual meeting is not received by Horizon on or before &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, 2015, the proxy solicited by the
Horizon board of directors for use in connection with that meeting may confer authority on the proxies to vote in their discretion on such </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">143 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
proposal, without any discussion in the Horizon proxy statement for that meeting of either the proposal or how such proxies intend to exercise their voting discretion. Any such proposals will be
subject to the requirements of the proxy rules and regulations adopted under the Securities Exchange Act of 1934, as amended. If the date of the 2016 annual meeting is changed, the dates set forth above may change. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Horizon&#146;s Bylaws also provide that a shareholder wishing to nominate a candidate for election as a director or to have any other matter
considered by the shareholders at the annual meeting must give Horizon written notice of the nomination not fewer than 120 days in advance of the date that Horizon&#146;s proxy statement was released to shareholders in connection with the previous
year&#146;s annual meeting, which nomination or proposal date for the 2016 annual meeting is &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, 2015. Shareholder nominations must include the detailed information about the
nominee required by the Bylaws and also must comply with the other requirements set forth in the Bylaws. Proposals to bring other matters before the shareholders must include a brief description of the proposal and the other information required by
the Bylaws. Copies of the Bylaws are available to shareholders free of charge upon request to Horizon&#146;s Secretary. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="tx915197_145"></A>Peoples </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If
the merger occurs, there will be no Peoples annual meeting of shareholders for 2016 or thereafter. In that case, shareholder proposals must be submitted to Horizon in accordance with the procedures described above. If the merger is not completed,
Peoples will provide notice of the record date and annual meeting date for its 2016 annual shareholders&#146; meeting. </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="tx915197_146">
</A>WHERE YOU CAN FIND MORE INFORMATION </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Horizon files annual, quarterly, and current reports, proxy statements, and other information
with the SEC. You may read and copy any reports, statements, or other information that Horizon files at the SEC&#146;s public reference room at 100 F Street, N.E., Washington, D.C. 20549. Please call the SEC at 1-800-SEC-0330 for further information
on the operation of the public reference room. Horizon&#146;s public filings also are available to the public from commercial document retrieval services and on the World Wide Web site maintained by the SEC at &#147;http://www.sec.gov.&#148; Shares
of Horizon common stock are listed on the NASDAQ Global Select Market under the symbol &#147;HBNC.&#148; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Horizon has filed with the SEC a
registration statement on Form S-4 under the Securities Act of 1933, as amended, with respect to the common stock of Horizon being offered in the merger. This joint proxy statement/prospectus, which constitutes part of the registration statement,
does not contain all of the information set forth in the registration statement. Parts of the registration statement are omitted from the joint proxy statement/prospectus in accordance with the rules and regulations of the SEC. For further
information, your attention is directed to the registration statement. Statements made in this joint proxy statement/prospectus concerning the contents of any documents are not necessarily complete, and in each case are qualified in all respects by
reference to the copy of the document filed with the SEC. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The SEC allows Horizon to &#147;incorporate by reference&#148; the information
filed by Horizon with the SEC, which means that Horizon can disclose important information to you by referring you to those documents. The information incorporated by reference is an important part of this joint proxy statement/prospectus. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Horizon incorporates by reference the following documents and information that it has filed previously with the SEC (excluding any Form 8-K
reports that have not been &#147;filed&#148; but instead have been &#147;furnished&#148; to the SEC): </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>Horizon&#146;s Annual Report on Form <FONT STYLE="white-space:nowrap">10-K</FONT> for the year ended December&nbsp;31, 2014; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>Horizon&#146;s Quarterly Report on Form 10-Q for the quarter ended March&nbsp;31, 2015; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>Horizon&#146;s Current Reports on Form 8-K filed on February&nbsp;19 and March&nbsp;20, 2015; </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"><B></B>The description of Horizon&#146;s common stock under the caption &#147;Description of Common Stock&#148; in the Registration Statement on Form S-3 filed with the SEC on January&nbsp;14, 2015, including any
amendment or report filed for the purpose of updating that description. </TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Horizon is also incorporating by reference
additional documents that it files with the SEC pursuant to Sections 13(a), 13(c), 14, or 15(d) of the Exchange Act between the date hereof and the dates of Horizon&#146;s Annual Meeting and Peoples&#146; Special Meeting. Any statement contained in
a document that is incorporated by reference will be deemed to be modified or superseded for all purposes to the extent that a statement contained in this document (or in any other document that is subsequently filed with the SEC and incorporated by
reference) modifies or is contrary to that previous statement.&nbsp;Notwithstanding the foregoing, unless specifically stated to the contrary, none of the information Horizon discloses under Items 2.02 or 7.01 of any Current Report on Form 8-K that
Horizon may from time to time furnish to the SEC will be incorporated by reference into, or otherwise included in, this joint proxy statement/prospectus. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">144 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">These documents may be obtained as explained above, or you may request a free copy of any or all
of these documents, including exhibits that are specifically incorporated by reference into these documents, by writing to or calling Horizon at the following address or telephone number or via the Internet at: </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Horizon Bancorp </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">515 Franklin
Square </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Michigan City, Indiana 46360 </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Attn: Investor Relations </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(219)
879-0211 </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><I></I>Website:&nbsp;<I>www.horizonbank.com </I></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>You should rely only on the information contained in this document or to which we have referred you. We have not authorized anyone to
provide you with information that is inconsistent with information contained in this document or any document incorporated by reference. This joint proxy statement/prospectus is not an offer to sell these securities in any state where the offer and
sale of these securities is not permitted. The information in this joint proxy statement/prospectus is current as of the date it is mailed to security holders, and not necessarily as of any later date. If any material change occurs during the period
that this joint proxy statement/prospectus is required to be delivered, this joint proxy statement/prospectus will be supplemented or amended. </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">All information regarding Horizon in this joint proxy statement/prospectus has been provided by Horizon, and all information regarding Peoples
in this joint proxy statement/prospectus has been provided by Peoples. Neither Horizon nor Peoples is required to provide any additional information about Peoples in this document. Peoples generally provides a copy of its financial statements to its
shareholders on an annual basis. Copies of the financial statements can be obtained, without charge, by contacting Maurice F. Winkler, III, Peoples&#146; President and Chief Executive Officer, at (260)&nbsp;925-2500. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">145 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="tx915197_147"></A>PEOPLES BANCORP AND SUBSIDIARIES INDEX TO CONSOLIDATED FINANCIAL
STATEMENTS </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="95%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Page</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#fin915197_1">Report of Independent Registered Public Accounting Firm</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">F-2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#fin915197_2">Consolidated Balance Sheets as of September&nbsp;30, 2014 and 2013</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">F-4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#fin915197_3">Consolidated Statements of Income for the fiscal years ended September&nbsp;30, 2014 and 2013</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">F-5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#fin915197_4">Consolidated Statements of Comprehensive Income (Loss) for the fiscal years ended September&nbsp;
30, 2014 and 2013</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">F-6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#fin915197_5">Consolidated Statements of Stockholders&#146; Equity for the fiscal years ended September&nbsp;30, 2014</A> and
2013</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">F-7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#fin915197_6">Consolidated Statements of Cash Flows for the fiscal years ended September&nbsp;30, 2014 and 2013</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">F-8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#fin915197_7">Notes to Consolidated Financial Statements</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">F-9</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#fin915197_8">Consolidated Condensed Balance Sheets as of March&nbsp;31, 2015 (unaudited) and September&nbsp;30,
2014</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">F-40</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#fin915197_9">Consolidated Condensed Statements of Income for the Three and Six Months ended March&nbsp;
31, 2015 and 2014 (unaudited)</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">F-41</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#fin915197_10">Consolidated Condensed Statements of Comprehensive Income for the Three and Six Months ended March&nbsp;
31, 2015 and 2014 (unaudited)</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">F-42</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#fin915197_11">Consolidated Condensed Statements of Stockholders&#146; Equity for the Six Months ended March&nbsp;
31, 2015 (unaudited)</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">F-43</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#fin915197_12">Consolidated Condensed Statements of Cash Flows for the Six Months ended March&nbsp;
31, 2015 and 2014 (unaudited)</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">F-44</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#fin915197_13">Notes to Consolidated Condensed Financial Statements (unaudited)</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">F-45</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-1 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="fin915197_1"></A>Independent Auditor&#146;s Report </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Audit Committee, Board of Directors and Stockholders </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Peoples
Bancorp </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Auburn, Indiana </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">We have audited the accompanying
consolidated financial statements of Peoples Bancorp and its subsidiaries, which comprise the consolidated balance sheets as of September&nbsp;30, 2014 and 2013, and the related consolidated statements of income, comprehensive income (loss),
stockholders&#146; equity and cash flows for the years then ended, and the related notes to the financial statements. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>Management&#146;s
Responsibility for the Financial Statements </I></B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Management is responsible for the preparation and fair presentation of these consolidated financial
statements in accordance with accounting principles generally accepted in the United States of America; this includes the design, implementation and maintenance of internal control relevant to the preparation and fair presentation of consolidated
financial statements that are free from material misstatement, whether due to fraud or error. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>Auditor&#146;s Responsibility </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Our responsibility is to express an opinion on these consolidated financial statements based on our audits. We conducted our audits in accordance with auditing
standards generally accepted in the United States of America. Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the consolidated financial statements are free from material misstatement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">An audit involves performing procedures to obtain audit evidence about the amounts and disclosures in the consolidated financial statements. The procedures
selected depend on the auditor&#146;s judgment, including the assessment of the risks of material misstatement of the consolidated financial statements, whether due to fraud or error. In making those risk assessments, the auditor considers internal
control relevant to the entity&#146;s preparation and fair presentation of the consolidated financial statements in order to design audit procedures that are appropriate in the circumstances, but not for the purpose of expressing an opinion on the
effectiveness of the entity&#146;s internal control. Accordingly, we express no such opinion. An audit also includes evaluating the appropriateness of accounting policies used and the reasonableness of significant accounting estimates made by
management, as well as evaluating the overall presentation of the consolidated financial statements. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">We believe that the audit evidence we have obtained
is sufficient and appropriate to provide a basis for our audit opinion </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-2 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>Opinion </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">In our opinion, the consolidated financial statements referred to above present fairly, in all material respects, the financial position of Peoples Bancorp and
its subsidiaries as of September&nbsp;30, 2014 and 2013, and the results of their operations and their cash flows for the years then ended in accordance with accounting principles generally accepted in the United States of America. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">/s/ BKD LLP </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Indianapolis, Indiana </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">November&nbsp;25, 2014 </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-3 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Peoples Bancorp </B></P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="fin915197_2"></A>Consolidated Balance Sheets </B></P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>September 30, 2014 and 2013 </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="78%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2013</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Assets</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cash and cash equivalents</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">17,658,180</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">6,197,988</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest-bearing time deposits</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,766,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,899,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Investment securities available for sale</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">169,764,720</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">180,938,743</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Investment securities held to maturity (fair value of $10,951,776 and $0)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,984,331</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Mortgage loans held for sale</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">244,650</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">433,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Loans, net of allowance for loan losses of $1,980,170 and $2,302,824</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">228,900,228</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">227,927,874</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Premises and equipment, net</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,257,811</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,934,748</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Federal Home Loan Bank of Indianapolis stock, at cost</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,127,700</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,127,700</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Goodwill</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,330,198</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,330,198</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cash surrender value of life insurance</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13,603,323</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13,322,171</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,546,867</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,648,983</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:7.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total assets</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">471,184,008</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">450,760,405</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Liabilities</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">NOW and savings deposits</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">212,793,800</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">198,606,348</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Certificates of deposit</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">141,126,454</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">151,071,473</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:7.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total deposits</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">353,920,254</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">349,677,821</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Short-term borrowings</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">650,379</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">897,712</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Federal Home Loan Bank advances</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">52,217,143</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">39,163,522</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other liabilities</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,631,602</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,728,877</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:7.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total liabilities</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">410,419,378</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">392,467,932</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Commitments and Contingencies</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Stockholders&#146; Equity</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Preferred stock, $1 par value</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Authorized and unissued - 5,000,000 shares</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Common stock, $1 par value</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Authorized - 7,000,000 shares</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Issued and outstanding - 2,311,858 and 2,314,288 shares</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,311,858</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,314,288</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Retained earnings</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">56,771,502</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">55,273,078</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Accumulated other comprehensive income</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,681,270</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">705,107</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:7.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total stockholders&#146; equity</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">60,764,630</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">58,292,473</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:7.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total liabilities and stockholders&#146; equity</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">471,184,008</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">450,760,405</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>
 <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>See Notes to Consolidated Financial Statements </I></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-4 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Peoples Bancorp </B></P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="fin915197_3"></A>Consolidated Statements of Income </B></P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Years Ended September&nbsp;30, 2014 and 2013 </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="80%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2013</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Interest Income</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Loans</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">10,760,674</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">11,370,816</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Investment securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,448,294</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,792,123</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other interest and dividend income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">269,236</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">206,613</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15,478,204</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15,369,552</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Interest Expense</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Deposits</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">NOW and savings deposits</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">186,599</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">186,708</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Certificates of deposit</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,653,198</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,004,988</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Short-term borrowings</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,346</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,609</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Federal Home Loan Bank advances</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,177,605</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,515,468</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,018,748</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,708,773</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Net Interest Income</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,459,456</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11,660,779</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Provision for loan losses</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">385,250</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">263,750</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Net Interest Income After Provision for Loan Losses</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,074,206</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11,397,029</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Noninterest Income</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Fiduciary activities</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">620,282</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">483,901</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Fees and service charges</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,581,205</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,626,683</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net realized gains on available-for-sale securities</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">710,360</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,100,741</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Gain on sale of loans</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">140,090</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">317,814</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cash surrender value</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">445,292</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">428,998</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other income</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">153,296</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">243,902</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:7.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total other income</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,650,525</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,202,039</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Noninterest Expenses</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Salaries and employee benefits</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,037,605</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,342,602</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net occupancy expense</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">973,624</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">904,158</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Equipment expense</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">678,548</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">742,878</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Data processing expense</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">809,537</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">739,608</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Deposit insurance expense</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">237,927</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">261,009</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Telephone expense</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">223,011</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">213,638</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Credit card expense</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">195,767</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">132,359</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other expenses</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,678,863</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,484,745</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:7.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total other expenses</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11,834,882</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,820,997</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Income Before Income Tax</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,889,849</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,778,071</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Income tax expense</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">485,526</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">151,276</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Net Income</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,404,323</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,626,795</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Basic Earnings Per Share</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.47</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.11</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Diluted Earnings Per Share</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.47</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.11</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Weighted-Average Shares Outstanding - Basic</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,313,219</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,357,792</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Weighted-Average Shares Outstanding - Diluted</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,313,219</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,357,792</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
</TABLE>
 <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>See Notes to Consolidated Financial Statements </I></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-5 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Peoples Bancorp </B></P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="fin915197_4"></A>Consolidated Statements of Comprehensive Income (Loss) </B></P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Years Ended September&nbsp;30, 2014 and 2013 </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="81%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2013</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Net Income</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,404,323</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,626,795</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Other Comprehensive Income (Loss)</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Change in net unrealized gain (loss) on securities available for sale, net of taxes of $798,743 and $1,825,186 for 2014 and 2013,
respectively</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,445,001</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(3,261,926</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Less reclassification adjustment for realized gains included in net income, net of taxes of $241,522 and $374,252 for 2014 and 2013,
respectively</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">468,838</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">726,489</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total other comprehensive income (loss)</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">976,163</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(3,988,415</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Comprehensive Income (Loss)</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">4,380,486</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(1,361,620</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>
 <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>See Notes to Consolidated Financial Statements </I></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-6 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Peoples Bancorp </B></P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="fin915197_5"></A>Consolidated Statements of Stockholders&#146; Equity </B></P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Years Ended September&nbsp;30, 2014 and 2013 </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="53%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Accumulated</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Other</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"><B>Common Stock</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Retained</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Comprehensive</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Outstanding</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Amount</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Earnings</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Income</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Total</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Balances, October 1, 2012</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,398,493</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,398,493</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">56,161,768</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">4,693,522</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">63,253,783</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,626,795</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,626,795</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other comprehensive loss</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(3,988,415</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(3,988,415</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cash dividends ($.80 per share)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1,880,667</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1,880,667</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Repurchase of common stock</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(84,205</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(84,205</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1,634,818</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1,719,023</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Balances, September&nbsp;30, 2013</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,314,288</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,314,288</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">55,273,078</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">705,107</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">58,292,473</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net income</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,404,323</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,404,323</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other comprehensive income</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">976,163</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">976,163</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cash dividends ($.80 per share)</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1,850,259</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1,850,259</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Repurchase of common stock</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(2,430</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(2,430</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(55,640</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(58,070</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Balances, September&nbsp;30, 2014</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,311,858</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,311,858</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">56,771,502</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,681,270</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">60,764,630</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>
 <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>See Notes to Consolidated Financial Statements </I></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-7 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Peoples Bancorp </B></P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="fin915197_6"></A>Consolidated Statements of Cash Flows </B></P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Years Ended September&nbsp;30, 2014 and 2013 </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="79%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2013</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Operating Activities</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,404,323</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,626,795</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Items not requiring (providing) cash</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Provision for loan losses</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">385,250</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">263,750</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Depreciation and amortization</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">609,452</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">716,358</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Investment securities amortization, net</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,767,753</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,247,071</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Loans originated for sale</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(4,531,195</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(9,030,850</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Proceeds from sales of loans</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,859,635</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9,380,664</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Gain on sale of loans</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(140,090</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(317,814</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Gain on real estate owned</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(59,909</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(53,690</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Accretion of deferred loan fees</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(116,617</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(172,052</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net realized gains on available-for-sale securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(710,360</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1,100,741</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Increase in cash surrender value of life insurance</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(445,292</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(428,998</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Deferred income tax</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">78,795</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">116,274</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Change in</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest receivable</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">33,231</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(238,196</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest payable</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(7,858</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(63,782</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other adjustments</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">465,444</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">595,739</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:7.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net cash provided by operating activities</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,592,562</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,540,528</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Investing Activities</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net change in interest-bearing time deposits</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(6,867,000</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(4,664,000</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Purchases of securities available for sale</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(39,932,186</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(52,903,224</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Purchase of securities held to maturity</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(12,429,047</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Proceeds from maturities, call and paydowns of securities available for sale</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">31,209,071</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">60,050,730</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Proceeds from maturities, call and paydowns of securities held to maturity</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,361,103</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Proceeds from sales of securities available for sale</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20,456,745</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17,534,355</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net change in loans</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1,546,980</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(6,619,259</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Purchases of premises and equipment</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(932,515</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(634,228</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Purchase of preferred stock</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1,000,000</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Proceeds from cash surrender value of life insurance</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">166,788</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Proceeds from sale of foreclosed real estate</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">241,745</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">805,600</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:7.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net cash provided by (used in) investing activities</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(9,272,276</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13,569,974</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Financing Activities</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net change in</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">NOW and savings deposits</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14,187,453</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,710,936</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Certificates of deposit</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(9,945,020</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(16,392,126</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Short-term borrowings</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(247,333</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">194,571</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Proceeds from Federal Home Loan Bank advances</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17,500,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">27,000,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Repayment of Federal Home Loan Bank advances</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(4,446,379</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(43,879,794</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cash dividends</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1,850,745</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1,897,507</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Repurchase of common stock</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(58,070</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1,719,023</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:7.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net provided by (used in) in financing activities</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15,139,906</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(29,982,943</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Net Change in Cash and Cash Equivalents</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11,460,192</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(10,872,441</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Cash and Cash Equivalents, Beginning of Year</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,197,988</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17,070,429</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Cash and Cash Equivalents, End of Year</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">17,658,180</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">6,197,988</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Additional Cash Flows Information</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest paid</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,026,606</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,772,555</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Income tax paid (refund)</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(7,528</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">482,183</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Transfer to other real estate from loans</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">446,083</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">754,728</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
</TABLE>
 <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>See Notes to Consolidated Financial Statements </I></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-8 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Peoples Bancorp </B></P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="fin915197_7"></A>Notes to Consolidated Financial Statements </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>September&nbsp;30, 2014 and 2013 </B></P>
 <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Note 1: Nature of Operations and Summary of Significant Accounting Policies </B></P>
 <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">The accounting and reporting policies of Peoples Bancorp (Company), its wholly owned subsidiary, Peoples Federal Savings
Bank of DeKalb County (Bank), the Bank&#146;s wholly owned subsidiaries, Peoples Financial Services, Inc. (Peoples Financial), PFDC Investments, Inc. and Alpha Financial, Inc. (Alpha) conform to accounting principles generally accepted in the United
States of America and reporting practices followed by the thrift industry. The more significant of the policies are described below. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">The
Company is a thrift holding company whose principal activity is the ownership and management of the Bank. The Bank operates under a federal thrift charter and provides full banking services, including trust services. The OCC now regulates both
national banks and federal savings associations (thrifts). The holding company is subject to the regulation of the Federal Reserve. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">The
Bank generates commercial, mortgage and consumer loans and receives deposits from customers located primarily in north central and north eastern Indiana and south central Michigan. The Bank&#146;s loans are generally secured by specific items of
collateral including real property and consumer assets. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B>Consolidation</B> - The consolidated financial statements include the accounts
of the Company, the Bank, Alpha, PFDC Investments, Inc. and Peoples Financial after elimination of all material intercompany transactions. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B>Use of Estimates </B>- The preparation of financial statements in conformity with accounting principles generally accepted in the United
States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts
of revenues and expenses during the reporting period. Actual results could differ from those estimates. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Material estimates that are
particularly susceptible to significant change relate to the determination of the allowance for loan losses, valuation of real estate acquired in connection with foreclosures or in satisfaction of loans, loan servicing rights and fair values of
financial instruments. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B>Cash and Cash Equivalents -</B> Cash and cash equivalents include amounts due from banks and overnight
investments with the Federal Home Loan Bank (FHLB). Net cash flows are reported for customer loan and deposit transactions, interest-bearing deposits in other financial institutions and repurchase agreements. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B>Securities</B> - Certain debt securities that management has the positive intent and ability to hold to maturity are classified as
&#147;held to maturity&#148; and recorded at amortized cost. Trading securities are recorded at fair value with changes in fair value included in earnings. Securities not classified as held to maturity or trading, including equity securities with
readily determinable fair values, are classified as &#147;available for sale&#148; and recorded at fair value, with unrealized gains and losses excluded from earnings and reported in other comprehensive income. Purchase premiums and discounts are
recognized in interest income using the interest method over the terms of the securities. Gains and losses on the sale of securities are recorded on the trade date and are determined using the specific identification method. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-9 </P>


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


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Peoples Bancorp </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Notes to Consolidated Financial Statements </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>September 30, 2014 and 2013 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">For debt securities with fair value below amortized cost when the Bank does not intend to
sell a debt security, and it is more likely than not the Bank will not have to sell the security before recovery of its cost basis, it recognizes the credit component of an other-than-temporary impairment of a debt security in earnings and the
remaining portion in other comprehensive income. For held-to-maturity debt securities, the amount of an other-than-temporary impairment recorded in other comprehensive income (loss) for the noncredit portion of a previous other-than-temporary
impairment is amortized prospectively over the remaining life of the security on the basis of the timing of future estimated cash flows of the security. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">For available-for-sale and held-to-maturity debt securities that management has no intent to sell and believes that it more likely than not
will not be required to sell prior to recovery, only the credit loss component of the impairment is recognized in earnings, while the noncredit loss is recognized in accumulated other comprehensive income. The credit loss component recognized in
earnings is identified as the amount of principal cash flows not expected to be received over the remaining term of the security as projected based on cash flow projections. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B>Mortgage Loans Held for Sale</B> - Mortgage loans held for sale are carried at the lower of cost or fair value, determined using an
aggregate basis. Write-downs to fair value are recognized as a charge to earnings at the time the decline in value occurs. Forward commitments to sell mortgage loans are acquired to reduce market risk on mortgage loans in the process of origination
and mortgage loans held for sale. Gains and losses resulting from sales of mortgage loans are recognized when the respective loans are sold to investors. Gains and losses are determined by the difference between the selling price and the carrying
amount of the loans sold, net of discounts collected or paid and considering a normal servicing rate. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B>Loans</B> - Loans that management
has the intent and ability to hold for the foreseeable future or until maturity or payoffs are reported at their outstanding principal balances adjusted for unearned income, charge-offs, the allowance for loan losses, any unamortized deferred fees
or costs on originated loans and unamortized premiums or discounts on purchased loans. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">For loans amortized at cost, interest income is
accrued based on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, as well as premiums and discounts, are deferred and amortized as a level yield adjustment over the respective term of the loan. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">The accrual of interest on mortgage and commercial loans is discontinued at the time the loan is 90 days past due unless the credit is
well-secured and in process of collection. Past-due status is based on contractual terms of the loan. In all cases, loans are placed on nonaccrual or charged off at an earlier date if collection of principal or interest is considered doubtful. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">All interest accrued but not collected for loans that are placed on nonaccrual or charged off are reversed against interest income. The
interest on these loans is accounted for on the cash-basis or cost-recovery method, until qualifying for return to accrual. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and
future payments are reasonably assured. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Discounts and premiums on purchased residential real estate loans are amortized to income using
the interest method over the remaining period to contractual maturity, adjusted for anticipated prepayments. Discounts and premiums on purchased consumer loans are recognized over the expected lives of the loans using methods that approximate the
interest method. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-10 </P>


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


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Peoples Bancorp </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Notes to Consolidated Financial Statements </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>September 30, 2014 and 2013 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B>Allowance for Loan Losses</B> - The allowance for loan losses is established as losses are
estimated to have occurred through a provision for loan losses charged to income. Loan losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed. Subsequent recoveries, if any, are credited
to the allowance. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">The allowance for loan losses is evaluated on a regular basis by management and is based upon management&#146;s periodic
review of the collectibility of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower&#146;s ability to repay, estimated value of any underlying collateral and
prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">The allowance consists of allocated and general components. The allocated component relates to loans that are classified as impaired. For those
loans that are classified as impaired, an allowance is established when the discounted cash flows (or collateral value or observable market price) of the impaired loan is lower than the carrying value of that loan. The general component covers
nonclassified loans and is based on historical charge-off experience and expected loss given default derived from the Company&#146;s internal risk rating process. Other adjustments may be made to the allowance for pools of loans after an assessment
of internal or external influences on credit quality that are not fully reflected in the historical loss or risk rating data. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">A loan is
considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors
considered by management in determining impairment include payment status, collateral value and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment
shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower,
including the length of the delay, the reasons for the delay, the borrower&#146;s prior payment record and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan-by-loan basis for commercial and
construction loans by either the present value of expected future cash flows discounted at the loan&#146;s effective interest rate, the loan&#146;s obtainable market price or the fair value of the collateral if the loan is collateral dependent. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Groups of loans with similar risk characteristics are collectively evaluated for impairment based on the group&#146;s historical loss
experience adjusted for changes in trends, conditions and other relevant factors that affect repayment of the loans. Accordingly, the Company does not separately identify individual consumer and residential loans for impairment measurements, unless
such loans are the subject of a restructuring agreement due to financial difficulties of the borrower. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B>Premises and equipment</B> is
stated at cost, less accumulated depreciation. Buildings and related components are depreciated using either a straight-line or accelerated method with useful lives ranging from 5 to 39 years. Equipment is depreciated using a straight-line or
accelerated method with useful lives ranging from 3 to 10 years. Land is carried at cost. Maintenance and repairs are expensed as incurred while major additions and improvements are capitalized. Gains and losses on dispositions are included in
current operations. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-11 </P>


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


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Peoples Bancorp </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Notes to Consolidated Financial Statements </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>September 30, 2014 and 2013 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B>Federal Home Loan Bank stock</B> is a required investment for institutions that are
members of the Federal Home Loan Bank system. The required investment in the common stock is based on a predetermined formula. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B>Foreclosed Assets Held for Sale</B> are assets acquired through, or in lieu of, loan foreclosure and are initially recorded at fair value,
less cost to sell at the date of foreclosure, establishing a new cost basis. Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value, less cost to sell.
Revenue and expenses from operations and changes in the valuation allowance are included in net income or expense from foreclosed assets. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B>Goodwill </B>is annually tested for impairment. If the implied fair value of goodwill is lower than its carrying amount, a goodwill
impairment is indicated and goodwill is written down to its implied fair value. Subsequent increases in goodwill value are not recognized in the consolidated financial statements. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B>Cash surrender value of life insurance</B> - The Bank has purchased life insurance policies on certain key executives. The insurance is
recorded at its cash surrender value, or the amount that can be realized. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B>Investments in limited partnerships</B> are included in other
assets. The Company utilizes the equity method of accounting for these investments. At September&nbsp;30, 2014 and 2013, these investments totaled $429,000 and $452,000, respectively. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B>Pension plan costs</B> are based on actuarial computations and charged to current operations. The funding policy is to pay at least the
minimum amounts required by ERISA. The Company froze its defined-benefit plan effective August&nbsp;1, 2007. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B>Income tax</B> in the
consolidated statements of income includes deferred income tax provisions or benefits for all significant temporary differences in recognizing income and expenses for financial reporting and income tax purposes. The Company files consolidated income
tax returns with its subsidiaries. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B>Earnings per share</B> have been computed based upon the weighted-average common shares outstanding
during each year. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B>Mortgage-Servicing Rights</B> - Mortgage-servicing rights on originated loans that have been sold are initially
recorded at fair value. Capitalized servicing rights are amortized in proportion to and over the period of estimated servicing revenues. Impairment of mortgage-servicing rights is assessed based on the fair value of those rights. Fair values are
estimated using discounted cash flows based on a current market interest rate. For purposes of measuring impairment, the rights are stratified based on the predominant risk characteristics of the underlying loans. The predominant characteristic
currently used for stratification is type of loan. The amount of impairment recognized is the amount by which the capitalized mortgage-servicing rights for a stratum exceed their fair value. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-12 </P>


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


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Peoples Bancorp </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Notes to Consolidated Financial Statements </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>September 30, 2014 and 2013 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Note 2: Concentration of Funds and Restriction on Cash and Cash Equivalents </B></P>
 <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">As of September&nbsp;30, 2014 and 2013, respectively, there were no balances with other financial institutions in excess of
the balance insured by the Federal Deposit Insurance Corporation. The Company had $5,414,000 and $1,104,000 on deposit with the Federal Home Loan Bank of Indianapolis, and $203,000 and $230,000 on deposit with the Federal Reserve Bank of Chicago as
of September&nbsp;30, 2014 and 2013, respectively, which is not federally insured. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">The Bank is required to maintain reserve funds in cash
and/or on deposit with the Federal Reserve Bank. The reserve funds required at September&nbsp;30, 2014 totaled $2,369,000. </P>
 <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Note 3: Investment Securities </B></P>
 <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="92%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="60%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Amortized</B><br><B>Cost</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Gross<BR>Unrealized</B><br><B>Gains</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Gross<BR>Unrealized</B><br><B>Losses</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Fair</B><br><B>Value</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Available for sale</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Federal agencies</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">19,758,680</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,797</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">201,380</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">19,561,097</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">State and municipal obligations</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">57,466,694</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,892,195</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">186,269</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">60,172,620</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SBA Pools</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,796,373</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,899</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9,983</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,789,289</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other asset backed securities</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,025,224</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,424</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,018,800</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Mortgage-backed securities -</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Government-sponsored entities (GSE) - residential</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">85,155,037</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">916,294</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">848,417</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">85,222,914</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:7.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total available for sale</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">167,202,008</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,815,185</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,252,473</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">169,764,720</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Held to maturity</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">State and municipal obligations</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,160,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,160,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Mortgage-backed securities -</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Government-sponsored entities (GSE) - residential</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,824,331</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,845</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">40,400</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,791,776</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:7.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total held to maturity</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,984,331</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,845</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">40,400</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,951,776</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:7.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total investment securities</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">178,186,339</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,823,030</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,292,873</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">180,716,496</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-13 </P>


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


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Peoples Bancorp </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Notes to Consolidated Financial Statements </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>September 30, 2014 and 2013 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="92%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="60%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>2013</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Amortized</B><br><B>Cost</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Gross<BR>Unrealized</B><br><B>Gains</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Gross</B><br><B>Unrealized</B><br><B>Losses</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Fair</B><br><B>Value</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Available for sale</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Federal agencies</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">20,644,647</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">78,108</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">293,996</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">20,428,759</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">State and municipal obligations</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">59,818,184</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,098,458</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">657,021</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">61,259,621</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SBA Pools</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">981,616</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,793</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">987,409</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other asset backed securities</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,030,939</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">40,339</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,990,600</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Mortgage-backed securities -</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Government-sponsored entities (GSE) - residential</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">96,434,029</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,045,043</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,206,718</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">96,272,354</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:7.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total investment securities</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">179,909,415</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,227,402</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,198,074</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">180,938,743</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">The amortized cost and fair value of securities available for sale at September&nbsp;30, 2014, by contractual
maturity, are shown below. Expected maturities will differ from contractual maturities because issuers may have the right to call or prepay obligations with or without call or prepayment penalties. </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="92%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="58%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"><B>Available for Sale</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"><B>Held to Maturity</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Amortized</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Fair</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Amortized</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Fair</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE="border-bottom:1.00pt solid #000000; width:135.35pt; font-size:8pt; font-family:Times New Roman"><B>Maturity Distributions at September&nbsp;30</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Cost</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Value</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Cost</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Value</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Within one year</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">361,838</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">364,162</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">370,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">370,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">One to five years</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17,776,366</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17,982,193</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,790,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,790,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Five to ten years</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">33,477,407</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">34,761,494</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">After ten years</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">25,609,763</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">26,625,868</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">77,225,374</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">79,733,717</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,160,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,160,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SBA Pools</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,796,373</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,789,289</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other asset backed securities</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,025,224</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,018,800</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Mortgage-backed securities -</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">GSE residential</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">85,155,037</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">85,222,914</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,824,331</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,791,776</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">167,202,008</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">169,764,720</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">10,984,331</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">10,951,776</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Securities with a carrying value of $2,426,000 and $2,409,000 were pledged at September&nbsp;30, 2014 and 2013
to secure repurchase agreements. Securities with a carrying value of $9,121,000 and $4,217,000 were pledged at September&nbsp;30, 2014 and 2013 to secure certain deposits. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Proceeds from sales of securities available for sale during 2014 and 2013 were approximately $20,457,000 and $17,534,000, respectively. Gross
gains of approximately $710,000 and $1,108,000 were realized on investment transactions during 2014 and 2013, respectively. Gross losses of $0 and approximately $7,000 were realized on investment transactions during 2014 and 2013, respectively. </P>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-14 </P>


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


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Peoples Bancorp </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Notes to Consolidated Financial Statements </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>September 30, 2014 and 2013 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Certain investments in debt securities are reported in the consolidated financial statements
at an amount less than their historical cost. Total fair value of these investments at September&nbsp;30, 2014 and 2013 was approximately $75,400,000 and $80,684,000, which is approximately 42% and 45% of the Company&#146;s available-for-sale and
held-to-maturity investment portfolio. These declines primarily resulted from fluctuations in market interest rates after the purchase. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Based on evaluation of available evidence, including recent changes in market interest rates, credit rating information and information
obtained from regulatory filings, management believes the declines in fair value for these securities are temporary. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Should the impairment
of any of these securities become other than temporary, the cost basis of the investment will be reduced and the resulting loss recognized in either net income or accumulated other comprehensive loss in the period the other-than-temporary impairment
is identified. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">The following table shows our investments&#146; gross unrealized losses and fair value, aggregated by investment category
and length of time that individual securities have been in a continuous unrealized loss position at September&nbsp;30, 2014: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="50%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="22" ALIGN="center"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"><B>Less Than 12 Months</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"><B>12 Months or More</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Total</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman"><B>Description of</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1.00pt solid #000000; width:48.15pt; font-size:8pt; font-family:Times New Roman"><B>Securities</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Fair</B><br><B>Value</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Unrealized</B><br><B>Losses</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Fair</B><br><B>Value</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Unrealized<BR>Losses</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Fair</B><br><B>Value</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Unrealized</B><br><B>Losses</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Available for sale</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Federal agencies</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">7,101,020</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">8,028</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">9,806,750</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">193,352</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">16,907,770</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">201,380</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">State and municipal obligations</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,592,716</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,212</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,305,786</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">178,057</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,898,502</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">186,269</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SBA Pools</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,000,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9,983</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,000,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9,983</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other asset backed securities</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,018,800</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,424</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,018,800</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,424</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Mortgage-backed securities -</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:7.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">GSE residential</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16,961,754</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">62,947</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">23,889,458</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">785,470</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">40,851,212</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">848,417</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:9.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total available for sale</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">28,655,490</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">89,170</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">42,020,794</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,163,303</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">70,676,284</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,252,473</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Held to maturity</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Mortgage-backed securities -</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:7.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">GSE residential</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,723,234</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">40,400</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,723,234</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">40,400</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:9.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total temporarily impaired securities</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">33,378,724</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">129,570</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">42,020,794</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,163,303</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">75,399,518</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,292,873</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-15 </P>


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


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Peoples Bancorp </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Notes to Consolidated Financial Statements </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>September 30, 2014 and 2013 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">The following table shows our investments&#146; gross unrealized losses and fair value,
aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position at September&nbsp;30, 2013: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="44%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"><B>2013</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"><B>Less Than 12 Months</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"><B>12 Months or More</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"><B>Total</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP><B>Description of</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Fair</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Unrealized</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Fair</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Unrealized</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Fair</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Unrealized</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE="border-bottom:1.00pt solid #000000; width:33.25pt; font-size:8pt; font-family:Times New Roman"><B>Securities</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Value</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Losses</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Value</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Losses</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Value</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Losses</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Federal agencies</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">14,697,187</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">293,996</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">14,697,187</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">293,996</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">State and municipal obligations</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,305,284</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">609,538</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">733,997</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">47,483</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13,039,281</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">657,021</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other asset backed securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,990,600</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">40,339</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,990,600</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">40,339</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Mortgage -backed securities -</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">GSE residential</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">40,011,050</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">982,164</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,945,681</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">224,554</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">50,956,731</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,206,718</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total temporarily impaired securities</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">67,013,521</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,885,698</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">13,670,278</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">312,376</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">80,683,799</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,198,074</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>Federal Agencies, SBA Pools, Other Asset-Backed Securities, and Mortgage-Backed Securities - GSE Residential
</I></B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">The unrealized losses on the Company&#146;s investment in federal agencies, SBA pools, other asset-backed securities, and
mortgage-backed securities were caused by changes in market interest rates. The Company expects to recover the amortized cost basis over the term of the securities. Because the decline in market value is attributable to changes in interest rates and
not credit quality, and because the Company does not intend to sell the investments and it is not more likely than not the Company will be required to sell the investments before recovery of their amortized cost basis, which may be maturity, the
Company does not consider those investments to be other-than-temporarily impaired at September&nbsp;30, 2014. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>State and Municipal Obligations
</I></B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">The unrealized losses on the Company&#146;s investments in securities of state and municipal obligations were caused by interest
rate increases. The contractual terms of those investments do not permit the issuer to settle the securities at a price less than the amortized cost bases of the investments. Because the Company does not intend to sell the investments and it is not
more likely than not the Company will be required to sell the investments before recovery of their amortized cost bases, which may be maturity, the Company does not consider those investments to be other-than-temporarily impaired at
September&nbsp;30, 2014. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-16 </P>


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


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Peoples Bancorp </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Notes to Consolidated Financial Statements </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>September 30, 2014 and 2013 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Note 4: Loans and Allowance </B></P>
 <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="76%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="68%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2013</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Residential real estate loans</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">142,280,336</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">148,720,267</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commercial real estate loans</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">42,375,040</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">41,021,173</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commercial loans</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">26,694,117</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20,870,103</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Home equity/improvement loans</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17,159,538</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17,623,408</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Consumer loans</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,110,628</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,923,833</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">231,619,659</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">231,158,784</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Less:</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Undisbursed portion of loans</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">254,186</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">399,965</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Deferred loan fees and discounts</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">485,075</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">528,121</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Allowance for loan losses</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,980,170</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,302,824</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,719,431</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,230,910</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total loans</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">228,900,228</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">227,927,874</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">The risk characteristics of each loan portfolio segment are as follows: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:8%; font-size:10pt; font-family:Times New Roman">Commercial loans are primarily based on the identified cash flows of the borrower and secondarily on the underlying collateral provided by the
borrower. The cash flows of borrowers, however, may not be as expected and the collateral securing these loans may fluctuate in value. Most commercial loans are secured by the assets being financed or other business assets, such as accounts
receivable or inventory, and may include a personal guarantee. Short-term loans may be made on an unsecured basis. In the case of loans secured by accounts receivable, the availability of funds for the repayment of these loans may be substantially
dependent on the ability of the borrower to collect amounts due from its customers. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:8%; font-size:10pt; font-family:Times New Roman">Commercial real estate loans are viewed primarily as
cash flow loans and secondarily as loans secured by real estate. Commercial real estate lending typically involves higher loan principal amounts and the repayment of these loans is generally dependent on the successful operation of the property
securing the loan or the business conducted on the property securing the loan. Commercial real estate loans may be more adversely affected by conditions in the real estate markets or in the general economy. The characteristics of properties securing
the Company&#146;s commercial real estate portfolio are diverse, but with geographic locations almost entirely in the Company&#146;s market area. Management monitors and evaluates commercial real estate loans based on collateral, geography and risk
grade criteria. In general, the Company avoids financing single purpose projects unless other underwriting factors are present to help mitigate risk. In addition, management tracks the level of owner-occupied commercial real estate versus
nonowner-occupied loans. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-17 </P>


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


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Peoples Bancorp </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Notes to Consolidated Financial Statements </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>September 30, 2014 and 2013 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:8%; font-size:10pt; font-family:Times New Roman">Residential real estate, home equity/improvement and consumer loans consist of two
segments&#151;residential mortgage loans and personal loans. For residential mortgage loans that are secured by 1-4 family residences and are generally owner-occupied, the Company generally establishes a maximum loan-to-value ratio and requires
private mortgage insurance if that ratio is exceeded. Home equity loans are typically secured by a subordinate interest in 1-4 family residences, and consumer personal loans are secured by consumer personal assets, such as automobiles or
recreational vehicles. Some consumer personal loans are unsecured, such as small installment loans and certain lines of credit. Repayment of these loans is primarily dependent on the personal income of the borrowers, which can be impacted by
economic conditions in their market areas, such as unemployment levels. Repayment can also be impacted by changes in property values on residential properties. Risk is mitigated by the fact that the loans are of smaller individual amounts and spread
over a large number of borrowers. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Activity in the allowance for loan losses is as follows: </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="51%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="22" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Residential</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Commercial</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Home&nbsp;Equity/</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Real Estate</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Real Estate</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Commercial</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Improvement</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Consumer</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Total</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Beginning Balance</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,525,995</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">361,419</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">188,637</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">196,247</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">30,526</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,302,824</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Provision (credit)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">481,833</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(74,573</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(29,059</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(7,243</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14,292</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">385,250</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Loans charged off</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(604,356</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(28,521</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(61,051</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(27,892</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(721,820</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Recoveries</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,130</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">528</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11,258</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13,916</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Ending Balance</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,405,602</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">258,325</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">159,578</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">128,481</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">28,184</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,980,170</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="51%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="22" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2013</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Residential</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Commercial</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Home&nbsp;Equity/</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Real Estate</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Real Estate</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Commercial</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Improvement</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Consumer</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Total</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Beginning Balance</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,583,094</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">379,097</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">137,045</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">208,917</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">20,333</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,328,486</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Provision (credit)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">177,986</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(17,678</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">51,592</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18,619</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">33,231</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">263,750</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Loans charged off</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(235,466</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(31,289</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(36,425</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(303,180</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Recoveries</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">381</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13,387</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13,768</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Ending Balance</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,525,995</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">361,419</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">188,637</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">196,247</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">30,526</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,302,824</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-18 </P>


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


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Peoples Bancorp </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Notes to Consolidated Financial Statements </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>September 30, 2014 and 2013 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">The following tables present the balance in the allowance for loan losses and the recorded
investment in loans based on the portfolio segment and impairment method as of September&nbsp;30, 2014 and 2013: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="39%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="22" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>September 30, 2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Residential</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Commercial</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Home Equity/</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Real Estate</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Real Estate</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Commercial</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Improvement</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Consumer</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Total</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Allowance Balances:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Individually evaluated for impairment</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Collectively evaluated for impairment</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,405,602</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">258,325</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">159,578</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">128,481</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">28,184</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,980,170</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total allowance for loan losses</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,405,602</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">258,325</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">159,578</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">128,481</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">28,184</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,980,170</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Loan Balances:</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Individually evaluated for impairment</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,426,969</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">631,153</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">788,949</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">185,852</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">8,419</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">4,041,342</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Collectively evaluated for impairment</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">139,853,367</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">41,743,887</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">25,905,168</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16,973,686</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,102,209</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">227,578,317</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total loan balances</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">142,280,336</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">42,375,040</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">26,694,117</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">17,159,538</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,110,628</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">231,619,659</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="39%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="22" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>September 30, 2013</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Residential</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Commercial</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Home Equity/</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Real Estate</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Real Estate</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Commercial</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Improvement</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Consumer</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Total</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Allowance Balances:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Individually evaluated for impairment</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">241,397</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">60,890</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">59,186</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">361,473</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Collectively evaluated for impairment</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,284,598</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">300,529</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">188,637</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">137,061</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">30,526</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,941,351</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total allowance for loan losses</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,525,995</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">361,419</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">188,637</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">196,247</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">30,526</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,302,824</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Loan Balances:</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Individually evaluated for impairment</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,025,710</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">819,168</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">45,248</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">181,246</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,847</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">4,073,219</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Collectively evaluated for impairment</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">145,694,557</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">40,202,005</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20,824,855</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17,442,162</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,921,986</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">227,085,565</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total loan balances</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">148,720,267</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">41,021,173</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">20,870,103</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">17,623,408</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,923,833</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">231,158,784</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Management&#146;s general practice is to proactively charge down loans individually evaluated for impairment to
the fair value of the underlying collateral. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Consistent with regulatory guidance, charge-offs on all loan segments are taken when specific
loans, or portions thereof, are considered uncollectible. The Company&#146;s policy is to promptly charge these loans off in the period the uncollectible loss is reasonably determined. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-19 </P>


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


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Peoples Bancorp </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Notes to Consolidated Financial Statements </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>September 30, 2014 and 2013 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">For all loan portfolio segments except 1-4 family residential properties and consumer, the
Company promptly charges off loans, or portions thereof, when available information confirms that specific loans are uncollectible based on information that includes, but is not limited to, (1)&nbsp;the deteriorating financial condition of the
borrower, (2)&nbsp;declining collateral values, and/or (3)&nbsp;legal action, including bankruptcy, that impairs the borrower&#146;s ability to adequately meet its obligations. For impaired loans that are considered to be solely collateral
dependent, a partial charge-off is recorded when a loss has been confirmed by an updated appraisal or other appropriate valuation of the collateral. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">The Company charges off 1-4 family residential and consumer loans, or portions thereof, when the Company reasonably determines the amount of
the loss. The Company adheres to timeframes established by applicable regulatory guidance, which provides for the charge-down of 1-4 family first and junior lien mortgages to the net realizable value, less costs to sell when the loan is 180 days
past due, charge-off of unsecured open-end loans when the loan is 180 days past due, and charge-down to the net realizable value when other secured loans are 120 days past due. Loans at these respective delinquency thresholds for which the Company
can clearly document that the loan is both well-secured and in the process of collection, such that collection will occur regardless of delinquency status, need not be charged off. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">The historical loss experience is determined by portfolio segment and is based on the actual loss history experienced by the Company over the
prior three years. Management believes the historical loss experience methodology is appropriate in the current economic environment, as it captures loss rates that are comparable to the current period being analyzed. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">The following tables present the credit risk profile of the Company&#146;s loan portfolio based on rating category and payment activity as of
September&nbsp;30, 2014 and 2013: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="39%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="22" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>September&nbsp;30, 2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Residential</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Commercial</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Home Equity/</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Real Estate</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Real Estate</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Commercial</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Improvement</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Consumer</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Total</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Grade:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Pass (1-4)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">140,422,184</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">42,028,932</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">25,905,167</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">17,005,369</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,102,209</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">228,463,861</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Special Mention (5)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">398,798</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">242,304</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">671,666</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">61,757</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,824</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,382,349</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Substandard (6)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,459,354</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">103,804</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">117,284</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">92,412</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">595</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,773,449</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Doubtful (7)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Loss (8)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">142,280,336</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">42,375,040</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">26,694,117</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">17,159,538</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,110,628</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">231,619,659</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-20 </P>


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


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Peoples Bancorp </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Notes to Consolidated Financial Statements </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>September 30, 2014 and 2013 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="39%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="22" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>September&nbsp;30, 2013</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Residential</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Commercial</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Home Equity/</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Real Estate</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Real Estate</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Commercial</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Improvement</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Consumer</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Total</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Grade:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Pass (1-4)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">146,245,491</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">40,028,312</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">20,824,855</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">17,446,936</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,923,833</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">227,469,427</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Special Mention (5)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">439,407</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">729,577</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9,345</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,178,329</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Substandard (6)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,035,369</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">263,284</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">45,248</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">167,127</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,511,028</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Doubtful (7)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Loss (8)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">148,720,267</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">41,021,173</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">20,870,103</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">17,623,408</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,923,833</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">231,158,784</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:18pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B>Internal Risk Categories </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Loan grades are numbered 1 through 8. Grades 1 through 4 are considered satisfactory grades. The grade of 5, or Watch or Special Mention,
represents loans of lower quality and is considered criticized. The grades of 6, or Substandard, and 7, or Doubtful, refer to assets that are classified. The use and application of these grades by the bank will be uniform and shall conform to the
bank&#146;s policy. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B>Prime (1)</B>&nbsp;Loans are of superior quality with excellent credit strength and repayment ability providing a
nominal credit risk. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B>Good (2)&nbsp;</B>Loans are of above average credit strength and repayment ability providing only a minimal credit
risk. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B>Satisfactory (3)</B>&nbsp;Loans of reasonable credit strength and repayment ability providing an average credit risk due to one
or more underlying weaknesses. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B>Acceptable (4)&nbsp;</B>Loans of the lowest acceptable credit strength and weakened repayment ability
providing a cautionary credit risk due to one or more underlying weaknesses. New borrowers are typically not underwritten within this classification. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B>Special Mention (5)&nbsp;</B>A special mention asset has potential weaknesses that deserve management&#146;s close attention. If left
uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the asset or in the institution&#146;s credit position at some future date. Special mention assets are not adversely classified and do not expose an
institution to sufficient risk to warrant adverse classification. Ordinarily, special mention credits have characteristics which corrective management action would remedy. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B>Substandard (6)&nbsp;</B>Loans are inadequately protected by the current sound worth and paying capacity of the obligor or of the collateral
pledged, if any. Loans so classified must have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the Bank will sustain some loss if the deficiencies are not
corrected. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B>Doubtful (7)&nbsp;</B>Loans classified as doubtful have all the weaknesses inherent in those classified Substandard with the
added characteristic that the weaknesses make collection or liquidation in full, on the basis of current known facts, conditions and values, highly questionable and improbable. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-21 </P>


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


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Peoples Bancorp </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Notes to Consolidated Financial Statements </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>September 30, 2014 and 2013 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B>Loss (8)&nbsp;</B>Loans classified as loss are considered uncollectible and of such little
value that their continuance as bankable assets is not warranted. This classification does not mean that the loan has absolutely no recovery or salvage value, but rather it is not practical or desirable to defer writing off even though partial
recovery may be affected in the future. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">The following tables present the Company&#146;s loan portfolio aging analysis as of
September&nbsp;30, 2014 and 2013: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="46%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="26" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>September&nbsp;30, 2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Greater</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Loans&nbsp;&gt;&nbsp;90</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>30-59</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>60-89</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Than</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Total</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Total</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Days and</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Past Due</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Past&nbsp;Due</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>90 Days</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Past Due</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Current</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Loans</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Accruing</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Residential real estate</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">484,469</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">139,735</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">624,204</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">141,656,132</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">142,280,336</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commercial real estate</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">42,375,040</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">42,375,040</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commercial</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,979</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,979</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">26,688,138</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">26,694,117</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Home equity/improvement</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">64,910</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">49,682</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">114,592</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17,044,946</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17,159,538</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Consumer</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,080</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,080</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,107,548</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,110,628</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total loans</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">552,459</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">195,396</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">747,855</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">230,871,804</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">231,619,659</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="41%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="22" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>September&nbsp;30, 2013</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom"> <P STYLE="border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Greater</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Loans&nbsp;&gt;&nbsp;90</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>30-59</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>60-89</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Than</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Total</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Total</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Days and</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Past Due</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Past Due</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>90 Days</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Past Due</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Current</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Loans</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Accruing</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Residential real estate</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">281,570</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">125,143</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">683,981</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,090,694</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">147,629,573</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">148,720,267</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commercial real estate</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,656</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">81,146</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">85,802</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">40,935,371</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">41,021,173</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commercial</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20,870,103</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20,870,103</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Home equity/improvement</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">42,187</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,948</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">94,440</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">144,575</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17,478,833</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17,623,408</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Consumer</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">722</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">722</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,923,111</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,923,833</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total loans</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">329,135</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">214,237</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">778,421</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,321,793</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">229,836,991</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">231,158,784</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">The entire balance of a loan is considered delinquent if the minimum payment contractually required to be made
is not received by the specified due date. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">The following table presents the Company&#146;s nonaccrual loans at September&nbsp;30, 2014
and 2013: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="76%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="78%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2013</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Residential real estate</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">139,735</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">683,981</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commercial</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,979</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Home equity/improvement</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">49,682</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">94,440</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total nonaccrual loans</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">195,396</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">778,421</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-22 </P>


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


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Peoples Bancorp </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Notes to Consolidated Financial Statements </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>September 30, 2014 and 2013 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">The following tables present impaired loans for the years ended September&nbsp;30, 2014 and
2013: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="56%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="18" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>September&nbsp;30, 2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Unpaid</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Average</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Interest</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Recorded</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Principal</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Specific</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Investment&nbsp;in</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Income</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Balance</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Balance</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Allowance</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Loans</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Recognized</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Impaired loans without a specific valuation allowance:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Residential real estate</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,426,969</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,475,469</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,589,812</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">144,344</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commercial real estate</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">631,153</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">631,153</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">739,003</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">42,151</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commercial</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">788,949</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">788,949</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">283,869</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">36,286</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Home equity/improvement</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">185,852</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">213,324</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">188,163</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,506</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Consumer</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,419</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,419</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,407</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">45</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total impaired loans with no related specific reserve</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,041,342</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,117,314</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,803,254</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">231,332</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Impaired loans with a specific valuation allowance:</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Residential real estate</P></TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commercial real estate</P></TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commercial</P></TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Home equity/improvement</P></TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Consumer</P></TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total impaired loans with an allowance recorded</P></TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total impaired loans</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">4,041,342</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">4,117,314</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,803,254</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">231,332</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="57%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="18" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>September&nbsp;30, 2013</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Unpaid</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Average</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Interest</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Recorded</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Principal</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Specific</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Investment&nbsp;in</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Income</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Balance</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Balance</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Allowance</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Loans</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Recognized</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Impaired loans without a specific valuation allowance:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Residential real estate</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,491,695</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,491,695</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,524,388</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">156,369</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commercial real estate</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">513,472</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">513,472</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">564,312</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">42,643</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commercial</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">45,248</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">45,248</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">74,293</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,315</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Home equity/improvement</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">94,179</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">94,179</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">89,051</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19,105</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Consumer</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,847</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,847</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,478</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">149</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total impaired loans with no related specific reserve</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,146,441</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,146,441</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,255,522</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">224,581</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Impaired loans with a specific valuation allowance:</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Residential real estate</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">534,015</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">534,015</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">241,397</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">248,547</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17,568</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commercial real estate</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">305,696</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">305,696</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">60,890</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">316,777</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15,565</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commercial</P></TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Home equity/improvement</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">87,067</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">87,067</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">59,186</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">81,202</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,799</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Consumer</P></TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total impaired loans with an allowance recorded</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">926,778</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">926,778</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">361,473</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">646,526</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">40,932</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total impaired loans</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">4,073,219</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">4,073,219</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">361,473</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,902,048</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">265,513</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Interest income on loans individually classified as impaired is recognized on a cash basis after all past due
and current principal payments have been made. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Included in the above impaired loan totals were approximately $572,000 and $1,109,000 of
loan modifications meeting the definition of troubled debt restructurings that were accruing interest and performing in accordance with their agreements at September&nbsp;30, 2014 and 2013, respectively. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-23 </P>


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


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Peoples Bancorp </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Notes to Consolidated Financial Statements </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>September 30, 2014 and 2013 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Subsequent payments on nonaccrual loans are recorded as a reduction of principal, and
interest income is recorded only after principal recovery is reasonably assured. Nonaccrual loans are returned to accrual status when, in the opinion of management, the financial position of the borrower indicates there is no longer any reasonable
doubt as to the timely collection of interest or principal. The Company requires a period of satisfactory performance of not less than six months before returning a nonaccrual loan to accrual status. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">The following tables present information regarding troubled debt restructurings by class for the years ended September&nbsp;30, 2014 and 2013.
</P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Newly classified troubled debt restructurings: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="84%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" ALIGN="center">


<TR>
<TD WIDTH="68%"></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>September&nbsp;30, 2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Pre-</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Post-</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Modification</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Modification</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Number</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Recorded</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Recorded</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" STYLE="border-bottom:1.00pt solid #000000"><B>of&nbsp;Loans</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Balance</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Balance</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Home equity/improvement</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">17,235</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">17,235</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="84%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" ALIGN="center">


<TR>
<TD WIDTH="69%"></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>September&nbsp;30, 2013</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Pre-</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Post-</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Modification</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Modification</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Number</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Recorded</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Recorded</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" STYLE="border-bottom:1.00pt solid #000000"><B>of&nbsp;Loans</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Balance</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Balance</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Residential real estate</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">113,885</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">113,885</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">The troubled debt restructurings described above increased the allowance for loan losses by $0 and $20,000 and
resulted in charge-offs of $0 and $17,000 during the years ended September&nbsp;30, 2014 and 2013. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Newly restructured loans by type of
modification: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="92%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" ALIGN="center">


<TR>
<TD WIDTH="64%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>September&nbsp;30, 2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Interest</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Total</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Only</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Term</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Combination</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Modification</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Home equity/improvement</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">17,235</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">17,235</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="92%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" ALIGN="center">


<TR>
<TD WIDTH="62%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>September&nbsp;30, 2013</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2"><B>Interest</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Total</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Only</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Term</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Combination</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Modification</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Residential real estate</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">113,885</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">113,885</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-24 </P>


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


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Peoples Bancorp </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Notes to Consolidated Financial Statements </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>September 30, 2014 and 2013 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">There were no troubled debt restructurings modified in the past 12 months that subsequently
defaulted for the periods ended September&nbsp;30, 2014 and 2013. </P>
 <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Note 5: Premises and Equipment </B></P>
 <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="76%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="70%"></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2013</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Land and land improvements</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,536,314</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,373,936</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Buildings</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9,783,943</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9,567,291</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Equipment</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,733,491</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,193,259</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total cost</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19,053,748</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18,134,486</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Accumulated depreciation</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(13,795,937</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(13,199,738</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">5,257,811</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">4,934,748</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>
 <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Note 6: Deposits </B></P>
 <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="76%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="68%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2013</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Noninterest-bearing demand deposits</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">25,514,862</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">25,564,485</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest-bearing demand deposits</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">106,434,831</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">98,102,923</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Savings deposits</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">80,844,107</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">74,938,940</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Certificates and other time deposits of $ 100,000 or more</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">47,026,002</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">48,149,609</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other certificates and time deposits</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">94,100,452</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">102,921,864</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">353,920,254</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">349,677,821</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:18pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Certificates and other time deposits maturing in years ending September&nbsp;30: </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="68%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="82%"></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">2015</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">66,511,410</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">2016</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">28,649,115</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">2017</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20,429,562</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">2018</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,460,793</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">2019</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11,421,608</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Thereafter</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,653,966</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">141,126,454</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Deposits from related parties held by the Company at September&nbsp;30, 2014 and 2013 totaled $2,448,000 and
$2,352,000, respectively. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-25 </P>


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


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Peoples Bancorp </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Notes to Consolidated Financial Statements </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>September 30, 2014 and 2013 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Note 7: Short-Term Borrowings </B></P>
 <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="76%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" ALIGN="center">


<TR>
<TD WIDTH="78%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2013</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Securities sold under agreements to repurchase</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">650,379</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">897,712</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">At September&nbsp;30, 2014 and 2013, the securities sold under agreements to repurchase obligations were
secured by investment securities and such collateral is held by a safekeeping agent. The maximum amount of outstanding agreements at any month-end during 2014 and 2013 totaled $1,688,000 and $1,913,000 and the average of such agreements for the
years ended September&nbsp;30, 2014 and 2013 totaled $677,000 and $813,000, respectively. The agreements at September&nbsp;30, 2014 mature daily. </P>
 <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Note 8: Federal Home Loan Bank Advances </B></P>
 <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Federal Home Loan Bank advances at September&nbsp;30, 2014 and 2013 totaled $52,217,000 and $39,164,000 and were at various
rates ranging from 0.00% to 4.30% maturing at various dates through August 2022. The Federal Home Loan Bank advances are secured by first mortgage loans totaling $136,310,000. Advances are subject to restrictions or penalties in the event of
prepayment. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="68%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="83%"></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE="border-bottom:1.00pt solid #000000; width:138.70pt; font-size:8pt; font-family:Times New Roman"><B>Maturities in years ending September&nbsp;30</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Amount</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">2015</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">4,243,415</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">2016</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,737,304</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">2017</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,733,711</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">2018</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21,732,560</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">2019</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,733,778</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Thereafter</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,036,375</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">52,217,143</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>
 <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Note 9: Loan Servicing </B></P>
 <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Mortgage loans serviced for others are not included in the accompanying consolidated balance sheets. The unpaid principal
balance of mortgage loans serviced for others was $58,654,000 and $62,899,000 at September&nbsp;30, 2014 and 2013, respectively. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="76%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="76%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2013</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Mortgage-servicing rights</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Balance, beginning of year</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">271,291</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">345,391</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Servicing rights capitalized</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">44,376</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">83,397</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Amortization of servicing rights</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(125,552</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(157,497</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Balance, end of year</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">190,115</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">271,291</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-26 </P>


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


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Peoples Bancorp </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Notes to Consolidated Financial Statements </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>September 30, 2014 and 2013 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">The fair value of servicing rights subsequently measured using the amortization method was as
follows: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="76%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="78%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2013</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Fair value, beginning of period</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">508,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">456,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Fair value, end of period</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">438,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">508,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
</TABLE>
 <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Note 10: Income Tax </B></P>
 <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="76%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="74%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2013</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Income tax expense</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Currently payable</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Federal</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">429,124</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">34,819</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">State</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(22,393</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">183</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Deferred</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Federal</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21,202</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">112,657</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">State</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">57,593</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,617</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:7.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total income tax expense</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">485,526</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">151,276</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Reconciliation of federal statutory to actual tax expense</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Federal statutory income tax at 34%</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,322,549</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">944,544</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Tax-exempt interest</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(561,866</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(621,656</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Nondeductible expenses</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,874</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,936</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Effect of state income taxes</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">23,232</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,508</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cash surrender value</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(151,399</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(145,859</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Effect of low income housing credits</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(70,454</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(67,045</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(79,410</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">35,848</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:7.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Actual tax expense</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">485,526</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">151,276</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-27 </P>


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


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Peoples Bancorp </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Notes to Consolidated Financial Statements </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>September 30, 2014 and 2013 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">A cumulative net deferred tax liability is included in other liabilities. The components of
the assets are as follows: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="76%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="73%"></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2013</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Assets</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Allowance for loan losses</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">806,411</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">813,805</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Loan fees</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">197,544</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">216,763</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other real estate owned</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">28,247</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Federal and State NOL carryforward</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">202,977</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">597,880</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Alternative minimum tax and low income housing credits</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">295,657</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">223,665</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">261,534</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">270,075</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total assets</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,764,123</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,150,435</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Liabilities</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Depreciation</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">159,150</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">210,485</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">State income tax</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">31,275</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">34,651</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">FHLB of Indianapolis stock dividend</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">233,251</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">235,082</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net unrealized gains on securities available for sale</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">897,975</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">344,815</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Prepaid expenses</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">648,197</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">840,735</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">179,203</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">223,750</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total liabilities</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,149,051</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,889,518</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net deferred tax asset (liability) before valuation allowance</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(384,928</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">260,917</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Valuation allowance</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Beginning balance</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(216,865</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(128,028</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Changing during the period</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13,888</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(88,837</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Ending balance</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(202,977</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(216,865</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net deferred asset (liability)</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(587,905</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">44,052</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Retained earnings at September&nbsp;30, 2014 include approximately $8,102,000 for which no deferred income tax
liability has been recognized. This amount represents an allocation of income to bad debt deductions as of June&nbsp;30, 1988 for tax purposes only. Reduction of amounts so allocated for purposes other than tax bad debt losses or adjustments arising
from carryback of net operating losses would create income for tax purposes only, which income would be subject to the then current corporate income tax rate. The unrecorded deferred income tax liability on the above amount was approximately
$2,755,000 at September&nbsp;30, 2014. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">At September&nbsp;30, 2014, the Company had credit carryforwards totaling $296,000, which
represents alternative minimum tax with no expiration date. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-28 </P>


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


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Peoples Bancorp </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Notes to Consolidated Financial Statements </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>September 30, 2014 and 2013 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">At September&nbsp;30, 2014, the Company had state net operating losses totaling $2,495,000
that begin expiring in 2024. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Management believes that the Company will be able to utilize the benefits recorded for federal and state
carryforwards within the allotted time periods, except for the amount represented by the valuation allowance. The entire valuation allowance has been recorded for the possible inability to use the state net operating loss carryover. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">The Bank&#146;s tax years still subject to examination by taxing authorities are years subsequent to 2010. </P>
 <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Note 11: Commitments and Contingent Liabilities </B></P>
 <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">In the normal course of business, there are outstanding commitments and contingent liabilities, such as commitments to
extend credit, which are not included in the accompanying consolidated financial statements. The Company&#146;s exposure to credit loss in the event of nonperformance by the other party to the financial instruments for commitments to extend credit
is represented by the contractual or notional amount of those instruments. The Company uses the same credit policies in making such commitments as it does for instruments that are included in the consolidated balance sheets. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Financial instruments whose contract amount represents credit risk at September&nbsp;30, 2014 and 2013 consisted of commitments to extend
credit totaling $85,815,000 and $78,719,000, respectively. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Commitments to extend credit are agreements to lend to a customer as long as
there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since many of the commitments are expected to expire without being
drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Company evaluates each customer&#146;s credit worthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the
Company upon extension of credit, is based on management&#146;s credit evaluation. Collateral held varies, but may include residential real estate, income-producing commercial properties, or other assets of the borrower. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">The Company has employment agreements with three officers, which include provisions for payment to them of three years&#146; salary,
respectively, in the event of their termination in connection with any change in ownership or control of the Company, other than by agreement. The agreements have terms of three years, which may be extended annually for successive periods of one
year. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">The Company and subsidiaries are also subject to possible claims and lawsuits which arise primarily in the ordinary course of
business. It is the opinion of management that the disposition or ultimate determination of such possible claims or lawsuits will not have a material adverse effect on the consolidated financial position, results of operations and cash flows of the
Company. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-29 </P>


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


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Peoples Bancorp </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Notes to Consolidated Financial Statements </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>September 30, 2014 and 2013 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Note 12: Dividends and Capital Restrictions </B></P>
 <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Without prior approval, current regulations allow the Bank to pay dividends to the Company not exceeding net profits (as
defined) for the current calendar year to date plus those for the previous two years. The Bank normally restricts dividends to a lesser amount because of the need to maintain an adequate capital structure. </P>
 <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Note 13: Regulatory Capital </B></P>
 <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">The Bank is subject to various regulatory capital requirements administered by the federal banking agencies and are assigned
to a capital category. The assigned capital category is largely determined by ratios that are calculated according to the regulations. The ratios are intended to measure capital relative to assets and credit risk associated with those assets and
off-balance sheet exposures of the entity. The capital category assigned to an entity can also be affected by qualitative judgments made by regulatory agencies about the risk inherent in the entity&#146;s activities that are not part of the
calculated ratios. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">There are five capital categories defined in the regulations, ranging from well capitalized to critically
undercapitalized. Classification of a bank in any of the undercapitalized categories can result in actions by regulators that could have a material effect on a bank&#146;s operations. At September&nbsp;30, 2014, the Bank was categorized as well
capitalized and met all subject capital adequacy requirements. There are no conditions or events since September&nbsp;30, 2014 that management believes have changed the Bank&#146;s classification. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">The Company&#146;s actual and required capital amounts and ratios are as follows: </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="56%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="22" ALIGN="center"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"><B>Required for</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"><B>To Be Well</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"><B>Actual</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"><B>Adequate Capital <SUP STYLE="font-size:85%; vertical-align:top">1</SUP></B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"><B>Capitalized &sup1;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Amount</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Ratio</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Amount</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Ratio</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Amount</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Ratio</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total risk-based capital <SUP STYLE="font-size:85%; vertical-align:top">1</SUP> (to risk-weighted assets)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">53,854,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">22.09</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">19,507,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.00</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">24,384,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.00</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Tier 1 risk-based capital <SUP STYLE="font-size:85%; vertical-align:top">1</SUP> (to risk-weighted assets)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">51,874,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21.27</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9,754,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.00</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14,630,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6.00</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Core capital <SUP STYLE="font-size:85%; vertical-align:top">1</SUP> (to adjusted total assets)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">51,874,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11.03</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18,816,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.00</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">23,521,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5.00</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Core capital <SUP STYLE="font-size:85%; vertical-align:top">1</SUP> (to adjusted tangible assets)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">51,874,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11.03</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9,408,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.00</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">NA</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">NA</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Tangible capital <SUP STYLE="font-size:85%; vertical-align:top">1</SUP> (to adjusted total assets)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">51,874,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11.03</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,056,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.50</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">NA</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">NA</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-30 </P>


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


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Peoples Bancorp </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Notes to Consolidated Financial Statements </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>September 30, 2014 and 2013 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="56%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>

<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="22" ALIGN="center"><B>2013</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"><B>Required for</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"><B>To Be Well</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"><B>Actual</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"><B>Adequate Capital <SUP STYLE="font-size:85%; vertical-align:top">1</SUP></B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"><B>Capitalized &sup1;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Amount</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Ratio</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Amount</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Ratio</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Amount</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Ratio</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total risk-based capital <SUP STYLE="font-size:85%; vertical-align:top">1</SUP> (to risk-weighted assets)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">53,666,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">22.45</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">19,121,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.00</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">23,902,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.00</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Tier 1 risk-based capital <SUP STYLE="font-size:85%; vertical-align:top">1</SUP> (to risk-weighted assets)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">51,363,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21.49</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9,561,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.00</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14,341,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6.00</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Core capital <SUP STYLE="font-size:85%; vertical-align:top">1</SUP> (to adjusted total assets)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">51,363,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11.39</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18,036,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.00</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">22,544,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5.00</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Core capital <SUP STYLE="font-size:85%; vertical-align:top">1</SUP> (to adjusted tangible assets)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">51,363,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11.39</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9,018,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.00</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">NA</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">NA</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Tangible capital <SUP STYLE="font-size:85%; vertical-align:top">1</SUP> (to adjusted total assets)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">51,363,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11.39</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,763,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.50</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">NA</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">NA</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">As defined by Regulatory Agencies </TD></TR></TABLE>
 <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Note 14: Employee Benefit Plans </B></P>
 <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Prior to August&nbsp;1, 2007, the Company provided pension benefits for substantially all of its employees through its
participation in a pension fund known as the Pentegra Defined Benefit Plan (Pentegra Plan). The Company chose to freeze the Pentegra Plan effective August&nbsp;1, 2007. The trustees of the Financial Institutions Retirement Fund administer the
Pentegra Plan, employer identification number 13-5645888 and plan number 333. This plan operates as a multi-employer plan for accounting purposes and as a multiple-employer plan under the <I>Employee Retirement Income Security Act of 1974</I> and
the Internal Revenue Code. There are no collective bargaining agreements in place that require contributions to the Pentegra Plan. The Pentegra Plan is a single plan under Internal Revenue Code 413(c) and, as a result, all of the assets stand behind
all of the liabilities. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">The risks of participating in these multiemployer plans are different from single-employer plans in the following
aspects: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">1.</TD>
<TD ALIGN="left" VALIGN="top">Assets contributed to the multiemployer plan by one employer may be used to provide benefits to employees of other participating employers. </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">2.</TD>
<TD ALIGN="left" VALIGN="top">If a participating employer stops contributing to the plan, the unfunded obligations of the plan may be borne by the remaining participating employers. </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">3.</TD>
<TD ALIGN="left" VALIGN="top">If the Company chooses to stop participating in the multiemployer plan, the Company may be required to pay the plan an amount based on the underfunded status of the plan, referred to as a withdrawal liability.
</TD></TR></TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Pension expense and contributions related to this plan was $300,000 and $325,000 for the years ended September&nbsp;30, 2014
and 2013. Funding status of the plan as of the beginning of the plan years for 2014 and 2013 (July 1<SUP STYLE="font-size:85%; vertical-align:top">st</SUP>) was 118.26% and 106.73%, respectively. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-31 </P>


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


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Peoples Bancorp </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Notes to Consolidated Financial Statements </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>September 30, 2014 and 2013 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Total contributions to the Pentegra Plan were $136,478,000 and $196,473,000 for the plan
years ended June&nbsp;30, 2014 and 2013, respectively. The Company&#146;s contributions to the Pentegra Plan were not more than 5% of the total contributions to the plan. There have been no significant changes that affect the comparability of the
2014 and 2013 contributions. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">A profit-sharing plan is maintained for the benefit of substantially all of the Company&#146;s employees and
allows for both employee and Company contributions. The Company contribution consists of a matching contribution of 100 percent for 2014 and 2013, up to 6 percent of eligible employee compensation. The Company may also contribute an additional
discretionary amount to each employee, regardless of participation in the matching program. The Company&#146;s contribution to the plan, for the matching program was approximately $211,000 and $226,000 for 2014 and 2013. The Company&#146;s
contribution for the discretionary program was $0 for 2014 and 2013. </P>
 <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Note 15: Earnings Per Share </B></P>
 <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">For the years ended September&nbsp;30, 2014 and 2013, no options to purchase shares of common stock were outstanding.
Earnings per share (EPS) were computed as follows: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="84%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="69%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Weighted-</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Average</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Per-Share</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Income</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Shares</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Amount</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Basic Earnings Per Share</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net income available to common stockholders</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,404,323</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,313,219</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.47</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Effect of Dilutive Securities</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Stock options</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Diluted Earnings Per Share</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Income available to common stockholders and assumed conversions</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,404,323</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,313,219</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.47</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="84%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="69%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>



<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center"><B>2013</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Weighted-</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Average</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Per-Share</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Income</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Shares</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Amount</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Basic Earnings Per Share</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net income available to common stockholders</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,626,795</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,357,792</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.11</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Effect of Dilutive Securities</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Stock options</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Diluted Earnings Per Share</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Income available to common stockholders and assumed conversions</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,626,795</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,357,792</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.11</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-32 </P>


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


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Peoples Bancorp </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Notes to Consolidated Financial Statements </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>September 30, 2014 and 2013 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Note 16: Fair Values of Financial Instruments </B></P>
 <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Fair value is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction
between market participants at the measurement date. Fair value measurements must maximize the use of observable inputs and minimize the use of unobservable inputs. There is a hierarchy of three levels of inputs that may be used to measure fair
value: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="85%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="5%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="93%"></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><B>Level&nbsp;1</B></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Quoted prices in active markets for identical assets</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><B>Level 2 </B></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Observable inputs other than Level 1 prices, such as quoted prices for similar assets; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data for
substantially the full term of the assets</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><B>Level 3</B></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Unobservable inputs supported by little or no market activity and are significant to the fair value of the assets</TD></TR>
</TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Following is a description of the valuation methodologies and inputs used for assets measured at fair value on
a nonrecurring basis and recognized in the accompanying consolidated balance sheets, as well as the general classification of such assets pursuant to the valuation hierarchy. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; margin-left:2%; font-size:10pt; font-family:Times New Roman"><B><I>Available-for-Sale Securities </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Where quoted market prices are available in an active market, securities are classified within Level&nbsp;1 of the valuation hierarchy. If
quoted market prices are not available, then fair values are estimated by using pricing models, quoted prices of securities with similar characteristics or discounted cash flows. Level&nbsp;2 securities include U.S. Government agency securities,
mortgage-backed securities and CMO&#146;s and obligations of state and municipals. Matrix pricing is a mathematical technique widely used in the banking industry to value investment securities without relying exclusively on quoted prices for
specific investment securities but rather relying on the investment securities&#146; relationship to other benchmark quoted investment securities. In certain cases where Level&nbsp;1 or Level&nbsp;2 inputs are not available, securities are
classified within Level&nbsp;3 of the hierarchy. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-33 </P>


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


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Peoples Bancorp </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Notes to Consolidated Financial Statements </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>September 30, 2014 and 2013 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">The following tables present the fair value measurements of assets recognized in the
accompanying consolidated balance sheets measured at fair value on a recurring basis and the level within the fair value hierarchy in which the fair value measurements fall at September&nbsp;30, 2014 and 2013: </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="92%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" ALIGN="center">


<TR>
<TD WIDTH="50%"></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Fair Value Measurements Using</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Quoted&nbsp;Prices</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>in Active</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Significant</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Markets for</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Other</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Significant</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Identical</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Observable</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Unobservable</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Fair</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Assets</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Inputs</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Inputs</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Value</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>(Level 1)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>(Level 2)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>(Level 3)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Available for sale</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Federal agencies</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">19,561,097</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">19,561,097</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">State and municipal obligations</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">60,172,620</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">60,172,620</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SBA Pools</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,789,289</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,789,289</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other asset-backed securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,018,800</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,018,800</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Mortgage-backed securities -</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">GSE - residential</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">85,222,914</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">85,222,914</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">169,764,720</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">169,764,720</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="92%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" ALIGN="center">


<TR>
<TD WIDTH="50%"></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>



<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>2013</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Fair Value Measurements Using</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Quoted&nbsp;Prices</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>in Active</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Significant</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Markets for</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Other</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Significant</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Identical</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Observable</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Unobservable</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Fair</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Assets</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Inputs</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Inputs</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Value</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>(Level 1)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>(Level 2)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>(Level 3)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Available for sale</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Federal agencies</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">20,428,759</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">20,428,759</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">State and municipal obligations</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">61,259,621</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">61,259,621</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SBA Pools</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">987,409</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">987,409</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other asset-backed securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,990,600</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,990,600</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Mortgage-backed securities -</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">GSE - residential</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">96,272,354</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">96,272,354</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">180,938,743</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">180,938,743</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-34 </P>


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


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Peoples Bancorp </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Notes to Consolidated Financial Statements </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>September 30, 2014 and 2013 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Following is a description of the valuation methodologies and inputs used for assets measured
at fair value on a nonrecurring basis and recognized in the accompanying consolidated balance sheets, as well as the general classification of such assets pursuant to the valuation hierarchy. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; margin-left:2%; font-size:10pt; font-family:Times New Roman"><B><I>Collateral-Dependent Impaired Loans, Net of ALLL </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">The estimated fair value of collateral-dependent impaired loans is based on the appraised fair value of the collateral, less estimated cost to
sell. Collateral-dependent impaired loans are classified within Level 3 of the fair value hierarchy. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">The Company considers the appraisal
or evaluation as the starting point for determining fair value and then considers other factors and events in the environment that may affect the fair value. Appraisals of the collateral underlying collateral-dependent loans are obtained when the
loan is determined to be collateral-dependent and subsequently as deemed necessary by the Chief Financial Officer. Appraisals are reviewed for accuracy and consistency by the Chief Financial Officer. Appraisers are selected from the list of approved
appraisers maintained by management. The appraised values are reduced by discounts to consider lack of marketability and estimated cost to sell if repayment or satisfaction of the loan is dependent on the sale of the collateral. These discounts and
estimates are developed by the Chief Financial Officer comparison to historical results. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; margin-left:2%; font-size:10pt; font-family:Times New Roman"><B><I>Other Real Estate Owned </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Other real estate owned is reported at fair value, less cost to sell and is measured using Level 3 inputs within the fair value hierarchy.
Level 3 inputs for foreclosed real estate included third-party appraisals adjusted for cost to sell. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">The following tables present the fair
value measurement of assets at fair value on a nonrecurring basis and the level within the fair value hierarchy in which the fair value measurements fall at September&nbsp;30, 2014 and 2013. </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="92%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" ALIGN="center">


<TR>
<TD WIDTH="58%"></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Fair Value Measurements Using</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Quoted&nbsp;Prices</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>in Active</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Significant</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Markets for</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Other</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Significant</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Identical</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Observable</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Unobservable</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Fair</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Assets</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Inputs</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Inputs</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Value</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>(Level 1)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>(Level 2)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>(Level 3)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Impaired loans (collateral dependent)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">156,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">156,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-35 </P>


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


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Peoples Bancorp </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Notes to Consolidated Financial Statements </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>September 30, 2014 and 2013 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="92%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" ALIGN="center">


<TR>
<TD WIDTH="58%"></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>2013</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Fair Value Measurements Using</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Quoted&nbsp;Prices</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>in Active</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Significant</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Markets for</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Other</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Significant</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Identical</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Observable</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Unobservable</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Fair</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Assets</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Inputs</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Inputs</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Value</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>(Level 1)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>(Level 2)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>(Level 3)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Impaired loans (collateral dependent)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">950,171</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">950,171</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other real estate owned</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14,925</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14,925</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:18pt; margin-bottom:0pt; margin-left:2%; font-size:10pt; font-family:Times New Roman"><B><I>Unobservable (Level 3) Inputs </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">The following table presents quantitative information about unobservable inputs used in recurring and nonrecurring Level 3 fair value
measurements. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="92%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" ALIGN="center">


<TR>
<TD WIDTH="52%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Fair Value at</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>September&nbsp;30,</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><B>Valuation</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><B>Unobservable</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Technique</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Inputs</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Discount</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Collateral-dependent impaired loans</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">156,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">Market&nbsp;comparable<BR>properties</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">Marketability<BR>discount</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="92%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" ALIGN="center">


<TR>
<TD WIDTH="48%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Fair Value at</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>September&nbsp;30,</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><B>Valuation</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><B>Unobservable</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2013</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Technique</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Inputs</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Discount</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Collateral-dependent impaired loans</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">950,171</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">Market&nbsp;comparable<BR>properties</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">Marketability<BR>discount</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="white-space:nowrap">15-65</FONT></TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other real estate owned</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14,925</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">Market comparable<BR>properties</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">Comparability<BR>adjustments</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">40</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">The following methods and assumptions were used to estimate the fair value of each class of financial
instrument: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B>Cash and Cash Equivalents</B> - The fair value of cash and cash equivalents approximates carrying value. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B>Interest</B>-<B>Bearing Time Deposits</B> - The fair value of interest-bearing time deposits approximates carrying value. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-36 </P>


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


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Peoples Bancorp </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Notes to Consolidated Financial Statements </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>September 30, 2014 and 2013 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B>Loans and Loans Held for Sale</B> - For both short-term loans and variable-rate loans that
reprice frequently, and with no significant change in credit risk, fair values are based on carrying values. The fair value for other loans is estimated using discounted cash flow analyses using interest rates currently being offered for loans with
similar terms to borrowers of similar credit quality. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B>Interest Receivable/Payable</B> - The fair values of interest receivable/payable
approximate carrying values. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B>FHLB Stock</B> - Fair value of FHLB stock is based on the price at which it may be resold to the FHLB.
</P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B>Deposits</B> - The fair values of noninterest-bearing, interest-bearing demand and savings accounts are equal to the amount payable on
demand at the balance sheet date. The carrying amounts for variable-rate, fixed-term certificates of deposit approximate their fair values at the balance sheet date. Fair values for fixed-rate certificates of deposit are estimated using a discounted
cash flow calculation that applies interest rates currently being offered on certificates to a schedule of aggregated expected monthly maturities on such time deposits. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B>Short-Term Borrowings</B> - The fair value of short-term borrowings approximates carrying value. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B>Federal Home Loan Bank Advances</B> - The fair value of these borrowings is estimated using a discounted cash flow calculation, based on
current rates for similar advances. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">The following table presents estimated fair values of the Company&#146;s financial instruments and
their related carrying value at year end. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="58%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"><B>2013</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Carrying</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Fair</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Carrying</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Fair</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Amount</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Value</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Amount</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Value</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Assets</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cash and cash equivalents</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">17,658,180</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">17,658,180</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">6,197,988</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">6,197,988</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest-bearing time deposits</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,766,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,766,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,899,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,899,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Investment securities held to maturity</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,984,331</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,951,776</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Loans, including loans held for sale</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">229,144,878</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">229,144,878</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">228,360,874</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">228,169,874</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">FHLB stock</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,127,700</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,127,700</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,127,700</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,127,700</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest receivable</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,510,239</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,510,239</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,477,008</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,477,008</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Liabilities</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Deposits</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">353,920,254</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">354,807,545</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">349,677,821</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">351,267,821</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Short-term borrowings</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">650,379</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">650,379</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">897,712</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">897,712</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Federal Home Loan Bank advances</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">52,217,143</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">52,795,143</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">39,163,522</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">40,404,522</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest payable</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">74,094</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">74,094</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">81,952</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">81,952</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-37 </P>


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


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Peoples Bancorp </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Notes to Consolidated Financial Statements </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>September 30, 2014 and 2013 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Note 17: Condensed Financial Information (Parent Company Only) </B></P>
 <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Presented below is condensed financial information as to financial position, results of operations and cash flows of the
Company. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Condensed Balance Sheets </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="80%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2013</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Assets</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cash</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">4,079,446</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">4,315,965</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Investment in subsidiaries</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">55,984,336</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">54,425,594</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,176,120</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14,142</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total assets</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">61,239,902</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">58,755,701</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Liabilities</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Dividends payable on common stock</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">462,372</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">462,858</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,900</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">370</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total liabilities</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">475,272</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">463,228</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Stockholders&#146; Equity</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Common stock</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,311,858</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,314,288</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Retained earnings</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">56,771,502</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">55,273,078</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Accumulated other comprehensive income</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,681,270</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">705,107</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">60,764,630</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">58,292,473</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total liabilities and stockholders&#146; equity</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">61,239,902</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">58,755,701</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Condensed Statements of Income </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="82%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2013</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,937,500</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,575,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Expenses</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">162,416</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">154,118</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Income before distribution in excess of income of subsidiaries and income tax expense</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,775,084</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,420,882</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Undistributed income (distribution in excess of income) of subsidiaries</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">582,839</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">153,913</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Income before income tax</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,357,923</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,574,795</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Income tax benefit</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(46,400</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(52,000</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net income</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,404,323</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,626,795</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-38 </P>


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


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Peoples Bancorp </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Notes to Consolidated Financial Statements </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>September 30, 2014 and 2013 </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Condensed Statements of Cash Flows </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="80%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2013</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cash flows from operating activities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,404,323</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,626,795</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Items not providing cash</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Distributions in excess of income (undistributed income) of subsidiaries</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(582,579</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(153,681</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other adjustments</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(149,448</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1,143</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:7.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net cash provided by operating activities</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,672,296</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,471,971</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cash flows from investing activities - purchase of preferred stock</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1,000,000</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cash flows from financing activities</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Stock repurchased</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(58,070</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1,719,023</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cash dividends</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1,850,745</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1,897,507</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:7.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net cash used in financing activities</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1,908,815</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(3,616,530</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net change in cash</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(236,519</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1,144,559</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cash at beginning of year</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,315,965</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,460,524</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cash at end of year</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">4,079,446</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">4,315,965</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>
 <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Note 18: Subsequent Events </B></P>
 <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Subsequent events have been evaluated through the date of the Independent Auditor&#146;s Report, which is the date the
consolidated financial statements were available to be issued. </P>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-39 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Peoples Bancorp </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="fin915197_8"></A>Consolidated Condensed Balance Sheets </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="78%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>March&nbsp;31,</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>September&nbsp;30,</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center">(Unaudited)</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Assets</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cash and cash equivalents</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">22,218,408</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">17,658,180</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest-bearing time deposits</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,065,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,766,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Investment securities available for sale</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">175,404,176</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">169,764,720</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Investment securities held to maturity (fair value of $10,095,187 and $10,951,776)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,039,346</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,984,331</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Mortgage loans held for sale</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">215,250</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">244,650</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Loans, net of allowance for loan losses of $1,942,782 and $1,980,170</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">227,816,253</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">228,900,228</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Premises and equipment, net</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,043,062</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,257,811</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Federal Home Loan Bank of Indianapolis stock, at cost</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,506,500</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,127,700</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Goodwill</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,330,198</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,330,198</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cash surrender value of life insurance</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13,802,793</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13,603,323</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,481,969</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,546,867</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:7.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total assets</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">476,922,955</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">471,184,008</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Liabilities</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">NOW and savings deposits</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">222,308,544</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">212,793,800</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Certificates of deposit</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">135,983,347</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">141,126,454</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:7.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total deposits</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">358,291,891</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">353,920,254</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Short-term borrowings</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">185,679</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">650,379</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Federal Home Loan Bank advances</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">51,497,385</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">52,217,143</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other liabilities</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,713,699</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,631,602</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:7.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total liabilities</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">414,688,654</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">410,419,378</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Commitments and Contingencies</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Stockholders&#146; Equity</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Preferred stock, $1 par value</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Authorized and unissued - 5,000,000 shares</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Common stock, $1 par value</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Authorized - 7,000,000 shares</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Issued and outstanding - 2,311,858 and 2,311,858 shares</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,311,858</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,311,858</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Retained earnings</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">57,321,400</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">56,771,502</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Accumulated other comprehensive income</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,601,043</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,681,270</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:7.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total stockholders&#146; equity</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">62,234,301</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">60,764,630</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:7.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total liabilities and stockholders&#146; equity</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">476,922,955</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">471,184,008</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>See Notes to Consolidated Financial Statements </I></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-40 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Peoples Bancorp </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="fin915197_9"></A>Consolidated Condensed Statements of Income </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Three and Six Months Ended March&nbsp;31, 2015 and 2014 </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="64%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"><B>Three Months</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"><B>Six Months</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"><B>Ended March&nbsp;31,</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"><B>Ended March&nbsp;31,</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center">(Unaudited)</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center">(Unaudited)</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center">(Unaudited)</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center">(Unaudited)</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Interest Income</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Loans</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,546,581</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,700,735</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">5,150,081</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">5,436,112</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Investment securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,078,291</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,157,477</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,119,225</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,262,359</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other interest and dividend income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">84,015</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">74,549</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">176,513</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">127,886</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,708,887</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,932,761</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,445,819</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,826,357</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Interest Expense</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Deposits</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">NOW and savings deposits</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">49,285</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">44,814</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">103,950</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">90,534</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Certificates of deposit</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">388,245</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">417,062</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">789,113</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">853,663</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Short-term borrowings</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">375</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">293</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">709</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">689</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Federal Home Loan Bank advances</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">292,093</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">299,377</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">589,751</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">581,743</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">729,998</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">761,546</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,483,523</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,526,629</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Net Interest Income</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,978,889</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,171,215</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,962,296</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,299,728</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Provision for loan losses</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">34,500</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">133,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">69,250</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">177,500</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Net Interest Income After Provision for Loan Losses</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,944,389</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,038,215</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,893,046</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,122,228</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Noninterest Income</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Fiduciary activities</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">179,551</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">148,605</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">383,466</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">304,355</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Fees and service charges</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">386,897</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">392,014</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">758,993</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">768,595</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net realized gains on available-for-sale securities</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">48,502</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">102,507</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">312,457</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">102,507</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Gain on sale of loans</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">29,091</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">32,066</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">43,807</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">76,901</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cash surrender value</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">96,869</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">102,764</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">199,470</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">208,397</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other income</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">159,246</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">89,677</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">186,482</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">97,581</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total other income</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">900,156</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">867,633</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,884,675</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,558,336</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Noninterest Expenses</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Salaries and employee benefits</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,750,415</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,798,875</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,541,427</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,577,372</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net occupancy expense</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">255,897</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">280,616</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">490,674</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">533,765</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Equipment expense</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">172,638</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">160,131</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">337,309</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">305,918</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Data processing expense</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">164,300</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">220,976</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">315,795</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">404,840</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Deposit insurance expense</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">60,593</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">66,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">118,356</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">124,196</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other expenses</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">736,629</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">537,405</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,312,480</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,033,104</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total other expenses</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,140,472</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,064,003</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,116,041</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,979,195</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Income Before Income Tax</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">704,073</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">841,845</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,661,680</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,701,369</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Income tax expense</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">47,495</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">96,193</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">187,039</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">195,705</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Net Income</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">656,578</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">745,652</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,474,641</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,505,664</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Basic and Diluted Earnings Per Share</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.28</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.32</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.64</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.65</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Weighted-Average Shares Outstanding - Basic and Diluted</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,311,858</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,313,788</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,311,858</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,313,912</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>See Notes to Consolidated Financial Statements </I></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-41 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Peoples Bancorp </B></P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="fin915197_10"></A>Consolidated Condensed Statements of Comprehensive Income </B></P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Three and Six Months Ended March&nbsp;31, 2015 and 2014 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>(Unaudited) </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="64%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"><B>Three Months</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"><B>Six Months</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"><B>Ended March&nbsp;31,</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"><B>Ended March&nbsp;31,</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center">(Unaudited)</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center">(Unaudited)</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center">(Unaudited)</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center">(Unaudited)</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Net Income</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">656,578</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">745,652</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,474,641</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,505,664</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Other Comprehensive Income</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Change in net unrealized gain on securities available for sale, net of taxes of $384,846, $447,393, $580,058 and $324,732</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">747,054</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">868,470</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,125,995</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">630,363</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Less reclassification adjustment for realized gains included in net</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">income, net of taxes of $16,491, $34,852, $106,235 and $34,852</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">32,011</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">67,655</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">206,222</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">67,655</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total other comprehensive income</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">715,043</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">800,815</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">919,773</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">562,708</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Comprehensive Income</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,371,621</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,546,467</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,394,414</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,068,372</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>
 <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>See Notes to Consolidated Financial Statements </I></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-42 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Peoples Bancorp </B></P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="fin915197_11"></A>Consolidated Condensed Statements of Stockholders&#146; Equity </B></P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Six Months Ended March&nbsp;31, 2015 (Unaudited) </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="53%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="10" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Accumulated</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="10" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Other</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"><B>Common Stock</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Retained</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Comprehensive</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Outstanding</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Amount</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Earnings</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Income</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Total</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Balances , September&nbsp;30, 2014</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,311,858</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,311,858</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">56,771,502</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,681,270</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">60,764,630</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,474,641</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,474,641</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other comprehensive income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">919,773</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">919,773</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cash dividends ($.80 per share)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(924,743</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(924,743</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Repurchase of common stock</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Balances , March&nbsp;31, 2015</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,311,858</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,311,858</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">57,321,400</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,601,043</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">62,234,301</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>
 <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>See Notes to Consolidated Financial Statements </I></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-43 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Peoples Bancorp </B></P>
 <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="fin915197_12"></A>Consolidated Condensed Statements of Cash Flows </B></P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Six Months Ended March&nbsp;31, 2015 and 2014 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>(Unaudited) </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="78%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"><B>Six Months</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"><B>Ended March 31,</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Operating Activities</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,474,641</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,505,664</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Items not requiring (providing) cash</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Provision for loan losses</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">69,250</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">177,500</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Depreciation and amortization</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">290,380</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">269,929</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Investment securities amortization, net</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,032,640</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">990,720</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Loans originated for sale</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1,221,543</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1,844,900</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Proceeds from sales of loans</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,294,750</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,263,601</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Gain on sale of loans</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(43,807</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(76,901</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Gain on real estate owned</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(69,880</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(50,104</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Accretion of deferred loan fees</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(44,297</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(51,380</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net realized gains on available-for-sale securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(312,457</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(102,507</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Increase in cash surrender value of life insurance</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(199,470</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(208,397</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Change in</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest receivable</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">435,618</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">330,559</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest payable</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,159</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,448</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other adjustments</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1,067,377</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(354,537</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:7.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net cash provided by operating activities</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,639,607</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,852,695</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Investing Activities</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net change in interest-bearing time deposits</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,701,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1,715,000</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Purchases of securities available for sale</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(22,703,514</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(11,455,188</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Purchase of securities held to maturity</P></TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(10,269,047</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Proceeds from maturities, call and paydowns of securities available for sale</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,079,422</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17,225,243</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Proceeds from maturities, call and paydowns of securities held to maturity</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">897,904</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">508,817</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Proceeds from sales of securities available for sale</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,763,527</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,687,507</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net change in loans</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">950,801</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(6,582,992</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Purchases of premises and equipment</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(75,631</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(818,634</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Proceeds from repurchase of FHLB stock</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">621,200</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Proceeds from sale of foreclosed real estate</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">423,476</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">189,629</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:7.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net cash provided by (used in) investing activities</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">658,185</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(11,229,665</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Financing Activities</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net change in</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">NOW and savings deposits</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9,514,744</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,873,435</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Certificates of deposit</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(5,143,107</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(3,791,651</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Short -term borrowings</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(464,700</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(344,551</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Proceeds from Federal Home Loan Bank advances</P></TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16,000,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Repayment of Federal Home Loan Bank advances</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(719,758</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(4,724,444</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cash dividends</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(924,743</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(924,743</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Repurchase of common stock</P></TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(12,522</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:7.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net provided by financing activities</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,262,436</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15,075,524</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Net Change in Cash and Cash Equivalents</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,560,228</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,698,554</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Cash and Cash Equivalents, Beginning of Year</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17,658,180</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,197,988</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Cash and Cash Equivalents, End of Year</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">22,218,408</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">12,896,542</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Additional Cash Flows Information</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest paid</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,482,364</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,523,181</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Income tax paid (refund)</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(7,528</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Transfer to other real estate from loans</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">108,221</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">362,695</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
</TABLE>
 <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>See Notes to Consolidated Financial Statements </I></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-44 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Peoples Bancorp </B></P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="fin915197_13"></A>Notes to Consolidated Condensed Financial Statements </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>March&nbsp;31, 2015 and 2014 </B></P>
 <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Note 1: Basis of Presentation </B></P>
 <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">The accounting policies followed in the preparation of the interim consolidated condensed financial statements included in
this joint proxy statement/prospectus are consistent with those used in the preparation of annual consolidated financial statements. The interim consolidated condensed financial statements reflect all normal and recurring adjustments, which are
necessary, in the opinion of management of Peoples Bancorp (the &#147;Company&#148;), for a fair statement of results for the interim periods presented. Results for the six months ended March&nbsp;31, 2015 are not necessarily indicative of the
results that may be expected for the year ending September&nbsp;30, 2015 or any other period. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">The accompanying unaudited consolidated
financial statements have been prepared in accordance with accounting principles generally accepted in the United States of America for the interim financial period and with the instructions generally applicable to a quarterly report on Form 10-Q.
Accordingly, they do not include all of the information and footnotes required by generally accepted accounting principles for complete financial statements. These consolidated condensed financial statements should be read in conjunction with the
audited consolidated financial statements and notes for the year ended September&nbsp;30, 2014 included in this joint proxy statement/prospectus, beginning at page F-1. The consolidated condensed balance sheet of the Company as of September&nbsp;30,
2014 has been derived from the audited consolidated balance sheet as of that date. </P>
 <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Note 2: Earnings Per Share </B></P>
 <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">For the three-month and six-month periods ending March&nbsp;31, 2015 and 2014, no options to purchase shares of common stock
were outstanding. Earnings per share were computed as follows: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="76%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="74%"></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom"><B>(Unaudited)</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"><B>Three Months</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"><B>Ended March&nbsp;31,</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Basic and Diluted Earnings Per Share</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net income available to common stockholders</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">656,578</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">745,652</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Average common shares outstanding for basic and dilutive earnings per share</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,311,858</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,313,788</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Basic and diluted earnings per share</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.28</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.32</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-45 </P>


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


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="76%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="74%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom"><B>(Unaudited)</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"><B>Six Months</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"><B>Ended March&nbsp;31,</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Basic and Diluted Earnings Per Share</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net income available to common stockholders</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,474,641</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,505,664</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Average common shares outstanding for basic and dilutive earnings per share</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,311,858</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,313,912</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Basic and diluted earnings per share</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.64</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.65</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
</TABLE>
 <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Note 3: Investment Securities </B></P>
 <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="92%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="54%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom"><B>(Unaudited)</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center"><B>March&nbsp;31, 2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Gross</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Gross</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Amortized</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Unrealized</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Unrealized</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Fair</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Cost</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Gains</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Losses</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Value</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Available for sale</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Federal agencies</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">30,236,507</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">143,027</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">35,200</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">30,344,334</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">State and municipal obligations</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">54,497,802</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,173,404</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">26,310</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">57,644,896</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SBA Pools</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,746,659</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">65,944</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,812,603</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other asset backed securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,997,185</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,021</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,992,164</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Mortgage-backed securities -</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Government-sponsored entities (GSE) -residential</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">81,911,316</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,055,342</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">356,479</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">82,610,179</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:7.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total available for sale</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">171,389,469</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,437,717</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">423,010</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">175,404,176</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Held to maturity</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">State and municipal obligations</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,038,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,038,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Mortgage-backed securities -</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Government-sponsored entities (GSE) -residential</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,001,346</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">62,646</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,805</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,057,187</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:7.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total held to maturity</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,039,346</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">62,646</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,805</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,095,187</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:7.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total investment securities</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">181,428,815</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">4,500,363</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">429,815</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">185,499,363</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-46 </P>


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


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="92%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="52%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center"><B>September&nbsp;30, 2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Gross</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Gross</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Amortized</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Unrealized</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Unrealized</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Fair</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Cost</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Gains</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Losses</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Value</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Available for sale</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Federal agencies</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">19,758,680</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,797</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">201,380</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">19,561,097</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">State and municipal obligations</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">57,466,694</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,892,195</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">186,269</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">60,172,620</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SBA Pools</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,796,373</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,899</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9,983</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,789,289</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other asset backed securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,025,224</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,424</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,018,800</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Mortgage-backed securities -</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Government-sponsored entities (GSE) -residential</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">85,155,037</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">916,294</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">848,417</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">85,222,914</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:7.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total available for sale</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">167,202,008</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,815,185</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,252,473</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">169,764,720</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Held to maturity</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">State and municipal obligations</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,160,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,160,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Mortgage-backed securities -</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Government-sponsored entities (GSE) -residential</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,824,331</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,845</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">40,400</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,791,776</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:7.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total held to maturity</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,984,331</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,845</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">40,400</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,951,776</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:7.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total investment securities</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">178,186,339</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,823,030</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,292,873</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">180,716,496</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">The amortized cost and fair value of securities at March&nbsp;31, 2015, by contractual maturity, are shown
below. Expected maturities will differ from contractual maturities because issuers may have the right to call or prepay obligations with or without call or prepayment penalties. </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="92%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="50%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom"><B>(Unaudited)</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center"><B>March&nbsp;31, 2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"><B>Available for Sale</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"><B>Held to Maturity</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Amortized</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Fair</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Amortized</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Fair</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE="border-bottom:1.00pt solid #000000; width:77.85pt; font-size:8pt; font-family:Times New Roman"><B>Maturity Distributions</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Cost</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Value</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Cost</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Value</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Within one year</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">340,785</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">341,352</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">750,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">750,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">One to five years</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">27,714,374</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">28,004,102</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,288,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,288,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Five to ten years</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">33,771,605</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">35,423,265</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">After ten years</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">22,907,545</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">24,220,511</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">84,734,309</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">87,989,230</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,038,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,038,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SBA Pools</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,746,659</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,812,603</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other asset backed securities</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,997,185</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,992,164</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Mortgage-backed securities -</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">GSE residential</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">81,911,316</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">82,610,179</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,001,346</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,057,187</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">171,389,469</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">175,404,176</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">10,039,346</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">10,095,187</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-47 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Securities with a carrying value of $2,483,000 and $2,426,000 were pledged at March&nbsp;31, 2015
and September&nbsp;30, 2014 to secure repurchase agreements. Securities with a carrying value of $9,048,000 and $9,121,000 were pledged at March&nbsp;31, 2015 and September&nbsp;30, 2014 to secure certain deposits. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Proceeds from sales of securities available for sale during the six months ended March&nbsp;31, 2015 and 2014 were approximately $5,764,000 and
$1,688,000, respectively. Gross gains of approximately $312,000 and $103,000 were realized on investment transactions for the six months ended March&nbsp;31, 2015 and 2014, respectively. Gross losses of $0 were realized on investment transactions
for the six months ended March&nbsp;31, 2015 and 2014, respectively. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Certain investments in debt securities are reported in the
consolidated financial statements at an amount less than their historical cost. Total fair value of these investments at March&nbsp;31, 2015 and September&nbsp;30, 2014 was approximately $38,715,000 and $75,400,000, which is approximately 21% and
42% of the Company&#146;s available-for-sale and held-to-maturity investment portfolio. These declines primarily resulted from fluctuations in market interest rates after the purchase. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Based on evaluation of available evidence, including recent changes in market interest rates, credit rating information and information
obtained from regulatory filings, management believes the declines in fair value for these securities are temporary. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Should the impairment
of any of these securities become other than temporary, the cost basis of the investment will be reduced and the resulting loss recognized in either net income or accumulated other comprehensive loss in the period the other-than-temporary impairment
is identified. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">The following table shows our investments&#146; gross unrealized losses and fair value, aggregated by investment category
and length of time that individual securities have been in a continuous unrealized loss position at March&nbsp;31, 2015: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="48%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="22" ALIGN="center"><B>(Unaudited)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"><B>Less&nbsp;Than&nbsp;12&nbsp;Months</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"><B>12 Months or More</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"><B>Tot al</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom"><B>Description of</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Fair</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Unrealized</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Fair</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Unrealized</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Fair</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Unrealized</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP><B><U>Securities&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Value</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Losses</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Value</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Losses</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Value</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Losses</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Available for sale</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Federal agencies</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">6,464,800</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">35,200</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">6,464,800</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">35,200</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">State and municipal obligations</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1,608,276</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">26,310</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1,608,276</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">26,310</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other asset backed securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1,992,164</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">5,021</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1,992,164</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">5,021</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Mortgage-backed securities -</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">GS E residential</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">6,262,847</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">33,057</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">20,314,790</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">323,422</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">26,577,637</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">356,479</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:7.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total available for sale</P></TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">6,262,847</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">33,057</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">30,380,030</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">389,953</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">36,642,877</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">423,010</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Held to maturity</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Mortgage-backed securities -</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">GS E residential</P></TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">2,072,326</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">6,805</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">2,072,326</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">6,805</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:7.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total temporarily impaired securities</P></TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">6,262,847</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">33,057</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">32,452,356</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">396,758</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">38,715,203</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">429,815</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-48 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The following table shows our investments&#146; gross unrealized losses and fair value, aggregated by investment
category and length of time that individual securities have been in a continuous unrealized loss position at September&nbsp;30, 2014: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="44%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"><B>Less Than 12 Months</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"><B>12 Months or More</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"><B>Total</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom"><B>Description of</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Fair</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Unrealized</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Fair</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Unrealized</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Fair</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Unrealized</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE="border-bottom:1.00pt solid #000000; width:33.25pt; font-size:8pt; font-family:Times New Roman"><B>Securities</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Value</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Losses</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Value</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Losses</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Value</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Losses</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Available for sale</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Federal agencies</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">7,101,020</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">8,028</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">9,806,750</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">193,352</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">16,907,770</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">201,380</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">State and municipal obligations</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,592,716</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,212</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,305,786</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">178,057</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,898,502</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">186,269</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SBA Pools</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,000,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9,983</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,000,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9,983</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other asset backed securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,018,800</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,424</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,018,800</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,424</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Mortgage-backed securities -</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">GSE residential</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16,961,754</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">62,947</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">23,889,458</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">785,470</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">40,851,212</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">848,417</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:7.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total available for sale</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">28,655,490</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">89,170</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">42,020,794</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,163,303</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">70,676,284</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,252,473</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Held to maturity</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Mortgage-backed securities -</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">GSE residential</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,723,234</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">40,400</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,723,234</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">40,400</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:9.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total temporarily impaired securities</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">33,378,724</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">129,570</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">42,020,794</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,163,303</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">75,399,518</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,292,873</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:18pt; margin-bottom:0pt; margin-left:2%; font-size:10pt; font-family:Times New Roman"><B><I>Federal Agencies, SBA Pools, Other Asset-Backed Securities, and Mortgage-Backed Securities - GSE
Residential </I></B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">The unrealized losses on the Company&#146;s investment in federal agencies, SBA pools, other asset- backed securities,
and mortgage-backed securities were caused by changes in market interest rates. The Company expects to recover the amortized cost basis over the term of the securities. Because the decline in market value is attributable to changes in interest rates
and not credit quality, and because the Company does not intend to sell the investments and it is not more likely than not the Company will be required to sell the investments before recovery of their amortized cost basis, which may be maturity, the
Company does not consider those investments to be other-than- temporarily impaired at March&nbsp;31, 2015. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; margin-left:2%; font-size:10pt; font-family:Times New Roman"><B><I>State and Municipal
Obligations </I></B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">The unrealized losses on the Company&#146;s investments in securities of state and municipal obligations were caused
by interest rate changes. The contractual terms of those investments do not permit the issuer to settle the securities at a price less than the amortized cost bases of the investments. Because the Company does not intend to sell the investments and
it is not more likely than not the Company will be required to sell the investments before recovery of their amortized cost bases, which may be maturity, the Company does not consider those investments to be other- than-temporarily impaired at
March&nbsp;31, 2015. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-49 </P>


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


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Note 4: Loans and Allowance </B></P>
 <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="76%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="68%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>March&nbsp;31,</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>September&nbsp;30,</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center">(Unaudited)</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Residential real estate loans</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">140,858,304</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">142,280,336</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commercial real estate loans</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">46,212,114</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">42,375,040</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commercial loans</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">22,515,128</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">26,694,117</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Home equity/improvement loans</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17,589,980</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17,159,538</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Consumer loans</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,229,155</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,110,628</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">230,404,681</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">231,619,659</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Less :</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Undisbursed portion of loans</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">170,722</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">254,186</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Deferred loan fees and dis counts</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">474,924</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">485,075</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Allowance for loan losses</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,942,782</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,980,170</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,588,428</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,719,431</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total loans</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">227,816,253</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">228,900,228</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">The risk characteristics of each loan portfolio segment are as follows: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:8%; font-size:10pt; font-family:Times New Roman">Commercial loans are primarily based on the identified cash flows of the borrower and secondarily on the underlying collateral provided by the
borrower. The cash flows of borrowers, however, may not be as expected and the collateral securing these loans may fluctuate in value. Most commercial loans are secured by the assets being financed or other business assets, such as accounts
receivable or inventory, and may include a personal guarantee. Short-term loans may be made on an unsecured basis. In the case of loans secured by accounts receivable, the availability of funds for the repayment of these loans may be substantially
dependent on the ability of the borrower to collect amounts due from its customers. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:8%; font-size:10pt; font-family:Times New Roman">Commercial real estate loans are viewed primarily as
cash flow loans and secondarily as loans secured by real estate. Commercial real estate lending typically involves higher loan principal amounts and the repayment of these loans is generally dependent on the successful operation of the property
securing the loan or the business conducted on the property securing the loan. Commercial real estate loans may be more adversely affected by conditions in the real estate markets or in the general economy. The characteristics of properties securing
the Company&#146;s commercial real estate portfolio are diverse, but with geographic locations almost entirely in the Company&#146;s market area. Management monitors and evaluates commercial real estate loans based on collateral, geography and risk
grade criteria. In general, the Company avoids financing single purpose projects unless other underwriting factors are present to help mitigate risk. In addition, management tracks the level of owner-occupied commercial real estate versus
nonowner-occupied loans. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-50 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:8%; font-size:10pt; font-family:Times New Roman">Residential real estate, home equity/improvement and consumer loans consist of two
segments&#151;residential mortgage loans and personal loans. For residential mortgage loans that are secured by 1-4 family residences and are generally owner-occupied, the Company generally establishes a maximum loan-to-value ratio and requires
private mortgage insurance if that ratio is exceeded. Home equity loans are typically secured by a subordinate interest in 1-4 family residences, and consumer personal loans are secured by consumer personal assets, such as automobiles or
recreational vehicles. Some consumer personal loans are unsecured, such as small installment loans and certain lines of credit. Repayment of these loans is primarily dependent on the personal income of the borrowers, which can be impacted by
economic conditions in their market areas, such as unemployment levels. Repayment can also be impacted by changes in property values on residential properties. Risk is mitigated by the fact that the loans are of smaller individual amounts and spread
over a large number of borrowers. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Activity in the allowance for loan losses is as follows: </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="51%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="22" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Three Months Ended March&nbsp;31, 2015 (Unaudited)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Residential</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Commercial</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Home&nbsp;Equity/</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Real&nbsp;Estate</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Real Estate</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Commercial</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Improvement</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Consumer</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Total</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Beginning Balance</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,340,050</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">281,655</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">164,734</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">136,730</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">31,197</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,954,366</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Provision (credit)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(331</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">26,937</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(2,479</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,632</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,741</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">34,500</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Loans charged-off</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(39,956</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(10,431</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(50,387</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Recoveries</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,289</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,014</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,303</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Ending Balance</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,301,052</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">308,592</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">162,255</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">142,362</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">28,521</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,942,782</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="51%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="22" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Six Months Ended March&nbsp;31, 2015 (Unaudited)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Residential</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Commercial</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Home&nbsp;Equity/</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Real&nbsp;Estate</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Real Estate</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Commercial</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Improvement</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Consumer</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Total</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Beginning Balance</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,405,602</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">258,325</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">159,578</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">128,481</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">28,184</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,980,170</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Provision (credit)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(35,912</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">71,267</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,677</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">27,881</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,337</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">69,250</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Loans charged-off</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(70,638</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(21,000</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(14,000</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(5,000</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(110,638</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Recoveries</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Ending Balance</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,301,052</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">308,592</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">162,255</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">142,362</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">28,521</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,942,782</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="51%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="22" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Three Months Ended March&nbsp;31, 2014 (Unaudited)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Residential</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Commercial</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Home&nbsp;Equity/</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Real Estate</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Real Estate</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Commercial</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Improvement</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Consumer</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Total</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Beginning Balance</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,587,063</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">299,797</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">136,759</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">178,878</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">29,674</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,232,171</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Provision (credit)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">162,091</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(59,610</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21,958</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,706</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">855</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">133,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Loans charged-off</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(339,981</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(61,052</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(6,338</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(407,371</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Recoveries</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,500</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,500</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Ending Balance</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,409,173</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">240,187</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">158,717</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">125,532</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">27,691</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,961,300</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-51 </P>


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


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="51%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="22" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Six Months Ended March&nbsp;31, 2014 (Unaudited)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Residential</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Commercial</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Home&nbsp;Equity/</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Real Estate</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Real Estate</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Commercial</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Improvement</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Consumer</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Total</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Beginning Balance</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,525,995</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">361,419</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">188,637</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">196,247</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">30,526</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,302,824</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Provision (credit)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">332,709</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(121,232</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(29,920</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(9,663</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,606</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">177,500</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Loans charged-off</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(449,531</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(61,052</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(14,517</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(525,100</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Recoveries</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,076</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,076</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Ending Balance</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,409,173</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">240,187</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">158,717</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">125,532</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">27,691</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,961,300</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">The following tables present the balance in the allowance for loan losses and the recorded investment in loans
based on the portfolio segment and impairment method as of March&nbsp;31, 2015 and September&nbsp;30, 2014: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="39%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="22" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>March 31, 2015 (Unaudited)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Residential</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Commercial</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Home&nbsp;Equity/</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Real Estate</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Real Estate</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Commercial</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Improvement</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Consumer</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Total</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Allowance Balances:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Individually evaluated for impairment</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Collectively evaluated for impairment</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,301,052</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">308,592</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">162,255</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">142,362</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">28,521</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,942,782</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total allowance for loan losses</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,301,052</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">308,592</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">162,255</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">142,362</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">28,521</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,942,782</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Loan Balances:</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Individually evaluated for impairment</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,426,969</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">631,153</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">788,949</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">185,852</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">8,419</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">4,041,342</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Collectively evaluated for impairment</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">138,431,335</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">45,580,961</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21,726,179</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17,404,128</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,220,736</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">226,363,339</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total loan balances</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">140,858,304</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">46,212,114</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">22,515,128</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">17,589,980</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,229,155</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">230,404,681</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="39%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="22" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>September&nbsp;30, 2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Residential</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Commercial</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Home&nbsp;Equity/</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Real Estate</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Real Estate</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Commercial</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Improvement</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Consumer</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Total</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Allowance Balances:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Individually evaluated for impairment</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Collectively evaluated for impairment</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,405,602</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">258,325</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">159,578</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">128,481</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">28,184</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,980,170</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total allowance for loan losses</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,405,602</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">258,325</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">159,578</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">128,481</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">28,184</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,980,170</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Loan Balances:</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Individually evaluated for impairment</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,426,969</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">631,153</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">788,949</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">185,852</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">8,419</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">4,041,342</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Collectively evaluated for impairment</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">139,853,367</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">41,743,887</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">25,905,168</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16,973,686</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,102,209</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">227,578,317</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total loan balances</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">142,280,336</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">42,375,040</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">26,694,117</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">17,159,538</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,110,628</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">231,619,659</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-52 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Management&#146;s general practice is to proactively charge down loans individually evaluated for
impairment to the fair value of the underlying collateral. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Consistent with regulatory guidance, charge-offs on all loan segments are taken
when specific loans, or portions thereof, are considered uncollectible. The Company&#146;s policy is to promptly charge these loans off in the period the uncollectible loss is reasonably determined. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">For all loan portfolio segments except 1-4 family residential properties and consumer, the Company promptly charges off loans, or portions
thereof, when available information confirms that specific loans are uncollectible based on information that includes, but is not limited to, (1)&nbsp;the deteriorating financial condition of the borrower, (2)&nbsp;declining collateral values,
and/or (3)&nbsp;legal action, including bankruptcy, that impairs the borrower&#146;s ability to adequately meet its obligations. For impaired loans that are considered to be solely collateral dependent, a partial charge-off is recorded when a loss
has been confirmed by an updated appraisal or other appropriate valuation of the collateral. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">The Company charges off 1-4 family
residential and consumer loans, or portions thereof, when the Company reasonably determines the amount of the loss. The Company adheres to timeframes established by applicable regulatory guidance, which provides for the charge-down of 1-4 family
first and junior lien mortgages to the net realizable value, less costs to sell when the loan is 180 days past due, charge-off of unsecured open-end loans when the loan is 180 days past due, and charge-down to the net realizable value when other
secured loans are 120 days past due. Loans at these respective delinquency thresholds for which the Company can clearly document that the loan is both well-secured and in the process of collection, such that collection will occur regardless of
delinquency status, need not be charged off. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">The historical loss experience is determined by portfolio segment and is based on the actual
loss history experienced by the Company over the prior three years. Management believes the historical loss experience methodology is appropriate in the current economic environment, as it captures loss rates that are comparable to the current
period being analyzed. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">The following tables present the credit risk profile of the Company&#146;s loan portfolio based on rating category
and payment activity as of March&nbsp;31, 2015 and September&nbsp;30, 2014: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="39%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="22" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>March&nbsp;31, 2015 (Unaudited)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Residential</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Commercial</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Home&nbsp;Equity/</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Real Estate</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Real Estate</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Commercial</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Improvement</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Consumer</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Total</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Grade:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Pass (1-4)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">138,916,110</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">45,985,589</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">21,782,946</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">17,463,043</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,228,934</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">227,376,622</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Special Mention (5)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">502,550</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">139,187</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">512,425</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">58,386</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,212,548</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Substandard (6)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,439,644</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">87,338</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">219,757</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">68,551</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">221</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,815,511</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Doubtful (7)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Loss (8)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">140,858,304</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">46,212,114</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">22,515,128</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">17,589,980</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,229,155</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">230,404,681</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-53 </P>


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


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="39%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="22" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>September&nbsp;30, 2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Residential</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Commercial</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Home&nbsp;Equity/</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Real Estate</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Real Estate</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Commercial</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Improvement</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Consumer</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Total</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Grade:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Pass (1-4)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">140,422,184</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">42,028,932</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">25,905,167</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">17,005,369</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,102,209</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">228,463,861</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Special Mention (5)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">398,798</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">242,304</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">671,666</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">61,757</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,824</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,382,349</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Substandard (6)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,459,354</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">103,804</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">117,284</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">92,412</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">595</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,773,449</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Doubtful (7)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Loss (8)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">142,280,336</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">42,375,040</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">26,694,117</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">17,159,538</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,110,628</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">231,619,659</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Internal Risk Categories </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Loan grades are numbered 1 through 8. Grades 1 through 4 are considered satisfactory grades. The grade of 5, or Watch or Special Mention,
represents loans of lower quality and is considered criticized. The grades of 6, or Substandard, and 7, or Doubtful, refer to assets that are classified. The use and application of these grades by the Company will be uniform and shall conform to the
Company&#146;s policy. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B>Prime (1)</B>&nbsp;Loans are of superior quality with excellent credit strength and repayment ability providing
a nominal credit risk. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B>Good (2)</B>&nbsp;Loans are of above average credit strength and repayment ability providing only a minimal
credit risk. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B>Satisfactory (3)</B>&nbsp;Loans of reasonable credit strength and repayment ability providing an average credit risk due
to one or more underlying weaknesses. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B>Acceptable (4)</B>&nbsp;Loans of the lowest acceptable credit strength and weakened repayment
ability providing a cautionary credit risk due to one or more underlying weaknesses. New borrowers are typically not underwritten within this classification. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B>Special Mention (5)</B>&nbsp;A special mention asset has potential weaknesses that deserve management&#146;s close attention. If left
uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the asset or in the institution&#146;s credit position at some future date. Special mention assets are not adversely classified and do not expose an
institution to sufficient risk to warrant adverse classification. Ordinarily, special mention credits have characteristics which corrective management action would remedy. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B>Substandard (6)</B>&nbsp;Loans are inadequately protected by the current sound worth and paying capacity of the obligor or of the collateral
pledged, if any. Loans so classified must have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the Company will sustain some loss if the deficiencies are not
corrected. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B>Doubtful (7)</B>&nbsp;Loans classified as doubtful have all the weaknesses inherent in those classified Substandard with the
added characteristic that the weaknesses make collection or liquidation in full, on the basis of current known facts, conditions and values, highly questionable and improbable. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B>Loss (8)</B>&nbsp;Loans classified as loss are considered uncollectible and of such little value that their continuance as bankable assets
is not warranted. This classification does not mean that the loan has absolutely no recovery or salvage value, but rather it is not practical or desirable to defer writing off even though partial recovery may be affected in the future. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-54 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">The following tables present the Company&#146;s loan portfolio aging analysis as of
March&nbsp;31, 2015 and September&nbsp;30, 2014: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="44%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="26" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>March&nbsp;31, 2015 (Unaudited)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Greater</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Loans&nbsp;&gt;&nbsp;90</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>30-59</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>60-89</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Than</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Total</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Total</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Days and</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Past Due</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Past&nbsp;Due</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>90 Days</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Past Due</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Current</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Loans</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Accruing</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Residential real estate</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">153,858</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">375,317</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">529,175</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">140,329,129</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">140,858,304</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commercial real estate</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">46,212,114</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">46,212,114</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commercial</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">308,851</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">308,851</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">22,206,277</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">22,515,128</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Home equity/improvement</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13,308</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,184</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">34,604</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">49,096</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17,540,884</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17,589,980</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Consumer</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">221</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">221</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,228,934</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,229,155</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total loans</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">476,017</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,405</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">409,921</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">887,343</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">229,517,338</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">230,404,681</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="46%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="26" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>September&nbsp;30, 2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Greater</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Loans&nbsp;&gt;&nbsp;90</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>30-59</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>60-89</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Than</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Total</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Total</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Days and</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Past Due</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Past&nbsp;Due</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>90 Days</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Past Due</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Current</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Loans</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Accruing</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Residential real estate</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">484,469</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">139,735</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">624,204</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">141,656,132</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">142,280,336</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commercial real estate</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">42,375,040</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">42,375,040</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commercial</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,979</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,979</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">26,688,138</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">26,694,117</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Home equity/improvement</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">64,910</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">49,682</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">114,592</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17,044,946</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17,159,538</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Consumer</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,080</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,080</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,107,548</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,110,628</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total loans</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">552,459</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">195,396</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">747,855</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">230,871,804</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">231,619,659</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">The entire balance of a loan is considered delinquent if the minimum payment contractually required to be made
is not received by the specified due date. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">The following table presents the Company&#146;s nonaccrual loans at: </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="76%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="74%"></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>March&nbsp;31,</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>September&nbsp;30,</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center">(Unaudited)</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Residential real estate</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">375,317</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">139,735</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commercial</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,979</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Home equity/improvement</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">34,604</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">49,682</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total nonaccrual loans</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">409,921</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">195,396</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-55 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">The following tables present information regarding impaired loans as of: </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="84%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="66%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>March 31, 2015 (Unaudited)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Unpaid</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Recorded</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Principal</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Specific</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Balance</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Balance</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Allowance</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Impaired loans without a specific valuation allowance:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Residential real estate</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,467,842</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,516,343</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commercial real estate</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">635,911</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">635,911</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commercial</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">732,182</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">732,182</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Home equity/improvement</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">169,678</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">197,149</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Consumer</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">221</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">221</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total impaired loans</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">4,005,834</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">4,081,806</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="12"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>September 30, 2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Unpaid</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Recorded</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Principal</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Specific</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Balance</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Balance</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Allowance</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Impaired loans without a specific valuation allowance:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Residential real estate</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,426,969</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,475,469</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commercial real estate</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">631,153</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">631,153</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commercial</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">788,949</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">788,949</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Home equity/improvement</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">185,852</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">213,324</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Consumer</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,419</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8,419</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total impaired loans</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">4,041,342</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">4,117,314</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" ALIGN="center">


<TR>
<TD WIDTH="42%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Three Months Ended March&nbsp;31,</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Six Months Ended March&nbsp;31,</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Average</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Average</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Average</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Average</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Investment&nbsp;in</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Interest</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Investment&nbsp;in</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Interest</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Investment&nbsp;in</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Interest</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Investment&nbsp;in</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Interest</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Impaired</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Income</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Impaired</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Income</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Impaired</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Income</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Impaired</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Income</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Loans</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Recognized</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Loans</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Recognized</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Loans</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Recognized</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Loans</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Recognized</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center">(Unaudited)</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center">(Unaudited)</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center">(Unaudited)</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center">(Unaudited)</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Impaired loans without a specific valuation allowance:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Residential real estate</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,422,387</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">29,579</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,594,338</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">36,086</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,423,914</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">59,157</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,707,280</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">72,172</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commercial real estate</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">622,930</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9,290</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">730,044</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,538</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">625,671</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18,580</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">790,601</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21,075</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Commercial</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">746,023</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,432</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">45,701</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9,072</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">760,332</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20,865</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">45,550</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18,143</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Home equity/improvement</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">175,295</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,117</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">191,889</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,126</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">178,814</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,234</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">188,341</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,253</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Consumer</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">111</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">884</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">74</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,205</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">23</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total impaired loans</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,966,746</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">52,418</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,562,856</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">57,833</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,988,805</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">104,836</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,732,977</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">115,666</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Interest income on loans individually classified as impaired is recognized on a cash basis after all past due
and current principal payments have been made. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Subsequent payments on nonaccrual loans are recorded as a reduction of principal, and
interest income is recorded only after principal recovery is reasonably assured. Nonaccrual loans are returned to accrual status when, in the opinion of management, the financial position of the borrower indicates there is no
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-56 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">
longer any reasonable doubt as to the timely collection of interest or principal. The Company requires a period of satisfactory performance of not less than six months before returning a
nonaccrual loan to accrual status. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">There were no troubled debt restructurings for the three and six month periods ended March&nbsp;31,
2015 and 2014. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">There were no troubled debt restructurings modified in the past 12 months that subsequently defaulted for the three and six
month periods ended March&nbsp;31, 2015 and 2014. </P>
 <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Note 5: Fair Values of Financial Instruments </B></P>
 <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Fair value is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction
between market participants at the measurement date. Fair value measurements must maximize the use of observable inputs and minimize the use of unobservable inputs. There is a hierarchy of three levels of inputs that may be used to measure fair
value: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="96%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="5%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="5%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="88%"></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"><B>Level&nbsp;1</B></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Quoted prices in active markets for identical assets</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"><B>Level 2</B></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Observable inputs other than Level 1 prices, such as quoted prices for similar assets; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data for
substantially the full term of the assets</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"><B>Level 3</B></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Unobservable inputs supported by little or no market activity and are significant to the fair value of the assets</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Following is a description of the valuation methodologies and inputs used for assets measured at fair value on
a nonrecurring basis and recognized in the accompanying consolidated balance sheets, as well as the general classification of such assets pursuant to the valuation hierarchy. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; margin-left:2%; font-size:10pt; font-family:Times New Roman"><B><I>Available-for-Sale Securities </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Where quoted market prices are available in an active market, securities are classified within Level 1 of the valuation hierarchy. If quoted
market prices are not available, then fair values are estimated by using pricing models, quoted prices of securities with similar characteristics or discounted cash flows. Level 2 securities include U.S. Government agency securities, mortgage-
backed securities and CMO&#146;s and obligations of state and municipals. Matrix pricing is a mathematical technique widely used in the banking industry to value investment securities without relying exclusively on quoted prices for specific
investment securities but rather relying on the investment securities&#146; relationship to other benchmark quoted investment securities. In certain cases where Level 1 or Level 2 inputs are not available, securities are classified within Level 3 of
the hierarchy. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-57 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">The following tables present the fair value measurements of assets recognized in the accompanying
consolidated balance sheets measured at fair value on a recurring basis and the level within the fair value hierarchy in which the fair value measurements fall at March&nbsp;31, 2015 and September&nbsp;30, 2014: </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="92%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" ALIGN="center">


<TR>
<TD WIDTH="50%"></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center"><B>March&nbsp;31, 2015 (Unaudited)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Fair Value Measurements Using</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD ROWSPAN="6" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Quoted&nbsp;Prices</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>in Active</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Significant</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Markets for</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Other</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Significant</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Identical</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Observable</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Unobservable</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Fair</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Assets</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Inputs</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Inputs</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Value</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>(Level 1)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>(Level 2)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>(Level 3)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Available for sale</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Federal agencies</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">30,344,334</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">30,344,334</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">State and municipal obligations</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">57,644,896</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">57,644,896</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SBA Pools</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,812,603</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,812,603</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other asset-backed securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,992,164</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,992,164</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Mortgage-backed securities -</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">GSE - residential</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">82,610,179</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">82,610,179</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">175,404,176</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">175,404,176</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="92%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" ALIGN="center">


<TR>
<TD WIDTH="50%"></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center"><B>September&nbsp;30, 2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Fair Value Measurements Using</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD ROWSPAN="6" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Quoted&nbsp;Prices</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>in Active</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Significant</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Markets for</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Other</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Significant</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Identical</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Observable</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Unobservable</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Fair</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Assets</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Inputs</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Inputs</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Value</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>(Level 1)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>(Level 2)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>(Level&nbsp;3)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Available for sale</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Federal agencies</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">19,561,097</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">19,561,097</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">State and municipal obligations</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">60,172,620</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">60,172,620</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SBA Pools</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,789,289</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,789,289</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other asset-backed securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,018,800</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,018,800</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Mortgage-backed securities -</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">GSE - residential</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">85,222,914</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">85,222,914</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">169,764,720</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">169,764,720</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">There were no nonrecurring fair value measurements at March&nbsp;31, 2015 and September&nbsp;30, 2014. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">The following methods and assumptions were used to estimate the fair value of each class of financial instrument: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B>Cash and Cash Equivalents</B> - The fair value of cash and cash equivalents approximates carrying value. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-58 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B>Interest</B>-<B>Bearing Time Deposits</B> - The fair value of interest-bearing time deposits
approximates carrying value. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B>Loans and Loans Held for Sale</B> - For both short-term loans and variable-rate loans that reprice
frequently, and with no significant change in credit risk, fair values are based on carrying values. The fair value for other loans is estimated using discounted cash flow analyses using interest rates currently being offered for loans with similar
terms to borrowers of similar credit quality. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B>Interest Receivable/Payable</B> - The fair values of interest receivable/payable
approximate carrying values. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B>FHLB Stock</B> - Fair value of FHLB stock is based on the price at which it may be resold to the </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">FHLB. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B>Deposits</B> - The fair
values of noninterest-bearing, interest-bearing demand and savings accounts are equal to the amount payable on demand at the balance sheet date. The carrying amounts for variable-rate, fixed-term certificates of deposit approximate their fair values
at the balance sheet date. Fair values for fixed-rate certificates of deposit are estimated using a discounted cash flow calculation that applies interest rates currently being offered on certificates to a schedule of aggregated expected monthly
maturities on such time deposits. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B>Short-Term Borrowings</B> - The fair value of short-term borrowings approximates carrying value. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B>Federal Home Loan Bank Advances</B> - The fair value of these borrowings is estimated using a discounted cash flow calculation, based on
current rates for similar advances. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">The following table presents estimated fair values of the Company&#146;s financial instruments and
their related carrying value at March&nbsp;31, 2015 and September&nbsp;30, 2014. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="92%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="52%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"><B>March&nbsp;31, 2015</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"><B>September&nbsp;30, 2014</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD ROWSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Carrying</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Fair</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Carrying</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Fair</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Amount</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Value</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Amount</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Value</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Assets</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cash and cash equivalents</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">22,218,408</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">22,218,408</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">17,658,180</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">17,658,180</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest-bearing time deposits</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,065,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,065,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,766,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,766,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Investment securities held to maturity</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,039,346</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,095,187</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,984,331</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,951,776</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Loans, including loans held for sale</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">228,031,503</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">228,247,503</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">229,144,878</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">229,144,878</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">FHLB stock</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,506,500</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,506,500</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,127,700</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,127,700</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest receivable</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,068,232</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,068,232</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,510,239</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,510,239</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Liabilities</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Deposits</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">358,291,891</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">359,421,891</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">353,920,254</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">354,807,545</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Short-term borrowings</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">185,679</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">185,679</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">650,379</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">650,379</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Federal Home Loan Bank advances</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">51,497,385</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">52,784,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">52,217,143</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">52,795,143</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest payable</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">75,253</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">75,253</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">74,094</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">74,094</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">F-59 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B><A NAME="tx915197_148"></A>Appendix A </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>A<SMALL>GREEMENT</SMALL> <SMALL>AND</SMALL> P<SMALL>LAN</SMALL> <SMALL>OF</SMALL> M<SMALL>ERGER</SMALL> </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This Agreement and Plan of Merger (this &#147;<B>Agreement</B>&#148;) is dated to be effective as of the 18th day of February, 2015, by and
between Horizon Bancorp, an Indiana corporation (&#147;<B>Horizon</B>&#148;), and Peoples Bancorp, an Indiana corporation (&#147;<B>Peoples</B>&#148;). </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Witnesseth: </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">W<SMALL>HEREAS</SMALL>, Horizon is an Indiana corporation registered as a bank holding company under the federal Bank Holding Company Act of
1956, as amended (the &#147;<B>BHC Act</B>&#148;), with its principal office located in Michigan City, Indiana; and </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">W<SMALL>HEREAS</SMALL>, Peoples is an Indiana corporation registered as a savings and loan holding company under the Home Owners&#146; Loan
Act of 1933, as amended (the &#147;<B>HOLA</B>&#148;), with its principal office located in Auburn, Indiana; and </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">W<SMALL>HEREAS</SMALL>,
Horizon and Peoples seek to affiliate through a corporate reorganization whereby Peoples will merge with and into Horizon, and thereafter or simultaneously therewith, Peoples Federal Savings Bank of DeKalb County, a federally chartered stock savings
bank and <FONT STYLE="white-space:nowrap">wholly-owned</FONT> subsidiary of Peoples (&#147;<B>Peoples Bank</B>&#148;), will be merged with and into Horizon Bank, National Association, a national banking association and wholly-owned subsidiary of
Horizon (&#147;<B>Horizon Bank</B>&#148;); and </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">W<SMALL>HEREAS</SMALL>, the Boards of Directors of each of the parties hereto have
determined that it is in the best interests of their respective corporations and their respective shareholders to consummate the merger provided for herein and have approved this Agreement, authorized its execution and designated this Agreement a
plan of reorganization and a plan of merger; and </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">N<SMALL>OW</SMALL>, T<SMALL>HEREFORE</SMALL>, in consideration of the foregoing
premises, the representations, warranties, covenants and agreements herein contained and other good and valuable consideration, the receipt and sufficiency of which is hereby acknowledged, the parties hereby make this Agreement and prescribe the
terms and conditions of the merger of Peoples with and into Horizon, and the mode of carrying such merger into effect as follows: </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE I. </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>THE MERGER
</B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">1.01 <B>The Merger</B>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) <B>General Description</B>. Upon the terms and subject to the conditions of this Agreement, at the Effective Time (as defined in <U>Article
IX</U> hereof), Peoples shall merge with and into and under the Articles of Incorporation of Horizon (the &#147;<B>Merger</B>&#148;). Horizon shall survive the Merger (sometimes hereinafter referred to as the &#147;<B>Surviving
Corporation</B>&#148;) and shall continue its corporate existence under the laws of the State of Indiana pursuant to the provisions </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-1 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
of and with the effect provided in the Indiana Business Corporation Law (the &#147;<B>IBCL</B>&#148;), as amended. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) <B>Name, Officers and Directors</B>. The name of the Surviving Corporation shall be &#147;Horizon Bancorp.&#148; Its principal office shall
be located at 515 Franklin Street, Michigan City, Indiana 46360. The officers of Horizon serving at the Effective Time shall continue to serve as the officers of the Surviving Corporation, until such time as their successors shall have been duly
elected and have qualified or until their earlier resignation, death or removal from office. The directors of the Surviving Corporation following the Effective Time shall be those individuals serving as directors of Horizon at the Effective Time,
until such time as their successors have been duly elected and have qualified or until their earlier resignation, death, or removal as a director, subject to <U>Section&nbsp;6.09</U> hereof. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) <B>Articles of Incorporation and Bylaws</B>. The Articles of Incorporation and Bylaws of Horizon in existence at the Effective Time shall
remain the Articles of Incorporation and Bylaws of the Surviving Corporation following the Effective Time, until such Articles of Incorporation and Bylaws shall be further amended as provided by applicable law. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) <B>Effect of the Merger</B>. At the Effective Time, the title to all assets, real estate and other property owned by Peoples shall vest in
Surviving Corporation as set forth in Indiana Code Section&nbsp;23-1-40-6, as amended, without reversion or impairment. At the Effective Time, all liabilities of Peoples shall become liabilities of the Surviving Corporation as set forth in Indiana
Code Section&nbsp;23-1-40-6, as amended. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) <B>Integration</B>. At the Effective Time and subject to the terms and conditions of this
Agreement, the parties hereto currently intend to effectuate, or cause to be effectuated, the Merger, pursuant to a Plan of Merger, substantially in the form attached hereto as <U>Exhibit&nbsp;1.01(e)</U>. The parties agree to cooperate and to take
all reasonable actions prior to or following the Effective Time, including executing all requisite documentation, as may be reasonably necessary to effect the Merger in accordance with the terms and conditions hereof. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">1.02 <B>Reservation of Right to Revise Structure</B>. At Horizon&#146;s election, the Merger may alternatively be structured so that
(a)&nbsp;Peoples is merged with and into any other direct or indirect wholly-owned subsidiary of Horizon or (b)&nbsp;any direct or indirect wholly-owned subsidiary of Horizon is merged with and into Peoples; <I>provided, however</I>, that no such
change shall (1)&nbsp;alter or change the amount or kind of the Merger Consideration (as hereinafter defined) or the treatment of the holders of common stock, $1.00 par value per share, of Peoples (the &#147;<B>Peoples Common Stock</B>&#148;),
(2)&nbsp;prevent the parties from obtaining the opinions of counsel referred to in <U>Sections 7.01(h)</U> and <U>7.02(h)</U> or otherwise cause the transaction to fail to qualify for the tax treatment described in <U>Section&nbsp;1.03</U>, or
(3)&nbsp;materially impede or delay consummation of the transactions contemplated by this Agreement. In the event of such an election, the parties agree to execute an appropriate amendment to this Agreement (to the extent such amendment only changes
the method of effecting the business combination and does not substantively affect this Agreement or the rights and obligations of the parties or their respective shareholders) in order to reflect such election. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-2 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">1.03 <B>Tax Free Reorganization</B>. Horizon and Peoples intend for the Merger to qualify as a
reorganization within the meaning of Section&nbsp;368(a) and related sections of the Internal Revenue Code of 1986, as amended (the &#147;<B>Code</B>&#148;), and that this Agreement shall constitute a &#147;plan of reorganization&#148; for purposes
of Sections 354 and 361 of the Code, and agree to cooperate and to take such actions as may be reasonably necessary to assure such result. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">1.04 <B>Absence of Control</B>. Subject to any specific provisions of the Agreement, it is the intent of the parties to this Agreement that
neither Horizon nor Peoples by reason of this Agreement shall be deemed (until consummation of the transactions contemplated here) to control, directly or indirectly, the other party or any of its respective Subsidiaries (as such term is defined
below) and shall not exercise or be deemed to exercise, directly or indirectly, a controlling influence over the management or policies of such other party or any of its respective Subsidiaries. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">1.04 <B>Bank Merger</B>. The parties will cooperate and use reasonable best efforts to effect the merger of Peoples Bank with and into Horizon
Bank (the &#147;<B>Bank Merger</B>&#148;) at the Effective Time of the Merger. At the effective time of the Bank Merger, the separate corporate existence of Peoples Bank will terminate. Horizon Bank will be the surviving bank and will continue its
corporate existence under applicable law. The Articles of Association of Horizon Bank, as then in effect, will be the Articles of Association of the surviving bank, the Bylaws of Horizon Bank, as then in effect, will be the Bylaws of the surviving
bank, and the Board of Directors and officers of Horizon Bank will continue as the Board of Directors and officers of the surviving bank, subject to <U>Section&nbsp;6.09</U> hereof. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">1.06 <B>Dissenters&#146; Rights</B>. Notwithstanding anything to the contrary contained in this Agreement, to the extent appraisal rights are
available to holders of Peoples Common Stock pursuant to the provisions of any applicable Law (as hereinafter defined in <U>Section&nbsp;3.05(a)</U>, including Chapter&nbsp;44 of the IBCL, any shares of Peoples Common Stock held by a Person (as
hereinafter defined in <U>Section&nbsp;2.04(f)</U> who objects to the Merger, whose shares were not voted in favor of the Merger and who complies with and satisfies all of the provisions of the applicable Law concerning the rights of such Person to
dissent from the Merger and to require appraisal of such Person&#146;s shares and who has not withdrawn such objection or waived such rights prior to the Effective Time (collectively with respect to all such Peoples shareholders,
the&nbsp;&#147;<B>Dissenting Shares</B>&#148;), shall not be converted pursuant to <U>Section&nbsp;2.01</U>, but shall become the right to receive such consideration as may be determined to be due the holder of such Dissenting Shares pursuant to
applicable Law; <I>provided, however</I>, that each Dissenting Share held by a Person at the Effective Time who shall, after the Effective Time, withdraw the demand for appraisal or lose the right of appraisal, in either case pursuant to applicable
Law, shall be deemed to have been converted, as of the Effective Time, into the right to receive the consideration as is determined in accordance with <U>Article II</U>. </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE II. </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>MANNER AND
BASIS OF EXCHANGE OF STOCK </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">2.01 <B>Merger Consideration</B>. Subject to the terms and conditions of this Agreement, at the Effective
Time, each share of Peoples Common Stock issued and outstanding immediately </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-3 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
prior to the Effective Time (other than Dissenting Shares, shares held as treasury stock of Peoples and shares held directly or indirectly by Horizon, except shares held in a fiduciary capacity
or in satisfaction of a debt previously contracted, if any) shall become and be converted into the right to receive in accordance with this Article (collectively, the &#147;<B>Merger Consideration</B>&#148;): (i)&nbsp;0.95 shares of Horizon common
stock (the &#147;<B>Exchange Ratio</B>&#148;) (as adjusted in accordance with the terms of this Agreement), without par value (the &#147;Horizon Common Stock&#148;), and (ii)&nbsp;$9.75 in cash (the&nbsp;aggregate cash consideration to be paid in
the Merger is referred to herein as the &#147;<B>Cash Consideration</B>&#148;); <I>provided, however</I>, the Peoples stockholders owning less than 100 shares of Peoples Common Stock as of the Effective Time will only be entitled to receive $33.14
per share in cash and will not be entitled to receive any Horizon Common Stock. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">2.02 <B>Anti-Dilution Adjustments</B>. If Horizon changes
(or establishes a record date for changing) the number of shares of Horizon Common Stock issued and outstanding prior to the Effective Time by way of a stock split, stock dividend, or similar transaction with respect to the outstanding Horizon
Common Stock, and the record date therefor shall be prior to the Effective Time, the Exchange Ratio shall be adjusted so the shareholders of Peoples at the Effective Time shall receive, in the aggregate, such number of shares of Horizon Common Stock
representing the same percentage of the outstanding shares of Horizon Common Stock as would have been represented by the number of shares of Horizon Common Stock the shareholders of Peoples would have received if any of the foregoing actions had not
occurred. No adjustment shall be made under this <U>Section&nbsp;2.02</U> solely as a result of Horizon changing its cash dividend levels or issuing additional shares of Horizon Common Stock provided it receives value for such shares or such shares
are issued in connection with a Horizon employee benefit plan or similar plan. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">2.03 <B>Fractional Shares</B>. Notwithstanding any other
provision in this Agreement, no fractional shares of Horizon Common Stock and no certificates or scrip therefor, or other evidence of ownership thereof, will be issued in the Merger; instead, Horizon shall pay to each holder of Peoples Common Stock
who otherwise would be entitled to a fractional share of Horizon Common Stock an amount in cash (without interest) determined by multiplying such fraction by the average of the daily closing sales prices of a share of Horizon&#146;s common stock,
rounded to the nearest cent, during the fifteen (15)&nbsp;consecutive trading days immediately preceding the second business day prior to the Closing Date; <I>provided, however</I>, that closing sales prices shall only be used for days during which
such shares are actually traded on the NASDAQ Global Market. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">2.04 <B>Exchange Procedures</B>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) At and after the Effective Time, each certificate representing outstanding shares of Peoples Common Stock (other than Dissenting Shares)
shall represent only the right to receive the Merger Consideration in accordance with the terms of this Agreement. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) At or prior to the
Effective Time, Horizon shall reserve a sufficient number of shares of Horizon Common Stock to be issued as part of the Merger Consideration. As promptly as practicable after the Effective Time, but in no event more than five (5)&nbsp;business days
thereafter, Horizon shall mail to each holder of Peoples Common Stock a letter of transmittal providing instructions as to the transmittal to Horizon of certificates representing shares of </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-4 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
Peoples Common Stock and the issuance of shares of Horizon Common Stock in exchange therefor pursuant to the terms of this Agreement. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) Horizon shall cause a certificate representing that number of whole shares of Horizon Common Stock that each holder of Peoples Common Stock
has the right to receive pursuant to <U>Section&nbsp;2.01</U> and a check in the amount of such holder&#146;s proportionate share of the Cash Consideration and any cash in lieu of fractional shares or dividends or distributions which such holder
shall be entitled to receive, if any, to be delivered to such shareholder upon delivery to Horizon of certificates representing such shares of Peoples Common Stock (&#147;<B>Old Certificates</B>&#148;) (or bond or other indemnity satisfactory to
Horizon if any of such certificates are lost, stolen or destroyed) owned by such shareholder accompanied by a properly completed and executed letter of transmittal, in the form and substance satisfactory to Horizon. No interest will be paid on any
Merger Consideration that any such holder shall be entitled to receive pursuant to this <U>Article II</U> upon such delivery. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) No
dividends or other distributions on Horizon Common Stock with a record date occurring after the Effective Time shall be paid to the holder of any unsurrendered Old Certificate representing shares of Peoples Common Stock converted in the Merger into
the right to receive shares of Horizon Common Stock until the holder thereof surrenders such Old Certificates in accordance with this <U>Section&nbsp;2.04</U>. After becoming so entitled in accordance with this <U>Section&nbsp;2.04</U>, the record
holder thereof also shall be entitled to receive any such dividends or other distributions, without any interest thereon, which theretofore had become payable with respect to shares of Horizon Common Stock such holder had the right to receive upon
surrender of the Old Certificate. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) The stock transfer books of Peoples shall be closed immediately upon the Effective Time and from and
after the Effective Time there shall be no transfers on the stock transfer records of Peoples of any shares of Peoples Common Stock. If, after the Effective Time, Old Certificates are presented to Horizon, they shall be canceled and exchanged for
the Merger Consideration deliverable in respect thereof pursuant to this Agreement in accordance with the procedures set forth in this <U>Section&nbsp;2.04</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f) Horizon shall be entitled to rely upon Peoples&#146; stock transfer books to establish the identity of those individuals, partnerships,
corporations, trusts, joint ventures, organizations or other entities (each, a &#147;<B>Person</B>&#148;) entitled to receive the Merger Consideration, which books shall be conclusive with respect thereto. In the event of a dispute with respect to
ownership of stock represented by any Old Certificate, Horizon shall be entitled to deposit any Merger Consideration represented thereby in escrow with an independent third party selected by Horizon and thereafter be relieved from any and all
liability with respect to any claims thereto. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(g) If any Old Certificate shall have been lost, stolen, or destroyed, upon the making of an
affidavit of that fact by the Person claiming such Old Certificate to be lost, stolen, or destroyed and, if required by Horizon, the posting by such Person of a bond or other indemnity satisfactory to Horizon as indemnity against any claim that may
be made against it with respect to such Old Certificate, Horizon will issue in exchange for such affidavit of lost, stolen, or destroyed Old Certificate, the Merger Consideration deliverable in respect thereof pursuant to <U>Section&nbsp;2.01</U>
hereof. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-5 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(h) Notwithstanding anything in this Agreement to the contrary, at the Effective Time, all shares
of Peoples Common Stock that are held as treasury stock of Peoples or owned by Horizon (other than shares held in a fiduciary capacity or in satisfaction of a debt previously contracted) shall be cancelled and shall cease to exist, and no stock of
Horizon or other consideration shall be exchanged therefor. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) Notwithstanding the foregoing, no party hereto shall be liable to any
former holder of Peoples Common Stock for any amount properly delivered to a public official pursuant to applicable abandoned property, escheat or similar laws. </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE III. </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>REPRESENTATIONS AND WARRANTIES OF PEOPLES </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">On or prior to the date hereof, Peoples has delivered to Horizon a schedule (the &#147;<B>Peoples Disclosure Schedule</B>&#148;) setting
forth, among other things, items the disclosure of which is necessary or appropriate either in response to an express disclosure requirement contained in a provision hereof or as an exception to one or more representations or warranties contained in
this <U>Article III</U> or to one or more of its covenants contained in <U>Article V</U>. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">For the purpose of this Agreement, and in
relation to Peoples, a &#147;<B>Material Adverse Effect</B>&#148; means any effect that (i)&nbsp;is material and adverse to the results of operations, properties, assets, liabilities, conditions (financial or otherwise), value or business of Peoples
and its Subsidiaries (as such term is defined below) on a consolidated basis, or (ii)&nbsp;would materially impair the ability of Peoples or any of its Subsidiaries to perform its obligations under this Agreement or any related agreement or
otherwise materially threaten or materially impede the consummation of the Merger and the other transactions contemplated by this Agreement; <I>provided, however</I>, that Material Adverse Effect on Peoples shall not be deemed to include the impact
of (a)&nbsp;changes in banking and similar laws of general applicability to banks or their holding companies or interpretations thereof by courts or governmental authorities, (b)&nbsp;changes in GAAP or regulatory accounting requirements applicable
to banks or their holding companies generally, (c)&nbsp;effects of any action or omission taken with the prior written consent of Horizon or at the direction of Horizon, (d)&nbsp;changes resulting from professional expenses (such as legal,
accounting and investment bankers&#146; fees) incurred in connection with this Agreement or the transactions contemplated herein, (e)&nbsp;the impact of the announcement of this Agreement and the transactions contemplated hereby, and compliance with
this Agreement on the business, financial condition or results of operations of Peoples and its Subsidiaries, and (f)&nbsp;the occurrence of any military or terrorist attack within the United States or any of its possessions or offices. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">For the purpose of this Agreement, and in relation to Peoples and its Subsidiaries, &#147;<B>knowledge</B>&#148; means those facts that are
actually known by the executive officers of Peoples and its Subsidiaries. Additionally, for the purpose of this Agreement, and in relation to Peoples, its &#147;<B>Subsidiaries</B>&#148; shall mean any entity which is required to be consolidated
with Peoples for financial reporting purposes pursuant to United States generally accepted accounting principles (&#147;<B>GAAP</B>&#148;). </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-6 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Accordingly, Peoples hereby represents and warrants to Horizon as follows, except as set forth in
its Disclosure Schedule: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">3.01 <B>Organization and Authority</B>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) Peoples is a corporation duly organized and validly existing under the laws of the state of Indiana and is a registered savings and loan
holding company under the HOLA. Peoples has full power and authority (corporate and otherwise) to own and lease its properties as presently owned and leased and to conduct its business in the manner and by the means utilized as of the date hereof.
Peoples has previously provided Horizon with a complete list of its Subsidiaries. Except for Peoples Bank and as provided in the Disclosure Schedule, Peoples owns directly no voting stock or equity securities of any corporation, partnership,
association or other entity. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) Peoples Bank is a federally chartered stock savings bank existing under the laws of the United States.
Peoples Bank has full power and authority (corporate and otherwise) to own and lease its properties as presently owned and leased and to conduct its business in the manner and by the means utilized as of the date hereof. Except as set forth in the
Peoples Disclosure Schedule, no Subsidiary owns voting stock or equity securities of any corporation, partnership, association or other entity. Peoples Financial Services Inc. is a corporation duly organized and validly existing under the laws of
the state of Indiana and has full power and authority (corporate and otherwise) to own and lease its properties as presently owned and leased and to conduct its business in the manner and by the means utilized as of the date hereof. PFDC
Investments, Inc. is a corporation duly organized and validly existing under the laws of the state of Nevada and has full power and authority (corporate and otherwise) to own and lease its properties as presently owned and leased and to conduct its
business in the manner and by the means utilized as of the date hereof. Alpha Financial, Inc. is a corporation duly organized and validly existing under the laws of the state of Michigan and has full power and authority (corporate and otherwise) to
own and lease its properties as presently owned and leased and to conduct its business in the manner and by the means utilized as of the date hereof. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">3.02 <B>Authorization</B>. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a)
Peoples has the requisite corporate power and authority to enter into this Agreement and to perform its obligations hereunder, subject to the fulfillment of the conditions precedent set forth in <U>Sections 7.02 (e)</U>&nbsp;and
<U>(f)</U>&nbsp;hereof. This Agreement and its execution and delivery by Peoples have been duly authorized and approved by the Board of Directors of Peoples and, assuming due execution and delivery by Horizon, constitutes a valid and binding
obligation of Peoples, subject to the terms and conditions hereof, and is enforceable in accordance with its terms, except to the extent limited by general principles of equity and public policy and by bankruptcy, insolvency, fraudulent transfer,
reorganization, liquidation, moratorium, readjustment of debt or other laws of general application relating to or affecting the enforcement of creditors&#146; rights. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) Neither the execution of this Agreement nor consummation of the Merger contemplated hereby: (i)&nbsp;conflicts with or violates the
Articles of Incorporation or Bylaws of Peoples or the charter documents of any of Peoples&#146; Subsidiaries; (ii)&nbsp;conflicts with or violates </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-7 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
any local, state, federal or foreign law, statute, ordinance, rule&nbsp;or regulation (provided that the approvals of or filings with applicable government regulatory agencies or authorities
required for consummation of the Merger are obtained) or any court or administrative judgment, order, injunction, writ or decree; (iii)&nbsp;conflicts with, results in a breach of or constitutes a default under any note, bond, indenture, mortgage,
deed of trust, license, lease, contract, agreement, arrangement, commitment or other instrument to which Peoples or any of its Subsidiaries is a party or by which Peoples or any of its Subsidiaries is subject or bound; (iv)&nbsp;results in the
creation of or gives any Person the right to create any lien, charge, claim, encumbrance or security interest, or results in the creation of any other rights or claims of any other party (other than Horizon) or any other adverse interest, upon any
right, property or asset of Peoples or any of its Subsidiaries; or (v)&nbsp;terminates or gives any Person the right to terminate, accelerate, amend, modify or refuse to perform under any note, bond, indenture, mortgage, agreement, contract, lease,
license, arrangement, deed of trust, commitment or other instrument to which Peoples or any of its Subsidiaries is bound or with respect to which Peoples or any of its Subsidiaries is to perform any duties or obligations or receive any rights or
benefits. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) Other than in connection or in compliance with the provisions of the applicable federal and state banking, securities,
antitrust and corporation statutes, all as amended, and the rules&nbsp;and regulations promulgated thereunder, no notice to, filing with, exemption by or consent, authorization or approval of any governmental agency or body is necessary for
consummation of the Merger by Peoples. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">3.03 <B>Capitalization</B>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) As of the date of this Agreement, the authorized capital stock of Peoples consists of (i)&nbsp;7,000,000 shares of Peoples Common Stock,
2,311,858 shares of which are issued and outstanding, (ii)&nbsp;5,000,000 shares of preferred stock, $1.00 par value per share, of which no shares are outstanding. As of immediately prior to the Effective Time, there shall be 2,311,858 shares of
Peoples Common Stock outstanding. Such issued and outstanding shares of Peoples Common Stock have been duly and validly authorized by all necessary corporate action of Peoples, are validly issued, fully paid and nonassessable and have not been
issued in violation of any pre-emptive rights. Peoples has no capital stock authorized, issued or outstanding other than as described in this <U>Section&nbsp;3.03(a)</U> and has no intention or obligation to authorize or issue any other capital
stock or any additional shares of stock or securities convertible into stock. Each share of Peoples Common Stock is entitled to one vote per share. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) Except as set forth in the Peoples Disclosure Schedule, all of the issued and outstanding shares of capital stock or other equity ownership
interests of each Subsidiary of Peoples are owned by Peoples, directly or indirectly, free and clear of all liens, pledges, charges, claims, encumbrances, restrictions, security interests, options and pre-emptive rights and of all other rights or
claims of any other Person with respect thereto. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) There are no options, warrants, commitments, calls, puts, agreements, understandings,
arrangements or subscription rights relating to any shares of Peoples Common Stock or any shares of capital stock of Peoples&#146; Subsidiaries, or any securities convertible into or representing the right to purchase or otherwise acquire any common
stock or debt securities of Peoples or its Subsidiaries, by which Peoples is or may become bound. Peoples does not have </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-8 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
any outstanding contractual or other obligation to repurchase, redeem or otherwise acquire any of the issued and outstanding shares of Peoples Common Stock. To Peoples&#146; knowledge, there are
no voting trusts, voting arrangements, buy-sell agreements or similar arrangements affecting the capital stock of Peoples or its Subsidiaries. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) Except as set forth in the Peoples Disclosure Schedule, Peoples has no knowledge of any Person which beneficially owns (as defined in Rule
13d-3 under the Securities Exchange Act of 1934 (the &#147;<B>1934 Act</B>&#148;)) 10% or more of the outstanding shares of Peoples Common Stock. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">3.04 <B>Organizational Documents</B>. The Articles of Incorporation and Bylaws of Peoples and any similar governing documents for each of
Peoples&#146; Subsidiaries, representing true, accurate and complete copies of such corporate documents in effect as of the date of this Agreement, are attached to and included in the Peoples Disclosure Schedule. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">3.05 <B>Compliance with Law</B>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) None of Peoples or any of its Subsidiaries is currently in material violation of, and during the preceding five (5)&nbsp;years, none has
been in material violation of, any local, state, federal or foreign law, statute, regulation, rule, ordinance, order, restriction or requirement, and none is in violation of any order, injunction, judgment, writ or decree of any court or government
agency or body (collectively, the &#147;<B>Law</B>&#148;). Peoples and its Subsidiaries possess and hold all licenses, franchises, permits, certificates and other authorizations necessary for the continued conduct of their business without
interference or interruption, except where the failure to possess and hold the same would not have a Material Adverse Effect, and such licenses, franchises, permits, certificates and authorizations are transferable (to the extent required) to
Horizon at the Effective Time without any restrictions or limitations thereon or the need to obtain any consents of government agencies or other third parties other than as set forth in this Agreement. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) The Peoples Disclosure Schedule sets forth, as of the date hereof, a schedule of all officers (vice presidents and higher) and directors of
Peoples who have outstanding loans from Peoples or any of its Subsidiaries, and there has been no default on, or forgiveness or waiver of, in whole or in part, any such loan during the two (2)&nbsp;years immediately preceding the date hereof. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) All of the existing offices and branches of Peoples Bank have been legally authorized and established in accordance with all applicable
federal, state and local laws, statutes, regulations, rules, ordinances, orders, restrictions and requirements, except such as would not have a Material Adverse Effect on Peoples. Peoples Bank has no approved but unopened offices or branches. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">3.06 <B>Accuracy of Information Provided to Horizon</B>. Peoples agrees that the information concerning Peoples or any of its Subsidiaries that
is provided or to be provided by Peoples to Horizon for inclusion or that is included in the Registration Statement or Joint Proxy Statement and any other documents to be filed with any regulatory authority or governmental entity in connection with
the Merger and the other transactions contemplated by this Agreement will: (a)&nbsp;at the respective times such documents are filed and, in the case of the Registration </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-9 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
Statement, when it becomes effective and, with respect to the Joint Proxy Statement, when mailed, not be false or misleading with respect to any material fact, or omit to state any material fact
necessary in order to make the statements therein, in light of the circumstances under which they were made, not misleading; or (b)&nbsp;in the case of the Joint Proxy Statement or any amendment thereof or supplement thereto, at the time of the
Peoples Shareholders&#146; Meeting, not be false or misleading with respect to any material fact, or omit to state any material fact necessary to correct any statement in any earlier communication with respect to the solicitation of any proxy for
the meeting in connection with which the Joint Proxy Statement shall be mailed. Notwithstanding the foregoing, Peoples shall have no responsibility for the truth or accuracy of any information with respect to Horizon or any of its Subsidiaries or
any of their affiliates contained in the Registration Statement or the Joint Proxy Statement or in any document submitted to, or other communication with, any regulatory agency or governmental body. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">3.07 <B>Litigation and Pending Proceedings</B>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) Except for lawsuits described in the Peoples Disclosure Schedule and lawsuits involving collection of delinquent accounts, there are no
claims, actions, suits, proceedings, mediations, arbitrations or investigations pending or threatened against Peoples or any of its Subsidiaries, and to Peoples&#146; knowledge there is no basis for any claim, action, suit, proceeding, litigation,
arbitration or investigation against Peoples or any of its Subsidiaries. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) Neither Peoples nor any of its Subsidiaries is:
(i)&nbsp;subject to any outstanding judgment, order, writ, injunction or decree of any court, arbitration panel or governmental agency or authority; (ii)&nbsp;presently charged with or under governmental investigation with respect to, any actual or
alleged violations of any law, statute, rule, regulation or ordinance; or (iii)&nbsp;the subject of any pending or threatened proceeding by any government regulatory agency or authority having jurisdiction over their respective business, assets,
capital, properties or operations. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">3.08 <B>Financial Statements and Reports</B>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) Peoples has delivered to Horizon copies of the following financial statements and reports of Peoples and its Subsidiaries, including the
notes thereto (collectively, the &#147;Peoples Financial Statements&#148;): </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) Consolidated balance sheets and the
related consolidated statements of earnings, consolidated statements of cash flows, and consolidated statements of changes in shareholders&#146; equity of Peoples as of and for the fiscal years ended September&nbsp;30, 2012, 2013 and 2014; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) internal (unaudited) consolidated balance sheet and income statement as of and for the three months ended
December&nbsp;31, 2014 (without footnotes); and </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iii) Call Reports (&#147;<B>Call Reports</B>&#148;) for Peoples Bank for
the periods ending on September&nbsp;30, 2012, 2013 and 2014, and December&nbsp;31, 2014. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) The Peoples Financial Statements present
fairly in all material respects the consolidated financial position of Peoples as of and at the dates shown and the consolidated </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-10 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
results of operations, (if presented) cash flows and (if presented) changes in shareholders&#146; equity for the periods covered thereby and are complete, correct, represent bona fide
transactions, and have been prepared from the books and records of Peoples and its Subsidiaries. The Peoples Financial Statements described in clause (i)&nbsp;above are audited financial statements and have been prepared in conformance with GAAP,
except as may otherwise be indicated in any accountants&#146; notes or reports with respect to such financial statements. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) Since
September&nbsp;30, 2014 on a consolidated basis, Peoples and its Subsidiaries have not incurred any material liability other than in the ordinary course of business consistent with past practice. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">3.09 <B>Material Contracts</B>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) As of the date of this Agreement, and except as disclosed by the Peoples Disclosure Schedule, neither Peoples nor any of its Subsidiaries,
nor any of their respective assets, businesses, or operations, is a party to, or is bound or affected by, or receives benefits under (collectively, the &#147;<B>Material Contracts</B>&#148;): </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) any contract relating to the borrowing of money in excess of $100,000 by Peoples or any of its Subsidiaries or the
guarantee by Peoples or any of its Subsidiaries of any such obligation (other than contracts pertaining to fully-secured repurchase agreements, and trade payables, and contracts relating to borrowings or guarantees made in the ordinary course of
business), </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) any contract containing covenants that limit the ability of Peoples or any of its Subsidiaries to compete
in any line of business or with any Person, or to hire or engage the services of any Person, or that involve any restriction of the geographic area in which, or method by which, Peoples or any of its Subsidiaries may carry on its business (other
than as may be required by Law or any Governmental Authority (as hereinafter defined in <U>Section&nbsp;5.12</U>)) (as each are hereinafter defined), or any contract that requires it or any of its Subsidiaries to deal exclusively or on a &#147;sole
source&#148; basis with another party to such contract with respect to the subject matter of such contract, </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iii) any
contract for, with respect to, or that contemplates, a possible merger, consolidation, reorganization, recapitalization, joint venture, or other business combination, or asset sale or sale of equity securities not in the ordinary course of business
consistent with past practice, with respect to Peoples or any of its Subsidiaries, </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iv) any contract deemed material by
Peoples or Peoples Bank for the continued operations of Peoples and/or Peoples Bank by Horizon or any of its Subsidiaries after the Effective Time, </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(v) any lease of real or personal property providing for total aggregate lease payments by or to Peoples or its Subsidiaries
during the remaining term of the agreement in excess of $100,000 or having a remaining term in excess of two years, other than financing leases entered into in the ordinary course of business in which Peoples or any of its Subsidiaries is the
lessor, </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-11 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(vi) any contract that involves total aggregate expenditures or receipts by
Peoples or any of its Subsidiaries in excess of $100,000 during the remaining term of the agreement or having a remaining term in excess of two years, or </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(vii) each licensing agreement or other contract with respect to patents, trademarks, copyrights, or other intellectual
property, including agreements with current or former employees, consultants or contractors regarding the appropriation or the nondisclosure of any of its intellectual property. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) With respect to each of Peoples&#146; Material Contracts: (i)&nbsp;each such Material Contract is in full force and effect;
(ii)&nbsp;neither Peoples nor any of its Subsidiaries is in default thereunder, as such term or concept is defined in each such Material Contract; (iii)&nbsp;neither Peoples nor any of its Subsidiaries has repudiated or waived any material provision
of any such Material Contract; (iv)&nbsp;to Peoples&#146; knowledge, no other party to any such Material Contract is in default; and (v)&nbsp;a true, complete and correct copy of each such Material Contract is attached to and included in the Peoples
Disclosure Schedule. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) Neither Peoples nor any of its Subsidiaries have entered into any interest rate swaps, caps, floors, option
agreements, futures and forward contracts, or other similar risk management arrangements, whether entered into for Peoples&#146; own account or for the account of one or more of its Subsidiaries or their respective customers. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">3.10 <B>Absence of Undisclosed Liabilities</B>. Except as provided in the Peoples Financial Statements and except for unfunded loan commitments
and obligations on letters of credit to customers of Peoples&#146; Subsidiaries made in the ordinary course of business, except for trade payables incurred in the ordinary course of such Subsidiaries&#146; business, and except for the transactions
contemplated by this Agreement and obligations for services rendered pursuant thereto, none of Peoples or any of its Subsidiaries has, nor will have at the Effective Time, any obligation, agreement, contract, commitment, liability, lease or license
made outside of the ordinary course of business, nor, to Peoples&#146; knowledge, does there exist any circumstances resulting from transactions effected or events occurring on or prior to the date of this Agreement or from any action omitted to be
taken during such period which could reasonably be expected to result in any such obligation, agreement, contract, commitment, liability, lease or license. None of Peoples or any of its Subsidiaries is delinquent in the payment of any amount due
pursuant to any trade payable, and each has properly accrued for such payables in accordance with GAAP. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">3.11 <B>Title to Properties</B>.
</P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) The Peoples Disclosure Schedule includes a list of all real property owned (including other real estate owned
(&#147;<B>OREO</B>&#148;) and leased by Peoples or any Subsidiary. Peoples or one of its Subsidiaries, as the case may be, has marketable title in fee simple to all owned real property (including, without limitation, all real property used as bank
premises and all OREO); marketable title to all personal property reflected in the Peoples Financial Statements as of September&nbsp;30, 2014, other than personal property disposed of in the ordinary course of business since September&nbsp;30, 2014;
the right to use by valid and enforceable written lease or contract all other real property which Peoples or any of its Subsidiaries uses in its respective business; marketable title to, or right to use by terms of a valid and enforceable written
lease or contract, </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-12 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
all other tangible and intangible property used in its respective business to the extent material thereto; and marketable title to all material property and assets acquired (and not disposed of)
or leased since September&nbsp;30, 2014. All of such owned properties and assets are owned by Peoples or its Subsidiaries free and clear of all land or conditional sales contracts, mortgages, liens, pledges, restrictions, options, security,
interests, charges, claims, rights of third parties or encumbrances of any nature except: (i)&nbsp;as set forth in the Peoples Disclosure Schedule; (ii)&nbsp;as specifically noted in reasonable detail in the Peoples Financial Statements;
(iii)&nbsp;statutory liens for taxes not yet delinquent or being contested in good faith by appropriate proceedings; (iv)&nbsp;pledges or liens required to be granted in connection with the acceptance of government deposits or granted in connection
with repurchase or reverse repurchase agreements; and (v)&nbsp;easements, encumbrances and liens and other matters of record, imperfections of title and other limitations which are not material in amount and which do not detract from the value or
materially interfere with the present or contemplated use of any of the properties subject thereto or otherwise materially impair the use thereof for the purposes for which they are held or used. All real property owned or leased by Peoples or its
Subsidiaries is in compliance in all respects with all applicable zoning and land use laws and there are no encroachments or other violations of law with respect to any such property. All such properties also comply in all material respects with all
applicable private agreements, zoning requirements and other governmental laws and regulations relating thereto, and there are no condemnation proceedings pending or threatened with respect to such properties. All real property, machinery,
equipment, furniture and fixtures owned or leased by Peoples or its Subsidiaries that is material to their respective businesses is in good operating condition for its intended purpose (ordinary wear and tear excepted) and has been and is being
maintained and repaired in the ordinary condition of business. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) After the date hereof, Horizon shall be entitled, at its own cost, to
obtain new commitments for, and policies of title insurance or surveys in respect of, any real property owned or leased by Peoples or its Subsidiaries. Within thirty (30)&nbsp;days after the later of Horizon&#146;s receipt of such surveys and title
commitments, Horizon shall notify Peoples of any objections to any exceptions, conditions or other matters contained in or set forth in any survey or title commitment other than Standard Permitted Exceptions (the &#147;<B>Unpermitted
Exceptions</B>&#148;). The term &#147;<B>Standard Permitted Exceptions</B>&#148; shall include (i)&nbsp;liens for real estate taxes and assessments not yet delinquent; and (ii)&nbsp;utility, access and other easements, rights of way, restrictions
and exceptions existing on the real estate owned or leased by Peoples as shown in the title commitments or surveys, none of which impair such real property for the use and business being conducted thereon in any material respect. Within ten
(10)&nbsp;days after receipt of such written notice of Unpermitted Exceptions from Horizon, Peoples shall commence using its best efforts to cure any such Unpermitted Exceptions to the satisfaction of Horizon prior to the Closing. If Peoples agrees
to cure the Unpermitted Exceptions but is unable to cure the Unpermitted Exceptions to the reasonable satisfaction of Horizon prior to the Closing, or does not agree to do so, Horizon may either: (i)&nbsp;waive the uncured Unpermitted Exceptions and
close the transactions contemplated by this Agreement; or (ii)&nbsp;if such Unpermitted Exceptions decrease the value of the property by more than $250,000 in the reasonable and good faith estimate of Horizon or would require the expenditure of
monies (including legal fees and costs) in excess of $250,000 to cure such Unpermitted Exceptions, terminate this Agreement, in which event this Agreement shall be terminated, and neither party shall have any further obligation or liability to the
other party hereunder; or (iii)&nbsp;reduce the Cash Consideration by the amount Horizon and </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-13 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
Peoples reasonably determine will be required to remove or cure the Unpermitted Exceptions (or provide a reasonable alternative thereto). </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) With respect to all real property presently or formerly owned, leased or used by Peoples or any of its Subsidiaries, Peoples, its
Subsidiaries and to Peoples&#146; knowledge, each of the prior owners, have conducted their respective business in material compliance with all applicable federal, state, county and municipal laws, statutes, regulations, rules, ordinances, orders,
directives, restrictions and requirements relating to, without limitation, responsible property transfer, underground storage tanks, petroleum products, air pollutants, water pollutants or storm water or process waste water or otherwise relating to
the environment, air, water, soil or toxic or hazardous substances or to the manufacturing, recycling, handling, processing, distribution, use, generation, treatment, storage, disposal or transport of any hazardous or toxic substances or petroleum
products (including polychlorinated biphenyls, whether contained or uncontained, and asbestos-containing materials, whether friable or not), including, without limitation, the Federal Solid Waste Disposal Act, the Hazardous and Solid Waste
Amendments, the Federal Clean Air Act, the Federal Clean Water Act, the Occupational Health and Safety Act, the Federal Resource Conservation and Recovery Act, the Toxic Substances Control Act, the Federal Comprehensive Environmental Response,
Compensation and Liability Act of 1980 and the Superfund Amendments and Reauthorization Act of 1986, all as amended, and regulations of the Environmental Protection Agency, the Nuclear Regulatory Agency, the Army Corps of Engineers, the Department
of Interior, the United States Fish and Wildlife Service and any state department of natural resources or state environmental protection agency now or at any time thereafter in effect (collectively, &#147;<B>Environmental Laws</B>&#148;). There are
no pending or threatened claims, actions or proceedings by any local municipality, sewage district or other governmental entity against Peoples or any of its Subsidiaries with respect to the Environmental Laws, and, to Peoples&#146; knowledge, there
is no reasonable basis or grounds for any such claim, action or proceeding. No environmental clearances are required for the conduct of the business of Peoples or any of its Subsidiaries as currently conducted or the consummation of the Merger or
any of the other transactions contemplated hereby. Neither Peoples nor any of its Subsidiaries is the owner, or has been in the chain of title or the operator or lessee, of any property on which any substances have been used, stored, deposited,
treated, recycled or disposed of, other than in compliance with Environmental Laws and which substances, if known to be present on, at or under such property, would require clean-up, removal, treatment, abatement, response costs, or any other
remedial action under any Environmental Law. Neither Peoples nor any of its Subsidiaries has any liability for any clean-up or remediation under any of the Environmental Laws with respect to any real property. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">3.12 <B>Loans and Investments</B>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) The Peoples Disclosure Schedule contains (i)&nbsp;a list of each loan by Peoples Bank that has been classified by regulatory examiners or
management as &#147;Other Loans Especially Mentioned,&#148; &#147;Substandard,&#148; &#147;Doubtful&#148; or &#147;Loss&#148; or that has been identified by accountants or auditors (internal or external) as having a significant risk of
uncollectability as of September&nbsp;30, 2014, (ii)&nbsp;the most recent loan watch list of Peoples Bank and a list of all loans which have been determined to be thirty (30)&nbsp;days or more past due with respect to principal or interest payments,
have been placed on nonaccrual status, or have been designated as Troubled Debt Restructuring (&#147;<B>TDR</B>&#148;) loans, and (iii)&nbsp;a description of all unfunded loan commitments (and loans currently
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-14 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
under consideration) of the types and amounts described in <U>Section&nbsp;5.03(a)(iv)</U> of this Agreement. Peoples and Peoples Bank have not sold, purchased or entered into any loan
participation arrangement which was outstanding at September&nbsp;30, 2014, except where such participation is on a pro rata basis according to the respective contributions of the participants to such loan amount. The Peoples Disclosure Schedule
also contains a true, accurate and complete list of all loans in which Peoples Bank has any participation interest or which have been made with or through another financial institution on a recourse basis against Peoples Bank. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) All loans reflected in the Peoples Financial Statements as of September&nbsp;30, 2014 and which have been made, extended, renewed,
restructured, approved, amended or acquired since September&nbsp;30, 2014: (i)&nbsp;have been made for good, valuable and adequate consideration in the ordinary course of business; (ii)&nbsp;constitute the legal, valid and binding obligation of the
obligor and any guarantor named therein, except to the extent limited by general principles of equity and public policy or by bankruptcy, insolvency, fraudulent transfer, reorganization, liquidation, moratorium, readjustment of debt or other laws of
general application relative to or affecting the enforcement of creditors&#146; rights; (iii)&nbsp;are evidenced by notes, instruments or other evidences of indebtedness which are true, genuine and what they purport to be; and (iv)&nbsp;are secured
by perfected security interests or recorded mortgages naming Peoples Bank as the secured party or mortgagee (unless by written agreement to the contrary). </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) The allowance for loan and lease losses and the carrying value for OREO which are shown on the Peoples Financial Statements are, in the
judgment of management of Peoples, adequate in all respects under the requirements of GAAP to provide for possible losses on items for which reserves were made, on loans and leases outstanding and OREO as of the respective dates. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) None of the investments reflected in the Peoples Financial Statements as of and for the twelve months ended September&nbsp;30, 2014, and
none of the investments made by any Subsidiary of Peoples since September&nbsp;30, 2014 are subject to any restriction, whether contractual or statutory, which materially impairs the ability of such Subsidiary to dispose freely of such investment at
any time. Neither Peoples nor any of its Subsidiaries is a party to any repurchase agreements with respect to securities. All United States Treasury securities, obligations of other United States Government agencies and corporations, obligations of
states of the United States and their political subdivisions, and other investment securities classified as &#147;held to maturity&#148; held by Peoples and Peoples Bank, as reflected in the latest balance sheet in the Peoples Financial Statements,
are carried in the aggregate at no more than cost adjusted for amortization of premiums and accretion of discounts. All United States Treasury securities, obligations of other United States Government agencies and corporations, obligations of states
of the United States and their political subdivisions, and other investment securities classified as &#147;available for sale&#148; held by Peoples and Peoples Bank, as reflected in the latest balance sheet in the Peoples Financial Statements, are
carried in the aggregate at market value. Provisions for losses have been made on all such securities that have had a decline in value deemed &#147;other than temporary&#148; as defined in SEC Staff Accounting Bulletin No.&nbsp;59. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">3.13 <B>Indebtedness</B>. Except for customer deposits and ordinary trade payables and FHLB advances, neither Peoples nor any of its
Subsidiaries has, and none will have at the Effective Time, any indebtedness for borrowed money. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-15 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">3.14 <B>No Shareholder Rights Plan</B>. Peoples has no outstanding shareholder rights plan or any
other plan, program or agreement involving, restricting, prohibiting or discouraging a change in control or merger of Peoples or which reasonably could be considered an anti-takeover mechanism. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">3.15 <B>Employee Benefit Plans</B>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) With respect to the employee benefit plans, as defined in Section&nbsp;3(3) of the Employee Retirement Income Security Act of 1974, as
amended (&#147;<B>ERISA</B>&#148;), sponsored or otherwise maintained by any member of a controlled group of corporations under Code Section&nbsp;414(b) of which Peoples is or was a member, and any trade or business (whether or not incorporated)
which is or was under common control with Peoples under Code Section&nbsp;414(c), and all other entities which together with Peoples are or were prior to the date hereof treated as a single employer under Code Section&nbsp;414(m) or 414(o) (an
&#147;<B>ERISA Affiliate</B>&#148;), whether written or oral, in which Peoples or any ERISA Affiliate participates as a participating employer, or to which Peoples or any ERISA Affiliate contributes, or any nonqualified employee benefit plans or
deferred compensation, bonus, stock, performance share, phantom stock or incentive plans or arrangements, or other employee benefit or fringe benefit programs for the benefit of former or current employees or directors (or their beneficiaries or
dependents) of Peoples or any ERISA Affiliate, and including any such plans which have been terminated, merged into another plan, frozen or discontinued since January&nbsp;1, 2008 (individually, &#147;<B>Peoples Plan</B>&#148; and collectively,
&#147;<B>Peoples Plans</B>&#148;), Peoples represents and warrants, except as set forth in the Peoples Disclosure Schedule: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) All such Peoples Plans have, on a continuous basis since their adoption, been, in all material respects, maintained in
compliance with their respective terms and with the requirements prescribed by all applicable statutes, orders and governmental rules or regulations, including without limitation, ERISA and the Department of Labor (&#147;<B>Department</B>&#148;)
Regulations promulgated thereunder and the Code and Treasury Regulations promulgated thereunder. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) All Peoples Plans
intended to constitute tax-qualified plans under Code Section&nbsp;401(a) have complied in form since their adoption and have been timely amended to comply in all material respects with all applicable requirements of the Code and the Treasury
Regulations and each such Plan either (A)&nbsp;has received a determination letter from the Internal Revenue Service upon which Peoples may rely regarding such plan&#146;s tax qualified status under the Code, or (B)&nbsp;is a pre-approved volume
submitter or prototype plan that is the subject of an opinion letter issued by the Internal Revenue Service. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iii) All
Peoples Plans that provide for payments of &#147;nonqualified deferred compensation&#148; (as defined in Code Section&nbsp;409A(d)(1)) have, in all material respects, been (A)&nbsp;operated in good faith compliance with the applicable requirements
of Code Section&nbsp;409A and applicable guidance thereunder since January&nbsp;1, 2005, and (B)&nbsp;amended to comply in written form with Code Section&nbsp;409A and the Treasury Regulations promulgated thereunder. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-16 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iv) No Peoples Plan (or its related trust) holds any stock or other securities
of Peoples and no Peoples Plan allows for the granting of any awards over or with respect to any stock or other securities of Peoples. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(v) Neither Peoples, an ERISA Affiliate nor any other fiduciary as defined in ERISA Section&nbsp;3(21)(A) of a Peoples Plan has
engaged in any transaction that may subject Peoples, any ERISA Affiliate or any Peoples Plan to a civil penalty imposed by ERISA Section&nbsp;502 or any other provision of ERISA or excise taxes under Code Section&nbsp;4971, 4975, 4976, 4977, 4979 or
4980B. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(vi) All obligations required to be performed by Peoples or any ERISA Affiliate under any provision of any Peoples
Plan have been performed by it in all material respects and, neither Peoples nor any ERISA Affiliate is, in any material respect, in default under or in violation of any provision of any Peoples Plan. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(vii) All required reports and descriptions for the Peoples Plans have, in all material respects, been timely filed and
distributed to participants and beneficiaries, and all notices required by ERISA or the Code with respect to all Peoples Plans have been proper as to form and timely given. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(viii) No event has occurred which would reasonably constitute grounds for an enforcement action by any party under Part 5 of
Title I of ERISA with respect to any Peoples Plan. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ix) There are no examinations, audits, enforcement actions or
proceedings, or any other investigations, pending or, to Peoples&#146; knowledge, threatened by any governmental agency involving any Peoples Plan. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(x) There are no actions, suits, proceedings or claims pending (other than routine claims for benefits) or threatened against
Peoples or any ERISA Affiliate in connection with any Peoples Plan or the assets of any Peoples Plan. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xi) Any Peoples
Plan may be amended and terminated at any time without any material liability and these rights have always been maintained by Peoples and its ERISA Affiliates. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) Peoples has provided or made available to Horizon true, accurate and complete copies and, in the case of any plan or program which has not
been reduced to writing, a materially complete summary, of all of the following Peoples Plans, as applicable: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) All
current pension, retirement, profit-sharing, savings, stock purchase, stock bonus, stock ownership, stock option, restricted stock, restricted stock unit, phantom stock, performance share and stock appreciation right plans, all amendments thereto,
and, if required under the reporting and disclosure requirements of ERISA, all current summary plan descriptions thereof (including any modifications thereto); </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-17 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) All current employment, deferred compensation (whether funded or unfunded),
salary continuation, change in control, consulting, bonus, severance, and collective bargaining, agreements, arrangements or understandings; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iii) All current executive and other incentive compensation plans, programs and agreements; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iv) All current group insurance, medical, and prescription drug arrangements, policies or plans; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(v) All other current incentive, welfare or employee benefit plans, understandings, arrangements or agreements, maintained or
sponsored, participated in, or contributed to by Peoples for its current or former directors, officers or employees; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(vi)
All reports filed with the Internal Revenue Service or the Department within the preceding three (3)&nbsp;years by Peoples or any ERISA Affiliate with respect to any Peoples Plan; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(vii) All current participants in such plans and programs and all participants with benefit entitlements under such plans and
programs; and </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(vii) Valuations or allocation reports for any defined contribution and defined benefit plans as of the most
recent allocation and valuation dates. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) Except as disclosed in the Peoples Disclosure Schedule, no current or former director, officer
or employee of Peoples or any ERISA Affiliate (i)&nbsp;is entitled to or may become entitled to any benefit under any Peoples Plans that are welfare benefit plans (as defined in ERISA Section&nbsp;3(1)) after termination of employment with Peoples
or any ERISA Affiliate, except to the extent such individuals may be entitled to continue their group health care coverage pursuant to Code Section&nbsp;4980B, or (ii)&nbsp;is currently receiving, or entitled to commence receiving, a disability
benefit under a long-term or short-term disability plan that is a Peoples Plan maintained by Peoples or an ERISA Affiliate. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) With
respect to all Peoples Plans that are group health plans as defined in ERISA Section&nbsp;607(1), sponsored or maintained by Peoples or any ERISA Affiliate, no director, officer, employee or agent of Peoples or any ERISA Affiliate has engaged in any
action or failed to act in such a manner that, as a result of such action or failure to act, would cause a tax to be imposed on Peoples or any ERISA Affiliate under Code Section&nbsp;4980B(a), or would cause a penalty to be imposed under ERISA and
the regulations promulgated thereunder. With respect to all such plans, all applicable provisions of Code Section&nbsp;4980B and ERISA Sections 601-606 have been complied with by Peoples or any ERISA Affiliate, and all other provisions of ERISA and
the regulations promulgated thereunder have been complied with in all material respects. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) Except as disclosed in the Peoples Disclosure
Schedule, there are no collective bargaining, employment, management, consulting, deferred compensation, change in control, reimbursement, indemnity, retirement, early retirement, severance or similar plans or agreements, commitments or
understandings, or any employee benefit or retirement plan or agreement, binding upon Peoples or any ERISA Affiliate, and no such agreement, commitment, </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-18 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
understanding or plan is under discussion or negotiation by management with any employee or group of employees, any member of management or any other Person. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f) No Voluntary Employees&#146; Beneficiary Association (&#147;<B>VEBA</B>&#148;), as defined in Code Section&nbsp;501(c)(9), is sponsored or
maintained by Peoples or any ERISA Affiliate. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(g) Except as contemplated in this Agreement or as disclosed in the Peoples Disclosure
Schedule, there are no benefits or liabilities under any employee benefit plan or program that will be accelerated or otherwise come due as a result of the transactions contemplated by the terms of this Agreement. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(h) Peoples and all ERISA Affiliates are and have been in material compliance with all applicable laws respecting employment and employment
practices, terms and conditions of employment and wages and hours, including, without limitation, any such laws respecting employment discrimination and occupational safety and health requirements. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) None of the Peoples Plans, other than The Pentegra Defined Benefit Plan for Financial Institutions, as adopted by Peoples Bank (the
&#147;<B>Pension Plan</B>&#148;), is subject to Title IV of ERISA, is or has been subject to Sections 4063 or 4064 of ERISA or is a &#147;multiple employer welfare arrangement,&#148; as defined in Section&nbsp;3(40) of ERISA. Neither Peoples nor any
of its ERISA Affiliates has ever participated in or had any obligation to contribute to a &#147;multiemployer plan,&#148; as defined in Section&nbsp;3(37) of ERISA. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(j) Except as disclosed in the Peoples Disclosure Schedule, as a result, directly or indirectly, of the transactions contemplated by this
Agreement (including without limitation any termination of employment relating thereto and occurring prior to, at or following the Effective Time), Peoples, its ERISA Affiliates and their respective successors will not be obligated to make a payment
that would be characterized as an &#147;excess parachute payment&#148; to an individual who is a &#147;disqualified individual,&#148; as such terms are defined in Code Section&nbsp;280G. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(k) Except as contemplated by this Agreement, neither Peoples nor any ERISA Affiliate has made any promises or commitments, whether legally
binding or not, to create any new plan, agreement or arrangement, or to modify or change in any material way Peoples Plans. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(l) With
respect to each Peoples Plan that is subject to ERISA Title IV (a &#147;<B>Title IV Plan</B>&#148;): </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) Peoples and
Peoples Bank have at all times met the minimum funding standard, and has made all contributions required, under ERISA Section&nbsp;302 and Code Section&nbsp;412; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) Peoples and Peoples Bank have paid all amounts due to the Pension Benefit Guaranty Corporation (the
&#147;<B>PBGC</B>&#148;); </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iii) Neither Peoples nor Peoples Bank have ceased operations at any facility or withdrawn from
any Title IV Plan in a manner that would subject any entity or Peoples or Peoples Bank to liability under ERISA Section&nbsp;4062(e), Section&nbsp;4063, or Section&nbsp;4064; </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-19 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iv) Neither Peoples nor Peoples Bank has ever filed a notice of intent to
terminate any Title IV Plan or adopted any amendment to treat a Title IV Plan as terminated. The PBGC has not instituted proceedings to treat any Title IV Plan as terminated. No event has occurred or circumstance exists that may constitute grounds
under ERISA Section&nbsp;4042 for the termination of, or the appointment of a trustee to administer, any Title IV Plan; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(v) No amendment has been made, or is reasonably expected to be made, to any Title IV Plan that has required or could require
the provision of security under ERISA Section&nbsp;307 or Code Section&nbsp;401(a)(29); </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(vi) Except as provided in the
Disclosure Schedule, since the last valuation date for each Title IV Plan, no event has occurred or circumstance exists that would increase the amount of benefits under any Title IV Plan or that would cause the excess of Title IV Plan assets over
benefit liabilities (as defined in ERISA Section&nbsp;4001) to decrease, or the amount by which benefit liabilities exceed assets to increase; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(vii) No reportable event (as defined in ERISA Section&nbsp;4043 and in regulations issued thereunder) has occurred; and </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(viii) Neither Peoples nor Peoples Bank has any knowledge of any facts or circumstances that may give rise to any liability of
Horizon or Horizon Bank to the PBGC under Title IV of ERISA. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(m) The Pension Plan was amended effective August&nbsp;1, 2007, to prevent
any new participant from becoming eligible to participate in such plan and to prevent any then existing participant from accruing additional benefits under such plan after August&nbsp;1, 2007. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">3.16 <B>Obligations to Employees</B>. All material obligations and liabilities of and all payments by Peoples or any ERISA Affiliate and all
Peoples Plans, whether arising by operation of law, by contract or by past custom, for payments to trusts or other funds, to any government agency or authority or to any present or former director, officer, employee or agent (or his or her heirs,
legatees or legal representatives) have been and are being paid to the extent required by applicable law or by the plan, trust, contract or past custom or practice, and adequate actuarial accruals and reserves for such payments have been and are
being made by Peoples or an ERISA Affiliate in accordance with GAAP and applicable law applied on a consistent basis and sound actuarial methods with respect to the following: (a)&nbsp;withholding taxes or unemployment compensation; (b)&nbsp;Peoples
Plans; (c)&nbsp;employment, salary continuation, change in control, consulting, retirement, early retirement, severance or reimbursement; and (d)&nbsp;collective bargaining plans and agreements. All accruals and reserves referred to in this
<U>Section&nbsp;3.16</U> are correctly and accurately reflected and accounted for in the Peoples Financial Statements and the books, statements and records of Peoples. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">3.17 <B>Taxes, Returns and Reports</B>. Each of Peoples and its Subsidiaries has since January&nbsp;1, 2010 (a)&nbsp;duly and timely filed all
federal, state, local and foreign tax returns of every type and kind required to be filed, and each such return is true, accurate and complete; (b)&nbsp;paid or otherwise adequately reserved in accordance with GAAP for all taxes, assessments and
other </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-20 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
governmental charges due or claimed to be due upon it or any of its income, properties or assets; and (c)&nbsp;not requested an extension of time for any such payments (which extension is still
in force). Peoples has established, and shall establish in the Subsequent Peoples Financial Statements (as hereinafter defined in <U>Section&nbsp;5.10</U>), in accordance with GAAP, a reserve for taxes in the Peoples Financial Statements adequate to
cover all of Peoples&#146; and its Subsidiaries tax liabilities (including, without limitation, income taxes, payroll taxes and withholding, and franchise fees) for the periods then ending. Neither Peoples nor any of its Subsidiaries has, nor will
any of them have, any liability for taxes of any nature for or with respect to the operation of its business, from the date hereof up to and including the Effective Time, except to the extent set forth in the Subsequent Peoples Financial Statements
(as hereinafter defined) or as accrued or reserved for on the books and records of Peoples or its Subsidiaries. Except as set forth in the Peoples Disclosure Schedule, neither Peoples nor any of its Subsidiaries is currently under audit by any state
or federal taxing authority. Except as set forth in the Peoples Disclosure Schedule, no federal, state or local tax returns of Peoples or any of its Subsidiaries have been audited by any taxing authority during the past five (5)&nbsp;years. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">3.18 <B>Deposit Insurance</B>. The deposits of Peoples Bank are insured by the Federal Deposit Insurance Corporation in accordance with the
Federal Deposit Insurance Act, as amended, to the fullest extent provided by applicable law, and Peoples or Peoples Bank has paid, prepaid or properly reserved or accrued for all current premiums and assessments with respect to such deposit
insurance. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">3.19 <B>Insurance</B>. The Peoples Disclosure Schedule contains a true, accurate and complete list of all policies of insurance
(including, without limitation, bankers&#146; blanket bond, directors&#146; and officers&#146; liability insurance, property and casualty insurance, group health or hospitalization insurance and insurance providing benefits for employees) owned or
held by Peoples or any of its Subsidiaries on the date hereof or with respect to which Peoples or any of its Subsidiaries pays any premiums. Each such policy is in full force and effect and all premiums due thereon have been paid when due. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">3.20 <B>Books and Records</B>. The books of account, minute books, stock record books and other records of People and its Subsidiaries are
complete and correct in all material respects and have been maintained in accordance with the People&#146;s business practices and all applicable Laws, including the maintenance of an adequate system of internal controls required by such
Laws.&nbsp;The minute books of People and each of its Subsidiaries contain accurate and complete records in all material respects of all meetings held of, and corporate action taken by, its respective shareholders, boards of directors and committees
of the boards of directors. At the Closing, all of those books and records will be in the possession of Peoples and its Subsidiaries. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">3.21
<B>Broker&#146;s, Finder&#146;s or Other Fees</B>. Except for reasonable fees and expenses of Peoples&#146; attorneys and accountants and the contractually-agreed fees and expenses of Keefe, Bruyette&nbsp;&amp; Woods, Inc. (&#147;<B>KBW</B>&#148;),
Peoples&#146; investment banker under the agreement identified on the Peoples Disclosure Schedule, all of which shall be paid or accrued by Peoples at or prior to the Effective Time, no agent, broker or other Person acting on behalf of Peoples or
any of its Subsidiaries or under any authority of Peoples or any of its Subsidiaries is or shall be entitled to any commission, broker&#146;s or finder&#146;s fee or any other form of compensation or payment from
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-21 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
any of the parties hereto relating to this Agreement or the Merger or other transactions contemplated hereby. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">3.22 <B>Interim Events</B>. Except as otherwise permitted hereunder or disclosed on the Peoples Disclosure Schedule, since September&nbsp;30,
2014, neither Peoples nor any of its Subsidiaries has: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) Experienced any events, changes, developments or occurrences which have had, or
are reasonably likely to have, a Material Adverse Effect on Peoples; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) Suffered any damage, destruction or loss to any of its
properties, not fully paid by insurance proceeds, in excess of $100,000 individually or $250,000 in the aggregate; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) Declared,
distributed or paid any dividend or other distribution to its shareholders, except for payment of dividends as permitted by <U>Section&nbsp;5.03(a)(ii)</U> hereof ; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) Repurchased, redeemed or otherwise acquired shares of its common stock, issued any shares of its common stock or stock appreciation rights
or sold or agreed to issue or sell any shares of its common stock, including the issuance of any stock options, or any right to purchase or acquire any such stock or any security convertible into such stock or taken any action to reclassify,
recapitalize or split its stock; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) Granted or agreed to grant any increase in benefits payable or to become payable under any pension,
retirement, profit sharing, change in control, health, bonus, insurance or other welfare benefit plan or agreement to employees, officers or directors of Peoples or a Subsidiary; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f) Increased the salary of (or granted any bonus to) any director, officer or employee, except for normal increases in the ordinary course of
business and in accordance with past practices, or entered into any employment contract, indemnity agreement or understanding with any officer or employee or installed or amended any existing employee welfare, pension, retirement, change in control,
stock option, stock appreciation, stock dividend, profit sharing or other similar plan or arrangement; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(g) Leased, sold or otherwise
disposed of any of its assets except in the ordinary course of business or leased, purchased or otherwise acquired from third parties any assets except in the ordinary course of business; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(h) Except for the Merger and other transactions contemplated by this Agreement, merged, consolidated or sold shares of its (or any of its
Subsidiaries&#146;) common stock, agreed to merge or consolidate Peoples or any of its Subsidiaries with or into any third party, agreed to sell any shares of its (or any of its Subsidiaries&#146;) common stock or acquired or agreed to acquire any
stock, equity interest, assets or business of any third party; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) Incurred, assumed or guaranteed any material obligation or liability
(fixed or contingent) other than obligations and liabilities incurred in the ordinary course of business; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(j) Mortgaged, pledged or
subjected to a lien, security interest, option or other encumbrance any of its assets except for tax and other liens which arise by operation of law and </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-22 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
with respect to which payment is not past due and except for pledges or liens: (i)&nbsp;required to be granted in connection with acceptance by Peoples Bank of government deposits; or
(ii)&nbsp;granted in connection with repurchase or reverse repurchase agreements; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(k) Canceled, released or compromised any loan, debt,
obligation, claim or receivable other than in the ordinary course of business; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(l) Entered into any transaction, contract or commitment
other than in the ordinary course of business; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(m) Agreed to enter into any transaction for the borrowing or loaning of monies, other than
in the ordinary course of its lending business; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(n) Amended their articles of incorporation, charter or bylaws or adopted any resolutions
by their board of directors or shareholders with respect to the same; or </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(o) Conducted its business in any manner other than substantially
as it was being conducted prior to September&nbsp;30, 2014. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">3.23 <B>Insider Transactions</B>. Except as set forth in the Peoples
Disclosure Schedule, during the preceding 5 years, no officer or director of Peoples or any of its Subsidiaries or member of the &#147;immediate family&#148; or &#147;related interests&#148; (as such terms are defined in Regulation&nbsp;O) of any
such officer or director has currently, or has had during such time period, any direct or indirect interest in any property, assets, business or right which is owned, leased, held or used by Peoples or any Subsidiary or in any liability, obligation
or indebtedness of Peoples or any Subsidiary, except for deposits of Peoples Bank, securities issued by Peoples, and interests in compensatory arrangements. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">3.24 <B>Indemnification Agreements</B>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) Except as provided in the Disclosure Schedule, neither Peoples nor any of its Subsidiaries is a party to any indemnification, indemnity or
reimbursement agreement, contract, commitment or understanding to indemnify any present or former director, officer, employee, shareholder or agent against liability or hold the same harmless from liability other than as expressly provided in the
Articles of Incorporation or Bylaws of Peoples or the charter documents of a Subsidiary. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) During the preceding five (5)&nbsp;years, no
claims have been made against or filed with Peoples or any of its Subsidiaries nor have any claims been threatened against Peoples or a Subsidiary, for indemnification against liability or for reimbursement of any costs or expenses incurred in
connection with any legal or regulatory proceeding by any present or former director, officer, shareholder, employee or agent of Peoples or any of its Subsidiaries. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">3.25 Shareholder Approval. The affirmative vote of the holders of a majority of the Peoples Common Stock (which are issued and outstanding on
the record date relating to the meeting of shareholders contemplated by <U>Section&nbsp;5.01</U> of this Agreement) is required for shareholder approval of this Agreement and the Merger. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-23 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">3.26 <B>Intellectual Property</B>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) Peoples and its Subsidiaries own, or are licensed or otherwise possess sufficient legally enforceable rights to use, all material
Intellectual Property (as such term is defined below) that is used by Peoples or its Subsidiaries in their respective businesses as currently conducted. Neither Peoples nor any of its Subsidiaries has (A)&nbsp;licensed any Intellectual Property
owned by it or its Subsidiaries in source code form to any third party or (B)&nbsp;entered into any exclusive agreements relating to Intellectual Property owned by it. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) Peoples and its Subsidiaries have not infringed or otherwise violated any material Intellectual Property rights of any third party during
the preceding five (5)&nbsp;years. There is no claim asserted or threatened against Peoples and/or its Subsidiaries or any indemnitee thereof concerning the ownership, validity, registerability, enforceability, infringement, use or licensed right to
use any Intellectual Property. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) To Peoples&#146; knowledge, no third party has infringed, misappropriated or otherwise violated Peoples
or its Subsidiaries&#146; Intellectual Property rights during the preceding five (5)&nbsp;years. There are no claims asserted or threatened by Peoples or its Subsidiaries, nor has Peoples or its Subsidiaries decided to assert or threaten a claim,
that (i)&nbsp;a third party infringed or otherwise violated any of their Intellectual Property rights; or (ii)&nbsp;a third party&#146;s owned or claimed Intellectual Property interferes with, infringes, dilutes or otherwise harms any of their
Intellectual Property rights. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) To the extent Peoples has designated any of its information, materials or processes a trade secret,
Peoples and its Subsidiaries have taken reasonable measures to protect the confidentiality of all trade secrets that are owned, used or held by them. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) For purposes of this Agreement, &#147;<B>Intellectual Property</B>&#148; shall mean all patents, trademarks, trade names, service marks,
domain names, database rights, copyrights, and any applications therefor, mask works, technology, know-how, trade secrets, inventory, ideas, algorithms, processes, computer software programs or applications (in both source code and object code
form), and tangible or intangible proprietary information or material and all other intellectual property or proprietary rights. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">3.27
<B>Community Reinvestment Act</B>. Peoples Bank received a rating of &#147;satisfactory&#148; or better in its most recent examination or interim review with respect to the Community Reinvestment Act. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">3.28 <B>BSA/AML</B>. Neither Peoples nor any of its Subsidiaries has received any notice or communication from any regulatory authority
alleging violation of, or noncompliance with, any legal requirement concerning compliance with any legal requirements concerning bank secrecy and anti-money laundering, including the Currency and Foreign Transactions Reporting Act, the Money
Laundering Control Act of 1986, Annunzio-Wylie Anti-Money Laundering Act, the Money Laundering Suppression Act of 1994, and the Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act of 2001
(also known as the USA PATRIOT Act) (each such legal requirement and the rules promulgated thereunder, a &#147;<B>BSA/AML Law</B>&#148;).&nbsp;Peoples and its Subsidiaries have not been cited, fined or
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-24 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
otherwise notified of any failure by it to comply with a BSA/AML Law which has not been cured.&nbsp;To the knowledge of Peoples and its Subsidiaries, there are no facts or circumstances that
could form the basis for assertion of any proceeding against Peoples or its Subsidiaries under any BSA/AML Law that, if determined adversely to Peoples or its Subsidiaries, could reasonably be expected to adversely affect Peoples or its
Subsidiaries. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">3.29 <B>Agreements with Regulatory Agencies</B>. Except as set forth in the Peoples Disclosure Schedule, neither Peoples nor
any of its Subsidiaries is subject to any cease-and-desist, consent order or other order or enforcement action issued by, or is a party to any written agreement, consent agreement or memorandum of understanding with, or is a party to any commitment
letter or similar undertaking to, or is subject to any order or directive by, or has been ordered to pay any civil money penalty by, or has been, during the preceding five (5)&nbsp;years, a recipient of any supervisory letter from, or, during the
preceding five (5)&nbsp;years, has adopted any policies, procedures or board resolutions at the request or suggestion of any regulatory agency or other governmental entity that currently restricts in any material respect the conduct of its business
or that in any material manner relates to its capital adequacy, its ability to pay dividends, its credit or risk management policies, its management or its business, other than those of general application that apply to similarly situated bank
holding companies or their subsidiaries, whether or not set forth in the Peoples Disclosure Schedule (a &#147;<B>Peoples Regulatory Agreement</B>&#148;), nor has Peoples or any of its Subsidiaries been advised, during the preceding five&nbsp;(5)
years, by any regulatory agency or other governmental entity that it is considering issuing, initiating, ordering, or requesting any such Peoples Regulatory Agreement. There are no refunds or restitutions required to be paid as a result of any
criticism of any regulatory agency or body cited in any examination report of Peoples or any of its Subsidiaries as a result of an examination by any regulatory agency or body, or set forth in any accountant&#146;s or auditor&#146;s report to
Peoples or any of its Subsidiaries. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">3.30 <B>Approval Delays</B>. To Peoples&#146; knowledge, there is no reason why the granting of any of
the Regulatory Approvals (as hereinafter defined in <U>Section&nbsp;7.01(e)</U>) would be denied or unduly delayed. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">3.31 <B>Internal
Controls</B>. Peoples and its Subsidiaries have devised and maintain a system of internal accounting controls sufficient to provide reasonable assurances regarding the reliability of financial reporting and the preparation of financial statements
for external purposes in accordance with GAAP. During the preceding three (3)&nbsp;years, (i)&nbsp;through the date hereof, neither Peoples nor any of its Subsidiaries has received or otherwise had or obtained knowledge of any material complaint,
allegation, assertion or claim, whether written or oral, regarding the accounting or auditing practices, procedures, methodologies or methods of Peoples or any of its Subsidiaries or their respective internal accounting controls, including any
material complaint, allegation, assertion or claim that Peoples or any of its Subsidiaries has engaged in questionable accounting or auditing practices, and (ii)&nbsp;no attorney representing Peoples or any of its Subsidiaries, whether or not
employed by Peoples or any of its Subsidiaries, has reported evidence of a violation of securities laws, breach of fiduciary duty or similar violation by Peoples or any of its officers, directors, employees or agents to the Board of Directors of
Peoples or any committee thereof or to any director or officer of Peoples. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-25 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">3.32 <B>Fiduciary Accounts</B>. Peoples and each of its Subsidiaries has properly administered
all accounts for which it acts as a fiduciary, including but not limited to accounts for which it serves as a trustee, agent, custodian, personal representative, guardian, conservator or investment advisor, in accordance with the terms of the
governing documents and applicable laws and regulations. Neither Peoples nor any of its Subsidiaries, nor any of their respective directors, officers or employees, has committed any breach of trust, to Peoples&#146; knowledge, with respect to any
fiduciary account and the records for each such fiduciary account are true and correct and accurately reflect the assets of such fiduciary account. </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE IV. </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>REPRESENTATIONS AND WARRANTIES OF HORIZON </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">On or prior to the date hereof, Horizon has delivered to Peoples a schedule (the &#147;Horizon Disclosure Schedule&#148;) setting forth, among
other things, items the disclosure of which is necessary or appropriate either in response to an express disclosure requirement contained in a provision hereof or as an exception to one or more representations or warranties contained in this
<U>Article IV</U> or to one or more of its covenants contained in <U>Article V</U> or <U>Article VI</U>. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">For the purpose of this
Agreement, and in relation to Horizon and its Subsidiaries (as such term is defined below), a &#147;<B>Material Adverse Effect on Horizon</B>&#148; means any effect that (i)&nbsp;is material and adverse to the results of operations, properties,
assets, liabilities, condition (financial or otherwise), value or business of Horizon and its Subsidiaries on a consolidated basis, or (ii)&nbsp;would materially impair the ability of Horizon or any of its Subsidiaries to perform its obligations
under this Agreement or any related agreement or otherwise materially threaten or materially impede the consummation of the Merger and the other transactions contemplated by this Agreement; <I>provided, however</I>, that Material Adverse Effect on
Horizon shall not be deemed to include the impact of (a)&nbsp;changes in banking and similar laws of general applicability to banks or savings associations or their holding companies or interpretations thereof by courts or governmental authorities,
(b)&nbsp;changes in GAAP or regulatory accounting requirements applicable to banks, savings associations, or their holding companies generally, (c)&nbsp;the impact of the announcement of this Agreement and the transactions contemplated hereby, and
compliance with this Agreement on the business, financial condition or results of operations of Horizon and its Subsidiaries, (d)&nbsp;changes resulting from professional expenses (such as legal, accounting and investment bankers&#146; fees)
incurred in connection with this Agreement or the transactions contemplated herein, and (e)&nbsp;the occurrence of any military or terrorist attack within the United States or any of its possessions or offices; provided that in no event shall a
change in the trading price of the shares of Horizon Common Stock, by itself, be considered to constitute a Material Adverse Effect on Horizon and its Subsidiaries taken as a whole (it being understood that the foregoing proviso shall not prevent or
otherwise affect a determination that any effect underlying or caused by such decline has resulted in a Material Adverse Effect). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">For the
purpose of this Agreement, and in relation to Horizon and its Subsidiaries, &#147;knowledge&#148; means those facts that are actually known by the executive officers of Horizon. Additionally, for the purpose of this Agreement, and in relation to
Horizon, its &#147;<B>Subsidiaries</B>&#148; shall mean any entity which is required to be consolidated with Horizon for financial reporting purposes pursuant to GAAP. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-26 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Accordingly, Horizon represents and warrants to Peoples as follows, except as set forth in the
Horizon Disclosure Schedule: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">4.01 <B>Organization and Authority</B>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) Horizon is a corporation duly organized and validly existing under the laws of the State of Indiana and is a registered bank holding
company under the BHC Act. Horizon has full power and authority (corporate and otherwise) to own and lease its properties as presently owned and leased and to conduct its business in the manner and by the means utilized as of the date hereof. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) Horizon Bank is a national bank chartered and existing under the laws of the United States. Horizon Bank has full power and authority
(corporate and otherwise) to own and lease its properties as presently owned and leased and to conduct its business in the manner and by the means utilized as of the date hereof. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) Each of Horizon&#146;s Subsidiaries other than Horizon Bank is duly organized and validly existing under the laws of its jurisdiction of
organization, and has full power and authority (corporate and otherwise) to own and lease its properties as presently owned and leased and to conduct its business in the manner and by the means utilized as of the date hereof. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">4.02 <B>Authorization</B>. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a)
Horizon has the requisite corporate power and authority to enter into this Agreement and to perform its obligations hereunder, subject to the fulfillment of the conditions precedent set forth in <U>Sections 7.01(d)</U>, <U>(e)</U>,
<U>(f)</U>&nbsp;and <U>(k)</U>&nbsp;hereof. This Agreement and its execution and delivery by Horizon have been duly authorized and approved by the Board of Directors of Horizon and, assuming due execution and delivery by Peoples, constitutes a valid
and binding obligation of Horizon, subject to the terms and conditions hereof, and is enforceable in accordance with its terms, except to the extent limited by general principles of equity and public policy and by bankruptcy, insolvency, fraudulent
transfer, reorganization, liquidation, moratorium, readjustment of debt or other laws of general application relating to or affecting the enforcement of creditors&#146; rights. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) Neither the execution of this Agreement nor consummation of the Merger contemplated hereby: (i)&nbsp;conflicts with or violates the
Articles of Incorporation or Bylaws of Horizon or the charter documents of any of Horizon&#146;s Subsidiaries; (ii)&nbsp;conflicts with or violates any local, state, federal or foreign law, statute, ordinance, rule&nbsp;or regulation (provided that
the approvals of or filings with applicable government regulatory agencies or authorities required for consummation of the Merger are obtained) or any court or administrative judgment, order, injunction, writ or decree; (iii)&nbsp;conflicts with,
results in a breach of or constitutes a default under any note, bond, indenture, mortgage, deed of trust, license, lease, contract, agreement, arrangement, commitment or other instrument to which Horizon or any of its Subsidiaries is a party or by
which Horizon or any of its Subsidiaries is subject or bound; (iv)&nbsp;results in the creation of or gives any Person the right to create any lien, charge, claim, encumbrance or security interest, or results in the creation of any other rights or
claims of any other party (other than Peoples) or any other adverse interest, upon any right, property or asset of Horizon or any of </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-27 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
its Subsidiaries; or (v)&nbsp;terminates or gives any Person the right to terminate, accelerate, amend, modify or refuse to perform under any note, bond, indenture, mortgage, agreement, contract,
lease, license, arrangement, deed of trust, commitment or other instrument to which Horizon or any of its Subsidiaries is bound or with respect to which Horizon or any of its Subsidiaries is to perform any duties or obligations or receive any rights
or benefits. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) Other than in connection or in compliance with the provisions of the applicable federal and state banking, securities,
antitrust and corporation statutes, all as amended, and the rules&nbsp;and regulations promulgated thereunder, no notice to, filing with, exemption by or consent, authorization or approval of any governmental agency or body is necessary for
consummation of the Merger by Horizon. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">4.03 <B>Capitalization</B>. As of the date of this Agreement, the authorized capital stock of
Horizon consists of (i)&nbsp;22,500,000 shares of Horizon Common Stock, 9,278,916 shares of which are issued and outstanding (and which includes shares of restricted stock), (ii)&nbsp;1,000,000 shares of preferred stock, 12,500 of which are issued
and outstanding as Senior Noncumulative Perpetual Preferred Stock, Series B, $.01 par value, (iii)&nbsp;options to purchase 162,094 shares of Horizon Common Stock, and (iv)&nbsp;warrants to purchase 481,510 shares of Horizon Common Stock. Such
issued and outstanding shares have been duly and validly authorized by all necessary corporate action of Horizon, are validly issued, fully paid and nonassessable and have not been issued in violation of any pre-emptive rights. Each share of Horizon
Common Stock is entitled to one vote per share. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">4.04 <B>Compliance with Law</B>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) None of Horizon or any of its Subsidiaries is currently in violation of, and during the preceding five (5)&nbsp;years, none has been in
violation of any Law, except where such violation would not have a Material Adverse Effect on Horizon. Horizon and its Subsidiaries possess and hold all licenses, franchises, permits, certificates and other authorizations necessary for the continued
conduct of their business without interference or interruption, except where the failure to possess and hold the same would not have a Material Adverse Effect on Horizon. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) Horizon is not subject to any understandings or commitments with, and there are no orders or directives of, any government regulatory
agencies or authorities with respect to the financial condition, results of operations, business, assets or capital of Horizon or its Subsidiaries. There are no refunds or restitutions required to be paid as a result of any criticism of any
regulatory agency or body cited in any examination report of Horizon or any of its Subsidiaries as a result of an examination by any regulatory agency or body, or set forth in any accountant&#146;s or auditor&#146;s report to Horizon or any of its
Subsidiaries. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) Since the enactment of the Sarbanes-Oxley Act of 2002 (the &#147;<B>Sarbanes-Oxley Act</B>&#148;), Horizon, to its
knowledge, has been and is in compliance in all material respects with the applicable provisions of the Sarbanes-Oxley Act. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) All of the
existing offices and branches of Horizon Bank have been legally authorized and established in accordance with all applicable federal, state and local laws, </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-28 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
statutes, regulations, rules, ordinances, orders, restrictions and requirements, except such as would not have a Material Adverse Effect on Horizon. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">4.05 <B>Absence of Undisclosed Liabilities</B>. Except (i)&nbsp;as provided in the Horizon financial statements included in its SEC Reports (as
defined in <U>Section&nbsp;4.15</U>), (ii)&nbsp;for unfunded loan commitments and obligations on letters of credit to customers of Horizon&#146;s Subsidiaries made in the ordinary course of business, (iii)&nbsp;for trade payables incurred in the
ordinary course of business, (iv)&nbsp;for the transactions contemplated by this Agreement, and (v)&nbsp;any other transactions which would not result in a material liability, none of Horizon or any of its Subsidiaries has any obligation, agreement,
contract, commitment, liability, lease or license that except where the aggregate of the amount due under such obligations, agreements, contracts, commitments, liabilities, leases or licenses would not have a Material Adverse Effect on Horizon, nor,
to Horizon&#146;s knowledge, does there exist any circumstances resulting from transactions effected or events occurring on or prior to the date of this Agreement or from any action omitted to be taken during such period which could reasonably be
expected to result in any such obligation, agreement, contract, commitment, liability, lease or license. None of Horizon or any of its Subsidiaries is delinquent in the payment of any material amount due pursuant to any trade payable, and each has
properly accrued for such payables in accordance with GAAP, except where the failure to so accrue would not constitute a Material Adverse Effect on Horizon. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">4.06 <B>Accuracy of Information Provided to Peoples</B>. Horizon agrees that the information concerning Horizon or any of its Subsidiaries that
is provided or to be provided by Horizon to Peoples for inclusion or that is included in the Registration Statement or Joint Proxy Statement and any other documents to be filed with any regulatory authority or governmental entity in connection with
the Merger and the other transactions contemplated by this Agreement will: (a)&nbsp;at the respective times such documents are filed and, in the case of the Registration Statement, when it becomes effective and, with respect to the Joint Proxy
Statement, when mailed, not be false or misleading with respect to any material fact, or omit to state any material fact necessary in order to make the statements therein, in light of the circumstances under which they were made, not misleading; or
(b)&nbsp;in the case of the Joint Proxy Statement or any amendment thereof or supplement thereto, at the time of Horizon&#146;s Shareholders&#146; Meeting, not be false or misleading with respect to any material fact, or omit to state any material
fact necessary to correct any statement in any earlier communication with respect to the solicitation of any proxy for the meeting in connection with which the Joint Proxy Statement shall be mailed. Notwithstanding the foregoing, Horizon shall have
no responsibility for the truth or accuracy of any information with respect to Peoples or any of its Subsidiaries or any of their affiliates contained in the Registration Statement or the Joint Proxy Statement or in any document submitted to, or
other communication with, any regulatory authority or governmental entity. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">4.07 <B>Financial Statements and Reports</B>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) The following financial statements and reports of Horizon and its Subsidiaries, including the notes thereto (collectively, the
&#147;<B>Horizon Financial Statements</B>&#148;) are publicly available: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) consolidated balance sheets and the related
consolidated statements of income, consolidated statements of cash flows, and consolidated statements of changes in </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-29 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">
shareholders&#146; equity of Horizon as of and for the fiscal years ended December&nbsp;31, 2011, 2012 and 2013; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) internal (unaudited) consolidated balance sheet and income statement as of and for the nine months ended
September&nbsp;30, 2014 (without footnotes); and </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iii) Call Reports for Horizon Bank as of the close of business on
December&nbsp;31, 2012, 2013 and 2014. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) The Horizon Financial Statements present fairly, in all material respects, the consolidated
financial position of Horizon as of and at the dates shown and the consolidated results of operations for the periods covered thereby and are complete, correct, represent bona fide transactions, and have been prepared from the books and records of
Horizon and its Subsidiaries. The Horizon Financial Statements described in clause (i)&nbsp;above are audited financial statements and have been prepared in conformance with GAAP, except as may otherwise be indicated in any accountants&#146; notes
or reports with respect to such financial statements. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) Since December&nbsp;31, 2014, on a consolidated basis, Horizon and its
Subsidiaries have not incurred any material liability other than in the ordinary course of business consistent with past practice. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">4.08
<B>Adequacy of Reserves</B>. The reserves, the allowance for loan and lease losses and the carrying value for real estate owned which are shown on the Horizon Financial Statements are, in the judgment of management of Horizon, adequate, in all
material respects, under the requirements of GAAP to provide for possible losses on items for which reserves were made, on loans and leases outstanding and real estate owned as of the respective dates. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">4.09 <B>Litigation and Pending Proceedings</B>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) Except for lawsuits involving collection of delinquent accounts and other matters involving Horizon or its Subsidiaries in the ordinary
course of its business, there are no claims, actions, suits, proceedings, mediations, arbitrations or investigations pending and served against Horizon or any of its Subsidiaries or threatened in any court or before any government agency or
authority, arbitration panel or otherwise against Horizon or any of its Subsidiaries which, if determined adversely to Horizon or any of its Subsidiaries, would have a Material Adverse Effect on Horizon. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) Neither Horizon nor any of its Subsidiaries is: (i)&nbsp;subject to any outstanding judgment, order, writ, injunction or decree of any
court, arbitration panel or governmental agency or authority; (ii)&nbsp;presently charged with or under governmental investigation with respect to, any actual or alleged violations of any law, statute, rule, regulation or ordinance; or
(iii)&nbsp;the subject of any pending or threatened proceeding by any government regulatory agency or authority having jurisdiction over their respective business, assets, capital, properties or operations. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">4.10 <B>Taxes, Returns and Reports</B>. Each of Horizon and its Subsidiaries has since January&nbsp;1, 2010 (a)&nbsp;duty and timely filed all
material federal, state, local and foreign tax returns </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-30 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
of every type and kind required to be filed, and each such return is true, accurate and complete in all material respects; (b)&nbsp;paid or otherwise adequately reserved in accordance with GAAP
for all taxes, assessments and other governmental charges due or claimed to be due upon it or any of its income, properties or assets, unless being contested in good faith; and (c)&nbsp;not requested an extension of time for any such payments (which
extension is still in force). Horizon has established, and shall establish in future publicly-filed financial statements, in accordance with GAAP, a reserve for taxes in the Horizon Financial Statements adequate to cover all of Horizon&#146;s and
its Subsidiaries tax liabilities (including, without limitation, income taxes, payroll taxes and withholding, and franchise fees) for the periods then ending. Neither Horizon nor any of its Subsidiaries, to their knowledge, has, nor will any of them
have, any liability for material taxes of any nature for or with respect to the operation of its business, from the date hereof up to and including the Effective Time, except to the extent set forth in Horizon&#146;s future publicly-filed financial
statements and as accrued or reserved for on the books and records of Horizon or its Subsidiaries. Except as disclosed in the Horizon Disclosure Schedule, neither Horizon nor any of its Subsidiaries is currently under audit by any state or federal
taxing authority. Except as disclosed in the Horizon Disclosure Schedule, no federal, state or local tax returns of Horizon or any of its Subsidiaries have been audited by any taxing authority during the past five (5)&nbsp;years. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">4.11 <B>Deposit Insurance</B>. The deposits of Horizon Bank are insured by the Federal Deposit Insurance Corporation in accordance with the
Federal Deposit Insurance Act, as amended, to the fullest extent provided by applicable law, and Horizon or Horizon Bank has paid or properly reserved or accrued for all current premiums and assessments with respect to such deposit insurance. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">4.12 <B>BSA/AML</B>. Neither Horizon nor any of its Subsidiaries has received any notice or communication from any regulatory authority
alleging violation of, or noncompliance with, any BSA/AML Law.&nbsp;Horizon and its Subsidiaries have not been cited, fined or otherwise notified of any failure by it to comply with a BSA/AML Law which has not been cured.&nbsp;To the knowledge of
Horizon and its Subsidiaries, there are no facts or circumstances that could form the basis for assertion of any proceeding against Horizon or its Subsidiaries under any BSA/AML Law that, if determined adversely to Horizon or its Subsidiaries, could
reasonably be expected to adversely affect Horizon or its Subsidiaries. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">4.13 <B>Community Reinvestment Act</B>. Horizon Bank received a
rating of &#147;satisfactory&#148; or better in its most recent examination or interim review with respect to the Community Reinvestment Act. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">4.14 <B>Approval Delays</B>. To the knowledge of Horizon, there is no reason why the granting of any of the Regulatory Approvals would be
denied or unduly delayed. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">4.15 <B>Horizon Securities and Exchange Commission Filings</B>. Horizon has filed all material reports and other
filings with the Securities and Exchange Commission (the &#147;<B>SEC</B>&#148;) required to be filed by it (&#147;<B>SEC Reports</B>&#148;). All such SEC Reports were true, accurate and complete in all material respects as of the dates of the SEC
Reports, and no such filings contained any untrue statement of a material fact or omitted to state a material fact necessary in order to make the statements, at the time and in the light of the circumstances under which they were made, not false or
misleading. As of the date of this Agreement, there are no outstanding or </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-31 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
unresolved comments in any comment letters received by Horizon, and to the knowledge of Horizon, none of the SEC Reports is the subject of any ongoing review by the SEC. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">4.16 <B>Environmental Matters</B>. With respect to all real property presently owned, leased or used by Horizon or any of its Subsidiaries,
Horizon and its Subsidiaries have conducted their respective business in material compliance with the Environmental Laws. There are no pending or threatened claims, actions or proceedings by any local municipality, sewage district or other
governmental entity against Horizon or any of its Subsidiaries with respect to the Environmental Laws, and, to Horizon&#146; knowledge, there is no reasonable basis or grounds for any such claim, action or proceeding. No environmental clearances are
required for the conduct of the business of Horizon or any of its Subsidiaries as currently conducted or the consummation of the Merger or any of the other transactions contemplated hereby. Neither Horizon nor any of its Subsidiaries is the owner,
or has been in the chain of title or the operator or lessee, of any property on which any substances have been used, stored, deposited, treated, recycled or disposed of, other than in compliance with Environmental Laws and which substances, if known
to be present on, at or under such property, would require clean-up, removal, treatment, abatement, response costs, or any other remedial action under any Environmental Law. Neither Horizon nor any of its Subsidiaries has any liability for any
clean-up or remediation under any of the Environmental Laws with respect to any real property. </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE V. </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>CERTAIN COVENANTS </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Peoples covenants and agrees with Horizon and covenants and agrees to cause its Subsidiaries to act as follows (and Horizon covenants and
agrees with Peoples as follows): </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">5.01 <B>Shareholder Approval</B>. Peoples shall submit this Agreement to its shareholders for approval
and adoption at a meeting to be called and held in accordance with applicable law and the Articles of Incorporation and Bylaws of Peoples (the &#147;<B>Peoples Shareholders&#146; Meeting</B>&#148;) as soon as reasonably practicable after the date of
this Agreement and the effectiveness of the Registration Statement. Subject to <U>Section&nbsp;5.06</U> hereof, the Board of Directors of Peoples shall recommend to Peoples&#146; shareholders that such shareholders approve and adopt this Agreement
and the Merger contemplated hereby and will solicit proxies voting in favor of this Agreement from Peoples&#146; shareholders. Additionally, each director of Peoples and Peoples Bank shall agree to vote any shares of Peoples Common Stock he or she
owns, beneficially or of record, in favor of the Merger pursuant to the agreement attached hereto as <U>Exhibit 5.01</U>. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">5.02 <B>Other
Approvals</B>. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) Peoples shall proceed expeditiously, cooperate fully and use commercially reasonable efforts to assist Horizon in
procuring, upon terms and conditions consistent with the condition set forth in <U>Section&nbsp;7.01(e)</U> hereof, all consents, authorizations, approvals, registrations and certificates, in completing all filings and applications and in satisfying
all other requirements prescribed by law which are necessary for consummation of the Merger on the terms and conditions provided in this Agreement at the earliest possible reasonable date. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-32 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) Peoples will use commercially reasonable efforts to obtain any required third party consents
to agreements, contracts, commitments, leases, instruments and documents described in the Peoples Disclosure Schedule and to which Peoples and Horizon agree are material. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) Any written materials or information provided by Peoples to Horizon for use by Horizon in any filing with any state or federal regulatory
agency or authority shall not contain any untrue or misleading statement of material fact or shall omit to state a material fact necessary to make the statements contained therein, in light of the circumstances in which they are made, not false or
misleading. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">5.03 <B>Conduct of Business</B>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) After the date of this Agreement and until the Effective Time or until this Agreement is terminated as herein provided, each of Peoples and
its Subsidiaries shall: (1)&nbsp;carry on its business diligently, substantially in the manner as is presently being conducted and in the ordinary course of business; (2)&nbsp;use commercially reasonable efforts to preserve its business organization
intact, keep available the services of the present officers and employees and preserve its present relationships with customers and Persons having business dealings with it; (3)&nbsp;use commercially reasonable efforts to maintain all of the
properties and assets that it owns or utilizes in the operation of its business as currently conducted in good operating condition and repair, reasonable wear and tear excepted; (4)&nbsp;maintain its books, records and accounts in the usual, regular
and ordinary manner, on a basis consistent with prior years and in compliance in all material respects with all statutes, laws, rules&nbsp;and regulations applicable to them and to the conduct of its business; and (5)&nbsp;not knowingly do or fail
to do anything which will cause a breach of, or default in, any contract, agreement, commitment, obligation, understanding, arrangement, lease or license to which it is a party or by which it is or may be subject or bound. Specifically, by way of
example but not limitation, after the date of this Agreement and until the Effective Time or until this Agreement is terminated as herein provided, Peoples will not, and will cause its Subsidiaries to not, without the prior written consent of
Horizon: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) make any changes in its capital stock (including, without limitation, any stock issuance, stock split, stock
dividend, recapitalization or reclassification), authorize a class of stock, or issue any stock, or redeem any of its outstanding shares of common stock or other securities; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) distribute or pay any dividends on its shares of common stock, or authorize a stock split, or make any other distribution
to its shareholders, except that each of the Subsidiaries may pay cash dividends to Peoples or Peoples Bank in the ordinary course of business for payment of reasonable and necessary business and operating expenses of Peoples or Peoples Bank and
expenses of the Merger and to provide funds for Peoples&#146; dividends to its shareholders in accordance with this Agreement and Peoples may pay its normal quarterly cash dividends to its shareholders which shall not be increased in per share
amount above the amount of the dividend last declared prior to the date hereof; provided that no dividend may be paid for the quarterly period in which the Merger is scheduled to be consummated or consummated if during such period Peoples&#146;
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-33 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">
shareholders will become entitled to receive dividends on their shares of Horizon Common Stock received pursuant to this Agreement: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iii) purchase or otherwise acquire any investment security for their own account that exceeds $2,000,000 individually or
purchase or otherwise acquire any security other than U.S. Treasury or other governmental obligations or asset-backed securities issued or guaranteed by United States governmental or other governmental agencies, in either case having an average
remaining life of three (3)&nbsp;years or less, or sell any investment security owned by them other than sales made in the ordinary course of business as previously conducted during the past three (3)&nbsp;years and in accordance with applicable
laws and regulations or engage in any activity that would be inconsistent with the classification of investment securities as either &#147;held to maturity&#148; or &#147;available for sale&#148;; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iv) make, renew or otherwise modify any loan, loan commitment, letter of credit or other extension of credit (individually, a
&#147;<B>Loan</B>&#148; and collectively, &#147;<B>Loans</B>&#148;) to any Person if the Loan is an existing credit on the books of Peoples or any Subsidiary and classified as &#147;Other Loans Especially Mentioned,&#148; &#147;Substandard,&#148;
&#147;Doubtful&#148; or &#147;Loss&#148; in an amount in excess of $500,000. Peoples Bank also shall not make, purchase, renew, modify, amend, or extend the maturity of (1)&nbsp;any new commercial Loan in excess of $2,000,000; <I>provided</I>, that
Peoples Bank may, without the consent of Horizon, renew, modify, amend or extend the maturity of existing performing commercial loans (which are not classified or non-accrual) with existing principal balances of $2,000,000 or less, (2)&nbsp;any 1 to
4 family, residential mortgage Loan with a loan to value in excess of 80% (unless private mortgage insurance is obtained) or any other 1 to 4 family, residential mortgage Loan in excess of $417,000, or (3)&nbsp;any Loan participation;
<I>provided</I>, that Peoples may take any such action in respect of any such Loan or Loans if the Chief Credit Officer of Horizon shall be provided with notice of the proposed action in writing and Horizon shall not provide written objection to the
taking of such proposed action within three (3)&nbsp;business days of being provided with such notice (the lack of such objection being deemed prior written consent of Horizon for purposes of this Section); </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(v) acquire any assets of any other person by any means (other than personal property acquired in foreclosure or otherwise in
the ordinary course of collection of indebtedness owed to Peoples Bank) or foreclose upon or otherwise take title to or possession or control of, any real property without first obtaining a Phase I environmental report thereon, prepared by a
reliable and qualified person or firm acceptable to Horizon, which indicates that the real property is free of pollutants, contaminants or hazardous materials; <I>provided, however</I>, that neither Peoples nor Peoples Bank shall be required to
obtain such a report with respect to single family, non-agricultural residential property of one acre or less to be foreclosed upon unless Peoples has reason to believe that such property might contain such hazardous materials or otherwise might be
contaminated; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(vi) except for normal annual compensation increases not to exceed 3.0% granted to employees and except as
contemplated by this Agreement (including severance and change in control payments anticipated to be paid as described in <U>Section&nbsp;5.23</U> and <U>Section&nbsp;6.04(h)</U> hereof, and retention bonuses contemplated by <U>Section&nbsp;6.04(i)
</U> </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-34 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">
hereof), pay or agree to pay, conditionally or otherwise, any additional compensation (including bonuses) or severance benefit or otherwise make any changes with respect to the fees or
compensation payable (or to become payable) to consultants, directors, officers or salaried employees or, except as required by law and except as contemplated by this Agreement, adopt or make any change in any Peoples Plan or other arrangement
(including any agreement for indemnification) or payment made to, for or with any of such consultants, directors, officers or employees, or hire any employee with an annual salary greater than $50,000; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(vii) fail to accrue, pay, discharge and satisfy all debts, liabilities, obligations and expenses, including, but not limited
to, trade payables, incurred in the regular and ordinary course of business as such debts, liabilities, obligations and expenses become due, unless the same are being contested in good faith; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(vii) except for obligations disclosed in this Agreement, short-term FHLB advances, federal funds purchased by Peoples Bank,
trade payables and similar liabilities and obligations incurred in the ordinary course of business and the payment, discharge or satisfaction in the ordinary course of business of liabilities reflected in the Peoples Financial Statements or the
Subsequent Peoples Financial Statements, borrow any money or incur any indebtedness in an aggregate amount exceeding $50,000; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ix) change in its accounting methods, except as may be necessary and appropriate to conform to (1)&nbsp;changes in tax law
requirements, (2)&nbsp;changes in GAAP or regulatory accounting principles, as required by Peoples&#146; independent auditors or its regulatory authorities, or (3)&nbsp;changes requested by Horizon pursuant to this Agreement; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(x) make, change or revoke any material tax election, file any material amended tax return, enter into any closing agreement
with respect to a material amount of taxes, settle any material tax claim or assessment or surrender any right to claim a refund of a material amount of taxes; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xi) enter into any contract, agreement, lease, commitment, understanding, arrangement or transaction or incur any liability or
obligation (other than as contemplated by <U>Section&nbsp;5.03(a)(iv)</U> hereof and legal, accounting and investment banking or financial advisory fees related to the Merger) requiring payments by Peoples or any of its Subsidiaries which exceed
$50,000, whether individually or in the aggregate (other than trade payables or otherwise incurred in the ordinary course of business) or which have a term of two (2)&nbsp;years or longer; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xii) except as required by applicable law or regulation: (1)&nbsp;implement or adopt any material change in its interest rate
risk management or hedging policies, procedures or practices; (2)&nbsp;fail to follow its existing policies or practices with respect to managing its exposure to interest rate risk; or (3)&nbsp;fail to use commercially reasonable means to avoid any
material increase in its aggregate exposure to interest rate risk; </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-35 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xiii) take any action that would change Peoples Bank&#146;s loan loss reserves
that is not in compliance with Peoples Bank&#146;s policy and past practices consistently applied and in compliance with GAAP; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xiv) except as already committed in writing as of the date of this Agreement, cancel, release or compromise any indebtedness
in excess of $100,000 owing to Peoples or any Subsidiary or any claims which Peoples or any Subsidiary may possess, or voluntarily waive any material rights with respect thereto; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xv) settle any litigation or claims against Peoples or any Subsidiary unless settlement does not require Peoples or any
Subsidiary to pay any monies, incur any obligation or admit any wrongdoing or liability; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xvi) (1) take any action
reasonably likely to prevent or impede the Merger or the Bank Merger; or (2)&nbsp;take any action that is intended or is reasonably likely to result in (A)&nbsp;any of its representations or warranties set forth in this Agreement being or becoming
untrue at any time at or prior to the Effective Time, (B)&nbsp;any of the conditions to the Merger set forth in this Agreement not being satisfied, or (C)&nbsp;a breach of any provision of this Agreement; except, in each case, as may be required by
applicable law; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xvii) maintain the rate of interest paid by Peoples Bank on any deposit product, including without
limitation on certificates of deposit, in a manner and pursuant to policies inconsistent with past practices; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xviii)
amend the Articles of Incorporation or Bylaws of Peoples, or similar governing documents of any of its Subsidiaries; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xix)
maintain an allowance for loan and lease losses which is not adequate in all material respects under the requirements of GAAP to provide for possible losses, net of recoveries, relating to Loans previously charged off, on Loans and leases
outstanding; or </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xx) agree or commit to do, or enter into any contract regarding, anything that would be precluded by this
Section. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">5.04 <B>Insurance</B>. Peoples and its Subsidiaries shall maintain, or cause to be maintained, in full force and effect,
insurance on its assets, properties and operations, fidelity coverage and directors&#146; and officers&#146; liability insurance in such amounts and with regard to such liabilities and hazards as are currently insured by Peoples or its Subsidiaries
as of the date of this Agreement. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">5.05 <B>Accruals for Loan Loss Reserve and Expenses</B>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) Prior to the Effective Time, Peoples shall and shall cause its Subsidiaries to make, consistent with GAAP and applicable banking laws and
regulations, such appropriate accounting entries in its books and records and use commercially reasonable efforts to take such other actions as Peoples and its Subsidiaries shall deem to be necessary or desirable in anticipation of
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-36 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
the Merger including, without limitation, accruals or the creation of reserves for employee benefits and Merger-related expenses. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) Peoples recognizes that Horizon may have adopted different loan and accounting policies and practices (including loan classifications and
levels of loan loss allowances). Subject to applicable law (including without limitation applicable banking laws and regulations and GAAP), from and after the date hereof Peoples shall consult and cooperate in good faith with Horizon with respect to
conforming the loan and accounting policies and practices of Peoples to those policies and practices of Horizon for financial accounting and/or income tax reporting purposes, as reasonably specified in each case in writing from Horizon to Peoples,
based upon such consultation and subject to the conditions in <U>Section&nbsp;5.05(d)</U>. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) Subject to applicable law (including
without limitation applicable banking laws and regulations and GAAP), Peoples shall consult and cooperate in good faith with Horizon with respect to determining, as reasonably specified in a written notice from Horizon to Peoples, based upon such
consultation and subject to the conditions in <U>Section&nbsp;5.05(d)</U>, the amount and the timing for recognizing for financial accounting and/or income tax reporting purposes of Peoples&#146; expenses of the Merger. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) Subject to applicable law (including without limitation applicable banking laws and regulations and GAAP), Peoples and Peoples Bank shall
make such conforming changes and entries as contemplated in <U>Section&nbsp;5.05(b)</U> and <U>Section&nbsp;5.05(c)</U> above, but in no event prior to the 5th day next preceding the Closing Date and only after Horizon acknowledges that all
conditions to its obligation to consummate the Merger have been satisfied and certifies to Peoples that Horizon will at the Effective Time deliver to Peoples the certificate contemplated in <U>Section&nbsp;7.02 (g)</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) Peoples&#146; representations, warranties and covenants contained in this Agreement shall not be deemed to be untrue or breached in any
respect for any purpose as a consequence of any modifications or changes undertaken at Horizon&#146;s request in compliance with <U>Section&nbsp;5.05(d)</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">5.06 <B>Acquisition Proposals</B>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) Peoples will, and will cause each of its Subsidiaries to, and its and their respective officers, directors and representatives (including
KBW) to, immediately cease and cause to be terminated any existing solicitations, discussions or negotiations with any Person concerning an Acquisition Proposal (as defined below). During the period from the date of this Agreement through the
Effective Time, Peoples shall not terminate, amend, modify or waive any material provision of any confidentiality or similar agreement to which Peoples or any of its Subsidiaries is a party (other than any involving Horizon). </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) Except as permitted in this <U>Section&nbsp;5.06</U>, Peoples shall not, and shall cause its Subsidiaries and any of their respective
directors, officers and representatives (including KBW) not to, (i)&nbsp;solicit, initiate or knowingly encourage or facilitate, or take any other action designed to, or that could reasonably be expected to facilitate (including by way of furnishing
non-public information) any inquiries with respect to an Acquisition Proposal, or (ii)&nbsp;initiate, participate in </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-37 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
or knowingly encourage any discussions or negotiations or otherwise knowingly cooperate in any way with any Person regarding an Acquisition Proposal; <I>provided, however</I>, that, at any time
prior to obtaining the approval of the Merger by Peoples&#146; shareholders, if Peoples receives a bona fide Acquisition Proposal that the Peoples Board of Directors determines in good faith constitutes a Superior Proposal (as defined below) that
was not solicited after the date hereof and did not otherwise result from a breach of Peoples&#146; obligations under this <U>Section&nbsp;5.06</U>, Peoples may furnish, or cause to be furnished, non-public information with respect to Peoples and
its Subsidiaries to the Person who made such proposal (provided that all such information has been provided to Horizon prior to or at the same time it is provided to such Person) and may participate in discussions and negotiations regarding such
proposal if (A)&nbsp;the Peoples Board of Directors determines in good faith, and following consultation with financial advisors and outside legal counsel, that failure to do so would be reasonably likely to result in a breach of its fiduciary
duties to Peoples&#146; shareholders under applicable law and (B)&nbsp;prior to taking such action, Peoples has used its best reasonable efforts to enter into a confidentiality agreement with respect to such proposal that contains a standstill
agreement on customary terms. Without limiting the foregoing, it is agreed that any violation of the restrictions contained in the first sentence of this <U>Section&nbsp;5.06(b)</U> by any representative (including KBW) of Peoples or its
Subsidiaries shall be a breach of this <U>Section&nbsp;5.06</U> by Peoples. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) Neither the Peoples Board of Directors nor any committee
thereof shall (or shall agree or resolve to) (i)&nbsp;fail to make, withdraw or modify in a manner adverse to Horizon or propose to withdraw or modify in a manner adverse to Horizon (or take any action inconsistent with) the recommendation by such
Peoples Board of Directors or any such committee of this Agreement or the Merger, or approve or recommend, or propose to recommend, the approval or recommendation of any Acquisition Proposal (any of the foregoing being referred to herein as an
&#147;<B>Adverse Recommendation Change</B>&#148;), or (ii)&nbsp;cause or permit Peoples or Peoples Bank to enter into any letter of intent, memorandum of understanding, agreement in principle, acquisition agreement, merger agreement, option
agreement, joint venture agreement, partnership agreement or other agreement (each, an &#147;<B>Acquisition Agreement</B>&#148;) constituting or related to, or which is intended to or would be reasonably likely to lead to, any Acquisition Proposal
(other than a confidentiality agreement referred to in <U>Section&nbsp;5.06(b)</U>). Notwithstanding the foregoing, at any time prior to the special meeting of Peoples&#146; shareholders to approve the Merger, the Peoples Board of Directors may, in
response to a Superior Proposal, effect an Adverse Recommendation Change, <I>provided</I>, that the Peoples Board of Directors determines in good faith, after consultation with its outside legal counsel and financial advisors, that the failure to do
so would be reasonably likely to result in a breach of its fiduciary duties to the shareholders of Peoples under applicable Law, and <I>provided, further</I>, that the Peoples Board of Directors may not effect such an Adverse Recommendation Change
unless (A)&nbsp;the Peoples Board shall have first provided prior written notice to Horizon (an &#147;<B>Adverse Recommendation Change Notice</B>&#148;) that it is prepared to effect an Adverse Recommendation Change in response to a Superior
Proposal, which notice shall, in the case of a Superior Proposal, attach the most current version of any proposed written agreement or letter of intent relating to the transaction that constitutes such Superior Proposal (it being understood that any
amendment to the financial terms or any other material term of such Superior Proposal shall require a new notice and a new ten (10)&nbsp;business day period) and (B)&nbsp;Horizon does not make, within ten (10)&nbsp;business days after receipt of
such notice, a proposal that would, in the reasonable good faith judgment of the Peoples Board of Directors (after consultation with financial advisors and outside legal counsel), cause the offer </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-38 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
previously constituting a Superior Proposal to no longer constitute a Superior Proposal or that the Adverse Recommendation Change is no longer required to comply with the Peoples Board&#146;s
fiduciary duties to the shareholders of Peoples under applicable law. Peoples agrees that, during the ten (10)&nbsp;business day period prior to its effecting an Adverse Recommendation Change, Peoples and its officers, directors and representatives
shall negotiate in good faith with Horizon and its officers, directors, and representatives regarding any revisions to the terms of the transactions contemplated by this Agreement proposed by Horizon. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) In addition to the obligations of Peoples set forth in paragraphs (a), (b)&nbsp;and (c)&nbsp;of this <U>Section&nbsp;5.06</U>, Peoples
shall as promptly as possible, and in any event within two (2)&nbsp;business days after Peoples first obtains knowledge of the receipt thereof, advise Horizon orally and in writing of (i)&nbsp;any Acquisition Proposal or any request for information
that Peoples reasonably believes could lead to or contemplates an Acquisition Proposal or (ii)&nbsp;any inquiry Peoples reasonably believes could lead to any Acquisition Proposal, the terms and conditions of such Acquisition Proposal, request or
inquiry (including any subsequent amendment or other modification to such terms and conditions) and the identity of the Person making any such Acquisition Proposal or request or inquiry. In connection with any such Acquisition Proposal, request or
inquiry, if there occurs or is presented to Peoples any offer, material change, modification or development to a previously made offer, letter of intent or any other material development, Peoples (or its outside counsel) shall (A)&nbsp;advise and
confer with Horizon (or its outside counsel) regarding the progress of negotiations concerning any Acquisition Proposal, the material resolved and unresolved issues related thereto and the material terms (including material amendments or proposed
amendments as to price and other material terms) of any such Acquisition Proposal, request or inquiry, and (B)&nbsp;promptly upon receipt or delivery thereof provide Horizon with true, correct and complete copies of any document or communication
related thereto. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) For purposes of this Agreement, &#147;<B>Acquisition Proposal</B>&#148; shall mean (i)&nbsp;any inquiry, proposal or
offer from any Person or group of Persons (other than as contemplated by this Agreement) relating to, or that could reasonably be expected to lead to, any direct or indirect acquisition or purchase, in one transaction or a series of transactions, of
(A)&nbsp;assets or businesses that constitute 20% or more of the revenues, net income or assets of Peoples and its Subsidiaries, taken as a whole, or (B)&nbsp;20% or more of any class of equity securities of Peoples or any of its Subsidiaries;
(ii)&nbsp;any tender offer or exchange offer that, if consummated, would result in any Person beneficially owning 20% or more of any class of equity securities of Peoples or any of its Subsidiaries; (iii)&nbsp;any merger, consolidation, business
combination, recapitalization, liquidation, dissolution, joint venture, binding share exchange or similar transaction involving Peoples, Peoples Bank or any of its other Subsidiaries pursuant to which any Person or the shareholders of any Person
would own 20% or more of any class of equity securities of Peoples, Peoples Bank, or any of Peoples&#146; other Subsidiaries or of any resulting parent company of Peoples or Peoples Bank; or (iv)&nbsp;any other transaction the consummation of which
could reasonably be expected to impede, interfere with, prevent or materially delay the Merger or that could reasonably be expected to dilute materially the benefits to Horizon of the transactions contemplated hereby, other than the transactions
contemplated hereby. For purposes of this <U>Section&nbsp;5.06</U>, a &#147;<B>Person</B>&#148; shall include a natural Person, or any legal, commercial, or Governmental Authority, including, a corporation, general partnership, joint venture,
limited partnership, limited liability company, </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-39 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
trust, business association, group acting in concert, or any Person acting in a representative capacity. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f) For purposes of this Agreement, &#147;<B>Superior Proposal</B>&#148; shall mean any Acquisition Proposal (but changing the references to
&#147;20% or more&#148; in the definition of &#147;<B>Acquisition Proposal</B>&#148; to &#147;50% or more&#148;) that the Peoples Board determines in good faith (after having received the advice of its financial advisors), to be (i)&nbsp;materially
more favorable to the shareholders of Peoples from a financial point of view and its other constituencies than the Merger (taking into account all the terms and conditions of such proposal and this Agreement (including any break-up fees, expense
reimbursement provisions and conditions to consummation and any changes to the financial terms of this Agreement proposed by Horizon in response to such offer or otherwise)) and (ii)&nbsp;reasonably capable of being completed without undue delay
taking into account all financial, legal, regulatory and other aspects of such proposal. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">5.07 <B>Press Releases</B>. Horizon and Peoples
shall use reasonable efforts (i)&nbsp;to develop a joint communications plan with respect to this Agreement and the transactions contemplated hereby, (ii)&nbsp;to ensure that all press releases and other public statements with respect to this
Agreement and the transactions contemplated hereby shall be consistent with such joint communications plan, and (iii)&nbsp;except where (and to the extent that) such prior consultation is not reasonably possible due to time considerations in respect
of any announcement required by applicable law or by obligations pursuant to any listing agreement with or rules of the NASDAQ Global Market, to consult with each other before issuing any press release or otherwise making any public statement with
respect to this Agreement or the transactions contemplated hereby. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">5.08 <B>Material Changes to Disclosure Schedules</B>. Peoples shall
promptly supplement, amend and update, upon the occurrence of any change prior to the Effective Time, and as of the Effective Time, the Peoples Disclosure Schedule with respect to any matters or events hereafter arising which, if in existence or
having occurred as of the date of this Agreement, would have been required to be set forth or described in the Peoples Disclosure Schedule or this Agreement and including, without limitation, any fact which, if existing or known as of the date
hereof, would have made any of the representations or warranties of Peoples contained herein incorrect, untrue or misleading. No such supplement, amendment or update shall become part of the Peoples Disclosure Schedule unless Horizon shall have
first consented in writing with respect thereof. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">5.09 <B>Access; Information</B>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) Horizon and Peoples, and their representatives and agents, shall, upon reasonable notice to the other party, at all times during normal
business hours prior to the Effective Time, have full and continuing access to the properties, facilities, operations, books and records of the other party. Horizon and Peoples, and their representatives and agents may, prior to the Effective Time,
make or cause to be made such reasonable investigation of the operations, books, records and properties of the other party and their Subsidiaries and of their financial and legal condition as deemed necessary or advisable to familiarize themselves
with such operations, books, records, properties and other matters; <I>provided, however</I>, that such access or investigation shall not </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-40 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
interfere unnecessarily with the normal business operations of Peoples or Horizon or either of their Subsidiaries. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) No investigation by Horizon or Peoples shall affect the representations and warranties made by Peoples or Horizon herein. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) Any confidential information or trade secrets received by Horizon, Peoples or their representatives or agents in the course of such
examination will be treated confidentially, and any correspondence, memoranda, records, copies, documents and electronic or other media of any kind containing such confidential information or trade secrets or both shall be destroyed by Horizon or
Peoples, as applicable, or at Horizon&#146;s or Peoples&#146; request, returned to Horizon or Peoples, as applicable, in the event this Agreement is terminated as provided in <U>Article VII</U> hereof; <I>provided, however</I>, that the parties may
retain such received confidential information to comply with applicable law or regulation or professional standard or bona fide internal compliance policy requirements. Additionally, any confidential information or trade secrets received by Horizon
or Peoples, or either of their agents or representatives in the course of their examinations (whether conducted prior to or after the date of this Agreement) shall be treated confidentially and in accordance with the Confidentiality Agreement (as
defined in <U>Section&nbsp;11.08</U> hereof). This <U>Section&nbsp;5.09</U> will not require the disclosure of any information to Horizon or Peoples which would be prohibited by law. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) In order to provide for a smooth transition after the Closing beginning on the date of this Agreement, the Chairman of Horizon, or his
designees, shall be entitled to receive notice of all regular and special meetings of the Board of Directors and all committees of Peoples and any of its Subsidiaries, including, without limitation, the loan committee, asset/liability committee,
investment committee, the executive committee, and any other committee of Peoples or its Subsidiaries. Peoples shall also provide Horizon with copies of minutes and consents from all such Board and committee meetings no later than fourteen
(14)&nbsp;days thereafter. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">5.10 <B>Financial Statements</B>. As soon as internally available after the date of this Agreement, Peoples
will deliver to Horizon any additional audited consolidated financial statements which are prepared on its behalf or at its direction, the monthly consolidated unaudited balance sheets and profit and loss statements of Peoples prepared for its
internal use, Peoples Bank&#146;s Call Reports for each quarterly period completed prior to the Effective Time, all other financial reports or statements submitted to regulatory authorities after the date hereof, and all other financial statements
and financial information reasonably requested by Horizon (collectively, &#147;Subsequent Peoples Financial Statements&#148;). The Subsequent Peoples Financial Statements will be prepared on a basis consistent with past accounting practices and GAAP
(to the extent applicable) and shall present fairly the financial condition and results of operations as of the dates and for the periods presented (except in the case of unaudited financial statements or Call Report information for the absence of
notes and/or <FONT STYLE="white-space:nowrap">year-end</FONT> adjustments). </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">5.11 <B>Environmental</B>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) If requested by Horizon, Peoples will cooperate with an environmental consulting firm designated by Horizon that is reasonably acceptable
to Peoples (the &#147;<B>Designated Environmental Consultant</B>&#148;) in connection with the conduct, at any time after the date hereof </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-41 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
(the &#147;<B>Investigation Period</B>&#148;), by the Designated Environmental Consultant of Phase I environmental site assessments and any other investigation reasonably requested by Horizon on
all real property (except single family, non-agricultural residential property of one acre or less) owned or leased by Peoples or any of its Subsidiaries as of the date of this Agreement or acquired thereafter, including OREO. Horizon will proceed
with such assessments, testing and investigations as soon as reasonably practicable after the date of this Agreement and will diligently work to pursue such assessments, testing and investigations through completion. Horizon shall furnish true and
complete copies of any reports of the Designated Environmental Consultant that it receives with respect to any Peoples property, promptly upon Horizon&#146;s receipt of such reports. Horizon shall be responsible for the costs of the Phase I
environmental site assessments, and Horizon and Peoples shall each bear 50% of the costs of any additional environmental investigation or testing as determined to be advisable or recommended by the Designated Environmental Consultant. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) If the Designated Environmental Consultant&#146;s good faith estimate, based upon the results of the Phase I environmental studies and
other diligence and investigation conducted by the Designated Environmental Consultant, of the dollar amount, if any, that Peoples and its Subsidiaries would be required to expend due to a violation of applicable Environmental Laws for all of the
Peoples properties (the &#147;<B>Environmental Liabilities</B>&#148;) for clean-up and remediation relating to pollutants, contaminants, wastes, toxic substances, petroleum, petroleum products and any other materials regulated under the
Environmental Laws with respect to Peoples&#146; or its Subsidiaries&#146; owned or leased real properties (including OREO) or any adjoining properties (the&nbsp;&#147;<B>Estimated Clean-Up Costs</B>&#148;, as further adjusted pursuant to this
<U>Section&nbsp;5.11</U>), is in excess of $500,000 (the &#147;<B>Environmental Liability Threshold</B>&#148;), Horizon shall deliver to Peoples (not later than ten (10)&nbsp;business days of its receipt of the Designated Environmental
Consultant&#146;s good faith estimate) a written notice (an &#147;<B>Environmental Cost Notice</B>&#148;) describing the nature of such Environmental Liabilities and the course of action proposed to be taken by Horizon or its Subsidiaries (if it
were to become the owner of such properties as a result of the Merger) to remediate or otherwise address the environmental problems and providing an estimate of the out of pocket cost of such remediation expected to be incurred (if different from
the Estimated Clean-Up Costs). If Peoples disagrees with Horizon&#146;s estimate of the amount of out of pocket costs of such remediation or the course of action proposed by Horizon, Peoples shall deliver to Horizon a written notice of such
objection (an &#147;<B>Environmental Cost Objection</B>&#148;) within five (5)&nbsp;business days of Peoples&#146; receipt of the Environmental Cost Notice. No later than five (5)&nbsp;business days following Horizon&#146;s receipt of an
Environmental Cost Objection, one or more members of senior management of Horizon and Peoples having authority to resolve the dispute shall meet (in person or by telephone) and shall negotiate in good faith in an attempt to resolve the difference
set forth in the Environmental Cost Objection. Regardless of whether the parties reach a resolution of the dispute within two (2)&nbsp;business days of the first such meeting, subsection (c)&nbsp;shall apply. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) The Estimated Clean-up Costs shall be deemed to have been established for purposes of this <U>Section&nbsp;5.11</U>: (i)&nbsp;if Horizon
does not receive an Environmental Cost Objection, as of the last date that an Environmental Cost Objection would have been timely under subsection (b)&nbsp;above, or (ii)&nbsp;if an Environmental Cost Objection is delivered to Horizon and finally
resolved as set forth in subsection (b)&nbsp;hereof or if it remains unresolved under such subsection (in which event the Estimated Clean-Up Costs shall be as set forth in the </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-42 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
Environmental Cost Notice), then as of the date of such resolution or on the third business day if unresolved (as the case may be) (as applicable, the &#147;<B>Environmental Costs Determination
Date</B>&#148;). Following the establishment of the Estimated Clean-up Costs, if the Estimated Clean-Up Costs are (A)&nbsp;between $500,000 and $2.0 million, then Horizon shall have the right to reduce the Cash Consideration by the Estimated
Clean-up Costs, or (B)&nbsp;more than $2.0 million, then Horizon shall have the right to either (1)&nbsp;reduce the Cash Consideration by the Estimated Clean-up Costs or (2)&nbsp;terminate this Agreement pursuant to <U>Section&nbsp;8.01(c)(iv)</U>,
which termination right shall be Horizon&#146;s sole remedy in such event. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">5.12 <B>Governmental Reports and Shareholder Information</B>.
Promptly upon its becoming available, Peoples shall furnish to Horizon one (1)&nbsp;copy of each financial statement, report, notice, or proxy statement sent by Peoples to any Governmental Authority or to Peoples&#146; shareholders, and of any order
issued by any Governmental Authority in any proceeding to which Peoples is a party. For purposes of this Agreement, &#147;<B>Governmental Authority</B>&#148; shall mean any government (or any political subdivision or jurisdiction thereof), court,
bureau, agency or other governmental entity having or asserting jurisdiction over the applicable party or its business, operations or properties. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">5.13 <B>Adverse Actions</B>. Peoples shall not knowingly take any action that is intended or is reasonably likely to result in (a)&nbsp;any of
its representations and warranties set forth in this Agreement being or becoming untrue in any respect at any time at or prior to the Effective Time, (b)&nbsp;any of the conditions to the Merger set forth in <U>Article IV</U> not being satisfied,
(c)&nbsp;a material violation of any provision of this Agreement or (d)&nbsp;a material delay in the consummation of the Merger except, in each case, as may be required by applicable law or regulation. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">5.14 <B>Employee Benefits and Employees</B>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) Neither the terms of <U>Section&nbsp;6.04</U> hereof nor the provision of any employee benefits by Horizon or any of its Subsidiaries to
employees of Peoples or any of its Subsidiaries shall: (a)&nbsp;create any employment contract, agreement or understanding with or employment rights for, or constitute a commitment or obligation of employment to, any of the officers or employees of
Peoples or any of its Subsidiaries; or (b)&nbsp;prohibit or restrict Horizon or its Subsidiaries, whether before or after the Effective Time, from changing, amending or terminating any employee benefits provided to its employees from time to time.
</P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) Before the date that is sixty (60)&nbsp;days prior to Closing, Horizon will use its best efforts to notify Peoples of the employees
Horizon intends to retain after the Effective Time. Prior to the Closing Date, Peoples shall be responsible for timely giving any notices to, and terminating, any employees whose employment will not be continued by Horizon, and Peoples shall pay any
and all amounts which are then due and payable to such employees in connection with the termination of their employment, including, but not limited to, all accrued vacation and sick pay and the severance amounts contemplated by
<U>Section&nbsp;6.04(h)</U> of this Agreement. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) Before Closing, with Peoples&#146; prior consent (which consent shall not be
unreasonably withheld), Horizon may conduct such training and other programs as it may, in its reasonable discretion and at its sole expense, elect to provide for those employees who will be continuing employment with Horizon; <I>provided,
however</I>, that such training and other programs </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-43 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
shall not materially interfere with or prevent the performance of the normal business operations of Peoples. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">5.15 <B>Noncompetition Agreements</B>. Concurrently with the execution of this Agreement, Peoples shall cause to be delivered to Horizon a
Non-Competition, Non-Solicitation and Non-Disclosure Agreement (the&nbsp;&#147;<B>Noncompetition Agreements</B>&#148;) executed by each of Maurice F. Winkler, III and Steven H. Caryer in the forms of <U>Exhibit 5.15(a)</U> and
<U>(b)</U>&nbsp;hereto. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">5.16 <B>Termination of Peoples 401(k) Plan</B>. Prior to the Effective Time: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) Peoples maintains the Peoples Bancorp Employees&#146; Savings&nbsp;&amp; Profit Sharing Plan and Trust (the &#147;Peoples 401(k)
Plan&#148;). Peoples shall make contributions to the Peoples 401(k) Plan between the date hereof and the Effective Time consistent with the terms of the Peoples 401(k) Plan and past practices, including, but not limited to, elective deferral
contributions of those Peoples 401(k) Plan participants who are employed by Peoples or its Subsidiaries. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) As soon as practicable
following the execution of this Agreement, Peoples, pursuant to the provisions of the Peoples 401(k) Plan, shall, subject to review and approval by Horizon: (i)&nbsp;adopt resolutions to terminate, subject to the consummation of the Merger, the
Peoples 401(k) Plan, consistent with the provisions of Code Section&nbsp;401(k)(10), effective as of a date that is not later than the day before the Effective Time (the &#147;<B>Plan Termination Date</B>&#148;) and (ii)&nbsp;amend the Peoples
401(k) Plan effective as of a date not later than the Plan Termination Date to freeze participation in and benefit accruals under the Peoples 401(k) Plan and to provide that no distributions of accrued benefits shall be made from the Peoples 401(k)
Plan, or its related employee benefit trust, subsequent to the Plan Termination Date until such time as the Internal Revenue Service issues a favorable determination letter to the effect that the plan termination does not adversely affect the
Peoples 401(k) Plan&#146;s qualification for favorable income tax treatment under the Code, other than distributions required by the terms of the Peoples 401(k) Plan to be made upon retirement, death, disability, or termination of employment, or any
other event, other than the plan termination, that requires a distribution from the Peoples 401(k) Plan. Notwithstanding the preceding provisions, participants with outstanding plan loans under the Peoples 401(k) Plan as of the Effective Time shall
be permitted to continue repaying such outstanding loans (subject to the terms and conditions of such plan and the related loan procedures) on and after the Effective Time and until such time as plan termination distributions are paid pursuant to
the preceding sentence. At such time as the loans are required to be repaid or will be taxed to the borrower if not repaid (the &#147;<B>401(k) Loan Repayment Date</B>&#148;), Peoples Bank or its successor, if any, shall cause loans to be made,
outside of any tax-qualified retirement plan, to those Peoples Bank employees who had loans outstanding under the 401(k) Plan as of the 401(k) Loan Repayment Date, in an amount not to exceed the outstanding loan balance as of the 401(k) Loan
Repayment Date, <I>provided</I> that any such Peoples Bank employee completes any necessary documentation and is determined to qualify for such loan under applicable loan policies and underwriting standards of Peoples Bank. Each such refinancing
loan shall have a fixed rate of interest not to exceed four percent (4.0%)&nbsp;per annum and shall have an amortization period not to exceed the remaining term of the loan granted under the 401(k) Plan. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-44 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) As soon as practicable following the execution of this Agreement, Peoples will file, or cause
to be filed, with the Internal Revenue Service an application for a favorable determination letter upon termination of the Peoples 401(k) Plan (IRS Form 5310 and related attachments) requesting the issuance to Peoples of the favorable determination
letter described in the preceding subsection (b). A copy of the competed and filed IRS Form 5310 shall be provided to Horizon at least five (5)&nbsp;business days prior to the Effective Time. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) Any contributions due to the Peoples 401(k) Plan for the period prior to the Plan Termination Date, and not yet paid on the Plan
Termination Date, will be contributed by Peoples as soon as administratively feasible following the Plan Termination Date. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) Peoples
shall continue in full force and effect, until the Effective Time: (i)&nbsp;the fidelity bond, if any, issued to Peoples as described in ERISA Section&nbsp;4.12; and (ii)&nbsp;the ERISA fiduciary liability insurance policy currently in effect, if
any, for the benefit of the covered fiduciaries of the Peoples 401(k) Plan and the Pension Plan. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">5.17 <B>Maintenance of Pension Plan</B>.
As of the Effective Time, Peoples Bank shall transfer sponsorship of its participation in the Pension Plan to Horizon Bank and Horizon Bank shall assume such sponsorship. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">5.18 <B>Disposition of Fully Insured Welfare Benefit and Sec. 125 Plans</B>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) All fully insured welfare benefit (health, dental/vision, life/AD&amp;D, LTD), and Internal Revenue Code Section&nbsp;125, or
&#147;cafeteria,&#148; plans currently sponsored by Peoples or Peoples Bank shall continue as separate plans after the Effective Time until such time as Horizon determines, in its sole discretion, that it will terminate any or all of such plans.
Notwithstanding the foregoing, should Horizon determine, in its sole discretion, that Continuing Employees will be offered benefits under the welfare benefit and cafeteria plans sponsored by Horizon, such plans may be terminated as of the Effective
Time in the sole discretion of Horizon. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) As of the Effective Time, and to the extent not prohibited by applicable law, Peoples shall
take, or cause to be taken, all actions necessary to assign any and all applicable group insurance policies to Horizon and to provide Horizon all necessary financial, enrollment, eligibility, contractual and other information related to its welfare
benefit and cafeteria plans to assist Horizon in the administration of such plans, unless Horizon determines that any or all of the group insurance policies should be terminated as of the Effective Time. In the event that Horizon determines not to
continue any or all of Peoples&#146; group insurance policies, Peoples shall take, or cause to be taken, all actions necessary to terminate said policies as of the Effective Time. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) From the date of this Agreement through the Effective Time, Peoples shall continue to: (i)&nbsp;pay the applicable insurance premiums
necessary to continue the benefits under Peoples&#146; fully insured welfare benefit plans; (ii)&nbsp;contribute to the cafeteria plan the pre-tax amounts which the cafeteria plan participants elect to defer from compensation; and (iii)&nbsp;pay all
eligible claims incurred, in accordance with the terms and conditions of such plan, under the cafeteria plan&#146;s health and dependent care flexible spending accounts prior to the Effective Time. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-45 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) As of the date of any future termination of the Peoples cafeteria plan, the balances in the
health and dependent care flexible spending accounts thereunder shall be transferred to the applicable components of the Horizon cafeteria plan, unless Horizon terminates the Peoples cafeteria plan at the end of the Peoples cafeteria plan&#146;s
&#147;plan year.&#148; In the event that Horizon terminates the Peoples cafeteria plan at a time other than at the end of the applicable plan year, benefit and compensation deferral elections in effect at that time shall be continued under the
Horizon cafeteria plan, subject to subsequent changes as provided in the Horizon plan. All benefit payments related to the transferred balances shall be made in accordance with the Horizon cafeteria plan. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">5.19 <B>Peoples Bank Merger</B>. Prior to the Effective Time, Peoples shall, and cause Peoples Bank to, cooperate with Horizon and take such
action as reasonably requested by Horizon and necessary to (i)&nbsp;merge Peoples Bank with and into Horizon Bank as of the Effective Time, or (ii)&nbsp;reconstitute the directors and officers of Peoples Bank as of the Effective Time to be the same
as the directors and officers of Horizon Bank at the Effective Time, and amend the Articles of Incorporation and Bylaws of Peoples Bank as of the Effective Time or make such other changes as Horizon Bank may request if necessary to accomplish the
same. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">5.20 <B>Cooperation on Conversion of Systems</B>. Peoples agrees to commence immediately after the date of this Agreement (and
continue until Closing or completed) using its best efforts to ensure an orderly transfer of information, processes, systems and data to Horizon and to otherwise assist Horizon in facilitating the conversion of all of Peoples&#146; systems into, or
to conform with, Horizon&#146;s systems; so that, as of the Closing, the systems of Peoples are readily convertible to Horizon&#146;s systems to the fullest extent possible without actually converting them prior to the Closing. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">5.21 <B>Installation/Conversion of Equipment</B>. After receipt of all Regulatory Approvals and prior to Closing, at times mutually agreeable
to Horizon and Peoples, Horizon may, at Horizon&#146;s sole expense, install teller equipment, platform equipment, security equipment, and computers, at the Peoples and Peoples Bank offices, branches and ATM locations, and Peoples shall cooperate
with Horizon in connection with such installation; <I>provided, however</I>, that such installations shall not interfere with the normal business activities and operations of Peoples or Peoples Bank or require material alterations to Peoples&#146;
or Peoples Bank&#146;s facilities. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">5.22 <B>Supplemental Life Insurance Plan</B>. Prior to the Effective Time, Peoples shall, or shall
cause Peoples Bank to, take any and all action necessary to terminate in accordance with the terms and conditions thereof and without resulting liability to Horizon or any of its affiliates, the Peoples Bank 2011 Supplemental Life Insurance Plan.
</P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">5.23 <B>Employment Agreements</B>. Peoples agrees to pay out all amounts payable pursuant to the employment agreements with Peoples and
Peoples Bank dated December&nbsp;17, 2013, of (1)&nbsp;Jeffrey H. Gatton, (2)&nbsp;Steven H. Caryer, and (3)&nbsp;Maurice F. Winkler, III (collectively, the &#147;<B>Employment Agreements</B>&#148;), as identified in the Peoples Disclosure Schedule
as if the change in control payments contemplated by the Employment Agreements had been triggered by the Merger, provided that Messrs. Winkler, Caryer and Gatton enter into Mutual Termination of Employment Agreements in the form of <U>Exhibit
5.23(a)</U>, <U>Exhibit 5.23(b)</U> and </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-46 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
<U>Exhibit 5.23(c)</U> hereto, respectively; <I>provided, further</I>, that Messrs. Winkler and Caryer enter into Noncompetition Agreements in the forms of <U>Exhibit 5.15(a)</U> and <U>(b)</U>,
respectively, and Mr.&nbsp;Gatton enter into an employment agreement in the form of <U>Exhibit 7.01(p)</U>. Such payments will be made in a lump sum no later than the Effective Time. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">5.24 <B>SERP Agreements</B>. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a)
Horizon agrees to assume (i)&nbsp;that certain First Savings Bank, FSB Salary Continuation Agreement dated September&nbsp;18, 1996, with Orville Poling, and (ii)&nbsp;that certain First Savings Bank, FSB Salary Continuation Agreement dated
September&nbsp;18, 1996, and Retirement Benefits Agreement dated October&nbsp;26, 2006, each with G. Richard Gatton. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) At or prior to
the Effective Time, Peoples shall, or shall cause Peoples Bank to, take any and all action to amend, consistent with the requirements of Treasury regulation section&nbsp;1.409A-6(a)(1)(i), that certain First Savings Bank, FSB Deferred Fee Agreement
dated October&nbsp;24, 1996, with Stephen Olson, to provide for a lump sum payment to be made at or prior to the Effective Time in full satisfaction of any payments or benefits due thereunder. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">5.25 <B>Pension Plan</B>. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a)
Within twenty-one (21)&nbsp;days of the Closing Date, Peoples shall deliver to Horizon a good faith estimate, as of the date of delivery, of the Pension Plan Termination Costs (as defined below), and such estimate shall be prepared by Pentegra in a
commercially reasonable manner consistent with prior estimates requested by Peoples. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) If the Pension Plan Termination Costs are greater
than $6,900,000, Horizon shall reduce the Cash Consideration by the amount by which such costs exceed $6,900,000. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) &#147;<B>Pension
Plan Termination Costs</B>&#148; means all gross pre-tax costs incurred in connection with the termination of People&#146;s, or Horizon&#146;s, as successor to Peoples, participation in the Pension Plan and final distribution, whether through the
purchase of annuities or otherwise, of all benefits due and owing upon such termination. </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE VI. </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>COVENANTS OF HORIZON </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Horizon covenants and agrees with Peoples and covenants and agrees to cause its Subsidiaries to act as follows (and Peoples covenants and
agrees with Horizon as follows): </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">6.01 <B>Approvals</B>. Horizon shall have primary responsibility of the preparation, filing and costs of
all bank regulatory applications required for consummation of the Merger, and all parties shall file such applications as promptly as practicable after the execution of this Agreement. Horizon and Peoples shall provide to the other&#146;s counsel
copies of all applications filed and copies of all material written communications with all state and federal bank regulatory agencies relating to such applications. Horizon and Peoples shall cooperate fully and use commercially reasonable efforts
to procure, upon terms and conditions reasonably acceptable to each of them, all consents, authorizations, approvals, registrations and certificates, to complete </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-47 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
all filings and applications and to satisfy all other requirements prescribed by law which are necessary for consummation of the Merger on the terms and conditions provided in this Agreement.
</P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">6.02 <B>SEC Registration</B>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) As soon as practicable following the date of this Agreement, Peoples and Horizon shall prepare the Joint Proxy Statement and Horizon shall
prepare and file with the SEC a registration statement on an appropriate form under the Securities Act of 1933, as amended (the &#147;<B>1933 Act</B>&#148;) Act covering the shares of Horizon Common Stock to be issued pursuant to this Agreement, in
which the Joint Proxy Statement will be included. Such registration statement and any amendments and supplements thereto are referred to in this Agreement as the &#147;<B>Registration Statement</B>.&#148; Horizon shall use its best reasonable
efforts to cause the same to become effective and thereafter, until the Effective Time or termination of this Agreement, to keep the same effective and, if necessary, amend and supplement the same. The Registration Statement shall include a proxy
statement-prospectus reasonably acceptable to Horizon and Peoples (the &#147;<B>Joint Proxy Statement</B>&#148;), prepared for use in connection with the Peoples Shareholders&#146; Meeting and the Horizon Shareholders&#146; Meeting, all in
accordance with the rules and regulations of the SEC. Horizon shall, as soon as practicable after filing the Registration Statement, make all filings required to obtain all blue sky exemptions, authorizations, consents or approvals required for the
issuance of Horizon Common Stock. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) The parties shall use reasonable best efforts to respond (with the assistance of the other party) as
promptly as practicable to any comments of the SEC with respect thereto. If prior to the Effective Time any event occurs with respect to Peoples, Horizon or any Subsidiary of Peoples or Horizon, respectively, or any change occurs with respect to
information supplied by or on behalf of Peoples or Horizon, respectively, for inclusion in the Joint Proxy Statement or the Registration Statement that, in each case, is required to be described in an amendment of, or a supplement to, the Joint
Proxy Statement or the Registration Statement, Peoples or Horizon, as applicable, shall promptly notify the other of such event, and Peoples or, Horizon, as applicable, shall cooperate in the prompt filing with the SEC of any necessary amendment or
supplement to the Joint Proxy Statement and the Registration Statement and, as required by applicable Law, in disseminating the information contained in such amendment or supplement to Peoples&#146; shareholders and to Horizon&#146;s shareholders.
</P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) Horizon will use reasonable best efforts to list for trading on the NASDAQ Global Market (subject to official notice of issuance)
prior to the Effective Time, the shares of Horizon Common Stock to be issued in the Merger. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">6.03 <B>Shareholder Approval</B>. Horizon
shall submit this Agreement to its shareholders for approval and adoption at a meeting to be called and held in accordance with applicable law and the Articles of Incorporation and Bylaws of Horizon (the &#147;<B>Horizon Shareholders&#146;
Meeting</B>&#148;) as soon as reasonably practicable after the date of this Agreement and the effectiveness of the Registration Statement, for the purpose of acting upon this Agreement and the transactions contemplated hereby, including the issuance
of shares of Horizon Common Stock in satisfaction of a portion of the Merger Consideration. The Board of Directors of Horizon shall recommend to Horizon&#146;s shareholders that such shareholders approve and adopt
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-48 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
this Agreement and the Merger contemplated hereby, including the issuance of shares of Horizon Common Stock, and will solicit proxies voting in favor of this Agreement from Horizon&#146;s
shareholders. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">6.04 <B>Employee Benefit Plans and Employee Payments</B>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) Horizon shall make available to the officers and employees of Peoples or any Subsidiary who continue as employees of Horizon or any
Subsidiary after the Effective Time (&#147;<B>Continuing Employees</B>&#148;), substantially the same employee benefits as are generally available to all Horizon employees. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) Horizon and Peoples agree to address any issues related to the differences between the vacation and paid time off policies of Peoples and
any Subsidiary (including, but not limited to any banked paid time) and the vacation and paid time off policies of Horizon, and communicate the proposed reconciliation of the policies to the Continuing Employees prior to the Effective Time.
Effective as of the later of the Effective Time or the date on which the Horizon vacation and paid time off policies are made available to the Continuing Employees, such Continuing Employees will be subject to the terms and conditions of the Horizon
vacation/paid time off policy in place for similarly situated employees of Horizon, with credit given for all prior years of service with Peoples or any Subsidiary for purposes of determining vacation pay eligibility and the amount of such vacation
pay. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) Continuing Employees will receive credit for prior service with Peoples or its Subsidiaries, or their predecessors, for purposes
of eligibility and vesting (but not benefit accrual) under the employee benefit plans of Horizon and its Subsidiaries. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) To the extent
that Horizon determines, in its sole discretion, that Peoples&#146; employee benefit plans should be terminated, Continuing Employees shall become eligible to participate in Horizon&#146;s employee benefit plans as soon as reasonably practicable
after termination. Horizon shall take all necessary steps to: (i)&nbsp;avoid subjecting Continuing Employees to any waiting periods or additional pre-existing condition limitations under the health and dental plans of Horizon or its Subsidiaries in
which they are eligible to participate than they otherwise would have been subject to under the health and dental plans of Peoples; and (ii)&nbsp;to the extent that the initial period of coverage for Continuing Employees under any such Horizon
employee benefit plans is not a full 12-month period of coverage, give credit under the applicable plan for any deductibles and co-insurance payments made by such Continuing Employees under the corresponding Peoples plan during the balance of such
12-month period of coverage. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) To the extent permitted under the terms of any tax-qualified retirement plan maintained by Horizon after
the Effective Time and subject to the terms and conditions thereof, such plan shall accept &#147;eligible rollover distributions&#148; (within the meaning of Code Section&nbsp;402(c)(4)) of cash amounts received from the Peoples 401(k) Plan with
respect to any Continuing Employees. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f) In accordance with <U>Section&nbsp;5.18(a)</U> hereof, after the Effective Time, Horizon shall
continue to maintain all fully insured employee welfare benefit and cafeteria plans currently in effect at the Effective Time until such time as Horizon determines, in its sole discretion, to </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-49 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
modify or terminate any or all of those plans. Claims incurred under the employee welfare benefit and cafeteria plans prior to plan termination shall be paid in accordance with the applicable
plan&#146;s claim submission procedures and deadlines. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(g) Until the Effective Time, Peoples or a Subsidiary of Peoples, whichever is
applicable, shall be liable for all obligations for continued health coverage pursuant to Section&nbsp;4980B of the Code and Sections 601 through 609 of ERISA (&#147;<B>COBRA</B>&#148;) for eligible employees who incur a qualifying event before the
Effective Time. Horizon or a Horizon Subsidiary, whichever is applicable, shall, after the Effective Time, be liable for (i)&nbsp;all obligations for continued health coverage under COBRA with respect to each qualified beneficiary of Peoples or a
Subsidiary of Peoples who incurs a termination on and after the Effective Time, and (ii)&nbsp;for continued health coverage under COBRA from and after the Effective Time for each qualified beneficiary of Peoples or a Subsidiary of Peoples who incurs
a qualifying event before the Effective Time. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(h) Except as to Senior Executives, those employees of Peoples and Peoples Bank as of the
Effective Time (i)&nbsp;who are still employed by Peoples and who Horizon or its Subsidiaries elect not to employ after the Effective Time or who are terminated other than for cause within twelve (12)&nbsp;months after the Effective Date; and
(ii)&nbsp;who sign and deliver a termination and release agreement in a form acceptable to Horizon, shall be entitled to severance pay equal to one (1)&nbsp;week of pay, at their base rate of pay in effect at the time of termination, for each full
year of continuous service with Peoples or Peoples Bank with a minimum of four (4)&nbsp;weeks and a maximum of twenty-six (26)&nbsp;weeks. Such employees will receive their severance in a lump-sum payment. Furthermore, any of such terminated
employees shall be entitled to continuation coverage under Horizon Bank&#146;s group health plans as required by COBRA, subject to timely election and payment of the applicable COBRA premium by such terminated employees. In addition, Horizon, at its
expense will provide group career counseling for the Peoples Bank employees who will not be continuing with Horizon and will make professional career counseling services available through its internal employee assistance program of up to four
(4)&nbsp;visits per employee. Nothing in this Section shall be deemed to limit or modify Horizon&#146;s or Horizon Bank&#146;s at-will employment policy or any employee&#146;s at will employment status. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) Horizon shall authorize the payment of and pay retention bonuses upon reaching certain milestones to selected employees of Peoples or
Peoples Bank identified by Horizon and Peoples, in amounts to be agreed to by Peoples and Horizon. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">6.05 <B>Adverse Actions</B>. Horizon
shall not knowingly take any action that is intended or is reasonably likely to result in (a)&nbsp;any of its representations and warranties set forth in this Agreement being or becoming untrue in any respect at any time at or prior to the Effective
Time, (b)&nbsp;any of the conditions to the Merger set forth in <U>Article VII</U> not being satisfied, (c)&nbsp;a material violation of any provision of this Agreement or (d)&nbsp;a material delay in the consummation of the Merger except, in each
case, as may be required by applicable law or regulation. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">6.06 <B>D&amp;O Insurance and Indemnification</B>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) Subject to the limits of applicable federal banking law and regulations, Horizon shall indemnify and hold harmless (including the
advancement of expenses as incurred) each </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-50 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
present and former director and officer of Peoples and its Subsidiaries, including Peoples Bank (each, an &#147;<B>Indemnified Party</B>&#148;) for a period of six (6)&nbsp;years following the
Effective Time, against any costs or expenses (including reasonable attorneys&#146; fees), judgments, fines, losses, claims, damages or liabilities incurred in connection with any claim, action, suit, proceeding or investigation, whether civil,
criminal, administrative or investigative, arising out of or pertaining to matters existing or occurring at or prior to the Effective Time, whether asserted or claimed prior to, at or after the Effective Time, to the same extent (and subject to the
making of the same findings as to eligibility for such indemnification and/or advancement of expenses) that such Indemnified Party would have been indemnified (or entitled to advancement of expenses) as a director or officer of Peoples or any of its
Subsidiaries under applicable Indiana law or Peoples&#146; or any such Subsidiaries&#146; articles of incorporation or bylaws as in effect as of the date of this Agreement. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) Horizon shall cause the persons serving as officers and directors of Peoples and Peoples Bank immediately prior to the Effective Time to be
covered for a period of three (3)&nbsp;years after the Effective Time by the directors&#146; and officers&#146; liability insurance policy currently maintained by Peoples (the &#147;<B>Existing Policy</B>&#148;) or by a comparable or better policy
(the &#147;<B>Replacement Policy</B>&#148;). Prior to the Effective Time, as instructed by Horizon, Peoples shall cause the applicable broker of record for its Existing Policy and its existing Crime (Bond) Policy to be assigned to Horizon&#146;s
designee. Such assignments in favor of Horizon&#146;s designee shall be executed by Peoples with sufficient time to allow Horizon and its designee to place the insurance required by this Section. The Existing Policy or Replacement Policy, subject to
policy terms and conditions, shall provide coverage with respect to covered acts or omissions occurring prior to the Effective Time; <I>provided, however</I>, that Horizon shall not be required to pay annual premiums for the Existing Policy (or for
any Replacement Policy) in excess of 150% of the annual premium for the current annual term of the Existing Policy (the &#147;<B>Maximum Amount</B>&#148;); and, <I>provided, further</I>, <I>however</I>, that, if notwithstanding the use of reasonable
efforts to do so, Horizon is unable to maintain or obtain the insurance called for by this <U>Section&nbsp;6.06(b)</U>, Horizon shall obtain as much comparable insurance as is available for the Maximum Amount. Horizon&#146;s obligations within this
<U>Section&nbsp;6.06(b)</U> apply solely and exclusively to the Existing Policy and the existing Crime (Bond) Policy at each policy&#146;s current limits of insurance, as well as its other terms, conditions, exclusions and annual premium as of the
date of this Agreement, and which must be continuously maintained in force by Peoples without interruption, cancellation or amendment until the Effective Time or Horizon&#146;s obligations within this Section shall cease. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) The provisions of this <U>Section&nbsp;6.06</U> shall survive the Effective Time and are intended to be for the benefit of, and shall be
enforceable by, each Indemnified Party and his or her heirs and personal representatives. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) In the event that either Horizon or any of
its successors or assigns (i)&nbsp;consolidates with or merges into any other Person and shall not be the continuing or surviving entity of such consolidation or merger, or (ii)&nbsp;transfers all or substantially all of its properties and assets to
any Person, then, and in each such case, proper provision shall be made so that the successors and assigns of Horizon shall assume the obligations set forth in this <U>Section&nbsp;6.06</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">6.07 <B>Material Changes to Horizon Disclosure Schedules</B>. Horizon shall promptly supplement, amend and update, upon the occurrence of any
change prior to the Effective Time, </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-51 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
and as of the Effective Time, the Horizon Disclosure Schedule with respect to any matters or events hereafter arising which, if in existence or having occurred as of the date of this Agreement,
would have been required to be set forth or described in the Horizon Disclosure Schedule or this Agreement and including, without limitation, any fact which, if existing or known as of the date hereof, would have made any of the representations or
warranties of Horizon contained herein materially incorrect, untrue or misleading. No such supplement, amendment or update shall become part of the Horizon Disclosure Schedule unless Peoples shall have first consented in writing with respect
thereof. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">6.08 <B>Northeast Indiana Advisory Board</B>. As soon as reasonably practical after the Closing Date, Horizon agrees to form a
Northeast Indiana Advisory Board and add representatives to the advisory board from the Peoples and Peoples Bank Board and from the communities served by Peoples Bank, as mutually agreed upon. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">6.09 <B>Horizon and Horizon Bank Board</B>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) Horizon shall take all appropriate action so that, as of the Effective Time and subject to and in accordance with the Bylaws of Horizon,
the number of directors constituting the Horizon Board shall be increased by one and Maurice F. Winkler, III, Chief Executive Office and President of Peoples, shall be appointed as a director of Horizon to fill the vacancy created by such increase
for a term expiring at the 2018 annual meeting. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) Horizon shall take all appropriate action in its capacity as sole shareholder of
Horizon Bank so that, as of the Effective Time and subject to and in accordance with the Bylaws of Horizon Bank, the number of directors constituting the board of directors of Horizon Bank shall be increased by one and Maurice F. Winkler, III, Chief
Executive Office and President of Peoples, shall be appointed as a director of Horizon to fill the vacancy created by such increase. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">6.10
<B>Issuance of Horizon Common Stock</B>. The Horizon Common Stock to be issued by Horizon to the shareholders of Peoples pursuant to this Agreement will, on the issuance and delivery to such shareholders pursuant to this Agreement, be duly
authorized, validly issued, fully paid and nonassessable. The Horizon Common Stock to be issued to the shareholders of Peoples pursuant to this Agreement are and will be free of any preemptive rights of the shareholders of Horizon or any other
person, firm or entity. The Horizon Common Stock to be issued to the shareholders of Peoples pursuant to this Agreement will not be subject to any restrictions on transfer arising under the 1933 Act, except for Horizon Common Stock issued to any
shareholder of Peoples who may be deemed to be an &#147;affiliate&#148; (under the Securities Act) of Horizon after completion of the Merger pursuant to Rule 145 of the Securities Act. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">6.11 <B>Community Involvement</B>. Horizon agrees that as soon as practicable following the Effective Time it shall cause Horizon Bank to
donate $50,000 to not-for-profit organizations in the banking markets served by Peoples Bank. In addition, Horizon Bank agrees to match dollar-for-dollar each Continuing Employee&#146;s reasonable and customary donation to the United Way
organization of their choice in Horizon Bank&#146;s market area through a payroll deduction, for a period of at least five (5)&nbsp;years. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-52 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE VII. </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>CONDITIONS PRECEDENT TO THE MERGER </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">7.01 <B>Conditions Precedent to Horizon&#146;s Obligations</B>. The obligation of Horizon to consummate the Merger is subject to the
satisfaction and fulfillment of each of the following conditions on or prior to the Effective Time, unless waived in writing by Horizon: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) <B>Representations and Warranties at Effective Time</B>. Each of the representations and warranties of Peoples contained in this Agreement
shall be true, accurate and correct in all material respects at and as of the Effective Time as though such representations and warranties had been made or given on and as of the Effective Time (except that representations and warranties that by
their express terms speak as of the date of this Agreement or some other date shall be true and correct only as of such date). </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b)
<B>Covenants</B>. Each of the covenants and agreements of Peoples shall have been fulfilled or complied with in all material respects from the date of this Agreement through and as of the Effective Time. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) <B>Deliveries at Closing</B>. Horizon shall have received from Peoples at the Closing (as hereinafter defined) the items and documents, in
form and content reasonably satisfactory to Horizon, set forth in <U>Section&nbsp;10.02(b)</U> hereof. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) <B>Registration Statement
Effective</B>. Horizon shall have registered its shares of Horizon Common Stock to be issued to shareholders of Peoples in accordance with this Agreement with the SEC pursuant to the 1933 Act, and all state securities and blue sky approvals,
authorizations and exemptions required to offer and sell such shares shall have been received by Horizon. The Registration Statement with respect thereto shall have been declared effective by the SEC and no stop order shall have been issued or
threatened. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) <B>Regulatory Approvals</B>. All regulatory approvals required to consummate the transactions contemplated hereby
(&#147;<B>Regulatory Approvals</B>&#148;) shall have been obtained and shall remain in full force and effect and all statutory waiting periods in respect thereof shall have expired and no such approvals shall contain any conditions, restrictions or
requirements which the Board of Directors of Horizon reasonably determines in good faith would (i)&nbsp;following the Effective Time, have a Material Adverse Effect on Peoples or (ii)&nbsp;reduce the benefits of the transactions contemplated hereby
to such a degree that Horizon would not have entered into this Agreement had such conditions, restrictions or requirements been known at the date hereof. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f) <B>Shareholder Approval</B>. The shareholders of Peoples and Horizon shall have approved and adopted this Agreement as required by
applicable law and the terms of this Agreement. The total number of the Dissenting Shares shall be no greater than five percent (5%)&nbsp;of the number of shares of Peoples Common Stock outstanding as of the date of this Agreement. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(g) <B>Officers&#146; Certificate</B>. Peoples shall have delivered to Horizon a certificate signed by its President and its Secretary, dated
as of the Effective Time, certifying that: (i)&nbsp;the representations and warranties of Peoples contained in <U>Article III</U> are true, accurate and correct in all respects on and as of the Effective Time, subject to the standard specified in
<U>Section&nbsp;7.01(a)</U>; </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-53 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
(ii)&nbsp;all the covenants of Peoples have been complied with in all material respects from the date of this Agreement through and as of the Effective Time; and (iii)&nbsp;Peoples has satisfied
and fully complied with all conditions necessary to make this Agreement effective as to it. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(h) <B>Tax Opinion</B>. The Board of Directors
of Horizon shall have received a written opinion of the law firm of Barnes&nbsp;&amp; Thornburg LLP, dated as of the Effective Time, in form and content reasonably satisfactory to Horizon, to the effect that the Merger to be effected pursuant to
this Agreement will constitute a tax-free reorganization under the Code (as described in <U>Section&nbsp;1.03</U> hereof) to each party hereto and to the shareholders of Peoples, except with respect to the Cash Consideration and the cash received by
the shareholders of Peoples for fractional shares resulting from application of the Exchange Ratio and pursuant to <U>Section&nbsp;2.03</U> hereof. In rendering such opinion, counsel may require and rely upon customary representation letters of the
parties hereto and rely upon customary assumptions. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) <B>280G Opinion</B>. Horizon shall have received a letter of tax advice, in a form
satisfactory to Horizon, from Peoples&#146; outside, independent certified public accountants to the effect that any amounts that are paid by Peoples before the Effective Time, or required under the Employment Agreements, or this Agreement (or other
plans or agreements entered into in connection with this Agreement) to be paid at or after the Effective Time, to Persons who are disqualified individuals in respect of Peoples, its Subsidiaries or their successors, and that otherwise should be
allowable as deductions for federal income tax purposes, should not be disallowed as deductions for such purposes by reason of Section&nbsp;280G of the Code. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(j) <B>Material Proceedings</B>. None of Horizon, Peoples, or any of their Subsidiaries, shall be subject to any statute, rule, regulation,
injunction, order or decree, which shall have been enacted, entered, promulgated or enforced, which prohibits, prevents or makes illegal the completion of the Merger, and no material claim, litigation or proceeding shall have been initiated or
threatened relating to the Agreement or the Merger or seeking to prevent the completion of the Merger. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(k) <B>Listing</B>. The shares of
Horizon Common Stock to be issued in the Merger shall have been approved for listing on the NASDAQ Global Market, subject to official notice of issuance. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(l) <B>Notice of Termination of Data Processing Agreement</B>. Peoples shall have provided notice of termination to FiServ under the Master
Agreement, dated October&nbsp;31, 2013 (including related exhibits and schedules), between Peoples Bank and FiServ. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(m) <B>Mutual
Termination of Employment and Noncompetition Agreements</B>. Peoples shall have delivered to Horizon each executed Mutual Termination of Employment Agreement between Peoples and Jeffrey H. Gatton, Steve H. Caryer and Maurice F. Winkler, III in the
forms of <U>Exhibit 5.23(a)</U> and <U>Exhibit 5.23(b)</U> hereto, as applicable, and the Release appended thereto. Steven H. Caryer and Maurice F. Winkler III shall have executed and delivered to Horizon the Noncompetition Agreements. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(n) <B>Peoples Adjusted Consolidated Shareholder&#146;s Equity</B>. As of the end of the month prior to the Effective Time, the Peoples
Adjusted Consolidated Shareholders&#146; Equity (as </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-54 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
such term is defined below), shall not be less than $58,000,000. &#147;<B>Peoples Adjusted Consolidated Shareholders&#146; Equity</B>&#148; shall be the consolidated shareholders&#146; equity of
Peoples and Peoples Bank determined in accordance with GAAP consistently applied for prior periods and which shall be adjusted to reflect the after-tax impact of all Peoples Transaction Expenses (as defined below) as estimated through the Effective
Time; <I>provided, however</I>, that any accruals established by Peoples pursuant to <U>Section&nbsp;5.05</U> will not impact the calculation of the Peoples Adjusted Consolidated Shareholders&#146; Equity. Horizon and Peoples recognize and agree
that any changes to the valuation of the Peoples investment portfolio attributed to ASC 320, whether upward or downward, from September&nbsp;30, 2014 until the measurement date will not be considered in calculating the Peoples Consolidated Common
Shareholders&#146; Equity for purposes of this section. &#147;<B>Peoples Transactional Expenses</B>&#148; means all transaction costs of Peoples necessary to consummate the Merger and other transactions contemplated by this Agreement, or incurred or
accrued (or required to be accrued in accordance with GAAP) including, without limitation: (A)&nbsp;the aggregate expenses of attorneys, accountants, consultants, financial advisors and other professional advisors incurred by Peoples in connection
with this Agreement transactions contemplated hereby; (B)&nbsp;any amounts paid or payable to any director, officer or employee of Peoples or any Subsidiary of Peoples under any contract, severance arrangement, benefit plan or employment practice of
Peoples; and (C)&nbsp;all other payroll and non-payroll related costs and expenses, in each case incurred or to be incurred by Peoples through the Effective Time in connection with this Agreement and the transactions contemplated hereby, including
the termination costs associated with terminating the data processing agreement set forth in <U>Section&nbsp;7.01(l)</U>; <I>provided</I>, that any costs associated with the termination of the Pension Plan are excluded from the definition of Peoples
Transaction Expenses. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(o) <B>Consents</B>. Peoples shall have obtained or caused to be obtained (a)&nbsp;all written consents, if any,
required under the Material Contracts, and (b)&nbsp;all other written consents, permissions and approvals as required under any agreements, contracts, appointments, indentures, plans, trusts or other arrangements with third parties required to
effect the transactions contemplated by this Agreement. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(p) <B>Employment Agreement</B>. Jeffrey H. Gatton and Horizon Bank shall have
entered into an employment agreement in the form of <U>Exhibit 7.01(p)</U> hereto. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">7.02 <B>Conditions Precedent to Peoples&#146;
Obligations</B>. The obligation of Peoples to consummate the Merger is subject to the satisfaction and fulfillment of each of the following conditions on or prior to the Effective Time, unless waived in writing by Peoples: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) <B>Representations and Warranties at Effective Time</B>. Each of the representations and warranties of Horizon contained in this Agreement
shall be true, accurate and correct in all material respects on and as of the Effective Time as though the representations and warranties had been made or given at and as of the Effective Time (except that representations and warranties that by
their express terms speak as of the date of this Agreement or some other date shall be true and correct only as of such date). </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b)
<B>Covenants</B>. Each of the covenants and agreements of Horizon shall have been fulfilled or complied with in all material respects from the date of this Agreement through and as of the Effective Time. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-55 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) <B>Deliveries at Closing</B>. Peoples shall have received from Horizon at the Closing the
items and documents, in form and content reasonably satisfactory to Peoples, listed in <U>Section&nbsp;10.02(a)</U>&nbsp;hereof. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d)
<B>Registration Statement Effective</B>. Horizon shall have registered its shares of Horizon Common Stock to be issued to shareholders of Peoples in accordance with this Agreement with the SEC pursuant to the 1933 Act, and all state securities and
blue sky approvals, authorizations and exemptions required to offer and sell such shares shall have been received by Horizon. The Registration Statement with respect thereto shall have been declared effective by the SEC and no stop order shall have
been issued or threatened. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) <B>Regulatory Approvals</B>. All Regulatory Approvals shall have been obtained and shall remain in full
force and effect and all statutory waiting periods in respect thereof shall have expired. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f) <B>Shareholder Approval</B>. The
shareholders of Peoples and Horizon shall have approved and adopted this Agreement as required by applicable law and the terms of this Agreement. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(g) <B>Officers&#146; Certificate</B>. Horizon shall have delivered to Peoples a certificate signed by its CEO and its Secretary, dated as of
the Effective Time, certifying that: (i)&nbsp;the representations and warranties of Horizon contained in <U>Article IV</U> are true, accurate and correct in all respects on and as of the Effective Time subject to the standard specified in
<U>Section&nbsp;7.02(a)</U> above; (ii)&nbsp;all the covenants of Horizon have been complied with in all material respects from the date of this Agreement through and as of the Effective Time; and (iii)&nbsp;Horizon has satisfied and fully complied
with all conditions necessary to make this Agreement effective as to it. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(h) <B>Tax Opinion</B>. The Board of Directors of Peoples shall
have received a written opinion of the law firm of Barnes&nbsp;&amp; Thornburg LLP, dated as of the Effective Time, in form and content reasonably satisfactory to Peoples, to the effect that the Merger to be effected pursuant to this Agreement will
constitute a tax-free reorganization under the Code (as described in <U>Section&nbsp;1.03</U> hereof) to each party hereto and to the shareholders of Peoples, except with respect to the Cash Consideration and the cash received by the shareholders of
Peoples for fractional shares resulting from application of the Exchange Ratio and pursuant to <U>Section&nbsp;2.03</U> hereof. In rendering such opinion, counsel may require and rely upon customary representation letters of the parties hereto and
rely upon customary assumptions. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) <B>Listing</B>. The shares of Horizon Common Stock to be issued in the Merger shall have been
approved for listing on the NASDAQ Global Market, subject to official notice of issuance. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(j) <B>Material Proceedings</B>. None of
Horizon, Peoples, or any Subsidiary of Horizon or Peoples, shall be subject to any statute, rule, regulation, injunction, order or decree, which shall have been enacted, entered, promulgated or enforced, which prohibits, prevents or makes illegal
the completion of the Merger, and no material claim, litigation or proceeding shall have been initiated or threatened relating to this Agreement or the Merger or seeking to prevent the completion of the Merger. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-56 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(k) <B>Opinion of Peoples&#146; Financial Advisor</B>. The Board of Directors of Peoples shall
have received the opinion (which, if initially rendered verbally, has been or will be confirmed by a written opinion, dated the same date) of KBW to the effect that, as of the date of such opinion and based upon and subject to the factors,
assumptions and limitations set forth therein, the Merger Consideration is fair from a financial point of view to the holders of Peoples Common Stock. </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE VIII. </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>TERMINATION OF MERGER </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">8.01 <B>Termination</B>. This Agreement may be terminated and abandoned at any time prior to the Closing Date, only as follows: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) by the mutual written consent of Horizon and Peoples; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) by either of Peoples or Horizon by written notice to the other: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) if this Agreement and the Merger are not approved by the requisite vote of the shareholders of Peoples at the meeting of
shareholders of Peoples contemplated in <U>Section&nbsp;5.01</U> or by the shareholders of Horizon at the meeting of shareholders of Horizon contemplated by <U>Section&nbsp;6.03</U>; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) (x) if any Governmental Authority of competent jurisdiction shall have issued an order, decree, judgment or injunction or
taken any other action that permanently restrains, enjoins or otherwise prohibits or makes illegal the consummation of the Merger, and such order, decree, judgment, injunction or other action shall have become final and non-appealable, or
(y)&nbsp;if any consent or approval of any Governmental Authority whose consent or approval is required to consummate the Merger has been denied and such denial (despite the reasonable best efforts of the parties hereto to appeal or reverse such
denial) has become final and non-appealable; or (z)&nbsp;any application, filing or notice for a regulatory approval has been withdrawn at the request or recommendation of the applicable Governmental Authority; <I>provided, however</I>, that the
right to terminate this Agreement under this <U>Section&nbsp;8.01(b)(ii)</U> shall not be available to a party whose failure (or the failure of any of its affiliates) to fulfill any of its obligations (excluding warranties and representations) under
this Agreement has been the cause of or resulted in the occurrence of any event described in clauses (x), (y)&nbsp;and (z)&nbsp;above; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iii) if the consummation of the Merger shall not have occurred on or before December&nbsp;31, 2015 (the &#147;<B>Outside
Date</B>&#148;); provided that the right to terminate this Agreement under this <U>Section&nbsp;8.01(b)(iii)</U> shall not be available to any party whose breach of any provision of this Agreement causes the failure of the Merger to occur on or
before the Outside Date; or </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iv) if this Agreement and the Merger are not approved by the requisite vote of the
shareholders of Horizon at the meeting of shareholders of Horizon contemplated in <U>Section&nbsp;6.03</U>. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-57 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) by written notice from Horizon to Peoples, if: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) any event shall have occurred which is not capable of being cured prior to the Outside Date and would result in any
condition set forth in <U>Section&nbsp;7.01</U> not being satisfied prior to the Outside Date; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) Peoples breaches or
fails to perform any of its representations, warranties or covenants contained in this Agreement, which breach or failure to perform would give rise to the failure of a condition set forth in <U>Section&nbsp;7.01</U>, and such condition is incapable
of being satisfied by the Outside Date or such breach has not been cured by Peoples within twenty (20)&nbsp;business days after Peoples&#146; receipt of written notice of such breach from Horizon; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iii) there shall have occurred after the date of this Agreement any event, change, condition, circumstance or state of facts,
or aggregation of events, changes, conditions, circumstance or state of facts, that has had or would reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect, whether or not covered by insurance, on Peoples; or
</P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iv) Horizon elects to exercise its right to terminate pursuant to <U>Section&nbsp;3.11(b)</U> or
<U>Section&nbsp;5.11</U>. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) by written notice from Peoples to Horizon if: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) any event shall have occurred which is not capable of being cured prior to the Outside Date and would result in any
condition set forth in <U>Section&nbsp;7.02</U> not being satisfied prior to the Outside Date; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) Horizon breaches or
fails to perform any of its representations, warranties or covenants contained in this Agreement, which breach or failure to perform would give rise to the failure of a condition set forth in <U>Section&nbsp;7.02</U> and such condition is incapable
of being satisfied by the Outside Date or such breach has not been cured by Horizon within twenty (20)&nbsp;business days after Horizon&#146;s receipt of written notice of such breach from Peoples; or </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iii) there shall have occurred after the date of this Agreement any event, change, condition, circumstance or state of facts,
or aggregation of events, changes, conditions, circumstances or state of facts that has had or would reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect, whether or not covered by insurance, on Horizon. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) by written notice from Horizon to Peoples: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) if the Peoples Board of Directors shall fail to include its recommendation to approve the Merger in the Joint Proxy
Statement; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) in the event of an Adverse Recommendation Change or an Adverse Recommendation Change Notice; </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-58 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iii) if the Peoples Board shall approve any Acquisition Proposal or publicly
recommend that the holders of Peoples Common Stock accept or approve any Acquisition Proposal; or </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iv) if Peoples shall
have entered into, or publicly announced its intention to enter into, a definitive agreement, agreement in principle or letter of intent with respect to any Acquisition Proposal. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f) by written notice by Horizon to Peoples if a quorum could not be convened at the meeting of shareholders of Peoples contemplated in
<U>Section&nbsp;5.01</U> or at a reconvened meeting held at any time prior to or on the Outside Date. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(g) by written notice of Peoples to
Horizon if a quorum could not be convened at the meeting of shareholders of Horizon contemplated by <U>Section&nbsp;6.03</U> or at a reconvened meeting held at any time prior to or on the Outside Date. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(h) by written notice by Peoples to Horizon at any time during the five (5)&nbsp;day period commencing on the Determination Date if, and only
if both of the following conditions are satisfied, such termination to be effective on the tenth (10th)&nbsp;day following the Determination Date: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) the Horizon Market Value on the Determination Date is less than $19.57; and </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) the number obtained by dividing the Horizon Market Value by the Initial Horizon Market Value shall be less than the number
obtained by dividing (A)&nbsp;the Final Index Price by (B)&nbsp;the Initial Index Price minus 0.15; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><U>subject</U>, <U>however</U>, to the following
three sentences. If Peoples elects to exercise its termination right pursuant to this <U>Section&nbsp;8.01(h)</U>, it shall give prompt written notice thereof to Horizon. During the five (5)&nbsp;business day period commencing with its receipt of
such notice, Horizon shall have the option to increase the Exchange Ratio to equal the lesser of (i)&nbsp;a quotient, the numerator of which is equal to the product of the Initial Horizon Market Value, the Exchange Ratio (as then in effect), and the
Index Ratio minus 0.15 and the denominator of which is equal to the Horizon Market Value on the Determination Date; or (ii)&nbsp;the quotient determined by dividing the Initial Horizon Market Value by the Horizon Market Value on the Determination
Date, and multiplying the quotient by the product of the Exchange Ratio (as then in effect) and 0.85. If within such five (5)&nbsp;business day period, Horizon delivers written notice to Peoples that it intends to proceed with the Merger by paying
such additional consideration as contemplated by the preceding sentence, and notifies Peoples of the revised Exchange Ratio, then no termination shall have occurred pursuant to this <U>Section&nbsp;8.01(h)</U>, and this Agreement shall remain in
full force and effect in accordance with its terms (except that the Exchange Ratio shall have been so modified). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">For purposes of this
<U>Section&nbsp;8.01(h)</U> the following terms shall have the meanings indicated below: </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-59 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">&#147;<B>Determination Date</B>&#148; shall mean the first date on which all Regulatory Approvals
(and waivers, if applicable) and all other approvals and consents necessary for consummation of the Merger have been received (disregarding any waiting period). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">&#147;<B>Final Index Price</B>&#148; means the average of the daily closing value of the Index for the fifteen (15)&nbsp;consecutive trading
days immediately preceding the Determination Date. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">&#147;<B>Index</B>&#148; means the SNL Midwest Bank Index or, if such Index is not
available, such substitute or similar Index as substantially replicates the SNL Midwest Bank Index. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">&#147;<B>Index Ratio</B>&#148; means
the Final Index Price divided by the Initial Index Price. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">&#147;<B>Initial Horizon Market Value</B>&#148; means $23.02, adjusted as
indicated in the last sentence of this <U>Section&nbsp;8.01(h)</U>. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">&#147;<B>Initial Index Price</B>&#148; means the closing value of the
Index on the date of this Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">&#147;<B>Horizon Market Value</B>&#148; means the average of the daily closing sales prices of a
share of Horizon&#146;s common stock, rounded to the nearest cent, during the fifteen (15)&nbsp;consecutive trading days immediately preceding the Determination Date; <I>provided, however</I>, that closing sales prices shall only be used for days
during which Horizon&#146;s shares are actually traded on the NASDAQ Global Market. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If Horizon or any company belonging to the Index
declares or effects a stock dividend, split-up, combination, exchange of shares or similar transaction between the date of this Agreement and the Determination Date, the prices for the common stock of such company shall be appropriately adjusted for
the purposes of applying this <U>Section&nbsp;8.01(h)</U>. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">8.02 <B>Effect of Termination</B>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) Subject to the remainder of this <U>Section&nbsp;8.02</U>, in the event of the termination of this Agreement pursuant to
<U>Section&nbsp;8.01</U>, this Agreement shall forthwith become null and void and have no effect, without any liability on the part of Horizon or Peoples and each of their respective subsidiaries, directors, officers, employees, advisors, agents, or
shareholders and all rights and obligations of any party under this Agreement shall cease, except for the agreements contained in <U>Sections 5.06</U> and <U>8.02</U> and <U>Article XI</U>, which shall remain in full force and effect and survive any
termination of this Agreement; <I>provided, however</I>, that nothing contained in this Agreement, including this <U>Section&nbsp;8.02</U>, except for the amounts payable pursuant to subsections (b), (c)&nbsp;or (d), shall relieve any party hereto
from liabilities or damages arising out of any fraud or intentional breach by such party of any of its representations, warranties, covenants or other agreements contained in this Agreement or any related agreement. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) Peoples shall pay to Horizon an amount in cash equal to $3,500,000 (the &#147;<B>Termination Fee</B>&#148;) if: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) this Agreement is terminated by Horizon pursuant to <U>Section&nbsp;8.01(e)</U>; or </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-60 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) this Agreement is terminated by either party pursuant to
<U>Section&nbsp;8.01(b)(i)</U> as a result of the failure of Peoples&#146; shareholders to approve the Agreement and the Merger by the requisite vote or by Horizon pursuant to <U>Section&nbsp;8.01(f)</U> and, in each case, prior to the date that is
twelve (12)&nbsp;months after such termination Peoples or any of its Subsidiaries enters into any Acquisition Agreement or any Acquisition Proposal is consummated (regardless of whether such Acquisition Proposal is made or consummated before or
after termination of this Agreement); or </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iii) this Agreement is terminated by either Peoples or Horizon pursuant to
<U>Section&nbsp;8.01(b)(iii)</U> and (A)&nbsp;prior to the date of such termination, an Acquisition Proposal was made, and (B)&nbsp;prior to the date that is twelve (12)&nbsp;months after such termination, Peoples or any of its Subsidiaries enters
into any Acquisition Agreement or any Acquisition Proposal is consummated. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) Any fee due under <U>Section&nbsp;8.02(b)</U> shall be paid
by Peoples by wire transfer of same day funds: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) in the case of <U>Section&nbsp;8.02(b)(i)</U>, concurrently with such
termination; and </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) in the case of <U>Section&nbsp;8.02(b)(ii)</U> or <U>Section&nbsp;8.02(b)(iii)</U>, on the earlier
of the date Peoples enters into such Acquisition Agreement or consummates such Acquisition Proposal. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) In the event Horizon would be
entitled to the Termination Fee pursuant to <U>Section&nbsp;8.02(b)</U>, then Horizon may elect, in its sole discretion, to (i)&nbsp;terminate this Agreement and require the payment of such Termination Fee, in which event the Termination Fee shall
be the sole and exclusive remedy for such termination event and such fee shall constitute liquidated damages; <I>provided, however</I>, this Agreement shall not be terminated until the Termination Fee is paid in full, or (ii)&nbsp;not terminate this
Agreement and institute a proceeding at law or in equity to specifically enforce this Agreement and/or recover all of its damages arising hereunder, including all of its costs, fees and expenses (including reasonable attorneys&#146; and
accountants&#146; fees and expenses). Peoples acknowledges that the agreements contained in this <U>Section&nbsp;8.02</U> are an integral part of the transactions contemplated by this Agreement, and that, without these agreements, Horizon would not
have entered into this Agreement. Accordingly, if Peoples fails promptly to pay the Termination Fee, and, in order to obtain such payment, Horizon commences a suit that results in a judgment against Peoples for the Termination Fee, Peoples shall
also pay to Horizon its reasonable costs and expenses (including attorneys&#146; and accountants&#146; fees and expenses) in connection with such suit and any appeal relating thereto, together with interest at the national prime rate in effect on
the date such payment was required to be made. </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE IX. </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>EFFECTIVE TIME OF THE MERGER </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Upon the terms and subject to the conditions specified in this Agreement, the Merger shall become effective on the day and at the time
specified in the Articles of Merger of Horizon and Peoples as filed with the Indiana Secretary of State (the&nbsp;&#147;<B>Effective Time</B>&#148;). Unless otherwise mutually agreed to by the parties hereto, the parties shall cause the Effective
Time to occur </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-61 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
within ten (10)&nbsp;Business Days after the later to occur of (a)&nbsp;all conditions precedent to the Merger set forth in this Agreement have been fulfilled, and (b)&nbsp;all waiting periods in
connection with the bank regulatory applications filed for the approval of the Merger have expired. </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE X. </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>CLOSING </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">10.01 <B>Closing
Date and Place</B>. So long as all conditions precedent set forth in <U>Article VII</U> hereof have been satisfied and fulfilled, the closing of the Merger (the &#147;<B>Closing</B>&#148;) will take place on the date determined to be the date of the
Effective Time by <U>Article IX</U> hereof (the &#147;<B>Closing Date</B>&#148;) at a location to be reasonably determined by Horizon. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">10.02. <B>Deliveries</B>. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) At
the Closing, Horizon will deliver to Peoples the following: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) the officers&#146; certificate contemplated by
<U>Section&nbsp;7.02(g)</U> hereof; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) copies of all Regulatory Approvals necessary to consummate the Merger; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iii) copies of the resolutions adopted by the Board of Directors of Horizon and shareholders of Horizon, certified by the
Secretary of Horizon relative to the approval of this Agreement and the Merger; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iv) the tax opinion required by
<U>Section&nbsp;7.02(h)</U> hereof; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(v) evidence of the purchase of director and officer liability insurance for the
benefit of the Indemnified Parties in accordance with <U>Section&nbsp;6.05</U>; and </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(vi) such other documents and
information as Peoples or its legal counsel may reasonably request. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) At the Closing, Peoples will deliver to Horizon the following:
</P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) the officers&#146; certificate contemplated by <U>Section&nbsp;7.01(g)</U> hereof; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) copies of the resolutions adopted by the Board of Directors and shareholders of Peoples certified by the Secretary of
Peoples relative to the approval of this Agreement and the Merger; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iii) the tax opinion required by
<U>Section&nbsp;7.01(h)</U> hereof; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iv) the 280G opinion required by <U>Section&nbsp;7.01(i)</U> hereof; and </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(v) such other documents and information as Horizon or its legal counsel may reasonably request. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-62 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE XI. </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>MISCELLANEOUS </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">11.01
<B>Effective Agreement</B>. This Agreement and the recitals hereof shall be binding upon and inure to the benefit of and be enforceable by the respective parties hereto and their respective successors and assigns; <I>provided, however</I>, that
neither this Agreement nor any of the rights, interests or obligations of the respective parties hereto under this Agreement may be assigned by any party hereto without the prior written consent of the other parties hereto. Except as provided by
<U>Section&nbsp;6.06</U> (dealing with rights to indemnification and advancements of expenses, and the rights to insurance coverage, provided to certain persons), the representations, warranties, covenants and agreements contained in this Agreement,
as well as the documents and instruments referred to herein, are for the sole benefit of the parties hereto and their successors and assigns, and they will not be construed as conferring any rights on any other Persons, other than the right of
Peoples, on behalf of its shareholders, to pursue damages in the event of fraud or an intentional breach of this Agreement as provided in <U>Section&nbsp;8.02(a)</U> hereof. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">11.02 <B>Waiver; Amendment</B>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) The parties hereto may by an instrument in writing: (i)&nbsp;extend the time for the performance of or otherwise amend any of the
covenants, conditions or agreements of the other parties under this Agreement; (ii)&nbsp;waive any inaccuracies in the representations or warranties of the other parties contained in this Agreement or in any document delivered pursuant hereto or
thereto; (iii)&nbsp;waive the performance by the other parties of any of the covenants or agreements to be performed by it or them under this Agreement; or (iv)&nbsp;waive the satisfaction or fulfillment of any condition, the nonsatisfaction or
nonfulfillment of which is a condition to the right of the party so waiving to consummate the Merger. The waiver by any party hereto of a breach of or noncompliance with any provision of this Agreement will not operate or be construed as a
continuing waiver or a waiver of any other or subsequent breach or noncompliance hereunder. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) This Agreement may be amended, modified or
supplemented only by a written agreement executed by the parties hereto. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">11.03 <B>Notices</B>. All notices, requests and other
communications hereunder will be in writing and will be deemed to have been duly given if delivered by hand and receipted for, delivered by certified United States Mail, return receipt requested, first class postage pre-paid, or delivered by
overnight express receipted delivery service as follows: </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-63 </P>


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


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="51%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="47%"></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">If to Horizon:</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">with a copy (which shall not constitute notice) to:</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:2.00em; font-size:10pt; font-family:Times New Roman">Horizon Bancorp</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:2.00em; font-size:10pt; font-family:Times New Roman">515 Franklin Street</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:2.00em; font-size:10pt; font-family:Times New Roman">Michigan City, IN 46360</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:2.00em; font-size:10pt; font-family:Times New Roman">Attn: Craig M. Dwight</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; margin-left:2.00em; font-size:10pt; font-family:Times New Roman">CEO
and Chairman</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:2.00em; font-size:10pt; font-family:Times New Roman">Barack Ferrazzano Kirschbaum &amp; Nagelberg LLP</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:2.00em; font-size:10pt; font-family:Times New Roman">200 West Madison Street, Suite 3900</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:2.00em; font-size:10pt; font-family:Times New Roman">Chicago, IL 60606</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; margin-left:2.00em; font-size:10pt; font-family:Times New Roman">Attn:
Robert M. Fleetwood</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">And</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">If to Peoples:</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">with a copy (which shall not constitute notice) to:</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:2.00em; font-size:10pt; font-family:Times New Roman">Peoples Bancorp</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:2.00em; font-size:10pt; font-family:Times New Roman">212 W. 7th Street</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:2.00em; font-size:10pt; font-family:Times New Roman">Auburn,
IN 46706</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:2.00em; font-size:10pt; font-family:Times New Roman">Attn: Maurice F. Winkler, III</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; margin-left:2.00em; font-size:10pt; font-family:Times New Roman">President and CEO</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:2.00em; font-size:10pt; font-family:Times New Roman">Barnes &amp; Thornburg LLP</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:2.00em; font-size:10pt; font-family:Times New Roman">11 South Meridian Street</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:2.00em; font-size:10pt; font-family:Times New Roman">Indianapolis, IN 46204-3535</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; margin-left:2.00em; font-size:10pt; font-family:Times New Roman">Attn: Claudia V. Swhier</P></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">or such substituted address or Person as any of them have given to the other in writing. All such notices, requests or other
communications shall be effective: (a)&nbsp;if delivered by hand, when delivered; (b)&nbsp;if mailed in the manner provided herein, five (5)&nbsp;business days after deposit with the United States Postal Service; or (c)&nbsp;if delivered by
overnight express delivery service, on the next business day after deposit with such service. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">11.04 <B>Headings</B>. The headings in this
Agreement have been inserted solely for ease of reference and should not be considered in the interpretation or construction of this Agreement. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">11.05 <B>Severability</B>. In case any one or more of the provisions contained herein shall, for any reason, be held to be invalid, illegal or
unenforceable in any respect, such invalidity, illegality or unenforceability shall not affect any other provision of this Agreement, but this Agreement shall be construed as if such invalid, illegal or unenforceable provision or provisions had
never been contained herein. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">11.06 <B>Counterparts; Facsimile</B>. This Agreement may be executed in any number of counterparts and by
facsimile, each of which will be an original, but such counterparts shall together constitute one and the same instrument. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">11.07
<B>Governing Law; Enforcement; Specific Performance; Jury Trial</B>. This Agreement (and any and all other documents, agreements and instruments entered into in connection with the Merger and any related transaction; collectively, the
&#147;<B>Related Agreements</B>&#148;) shall be governed by and construed in accordance with the laws of the State of Indiana and applicable federal laws, without regard to principles of conflicts of law. The parties hereto hereby agree that all
claims, actions, suits and proceedings between the parties hereto relating to this Agreement or any Related Agreement shall be filed, tried and litigated only in the Circuit or Superior Courts of Marion County, Indiana or the United States District
Court for the Southern District of Indiana. In connection with the foregoing, the parties hereto consent to the jurisdiction and venue of such courts and expressly waive any claims or defenses of lack of personal jurisdiction of or proper venue by
such courts. The parties agree that irreparable damage would occur in the event that any provision of this Agreement or any Related Agreement was not performed in accordance with its specific terms on a timely basis or were otherwise breached. It
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-64 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
is accordingly agreed that the parties shall be entitled to an injunction or other equitable relief to prevent breaches of this Agreement or any Related Agreement and to enforce specifically the
terms and provisions of this Agreement or any Related Agreement in any court identified above, this being in addition to any other remedy to which they are entitled at law or in equity. WAIVER OF JURY TRIAL. EACH OF THE PARTIES HEREBY WAIVES TRIAL
BY JURY IN ANY JUDICIAL PROCEEDING INVOLVING, DIRECTLY, IN ANY MATTERS (WHETHER SOUNDING IN TORT, CONTRACT OR OTHERWISE) IN ANY WAY ARISING OUT OF, RELATED TO, OR CONNECTED WITH THIS AGREEMENT OR ANY RELATED AGREEMENT. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">11.08 <B>Entire Agreement</B>. This Agreement and the Exhibits hereto supersede all other prior or contemporaneous understandings, commitments,
representations, negotiations or agreements, whether oral or written, among the parties hereto relating to the Merger or matters contemplated herein and constitute the entire agreement between the parties hereto, except as otherwise provided herein
and except for the Mutual Non-Disclosure&nbsp;&amp; Confidentiality Agreement dated October&nbsp;17, 2014, by and between the parties (the &#147;<B>Confidentiality Agreement</B>&#148;). Upon the execution of this Agreement by all the parties hereto,
any and all other prior writings of either party relating to the Merger, will terminate and will be rendered of no further force or effect. The parties hereto agree that each party and its counsel reviewed and revised this Agreement and that the
normal rule of construction to the effect that any ambiguities are to be resolved against the drafting party will not be employed in the interpretation of this Agreement or any amendments or exhibits hereto. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">11.09 <B>Survival of Representations, Warranties or Covenants</B>. Except as set forth in the following sentence, none of the representations,
warranties or covenants of the parties will survive the Effective Time or the earlier termination of this Agreement, and thereafter the parties will have no further liability with respect thereto. The covenants contained in <U>Sections 5.06</U> and
<U>8.02</U> and this <U>Article XI</U> shall survive termination of this Agreement and remain in full force and effect. The covenants contained in <U>Sections 1.01</U>, <U>1.05</U>, <U>2.04</U>, <U>5.16</U>, <U>5.17</U>, <U>5.18</U>, <U>5.24</U>,
<U>6.04</U>, <U>6.06</U> and all of the provisions of this <U>Article XI</U> shall survive the Effective Time. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">11.10 <B>Expenses</B>.
Except as provided elsewhere in this Agreement, each party to this Agreement shall pay its own expenses incidental to the Merger contemplated hereby. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">11.11 <B>Certain References</B>. Whenever in this Agreement a singular word is used, it also will include the plural wherever required by the
context and vice-versa, and the masculine or neuter gender shall include the masculine, feminine and neuter genders. Except expressly stated otherwise, all references in this Agreement to periods of days shall be construed to refer to calendar, not
business, days. The term &#147;<B>business day</B>&#148; will mean any day except Saturday and Sunday when Horizon Bank, in Michigan City, Indiana, is open for the transaction of business. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>[S<SMALL>IGNATURE</SMALL> P<SMALL>AGE</SMALL> F<SMALL>OLLOWS</SMALL>.] </B></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-65 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">I<SMALL>N</SMALL> W<SMALL>ITNESS</SMALL> W<SMALL>HEREOF</SMALL>, Horizon and Peoples have made
and entered into this Agreement as of the day and year first above written and have caused this Agreement to be executed, attested in counterparts and delivered by their duly authorized officers. </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>
<TD WIDTH="6%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="92%"></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"><B>H<SMALL>ORIZON</SMALL> B<SMALL>ANCORP</SMALL></B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Craig M. Dwight</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Craig M. Dwight, CEO &amp; Chairman</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16" COLSPAN="3"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"><B>P<SMALL>EOPLES</SMALL> B<SMALL>ANCORP</SMALL></B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Maurice F. Winkler, III</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Maurice F. Winkler, III, President &amp; CEO</TD></TR>
</TABLE></DIV>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-66 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>T<SMALL>ABLE</SMALL> <SMALL>OF</SMALL> C<SMALL>ONTENTS</SMALL> </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="97%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>ARTICLE I. THE MERGER</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">1.01 T<SMALL>HE</SMALL> M<SMALL>ERGER</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">1.02 R<SMALL>ESERVATION</SMALL> <SMALL>OF</SMALL> R<SMALL>IGHT</SMALL> <SMALL>TO</SMALL> R<SMALL>EVISE</SMALL>
S<SMALL>TRUCTURE</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">1.03 T<SMALL>AX</SMALL> F<SMALL>REE</SMALL> R<SMALL>EORGANIZATION</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">1.04 A<SMALL>BSENCE</SMALL> <SMALL>OF</SMALL> C<SMALL>ONTROL</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">1.05 B<SMALL>ANK</SMALL> M<SMALL>ERGER</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">1.06 D<SMALL>ISSENTERS</SMALL>&#146; R<SMALL>IGHTS</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>ARTICLE II. MANNER AND BASIS OF EXCHANGE OF STOCK</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">2.01 M<SMALL>ERGER</SMALL> C<SMALL>ONSIDERATION</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">2.02 A<SMALL>NTI</SMALL>-D<SMALL>ILUTION</SMALL> A<SMALL>DJUSTMENTS</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">2.03 F<SMALL>RACTIONAL</SMALL> S<SMALL>HARES</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">2.04 E<SMALL>XCHANGE</SMALL> P<SMALL>ROCEDURES</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>ARTICLE III. REPRESENTATIONS AND WARRANTIES OF PEOPLES</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">3.01 O<SMALL>RGANIZATION</SMALL> <SMALL>AND</SMALL> A<SMALL>UTHORITY</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">3.02 A<SMALL>UTHORIZATION</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">3.03 C<SMALL>APITALIZATION</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">3.04 O<SMALL>RGANIZATIONAL</SMALL> D<SMALL>OCUMENTS</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">3.05 C<SMALL>OMPLIANCE</SMALL> <SMALL>WITH</SMALL> L<SMALL>AW</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">3.06 A<SMALL>CCURACY</SMALL> <SMALL>OF</SMALL> I<SMALL>NFORMATION</SMALL> P<SMALL>ROVIDED</SMALL> <SMALL>TO</SMALL>
H<SMALL>ORIZON</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">3.07 L<SMALL>ITIGATION</SMALL> <SMALL>AND</SMALL> P<SMALL>ENDING</SMALL> P<SMALL>ROCEEDINGS</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">3.08 F<SMALL>INANCIAL</SMALL> S<SMALL>TATEMENTS</SMALL> <SMALL>AND</SMALL> R<SMALL>EPORTS</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">3.09 M<SMALL>ATERIAL</SMALL> C<SMALL>ONTRACTS</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">3.10 A<SMALL>BSENCE</SMALL> <SMALL>OF</SMALL> U<SMALL>NDISCLOSED</SMALL> L<SMALL>IABILITIES</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">3.11 T<SMALL>ITLE</SMALL> <SMALL>TO</SMALL> P<SMALL>ROPERTIES</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">3.12 L<SMALL>OANS</SMALL> <SMALL>AND</SMALL> I<SMALL>NVESTMENTS</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">3.13 I<SMALL>NDEBTEDNESS</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">3.14 N<SMALL>O</SMALL> S<SMALL>HAREHOLDER</SMALL> R<SMALL>IGHTS</SMALL> P<SMALL>LAN</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">3.15 E<SMALL>MPLOYEE</SMALL> B<SMALL>ENEFIT</SMALL> P<SMALL>LANS</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">3.16 O<SMALL>BLIGATIONS</SMALL> <SMALL>TO</SMALL> E<SMALL>MPLOYEES</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">3.17 T<SMALL>AXES</SMALL>, R<SMALL>ETURNS</SMALL> <SMALL>AND</SMALL> R<SMALL>EPORTS</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">3.18 D<SMALL>EPOSIT</SMALL> I<SMALL>NSURANCE</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">3.19 I<SMALL>NSURANCE</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">3.20 B<SMALL>OOKS</SMALL> <SMALL>AND</SMALL> R<SMALL>ECORDS</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">3.21 B<SMALL>ROKER</SMALL>&#146;<SMALL>S</SMALL>, F<SMALL>INDER</SMALL>&#146;<SMALL>S</SMALL> <SMALL>OR</SMALL> O<SMALL>THER</SMALL>
F<SMALL>EES</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">3.22 I<SMALL>NTERIM</SMALL> E<SMALL>VENTS</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">22</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">3.23 I<SMALL>NSIDER</SMALL> T<SMALL>RANSACTIONS</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">23</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">3.24 I<SMALL>NDEMNIFICATION</SMALL> A<SMALL>GREEMENTS</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">23</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">3.25 S<SMALL>HAREHOLDER</SMALL> A<SMALL>PPROVAL</SMALL>.</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">23</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">3.26 I<SMALL>NTELLECTUAL</SMALL> P<SMALL>ROPERTY</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">24</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">3.27 C<SMALL>OMMUNITY</SMALL> R<SMALL>EINVESTMENT</SMALL> A<SMALL>CT</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">24</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">3.28 BSA/AML</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">24</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">3.29 A<SMALL>GREEMENTS</SMALL> <SMALL>WITH</SMALL> R<SMALL>EGULATORY</SMALL> A<SMALL>GENCIES</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">25</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-67 </P>


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


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="97%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">3.30 A<SMALL>PPROVAL</SMALL> D<SMALL>ELAYS</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">25</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">3.31 I<SMALL>NTERNAL</SMALL> C<SMALL>ONTROLS</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">25</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">3.32 F<SMALL>IDUCIARY</SMALL> A<SMALL>CCOUNTS</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">26</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>ARTICLE IV. REPRESENTATIONS AND WARRANTIES OF HORIZON</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">26</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">4.01 O<SMALL>RGANIZATION</SMALL> <SMALL>AND</SMALL> A<SMALL>UTHORITY</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">27</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">4.02 A<SMALL>UTHORIZATION</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">27</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">4.03 C<SMALL>APITALIZATION</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">28</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">4.04 C<SMALL>OMPLIANCE</SMALL> <SMALL>WITH</SMALL> L<SMALL>AW</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">28</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">4.05 A<SMALL>BSENCE</SMALL> <SMALL>OF</SMALL> U<SMALL>NDISCLOSED</SMALL> L<SMALL>IABILITIES</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">29</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">4.06 A<SMALL>CCURACY</SMALL> <SMALL>OF</SMALL> I<SMALL>NFORMATION</SMALL> P<SMALL>ROVIDED</SMALL> <SMALL>TO</SMALL>
P<SMALL>EOPLES</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">29</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">4.07 F<SMALL>INANCIAL</SMALL> S<SMALL>TATEMENTS</SMALL> <SMALL>AND</SMALL> R<SMALL>EPORTS</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">29</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">4.08 A<SMALL>DEQUACY</SMALL> <SMALL>OF</SMALL> R<SMALL>ESERVES</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">30</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">4.09 L<SMALL>ITIGATION</SMALL> <SMALL>AND</SMALL> P<SMALL>ENDING</SMALL> P<SMALL>ROCEEDINGS</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">30</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">4.10 T<SMALL>AXES</SMALL>, R<SMALL>ETURNS</SMALL> <SMALL>AND</SMALL> R<SMALL>EPORTS</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">30</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">4.11 D<SMALL>EPOSIT</SMALL> I<SMALL>NSURANCE</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">31</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">4.12 BSA/AML</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">31</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">4.13 C<SMALL>OMMUNITY</SMALL> R<SMALL>EINVESTMENT</SMALL> A<SMALL>CT</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">31</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">4.14 A<SMALL>PPROVAL</SMALL> D<SMALL>ELAYS</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">31</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">4.15 H<SMALL>ORIZON</SMALL> S<SMALL>ECURITIES</SMALL> <SMALL>AND</SMALL> E<SMALL>XCHANGE</SMALL> C<SMALL>OMMISSION</SMALL>
F<SMALL>ILINGS</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">31</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">4.16 E<SMALL>NVIRONMENTAL</SMALL> M<SMALL>ATTERS</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">32</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>ARTICLE V. CERTAIN COVENANTS</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">32</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">5.01 S<SMALL>HAREHOLDER</SMALL> A<SMALL>PPROVAL</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">32</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">5.02 O<SMALL>THER</SMALL> A<SMALL>PPROVALS</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">32</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">5.03 C<SMALL>ONDUCT</SMALL> <SMALL>OF</SMALL> B<SMALL>USINESS</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">33</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">5.04 I<SMALL>NSURANCE</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">36</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">5.05 A<SMALL>CCRUALS</SMALL> <SMALL>FOR</SMALL> L<SMALL>OAN</SMALL> L<SMALL>OSS</SMALL> R<SMALL>ESERVE</SMALL> <SMALL>AND</SMALL>
E<SMALL>XPENSES</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">36</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">5.06 A<SMALL>CQUISITION</SMALL> P<SMALL>ROPOSALS</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">37</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">5.07 P<SMALL>RESS</SMALL> R<SMALL>ELEASES</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">40</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">5.08 M<SMALL>ATERIAL</SMALL> C<SMALL>HANGES</SMALL> <SMALL>TO</SMALL> D<SMALL>ISCLOSURE</SMALL> S<SMALL>CHEDULES</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">40</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">5.09 A<SMALL>CCESS</SMALL>; I<SMALL>NFORMATION</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">40</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">5.10 F<SMALL>INANCIAL</SMALL> S<SMALL>TATEMENTS</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">41</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">5.11 E<SMALL>NVIRONMENTAL</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">41</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">5.12 G<SMALL>OVERNMENTAL</SMALL> R<SMALL>EPORTS</SMALL> <SMALL>AND</SMALL> S<SMALL>HAREHOLDER</SMALL>
I<SMALL>NFORMATION</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">43</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">5.13 A<SMALL>DVERSE</SMALL> A<SMALL>CTIONS</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">43</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">5.14 E<SMALL>MPLOYEE</SMALL> B<SMALL>ENEFITS</SMALL> <SMALL>AND</SMALL> E<SMALL>MPLOYEES</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">43</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">5.15 N<SMALL>ONCOMPETITION</SMALL> A<SMALL>GREEMENTS</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">44</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">5.16 T<SMALL>ERMINATION</SMALL> <SMALL>OF</SMALL> P<SMALL>EOPLES</SMALL> 401(<SMALL>K</SMALL>) P<SMALL>LAN</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">44</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">5.17 M<SMALL>AINTENANCE</SMALL> <SMALL>OF</SMALL> P<SMALL>ENSION</SMALL> P<SMALL>LAN</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">45</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">5.18 D<SMALL>ISPOSITION</SMALL> <SMALL>OF</SMALL> F<SMALL>ULLY</SMALL> I<SMALL>NSURED</SMALL> W<SMALL>ELFARE</SMALL>
B<SMALL>ENEFIT</SMALL> <SMALL>AND</SMALL> S<SMALL>EC</SMALL>. 125 P<SMALL>LANS</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">45</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">5.19 P<SMALL>EOPLES</SMALL> B<SMALL>ANK</SMALL> M<SMALL>ERGER</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">46</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">5.20 C<SMALL>OOPERATION</SMALL> <SMALL>ON</SMALL> C<SMALL>ONVERSION</SMALL> <SMALL>OF</SMALL> S<SMALL>YSTEMS</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">46</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">5.21 Installation/Conversion of Equipment</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">46</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">5.22 S<SMALL>UPPLEMENTAL</SMALL> L<SMALL>IFE</SMALL> I<SMALL>NSURANCE</SMALL> P<SMALL>LAN</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">46</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">5.23 E<SMALL>MPLOYMENT</SMALL> A<SMALL>GREEMENTS</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">46</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">5.24 SERP A<SMALL>GREEMENTS</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">47</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">5.25 P<SMALL>ENSION</SMALL> P<SMALL>LAN</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">47</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-68 </P>


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


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="97%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>ARTICLE VI. COVENANTS OF HORIZON</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">47</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">6.01 A<SMALL>PPROVALS</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">47</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">6.02 SEC R<SMALL>EGISTRATION</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">48</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">6.03 S<SMALL>HAREHOLDER</SMALL> A<SMALL>PPROVAL</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">48</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">6.04 E<SMALL>MPLOYEE</SMALL> B<SMALL>ENEFIT</SMALL> P<SMALL>LANS</SMALL> <SMALL>AND</SMALL> E<SMALL>MPLOYEE</SMALL>
P<SMALL>AYMENTS</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">49</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">6.05 A<SMALL>DVERSE</SMALL> A<SMALL>CTIONS</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">50</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">6.06 D&amp;O I<SMALL>NSURANCE</SMALL> <SMALL>AND</SMALL> I<SMALL>NDEMNIFICATION</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">50</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">6.07 M<SMALL>ATERIAL</SMALL> C<SMALL>HANGES</SMALL> <SMALL>TO</SMALL> H<SMALL>ORIZON</SMALL> D<SMALL>ISCLOSURE</SMALL>
S<SMALL>CHEDULES</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">51</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">6.08 N<SMALL>ORTHEAST</SMALL> I<SMALL>NDIANA</SMALL> A<SMALL>DVISORY</SMALL> B<SMALL>OARD</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">52</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">6.09 H<SMALL>ORIZON</SMALL> <SMALL>AND</SMALL> H<SMALL>ORIZON</SMALL> B<SMALL>ANK</SMALL> B<SMALL>OARD</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">52</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">6.10 I<SMALL>SSUANCE</SMALL> <SMALL>OF</SMALL> H<SMALL>ORIZON</SMALL> C<SMALL>OMMON</SMALL> S<SMALL>TOCK</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">52</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">6.11 C<SMALL>OMMUNITY</SMALL> I<SMALL>NVOLVEMENT</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">52</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>ARTICLE VII. CONDITIONS PRECEDENT TO THE MERGER</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">53</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">7.01 C<SMALL>ONDITIONS</SMALL> P<SMALL>RECEDENT</SMALL> <SMALL>TO</SMALL> H<SMALL>ORIZON</SMALL>&#146;<SMALL>S</SMALL>
O<SMALL>BLIGATIONS</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">53</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">7.02 C<SMALL>ONDITIONS</SMALL> P<SMALL>RECEDENT</SMALL> <SMALL>TO</SMALL> P<SMALL>EOPLES</SMALL>&#146;
O<SMALL>BLIGATIONS</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">55</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>ARTICLE VIII. TERMINATION OF MERGER</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">57</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">8.01 T<SMALL>ERMINATION</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">57</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">8.02 E<SMALL>FFECT</SMALL> <SMALL>OF</SMALL> T<SMALL>ERMINATION</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">60</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>ARTICLE IX. EFFECTIVE TIME OF THE MERGER</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">61</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>ARTICLE X. CLOSING</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">62</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">10.01 C<SMALL>LOSING</SMALL> D<SMALL>ATE</SMALL> <SMALL>AND</SMALL> P<SMALL>LACE</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">62</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">10.02 D<SMALL>ELIVERIES</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">62</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>ARTICLE XI. MISCELLANEOUS</B></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">63</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">11.01 E<SMALL>FFECTIVE</SMALL> A<SMALL>GREEMENT</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">63</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">11.02 W<SMALL>AIVER</SMALL>; A<SMALL>MENDMENT</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">63</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">11.03 N<SMALL>OTICES</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">63</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">11.04 H<SMALL>EADINGS</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">64</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">11.05 S<SMALL>EVERABILITY</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">64</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">11.06 C<SMALL>OUNTERPARTS</SMALL>; F<SMALL>ACSIMILE</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">64</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">11.07 G<SMALL>OVERNING</SMALL> L<SMALL>AW</SMALL>; E<SMALL>NFORCEMENT</SMALL>; S<SMALL>PECIFIC</SMALL> P<SMALL>ERFORMANCE</SMALL>;
J<SMALL>URY</SMALL> T<SMALL>RIAL</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">64</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">11.08 E<SMALL>NTIRE</SMALL> A<SMALL>GREEMENT</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">65</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">11.09 S<SMALL>URVIVAL</SMALL> <SMALL>OF</SMALL> R<SMALL>EPRESENTATIONS</SMALL>, W<SMALL>ARRANTIES</SMALL> <SMALL>OR</SMALL>
C<SMALL>OVENANTS</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">65</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">11.10 E<SMALL>XPENSES</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">65</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">11.11 C<SMALL>ERTAIN</SMALL> R<SMALL>EFERENCES</SMALL></P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">65</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-69 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>I<SMALL>NDEX</SMALL> <SMALL>OF</SMALL> E<SMALL>XHIBITS</SMALL> </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="51%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Exhibit 1.01(e)</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">Plan of Merger</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Exhibit 5.01</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">Voting Agreement</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Exhibit 5.15(a) and (b)</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">Forms of Non-Competition, Non-Solicitation and Non-Disclosure Agreement</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Exhibit 5.23(a), (b) and (c)</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">Forms of Mutual Termination of Employment Agreement</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Exhibit 7.01(p)</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">Employment Agreement for Jeffrey H. Gatton</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-70 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>E<SMALL>XHIBIT</SMALL> 1.01(<SMALL>E</SMALL>) </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000">&nbsp;</P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Pl<SMALL>AN</SMALL> <SMALL>OF</SMALL> M<SMALL>ERGER</SMALL> </B></P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>B<SMALL>ETWEEN</SMALL> </B></P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>P<SMALL>EOPLES</SMALL> B<SMALL>ANCORP</SMALL> </B></P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>(A<SMALL>N</SMALL> I<SMALL>NDIANA</SMALL> C<SMALL>ORPORATION</SMALL>) </B></P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>A<SMALL>ND</SMALL> </B></P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>H<SMALL>ORIZON</SMALL> B<SMALL>ANCORP</SMALL> </B></P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>(A<SMALL>N</SMALL> I<SMALL>NDIANA</SMALL> C<SMALL>ORPORATION</SMALL>) </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000">&nbsp;</P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, 2015 </B></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-71 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>P<SMALL>LAN</SMALL> <SMALL>OF</SMALL> M<SMALL>ERGER</SMALL> </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">T<SMALL>HIS</SMALL> P<SMALL>LAN</SMALL> <SMALL>OF</SMALL> M<SMALL>ERGER</SMALL> is made and entered into as of
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, 2015, between Peoples Bancorp, an Indiana corporation with its principal office located at 212 W. 7th Street, Auburn, Indiana 46706 (&#147;<B>Peoples</B>&#148;), and Horizon
Bancorp, an Indiana corporation with its principal office located at 515 Franklin Street, Michigan City, Indiana 46360 (&#147;<B>Horizon</B>&#148;). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>W<SMALL>ITNESSETH</SMALL>: </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">W<SMALL>HEREAS</SMALL>, the Boards of Directors of Peoples and Horizon have approved an Agreement and Plan of Merger, executed and delivered
as of February&nbsp;18, 2015 (the &#147;<B>Agreement and Plan of Merger</B>&#148;), of which the Plan of Merger was a part thereof, pursuant to which Peoples has agreed to merge with and into Horizon (capitalized terms used, but not defined, in this
Plan of Merger shall have the meaning ascribed to them in the Agreement and Plan of Merger); and </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">N<SMALL>OW</SMALL>,
T<SMALL>HEREFORE</SMALL>, in consideration of the foregoing premises, the representations, warranties, covenants and agreements herein contained and other good and valuable consideration, the receipt and sufficiency of which is hereby acknowledged,
the parties hereby agree as follows: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">A<SMALL>RTICLE</SMALL> 1. T<SMALL>HE</SMALL> H<SMALL>OLDING</SMALL> C<SMALL>OMPANY</SMALL> M<SMALL>ERGER</SMALL>
</P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;1.1 <B>The Holding Company Merger</B>. Pursuant to the terms and provisions of this Plan of Merger and the Indiana Business
Corporation Law (&#147;<B>IBCL</B>&#148;), Peoples shall merge with and into Horizon (the &#147;<B>Holding Company Merger</B>&#148;). The Holding Company Merger shall be effective at the Effective Time (as that term is defined in the Agreement and
Plan of Merger) (the&nbsp;&#147;<B>Effective Time</B>&#148;). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;1.2 <B>Merging Corporation</B>. Peoples shall be the merging
corporation under the Holding Company Merger and its corporate identity and existence shall cease on consummation of the Holding Company Merger. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;1.3 <B>Surviving Corporation</B>. Horizon shall be the surviving corporation in the Holding Company Merger, and the Articles of
Incorporation and Bylaws of Horizon in effect prior to the Holding Company Merger shall be the Articles of Incorporation and Bylaws of the Surviving Corporation. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">A<SMALL>RTICLE</SMALL> 2. T<SMALL>ERMS</SMALL> <SMALL>OF</SMALL> <SMALL>THE</SMALL> H<SMALL>OLDING</SMALL> C<SMALL>OMPANY</SMALL> M<SMALL>ERGER</SMALL>
<SMALL>AND</SMALL> C<SMALL>ONVERSION</SMALL> <SMALL>OF</SMALL> S<SMALL>HARES</SMALL> </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.1 <B>Effect of the Holding Company
Merger</B>. The Holding Company Merger shall have all of the effects provided by the IBCL. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.2 <B>Conversion of Peoples
Shares</B>. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) At the Effective Time, each share of Peoples Common Stock issued and outstanding immediately prior to the
Effective Time (other than Dissenting Shares, shares </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-72 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">
held as treasury stock of Peoples and shares held directly or indirectly by Horizon, except shares held in a fiduciary capacity or in satisfaction of a debt previously contracted, if any) shall
become and be converted into the right pursuant to Article II of the Agreement and Plan of Merger to receive the following: (i)&nbsp;0.95 shares of Horizon common stock (as adjusted in accordance with the terms of the Agreement and Plan of Merger),
without par value (the &#147;<B>Horizon Common Stock</B>&#148;), and (ii)&nbsp;$9.75 in cash (the&nbsp;aggregate cash consideration to be paid in the Merger is referred to herein as the &#147;<B>Cash Consideration</B>&#148;) (collectively, the
&#147;<B>Merger Consideration</B>&#148;); <I>provided, however</I>, the Peoples stockholders owning less than 100 shares of Peoples Common Stock as of the Effective Time will only be entitled to receive $33.14 per share in cash and will not be
entitled to receive any Horizon Common Stock. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) At the Effective Time, each holder of any certificate or certificates
which immediately prior to the Effective Time represented outstanding shares of Peoples stock (other than Dissenting Shares) shall thereafter cease to have any rights with respect to such shares, except the right of such holders to receive, without
interest, the Merger Consideration, upon the surrender of such certificate or certificates in accordance with 0 of this Plan of Merger. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.3 <B>Exchange Procedures; Surrender of Certificates</B>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) Computershare, Inc. shall act as Exchange Agent in the Holding Company Merger (the &#147;<B>Exchange Agent</B>&#148;). </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) At or prior to the Effective Time, Horizon shall reserve a sufficient number of shares of Horizon Common Stock to be issued
as part of the Merger Consideration. At the Effective Time, Horizon shall cause all shares of Peoples Common Stock held by recognized securities depositories (&#147;street name&#148; shares) to be exchanged for the Merger Consideration in accordance
with the rules and procedures of such depositories. As promptly as practicable after the Effective Time, but in no event more than five (5)&nbsp;business days thereafter, Horizon shall mail to each holder of Peoples Common Stock a letter of
transmittal providing instructions as to the transmittal to Horizon of certificates representing shares of Peoples Common Stock and the issuance of shares of Horizon Common Stock and the Cash Consideration in exchange therefor pursuant to the terms
of this Plan of Merger. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) Horizon shall cause a certificate representing that number of whole shares of Horizon Common
Stock that each holder of Peoples Common Stock has the right to receive pursuant to Section&nbsp;2.01 of the Agreement and Plan of Merger, and a check in the amount of such holder&#146;s proportionate share of the Cash Consideration pursuant to
Section&nbsp;2.01 of the Agreement and Plan of Merger and any cash in lieu of fractional shares or dividends or distributions which such holder shall be entitled to receive, to be delivered to such shareholder upon delivery to Horizon of
certificates representing such shares of Peoples Common Stock (&#147;<B>Old Certificates</B>&#148;) (or bond or other indemnity satisfactory to Horizon if any of such certificates are lost, stolen or destroyed) owned by such shareholder accompanied
by a properly completed and executed letter of transmittal, as in the form and substance satisfactory to Horizon. No interest will be paid on any </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-73 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">
Merger Consideration that any such holder shall be entitled to receive pursuant to this Plan of Merger upon such delivery. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) No dividends or other distributions on Horizon Common Stock with a record date occurring after the Effective Time shall be
paid to the holder of any unsurrendered Old Certificate representing shares of Peoples Common Stock converted in the Merger into the right to receive shares of such Horizon Common Stock until the holder thereof surrenders such Old Certificates in
accordance with this Section&nbsp;2.3. After becoming so entitled in accordance with this Section&nbsp;2.3, the record holder thereof also shall be entitled to receive any such dividends or other distributions, without any interest thereon, which
theretofore had become payable with respect to shares of Horizon Common Stock such holder had the right to receive upon surrender of the Old Certificate. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) The stock transfer books of Peoples shall be closed immediately upon the Effective Time and from and after the Effective
Time, there shall be no transfers on the stock transfer records of Peoples of any shares of Peoples Common Stock stock. If, after the Effective Time, Old Certificates are presented to Horizon, they shall be canceled and exchanged for the Merger
Consideration deliverable in respect thereof pursuant to the Agreement and Plan of Merger and in accordance with the procedures set forth in this 0. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f) Horizon shall be entitled to rely upon Peoples&#146; stock transfer books to establish the identity of those individuals,
partnerships, corporations, trusts, joint ventures, organizations or other entities (each, a &#147;<B>Person</B>&#148;) entitled to receive the Merger Consideration, which books shall be conclusive with respect thereto. In the event of a dispute
with respect to ownership of stock represented by any Old Certificate, Horizon shall be entitled to deposit any Merger Consideration represented thereby in escrow with an independent third party and thereafter be relieved from any and all liability
with respect to any claims thereto. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(g) If any Old Certificate shall have been lost, stolen, or destroyed, upon the making
of an affidavit of that fact by the Person claiming such Old Certificate to be lost, stolen, or destroyed and, if required by Horizon, the posting by such Person of a bond or other indemnity satisfactory to Horizon as indemnity against any claim
that may be made against it with respect to such Old Certificate, Horizon will issue in exchange for such affidavit of lost, stolen, or destroyed Old Certificate the Merger Consideration deliverable in respect thereof pursuant to the terms of this
Amended and Restated Plan of Merger. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(h) Notwithstanding the foregoing, no party hereto shall be liable to any former
holder of Peoples Common Stock for any amount properly delivered to a public official pursuant to applicable abandoned property, escheat or similar laws. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">A<SMALL>RTICLE</SMALL> 3. A<SMALL>MENDMENT</SMALL>; T<SMALL>ERMINATION</SMALL>; A<SMALL>SSIGNMENT</SMALL> </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.1 <B>Amendment</B>. At any time prior to the Effective Time, the parties to this Plan of Merger by mutual written agreement
authorized by their respective Boards of Directors (and whether before or after the shareholders of Peoples have approved and adopted this Plan of Merger) may amend this Plan of Merger; <I>provided, however</I>, that if the shareholders of Peoples
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-74 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
have approved and adopted this Plan of Merger, any such amendment shall not have a material adverse effect on the shareholders of Peoples. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.2 <B>Termination</B>. This Plan of Merger shall automatically terminate (whether before or after Peoples shareholder approval)
upon the termination of the Agreement and Plan of Merger. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.3 <B>Successors and Assigns</B>. This Plan of Merger and all of
the provisions hereof shall be binding upon and inure to the benefit of the parties hereto and their respective successors and permitted assigns, but none of the provisions hereof shall inure to the benefit of any other person, firm, or corporation
whomsoever. Neither this Plan of Merger nor any of the rights, interests, or obligations hereunder shall be assigned or transferred by operation of law or otherwise by either of the parties hereto without the prior written consent of the other
party. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">I<SMALL>N</SMALL> W<SMALL>ITNESS</SMALL> W<SMALL>HEREOF</SMALL>, the parties hereto have executed this Plan of Merger as of the
day and year first above written. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>
<TD WIDTH="6%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="92%"></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"><B>P<SMALL>EOPLES</SMALL> B<SMALL>ANCORP</SMALL></B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:<U></U></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Maurice F. Winkler, III, President&nbsp;&amp; CEO</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16" COLSPAN="3"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"><B>H<SMALL>ORIZON</SMALL> B<SMALL>ANCORP</SMALL></B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:<U></U></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Craig M. Dwight, CEO&nbsp;&amp; Chairman</TD></TR>
</TABLE></DIV>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-75 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>E<SMALL>XHIBIT</SMALL> 5.01 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>V<SMALL>OTING</SMALL> A<SMALL>GREEMENT</SMALL> </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Each of the undersigned, being all of the directors of Peoples Bancorp (&#147;<B>Peoples</B>&#148;) and Peoples Federal Savings Bank of DeKalb
County having, in the case of the Peoples directors, voted for the approval and adoption by Peoples of that certain Agreement and Plan of Merger (&#147;<B>Agreement and Plan of Merger</B>&#148;) among Peoples and Horizon Bancorp
(&#147;<B>Horizon</B>&#148;), whereby Horizon will acquire all of the outstanding capital stock of Peoples in exchange for shares of Horizon common stock, no par value per share (the &#147;<B>Holding Company Merger</B>&#148;), in consideration of
the benefits to be derived from the consummation of such merger and in consideration of the mutual agreements made in the Agreement and Plan of Merger and herein, and in order to induce Horizon to execute and deliver the Agreement and Plan of Merger
to Peoples and to proceed with the consummation of the Holding Company Merger and to incur the expenses required in connection therewith, hereby irrevocably covenants and agrees with one another and with each of the parties to such Agreement and
Plan of Merger that the undersigned: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) will support the consummation of the Holding Company Merger and any merger of any
Peoples subsidiaries, including Peoples Federal Savings Bank of DeKalb County, and, subject to fiduciary duties and <U>Section&nbsp;5.06</U> of the Agreement and Plan of Merger, will recommend the Holding Company Merger for approval and adoption by
the shareholders of Peoples; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) will vote all shares of common stock of Peoples (&#147;<B>Peoples Common Stock</B>&#148;)
now or hereafter beneficially owned by him or her, in person or by proxy, at any meeting of the shareholders of Peoples or adjournments thereof, in favor of the approval and adoption of the Agreement and Plan of Merger and the Holding Company
Merger; and </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) until such time as the Holding Company Merger has been consummated or the Agreement and Plan of Merger has
been duly terminated in accordance with the provisions thereof, will not transfer any shares of Peoples Common Stock, or any right or option with respect thereto or any interest therein, without first obtaining from the transferee thereof and
furnishing to Horizon a written agreement of such transferee substantially to the effect of the agreements herein made and in form and substance acceptable to Horizon. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The undersigned represents and warrants that he or she (except to the extent indicated below) is the sole record and/or beneficial owner of
(and has sole rights to vote and to dispose of) the number of shares of Peoples Common Stock indicated beside his or her signature below. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This Voting Agreement shall be effective from the date hereof and shall terminate and be of no further force and effect upon the earlier of
(a)&nbsp;the consummation of the Holding Company Merger; (b)&nbsp;the termination of the Agreement and Plan of Merger in accordance with its terms; or (c)&nbsp;the taking of such action whereby a majority of Peoples&#146; Board of Directors, in
accordance with the terms and conditions of <U>Section&nbsp;5.06</U> of the Agreement and Plan of Merger, withdraws its favorable recommendation of the Agreement and Plan of Merger to the shareholders of Peoples. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This Voting Agreement may be executed in one or more counterparts and delivered by facsimile, pdf or other means of electronic communication,
each of which shall be deemed an original, but all of </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-76 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
which together shall constitute one and the same agreement. This Voting Agreement shall be governed by and construed in accordance with the laws of the State of Indiana and applicable federal
laws, without regard to principles of conflicts of law. The parties hereto hereby agree that all claims, actions, suits and proceedings between the parties hereto relating to this Voting Agreement shall be filed, tried and litigated only in the
Circuit or Superior Courts of Marion County, Indiana or the United States District Court for the Southern District of Indiana. In connection with the foregoing, the parties hereto consent to the jurisdiction and venue of such courts and expressly
waive any claims or defenses of lack of personal jurisdiction of or proper venue by such courts. The parties agree that irreparable damage would occur in the event that any of the provisions of this Voting Agreement was not performed in accordance
with its specific terms on a timely basis or were otherwise breached. It is accordingly agreed that the parties shall be entitled to an injunction or other equitable relief to prevent breaches of this Voting Agreement and to enforce specifically the
terms and provisions of this Voting Agreement in any court identified above, this being in addition to any other remedy to which they are entitled at law or in equity. <I>WAIVER OF JURY TRIAL</I>. EACH OF THE PARTIES HEREBY WAIVES TRIAL BY JURY IN
ANY JUDICIAL PROCEEDING INVOLVING, DIRECTLY, IN ANY MATTERS (WHETHER SOUNDING IN TORT, CONTRACT OR OTHERWISE) IN ANY WAY ARISING OUT OF, RELATED TO, OR CONNECTED WITH THIS VOTING AGREEMENT. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>[R<SMALL>EMAINDER</SMALL> <SMALL>OF</SMALL> P<SMALL>AGE</SMALL> I<SMALL>NTENTIONALLY</SMALL> L<SMALL>EFT</SMALL> B<SMALL>LANK</SMALL>.]
</B></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-77 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Executed and Delivered as of February&nbsp;18, 2015. </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="51%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="47%"></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">( 27,137 shares)</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">G. Richard Gatton</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">( 5,964 shares)</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Bruce S. Holwerda</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">( 12,500 shares)</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Douglas D. Marsh</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">( 12,751 shares)</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Stephen R. Olson</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">( 26,174 shares)</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Maurice F. Winkler, III</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>[S<SMALL>IGNATURE</SMALL> P<SMALL>AGE</SMALL> <SMALL>TO</SMALL> V<SMALL>OTING</SMALL>
A<SMALL>GREEMENT</SMALL>] </B></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-78 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>E<SMALL>XHIBIT</SMALL> 5.15(<SMALL>A</SMALL>) </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>NON-COMPETITION, NON-SOLICITATION AND NON-DISCLOSURE AGREEMENT </U></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This Non-Competition, Non-Solicitation and Non-Disclosure Agreement (the&nbsp;&#147;<B>Agreement</B>&#148;), is made this 18<SUP
STYLE="font-size:85%; vertical-align:top">th</SUP> day of February, 2015, by and among Maurice F. Winkler, III (the &#147;<B>Executive</B>&#148;), Horizon Bancorp (the &#147;<B>Holding Company</B>&#148;) and Horizon Bank, N.A. (the
&#147;<B>Bank</B>&#148;). The Holding Company, the Bank and their affiliated entities are collectively referred to herein as &#147;<B>Horizon</B>.&#148; </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">WITNESSETH: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">WHEREAS, Executive
previously served as the President and Chief Executive Officer of Peoples Federal Savings Bank of DeKalb County or one or more of its affiliates (&#147;<B>Peoples&nbsp;Bank</B>&#148;), including Peoples Bancorp (&#147;<B>Peoples</B>&#148;). Peoples
and Peoples Bank are collectively referred to herein as the &#147;<B>Peoples Entities</B>;&#148; and </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B></B>WHEREAS, Peoples and the
Holding Company have entered into an Agreement and Plan of Merger whereby Peoples will merge with and into the Holding Company (the&nbsp;&#147;<B>Merger</B>&#148;). The combined entities, operations and assets of Horizon and the Peoples Entities
after the Merger are referred to herein as the &#147;<B>Company</B>;&#148; and<B> </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B></B>WHEREAS, the Peoples Entities and the
Executive are parties to that certain Employment Agreement dated December&nbsp;17, 2013 (the &#147;<B>Employment Agreement</B>&#148;); and<B> </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B></B>WHEREAS, in connection with the Merger, the Peoples Entities and the Executive will agree in writing to terminate the Employment
Agreement in exchange for a payment (the&nbsp;&#147;<B>Change in Control Payment</B>&#148;) to be made to the Executive in a lump sum at the effective time of the Merger; and<B> </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">WHEREAS, the Executive will be an employee of the Bank and will be appointed to serve as a member of the board of directors of the Bank and
the Holding Company, each for a period of time after the Merger, and may receive certain other payments or benefits as a result of the Merger; and </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">WHEREAS, as a condition to its agreement to execute and deliver the Agreement and Plan of Merger to Peoples and the continued employment of
the Executive and the Executive&#146;s appointment to the Holding Company&#146;s board of directors, Horizon has requested that the Executive agree to certain restrictions, covenants and agreements, as set forth in this Agreement in order to protect
the Company&#146;s business interests and goodwill, as well as its confidential and proprietary information; and </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">WHEREAS, the Executive,
in consideration of the benefits of the Merger to the Executive, including but not limited to the Executive&#146;s receipt of the Change in Control Payment, the continued employment of the Executive, and the Executive&#146;s appointment to the
Holding Company&#146;s board of directors, has agreed to execute and deliver this Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">NOW, THEREFORE, in consideration of the
foregoing premises, the mutual covenants, agreements and obligations contained herein, and subject to and effective only upon the consummation </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-79 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
of the Merger, and for other good and valuable consideration, the receipt, legal adequacy and sufficiency of which are hereby acknowledged, the parties agree as follows: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">1. <B><U>Contingency</U>.</B> This Agreement shall be contingent on the consummation of the Merger. If the Merger is not consummated for any
reason, this Agreement will be null and void as of the date of the public announcement of the cancellation of the intent to consummate the Merger. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">2. <U><B>Definitions</B></U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) <U>Confidential Information</U>. For purposes of this Agreement, the term &#147;<B>Confidential Information</B>&#148; means
any and all: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:8%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) materials, records, data, documents, lists, writings and information (whether in writing, printed,
verbal, electronic, computerized, on disk or otherwise) (A)&nbsp;relating or referring in any manner to the business, operations, affairs, financial condition, results of operation, cash flow, assets, liabilities, sales, revenues, income, estimates,
projections, policies, strategies, techniques, methods, products, developments, suppliers, relationships and/or customers of the Company that are confidential, proprietary or not otherwise publicly available, in any event not without a breach of
this Agreement, or (B)&nbsp;that the Company has deemed confidential, proprietary or nonpublic information of the Company; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:8%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) trade secrets of the Company, as defined in the Michigan Compiled Laws &#167;445.1902, as amended, or Title 24, Article 2,
Chapter 3, Section&nbsp;2 of the Indiana Code (IC-24-2-3-2), as amended, or any successor statutes; and </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:8%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iii) any and all
copies, summaries, analyses and extracts which relate or refer to or reflect any of the items set forth in (i)&nbsp;or (ii)&nbsp;above. The Executive agrees that all Confidential Information is confidential and is and at all times shall remain the
property of Horizon. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">3. <U><B>Access to and Return of Confidential Information</B></U> </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) The Executive understands, acknowledges and agrees that during the course of his employment with the Company he has gained
or will gain information regarding, knowledge of and familiarity with the Confidential Information of the Company and that if the Confidential Information was disclosed by the Executive, Horizon would suffer irreparable damage and harm. The
Executive understands, acknowledges and agrees that the Confidential Information derives substantial economic value from, among other reasons, not being known or readily ascertainable by proper means by others who could obtain economic value
therefrom upon disclosure. The Executive acknowledges and agrees that Horizon uses reasonable means to maintain the secrecy and confidentiality of the Confidential Information. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) The Executive covenants and agrees: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:8%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) to keep all Confidential Information subject to Horizon&#146;s custody and control and to promptly return to the Bank all
Confidential Information that is still in the </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-80 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:8%; font-size:10pt; font-family:Times New Roman">
Executive&#146;s possession or control at the termination of the Executive&#146;s employment with Horizon; and </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:8%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) promptly upon termination of the Executive&#146;s employment with Horizon, to return to the Bank, at the Bank&#146;s
principal office, all vehicles, equipment, computers, credit cards and other property of the Company and to cease using any of the foregoing. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">4. <U><B>Restrictive Covenants</B></U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) <U>Non-Competition</U>. During Executive&#146;s employment with Horizon and for a period of twenty-four (24)&nbsp;months
thereafter, Executive shall not in or from any of the Counties of Cass, Kalamazoo and St. Joseph in the State of Michigan and the Counties of Allen, DeKalb, Elkhart, LaGrange, Noble and Whitley in the State of Indiana directly or indirectly own,
manage, finance, operate, control or participate in ownership, management, or operation of, act as an agent, consultant, or be employed in a competitive capacity with, any business engaged in the development, production, marketing, sale or servicing
of any service or product (i)&nbsp;with which Executive was involved during his last year of employment with the Company, or (ii)&nbsp;which the Company was developing, producing, marketing, selling or servicing (or plans to develop, produce,
market, sale or service). In the event the foregoing geographic area is deemed overly broad or unenforceable under applicable law, the restricted area shall be the geographic area in which Executive has been performing services, or for which
Executive has been assigned responsibility, at any time within one (1)&nbsp;year preceding the date of the termination of his employment. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) <U>Non-Solicitation</U>. During Executive&#146;s employment with Horizon and for twenty-four (24)&nbsp;months thereafter,
Executive will not, in a competitive capacity, on behalf of any person or entity other than the Bank, directly or indirectly: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:8%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) solicit, divert (or attempt to solicit or divert) or accept business from any customer of the Bank; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:8%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) solicit, divert (or attempt to solicit or divert) or accept business from any customer of the Bank with whom Executive has
had contact (either directly or indirectly) or over which Executive has had responsibility at any time in the one (1)&nbsp;year preceding the date of the termination of his employment, or about whom Executive has obtained confidential or proprietary
information; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:8%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iii) solicit, divert (or attempt to solicit or divert) or accept business from any identified prospective
customer of the Bank; or </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:8%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iv) solicit, divert (or attempt to solicit or divert) or accept business from any identified
prospective customer of the Bank with whom Executive had contact (either directly or indirectly) or over which Executive had responsibility at any time in the one (1)&nbsp;year preceding the date of the termination of his employment, or about whom
Executive has obtained confidential or proprietary information. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">Further, during Executive&#146;s employment with Horizon
and for twenty-four (24)&nbsp;months after the termination of his employment, Executive will not directly or indirectly encourage, solicit, induce, or </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-81 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">
attempt to encourage, solicit or induce any other employee, agent or representative of Horizon to leave his/her employment (or terminate his/her relationship) with Horizon (or devote less than
full time efforts to Horizon&#146;s business), and Executive will not directly or indirectly hire or attempt to hire, for any competitive or other position with any competitor or other business, any employee, agent or representative of Horizon who
has been an employee, agent or representative of Horizon at any time within the preceding 180 days. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c)
<U>Non-Disclosure</U>. At all times during and after the termination of his employment, the Executive shall not (i)&nbsp;directly or indirectly disclose, provide or discuss any Confidential Information with or to any person other than those
directors, officers, employees, representatives and agents of Horizon who need to know such Confidential Information for a proper corporate purpose, and (ii)&nbsp;directly or indirectly use any Confidential Information (A)&nbsp;to compete against
Horizon, or (B)&nbsp;for the Executive&#146;s own benefit or for the benefit of any person or entity other than Horizon. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">5. <U><B>Periods
of Noncompliance and Reasonableness of Periods</B></U>. The restrictions and covenants contained in Section&nbsp;4 shall be deemed not to run during all periods of noncompliance, the intention of the parties hereto being to have such restrictions
and covenants apply during the term of this Agreement and for the full periods specified in Section&nbsp;4. The parties hereto understand, acknowledge and agree that the restrictions and covenants contained in Section&nbsp;4 are reasonable in view
of the nature of the business in which the Company is engaged, the Executive&#146;s position with the Company and the Executive&#146;s advantageous knowledge of and familiarity with the business, operations, affairs, employees, and customers of the
Company. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The restrictions and covenants contained in Section&nbsp;4 are essential terms and conditions to Horizon entering into this
Agreement, and shall be construed as independent of any other provision in this Agreement. The existence of any claim or cause of action the Executive has against the Company, whether predicated on this Agreement or otherwise, shall not constitute a
defense to the enforcement by the Bank or the Holding Company of these covenants. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Horizon&#146;s obligation to pay any amounts otherwise
payable to the Executive pursuant to this Agreement or any other agreement or arrangement shall immediately terminate in the event that the Executive breaches any of the provisions of Section&nbsp;4. Notwithstanding the foregoing: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) the covenants of the Executive set forth in Section&nbsp;4 shall continue in full force and effect and be binding upon the
Executive; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) The Bank and the Holding Company shall each be entitled to the remedies specified in Section&nbsp;6; and
</P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) The Bank and the Holding Company shall each be entitled to its damages, costs and expenses (including, without
limitation, reasonable attorneys&#146; fees and expenses) resulting from or relating to the Executive&#146;s breach of any of the provisions of Section&nbsp;4. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">6. <U><B>Remedies</B></U>. The Executive agrees that Horizon shall suffer irreparable damage and injury and shall not have an adequate remedy
at law in the event of any actual, threatened or attempted breach by the Executive of any provision of Section&nbsp;4. Accordingly, in the event of a breach or a threatened or attempted breach by the Executive of any provision of Section&nbsp;4, in
addition to all other remedies to </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-82 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
which Horizon is entitled at law, in equity or otherwise, it may be entitled to a temporary restraining order and a permanent injunction or a decree of specific performance of any provision of
Section&nbsp;4. The foregoing remedies shall not be deemed to be the exclusive rights or remedies of Horizon for any breach of or noncompliance with this Agreement by the Executive but shall be in addition to all other rights and remedies available
to it at law, in equity or otherwise. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">7. <U><B>Severability</B></U>. In case any one or more of the provisions (or any portion thereof)
contained herein will, for any reason, be held to be invalid, illegal or unenforceable in any respect, such invalidity, illegality or unenforceability shall not affect any other provision of this Agreement, but this Agreement shall be construed as
if such invalid, illegal or unenforceable provision or provisions (or portion thereof) had never been contained herein. If any provision of this Agreement shall be determined by a court of competent jurisdiction to be unenforceable because of the
provision&#146;s scope, duration or other factor, then such provision shall be considered divisible and the court making such determination shall have the power to reduce or limit (but not increase or make greater) such scope, duration or other
factor or to reform (but not increase or make greater) such provision to make it enforceable to the maximum extent permitted by law, and such provision shall then be enforceable against the appropriate party hereto in its reformed, reduced or
limited form; provided, however, that a provision shall be enforceable in its reformed, reduced or limited form only in the particular jurisdiction in which a court of competent jurisdiction makes such determination. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">8. <U><B>Effect of Headings</B></U>. The descriptive headings of the Sections and, where applicable, subsections, of this Agreement are
inserted for convenience and identification only and do not constitute a part of this Agreement for purposes of interpretation. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">9.
<U><B>Controlling Laws</B></U>. Except to the extent superseded by the laws of the United States, the laws of the State of Indiana, without reference to the choice of law principles thereof, shall be controlling in all matters relating to this
Agreement. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">10. <U><B>Counterparts</B></U>. This Agreement may be executed in two or more counterparts, each of which shall be deemed an
original, but all of which collectively shall constitute one and the same instrument. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><I>[Signature page follows] </I></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-83 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be executed on the day and
year first above written. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>
<TD WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="44%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="4%"></TD>
<TD VALIGN="bottom"></TD>
<TD WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="44%"></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"><B>HORIZON BANK, N.A.</B></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top" COLSPAN="3"><B>HORIZON BANCORP</B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">Craig M. Dwight,</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top" COLSPAN="3">Craig M. Dwight,</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">Chairman and Chief Executive Officer</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top" COLSPAN="3">Chairman and Chief Executive Officer</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16" COLSPAN="3"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"><B>EXECUTIVE</B></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16" COLSPAN="3"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">Maurice F. Winkler, III</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-84 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>E<SMALL>XHIBIT</SMALL> 5.15(<SMALL>B</SMALL>) </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>NON-COMPETITION, NON-SOLICITATION AND NON-DISCLOSURE AGREEMENT </U></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This Non-Competition, Non-Solicitation and Non-Disclosure Agreement (the&nbsp;&#147;<B>Agreement</B>&#148;), is made this 18<SUP
STYLE="font-size:85%; vertical-align:top">th</SUP> day of February, 2015, by and among Steven H. Caryer (the &#147;<B>Executive</B>&#148;), Horizon Bancorp (the &#147;<B>Holding Company</B>&#148;) and Horizon Bank, N.A. (the
&#147;<B>Bank</B>&#148;). The Holding Company, the Bank and their affiliated entities are collectively referred to herein as &#147;<B>Horizon</B>.&#148; </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">WITNESSETH: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">WHEREAS, Executive
previously served as the Chief Financial Officer of Peoples Federal Savings Bank of DeKalb County or one or more of its affiliates (&#147;<B>Peoples&nbsp;Bank</B>&#148;), including Peoples Bancorp (&#147;<B>Peoples</B>&#148;). Peoples and Peoples
Bank are collectively referred to herein as the &#147;<B>Peoples Entities</B>;&#148; and </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B></B>WHEREAS, Peoples and the Holding Company
have entered into an Agreement and Plan of Merger whereby Peoples will merge with and into the Holding Company (the&nbsp;&#147;<B>Merger</B>&#148;). The combined entities, operations and assets of Horizon and the Peoples Entities after the Merger
are referred to herein as the &#147;<B>Company</B>;&#148; and<B> </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B></B>WHEREAS, the Peoples Entities and the Executive are parties
to that certain Employment Agreement dated December&nbsp;17, 2013 (the &#147;<B>Employment Agreement</B>&#148;); and<B> </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B></B>WHEREAS, in connection with the Merger, the Peoples Entities and the Executive will agree in writing to terminate the Employment
Agreement in exchange for a payment (the&nbsp;&#147;<B>Change in Control Payment</B>&#148;) to be made to the Executive in a lump sum at the effective time of the Merger; and<B> </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">WHEREAS, the Executive will be an employee of the Bank for a period of time after the Merger, and may receive certain other payments or
benefits as a result of the Merger; and </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">WHEREAS, as a condition to its agreement to execute and deliver the Agreement and Plan of Merger
to Peoples and the continued employment of the Executive, Horizon has requested that the Executive agree to certain restrictions, covenants and agreements, as set forth in this Agreement in order to protect the Company&#146;s business interests and
goodwill, as well as its confidential and proprietary information; and </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">WHEREAS, the Executive, in consideration of the benefits of the
Merger to the Executive, including but not limited to the Executive&#146;s receipt of the Change in Control Payment and the continued employment of the Executive, has agreed to execute and deliver this Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">NOW, THEREFORE, in consideration of the foregoing premises, the mutual covenants, agreements and obligations contained herein, and subject to
and effective only upon the consummation of the Merger, and for other good and valuable consideration, the receipt, legal adequacy and sufficiency of which are hereby acknowledged, the parties agree as follows: </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-85 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">1.&nbsp;&nbsp;&nbsp;&nbsp;<B> <U>Contingency</U>.</B> This Agreement shall be contingent on the
consummation of the Merger. If the Merger is not consummated for any reason, this Agreement will be null and void as of the date of the public announcement of the cancellation of the intent to consummate the Merger. </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">2.</TD>
<TD ALIGN="left" VALIGN="top"><B><U>Definitions</U>.</B> </TD></TR></TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) <U>Confidential Information</U>. For purposes
of this Agreement, the term &#147;<B>Confidential Information</B>&#148; means any and all: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:8%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) materials, records, data,
documents, lists, writings and information (whether in writing, printed, verbal, electronic, computerized, on disk or otherwise) (A)&nbsp;relating or referring in any manner to the business, operations, affairs, financial condition, results of
operation, cash flow, assets, liabilities, sales, revenues, income, estimates, projections, policies, strategies, techniques, methods, products, developments, suppliers, relationships and/or customers of the Company that are confidential,
proprietary or not otherwise publicly available, in any event not without a breach of this Agreement, or (B)&nbsp;that the Company has deemed confidential, proprietary or nonpublic information of the Company; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:8%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) trade secrets of the Company, as defined in the Michigan Compiled Laws &#167;445.1902, as amended, or Title 24, Article 2,
Chapter 3, Section&nbsp;2 of the Indiana Code (IC-24-2-3-2), as amended, or any successor statutes; and </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:8%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iii) any and all
copies, summaries, analyses and extracts which relate or refer to or reflect any of the items set forth in (i)&nbsp;or (ii)&nbsp;above. The Executive agrees that all Confidential Information is confidential and is and at all times shall remain the
property of Horizon. </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">3.</TD>
<TD ALIGN="left" VALIGN="top"><U><B>Access to and Return of Confidential Information</B></U> </TD></TR></TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) The
Executive understands, acknowledges and agrees that during the course of his employment with the Company he has gained or will gain information regarding, knowledge of and familiarity with the Confidential Information of the Company and that if the
Confidential Information was disclosed by the Executive, Horizon would suffer irreparable damage and harm. The Executive understands, acknowledges and agrees that the Confidential Information derives substantial economic value from, among other
reasons, not being known or readily ascertainable by proper means by others who could obtain economic value therefrom upon disclosure. The Executive acknowledges and agrees that Horizon uses reasonable means to maintain the secrecy and
confidentiality of the Confidential Information. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) The Executive covenants and agrees: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:8%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) to keep all Confidential Information subject to Horizon&#146;s custody and control and to promptly return to the Bank all
Confidential Information that is still in the Executive&#146;s possession or control at the termination of the Executive&#146;s employment with Horizon; and </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-86 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:8%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) promptly upon termination of the Executive&#146;s employment with Horizon,
to return to the Bank, at the Bank&#146;s principal office, all vehicles, equipment, computers, credit cards and other property of the Company and to cease using any of the foregoing. </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">4.</TD>
<TD ALIGN="left" VALIGN="top"><U><B>Restrictive Covenants</B></U>. </TD></TR></TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) <U>Non-Competition</U>. During
Executive&#146;s employment with Horizon and for a period of twenty-four (24)&nbsp;months thereafter, Executive shall not in or from the area encompassing a 10-mile radius from Waterloo, Indiana directly or indirectly own, manage, finance, operate,
control or participate in ownership, management, or operation of, act as an agent, consultant, or be employed in a competitive capacity with, any business engaged in the development, production, marketing, sale or servicing of any service or product
(i)&nbsp;with which Executive was involved during his last year of employment with the Company, or (ii)&nbsp;which the Company was developing, producing, marketing, selling or servicing (or plans to develop, produce, market, sale or service). In the
event the foregoing geographic area is deemed overly broad or unenforceable under applicable law, the restricted area shall be the geographic area in which Executive has been performing services, or for which Executive has been assigned
responsibility, at any time within one (1)&nbsp;year preceding the date of the termination of his employment. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b)
<U>Non-Solicitation</U>. During Executive&#146;s employment with Horizon and for twenty-four (24)&nbsp;months thereafter, Executive will not, in a competitive capacity, on behalf of any person or entity other than the Bank, directly or indirectly:
</P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:8%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) solicit, divert (or attempt to solicit or divert) or accept business from any customer of the Bank; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:8%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) solicit, divert (or attempt to solicit or divert) or accept business from any customer of the Bank with whom Executive has
had contact (either directly or indirectly) or over which Executive has had responsibility at any time in the one (1)&nbsp;year preceding the date of the termination of his employment, or about whom Executive has obtained confidential or proprietary
information; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:8%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iii) solicit, divert (or attempt to solicit or divert) or accept business from any identified prospective
customer of the Bank; or </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:8%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iv) solicit, divert (or attempt to solicit or divert) or accept business from any identified
prospective customer of the Bank with whom Executive had contact (either directly or indirectly) or over which Executive had responsibility at any time in the one (1)&nbsp;year preceding the date of the termination of his employment, or about whom
Executive has obtained confidential or proprietary information. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">Further, during Executive&#146;s employment with Horizon
and for twenty-four (24)&nbsp;months after the termination of his employment, Executive will not directly or indirectly encourage, solicit, induce, or attempt to encourage, solicit or induce any other employee, agent or representative of Horizon to
leave his/her employment (or terminate his/her relationship) with Horizon (or devote less than full time efforts to Horizon&#146;s business), and Executive will not directly or indirectly hire or attempt to hire, for any competitive or other
position with any competitor or other business, any employee, agent or </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-87 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">
representative of Horizon who has been an employee, agent or representative of Horizon at any time within the preceding 180 days. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) <U>Non-Disclosure</U>. At all times during and after the termination of his employment, the Executive shall not
(i)&nbsp;directly or indirectly disclose, provide or discuss any Confidential Information with or to any person other than those directors, officers, employees, representatives and agents of Horizon who need to know such Confidential Information for
a proper corporate purpose, and (ii)&nbsp;directly or indirectly use any Confidential Information (A)&nbsp;to compete against Horizon, or (B)&nbsp;for the Executive&#146;s own benefit or for the benefit of any person or entity other than Horizon.
</P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">5. <U><B>Periods of Noncompliance and Reasonableness of Periods</B></U>. The restrictions and covenants contained in Section&nbsp;4 shall
be deemed not to run during all periods of noncompliance, the intention of the parties hereto being to have such restrictions and covenants apply during the term of this Agreement and for the full periods specified in Section&nbsp;4. The parties
hereto understand, acknowledge and agree that the restrictions and covenants contained in Section&nbsp;4 are reasonable in view of the nature of the business in which the Company is engaged, the Executive&#146;s position with the Company and the
Executive&#146;s advantageous knowledge of and familiarity with the business, operations, affairs, employees, and customers of the Company. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The restrictions and covenants contained in Section&nbsp;4 are essential terms and conditions to Horizon entering into this Agreement, and
shall be construed as independent of any other provision in this Agreement. The existence of any claim or cause of action the Executive has against the Company, whether predicated on this Agreement or otherwise, shall not constitute a defense to the
enforcement by the Bank or the Holding Company of these covenants. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Horizon&#146;s obligation to pay any amounts otherwise payable to the
Executive pursuant to this Agreement or any other agreement or arrangement shall immediately terminate in the event that the Executive breaches any of the provisions of Section&nbsp;4. Notwithstanding the foregoing: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) the covenants of the Executive set forth in Section&nbsp;4 shall continue in full force and effect and be binding upon the
Executive; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) The Bank and the Holding Company shall each be entitled to the remedies specified in Section&nbsp;6; and
</P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) The Bank and the Holding Company shall each be entitled to its damages, costs and expenses (including, without
limitation, reasonable attorneys&#146; fees and expenses) resulting from or relating to the Executive&#146;s breach of any of the provisions of Section&nbsp;4. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">6. <U><B>Remedies</B></U>. The Executive agrees that Horizon shall suffer irreparable damage and injury and shall not have an adequate remedy
at law in the event of any actual, threatened or attempted breach by the Executive of any provision of Section&nbsp;4. Accordingly, in the event of a breach or a threatened or attempted breach by the Executive of any provision of Section&nbsp;4, in
addition to all other remedies to which Horizon is entitled at law, in equity or otherwise, it may be entitled to a temporary restraining order and a permanent injunction or a decree of specific performance of any provision of Section&nbsp;4. The
foregoing remedies shall not be deemed to be the exclusive rights or remedies of Horizon for any breach </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-88 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
of or noncompliance with this Agreement by the Executive but shall be in addition to all other rights and remedies available to it at law, in equity or otherwise. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">7. <U><B>Severability</B></U>. In case any one or more of the provisions (or any portion thereof) contained herein will, for any reason, be
held to be invalid, illegal or unenforceable in any respect, such invalidity, illegality or unenforceability shall not affect any other provision of this Agreement, but this Agreement shall be construed as if such invalid, illegal or unenforceable
provision or provisions (or portion thereof) had never been contained herein. If any provision of this Agreement shall be determined by a court of competent jurisdiction to be unenforceable because of the provision&#146;s scope, duration or other
factor, then such provision shall be considered divisible and the court making such determination shall have the power to reduce or limit (but not increase or make greater) such scope, duration or other factor or to reform (but not increase or make
greater) such provision to make it enforceable to the maximum extent permitted by law, and such provision shall then be enforceable against the appropriate party hereto in its reformed, reduced or limited form; provided, however, that a provision
shall be enforceable in its reformed, reduced or limited form only in the particular jurisdiction in which a court of competent jurisdiction makes such determination. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">8. <U><B>Effect of Headings</B></U>. The descriptive headings of the Sections and, where applicable, subsections, of this Agreement are
inserted for convenience and identification only and do not constitute a part of this Agreement for purposes of interpretation. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">9.
<U><B>Controlling Laws</B></U>. Except to the extent superseded by the laws of the United States, the laws of the State of Indiana, without reference to the choice of law principles thereof, shall be controlling in all matters relating to this
Agreement. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">10. <U><B>Counterparts</B></U>. This Agreement may be executed in two or more counterparts, each of which shall be deemed an
original, but all of which collectively shall constitute one and the same instrument. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><I>[Signature page follows] </I></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-89 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be executed on the day and
year first above written. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>
<TD WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="44%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="4%"></TD>
<TD VALIGN="bottom"></TD>
<TD WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="44%"></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"><B>HORIZON BANK, N.A.</B></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top" COLSPAN="3"><B>HORIZON BANCORP</B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">Craig M. Dwight,</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top" COLSPAN="3">Craig M. Dwight,</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">Chairman and Chief Executive Officer</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top" COLSPAN="3">Chairman and Chief Executive Officer</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16" COLSPAN="3"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"><B>EXECUTIVE</B></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16" COLSPAN="3"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">Steven H. Caryer</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-90 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>E<SMALL>XHIBIT</SMALL> 5.23(<SMALL>A</SMALL>) </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>MUTUAL TERMINATION OF EMPLOYMENT AGREEMENT </U></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This Mutual Termination of Employment Agreement (&#147;<B>Agreement</B>&#148;) is entered into on this
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;day of &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, 2015, but effective as of the Effective Time (as defined herein), by and among Peoples Bancorp
(&#147;<B>Peoples</B>&#148;), Peoples Federal Savings Bank of DeKalb County (&#147;<B>Peoples Bank</B>&#148;), and Maurice F. Winkler, III, the current President and Chief Executive Officer of Peoples Bank (the &#147;<B>Executive</B>&#148;)
(hereinafter collectively referred to as the &#147;<B>Parties</B>&#148;). Horizon Bancorp (&#147;<B>Horizon</B>&#148;), a bank holding company under the Bank Holding Company Act of 1956, as amended, and Horizon Bank, National Association
(&#147;<B>Horizon Bank</B>&#148;), a wholly-owned national banking association subsidiary of Horizon, are Parties for the limited purposes described herein. </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>RECITALS </U></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">WHEREAS,
Peoples, Peoples Bank and the Executive entered into a certain Employment Agreement, dated as of December&nbsp;17, 2013 (the &#147;<B>Employment Agreement</B>&#148;); and </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">WHEREAS, pursuant to that certain Agreement and Plan of Merger dated February&nbsp;18, 2015, by and between Peoples and Horizon (the
&#147;<B>Merger Agreement</B>&#148;), Peoples shall be merged with and into Horizon (the &#147;<B>Merger</B>&#148;) effective as of the date and time as provided in the Merger Agreement (the &#147;<B>Effective Time</B>&#148;); and </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">WHEREAS, pursuant to the Merger Agreement, as a condition precedent to the Merger, Horizon has consented to the termination of the Employment
Agreement; and </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">WHEREAS, in light of the Merger, the Parties desire to mutually terminate the Employment Agreement; and </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">WHEREAS, Horizon Bank has agreed to employ the Executive, and the Executive has agreed to be employed by Horizon Bank as an employee-at-will
of Horizon Bank as of the Effective Time; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">NOW, THEREFORE, in consideration of the mutual promises herein contained, and other good and
valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the Parties agree as follows: </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>TERMS AND
CONDITIONS </U></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">1. <U>Termination of Employment Agreement</U>. The Parties hereby agree that the Employment Agreement shall terminate
and the Executive&#146;s employment with Peoples shall cease, and all of the Executive&#146;s rights to compensation, payments and/or benefits under the Employment Agreement or with respect to the Executive&#146;s employment with Peoples or Peoples
Bank shall cease (except: (i)&nbsp;any vested benefits to which the Executive is entitled under any tax-qualified retirement plan sponsored by Peoples or Peoples Bank that is designed to satisfy the requirements of Section&nbsp;401(a) of the
Internal Revenue Code of 1986, as amended (the &#147;<B>Code</B>&#148;); (ii)&nbsp;any accrued, but unpaid salary and/or vacation; or (iii)&nbsp;under Section&nbsp;2 of this Agreement), effective as of the Effective Time. Notwithstanding the
foregoing, the Executive hereby acknowledges and agrees that the Amount (as defined below) to be paid to the </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-91 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
Executive hereunder is in lieu of any severance benefits that would otherwise be available to the Executive under any severance pay policy or practice of Peoples Bank or its subsidiaries or
affiliates, or Horizon Bank or its subsidiaries or affiliates, in the event that the Executive&#146;s employment with either Peoples, Peoples Bank, Horizon or Horizon Bank, or any of their subsidiaries or affiliates, terminates for any reason. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">2. <U>Consideration</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) Subject to Section&nbsp;4, as consideration for the Executive to enter into this Agreement and its attachments, appendices
and exhibits, to terminate the Employment Agreement with Peoples, Peoples or Peoples Bank shall pay to the Executive an amount equal to $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(the &#147;<B>Amount</B>&#148;), less
any withholdings for applicable taxes required by law. Subject to the foregoing, Peoples or Peoples Bank shall pay the Amount to the Executive in a lump sum on the Effective Time. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) The Executive hereby acknowledges and agrees that: (i)&nbsp;the Amount is a sum which is equivalent to the sum to which the
Executive would otherwise be entitled under Paragraph 9(b) of the Employment Agreement in the event of a qualifying termination of the Executive&#146;s employment after a Change of Control; and, (ii)&nbsp;except as provided in this Agreement, the
Executive is not entitled to receive any further compensation, payments and/or employee benefits under the Employment Agreement or pursuant to the Executive&#146;s relationship with Peoples or Peoples Bank. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">3. <U>Governing Law, Jurisdiction, Venue and Waiver of Jury Trial</U>. To the extent subject to Section&nbsp;409A of the Internal Revenue Code
of 1986, as amended (the &#147;<B>Code</B>&#148;), this Agreement will be administered to comply with the provisions thereof and the regulations thereunder. To the extent not inconsistent with the previous sentence, this Agreement shall be governed
by and construed in accordance with the laws of the State of Indiana, without reference to the choice of law principles or rules thereof. The Parties hereto irrevocably consent to the jurisdiction and venue of the state court for the State of
Indiana located in Indianapolis, Indiana, or the Federal District Court for the Northern District of Indiana, Indianapolis Division, located in Marion County, Indiana, and agree that all actions, proceedings, litigation, disputes, or claims relating
to or arising out of this Agreement shall be brought and tried only in such courts. Notwithstanding the foregoing Peoples or Peoples Bank, or the successors of each, reserve the right to pursue injunctive relief in any state or federal court of
proper jurisdiction and venue. EACH OF THE PARTIES WAIVES ANY RIGHTS THAT IT MAY HAVE TO BRING A CAUSE OF ACTION IN ANY COURT OR IN ANY PROCEEDING INVOLVING A JURY TO THE MAXIMUM EXTENT PERMITTED BY LAW. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">4. <U>Limitation of Benefit</U>. Notwithstanding anything to the contrary in this Agreement, if there are payments to the Executive which
constitute &#147;parachute payments,&#148; as defined in Section&nbsp;280G of the Code, then the payments made to the Executive shall be limited to One Dollar ($1.00) less than the amount which would cause the payments to the Executive (including
payments to the Executive which are not included in this Agreement) to be subject to the excise tax imposed by Section&nbsp;4999 of the Code. The calculations shall be done by an outside party in accordance with the Merger Agreement. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">5. <U>Binding Effect; Assignment</U>. This Agreement shall be binding upon and inure to the benefit of Peoples and Peoples Bank and their
respective successors and assigns. This Agreement may </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-92 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
be assigned, without the prior consent of the Executive to a successor of Peoples or Peoples Bank (and the Executive hereby consents to the assignment of the covenants under this Agreement to a
purchaser of all or substantially all of the stock of Peoples or Peoples Bank, by merger or otherwise) and, upon the Executive&#146;s death, this Agreement shall terminate except to the extent any payments remain due Executive in which case the
payments shall inure to the benefit of and be enforceable by the Executive&#146;s executors, administrators, representatives, heirs, distributees, devisees, and legatees and all amounts payable hereunder shall be paid to such persons or the estate
of the Executive. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">6. <U>Entire Agreement</U>. This Agreement, including all attachments, appendices and exhibits hereto, comprises the
entire agreement between the Parties with respect to the subject matter hereof and supersedes all earlier agreements (whether oral or written) relating to the subject matter hereof. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">7. <U>Waiver; Amendment</U>. No provision or obligation of this Agreement may be waived or discharged unless such waiver or discharge is agreed
to in writing and signed by the parties to be bound. The waiver by any Party hereto of a breach of or noncompliance with any provision of this Agreement shall not operate or be construed as a continuing waiver or a waiver of any other or subsequent
breach or noncompliance hereunder. Except as expressly provided otherwise herein, this Agreement may be amended, modified or supplemented only by a written agreement executed by parties to be bound thereto. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">8. <U>Severability</U>. All provisions of this Agreement are severable from one another, and the unenforceability or invalidity of any
provision of this Agreement shall not affect the validity or enforceability of the remaining provisions of this Agreement; provided, however, that should any judicial body interpreting this Agreement deem any provision to be unreasonably broad in
time, territory, scope or otherwise, the parties intend for the judicial body, to the greatest extent possible, to reduce the breadth of the provision to the maximum legally allowable parameters rather than deeming such provision totally
unenforceable or invalid. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">9. <U>Further Assurances</U>. Each of the Parties hereto shall do, execute, acknowledge, and deliver or cause to
be done, executed, acknowledged and delivered at any time and from time to time upon the request of any other Parties hereto, all such further acts, documents and instruments as may be reasonably required to effect any of the transactions
contemplated by this Agreement. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">10. <U>Notice</U>. Any notice, request, instruction, or other document to be given hereunder to any party
shall be in writing and delivered by hand, registered or certified United States mail, return receipt requested, or other form of receipted delivery, with all expenses of delivery prepaid, as follows: </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="51%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="47%"></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="text-indent:2.00em; font-size:10pt; font-family:Times New Roman">If to the Executive:</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">If to Peoples or Peoples Bank:</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Attn: President and CEO</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="text-indent:2.00em; font-size:10pt; font-family:Times New Roman">2506 CR 47</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">212 W. 7<SUP STYLE="font-size:85%; vertical-align:top">th</SUP> Street</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="text-indent:2.00em; font-size:10pt; font-family:Times New Roman">Waterloo, Indiana 46706</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Auburn, Indiana 46706</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">or to such other address as either party hereto may have furnished to the other in writing in accordance with the preceding.
</P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">11. <U>Headings</U>. The headings in this Agreement have been inserted solely for ease of reference and shall not be considered in the
interpretation, construction, or enforcement of this Agreement. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-93 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B></B>12. <U>Release</U>. For and in consideration of the foregoing covenants and promises made
by Peoples and Peoples Bank, and the performance of such covenants and promises, the sufficiency of which is hereby acknowledged, the Executive agrees to release Peoples and Peoples Bank and all other persons named in the Release from any and all
causes of action that the Executive has or may have against them before the effective date of the Release, other than a breach of this Agreement. The Executive shall execute a&nbsp;separate Release of All Claims substantially in the form attached
hereto as <U>Appendix A</U>. <B>THE EXECUTIVE&#146;S RIGHT TO BENEFITS HEREUNDER SHALL BE CONTINGENT ON THE SIGNING, FILING AND NOT REVOKING THE RELEASE OF ALL CLAIMS WITHIN THE PERIODS REQUIRED BY LAW AND AS PROVIDED IN THE RELEASE OF ALL CLAIMS.
</B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">13. <U>Review and Consultation</U>. The Parties hereby acknowledge and agree that each (a)&nbsp;has read this Agreement in its
entirety prior to executing it, (b)&nbsp;understands the provisions and effects of this Agreement, (c)&nbsp;has consulted with such attorneys, accountants, and financial and other advisors as it or she has deemed appropriate in connection with their
respective execution of this Agreement, and (d)&nbsp;has executed this Agreement voluntarily. <B>THE EXECUTIVE HEREBY UNDERSTANDS, ACKNOWLEDGES, AND AGREES THAT THIS AGREEMENT HAS BEEN PREPARED BY COUNSEL FOR PEOPLES AND PEOPLES BANK AND THAT THE
EXECUTIVE HAS NOT RECEIVED ANY ADVICE, COUNSEL, OR RECOMMENDATION WITH RESPECT TO THIS AGREEMENT FROM PEOPLES OR PEOPLES BANK OR THEIR COUNSEL.</B> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">[Signature Page Follows] </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-94 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">IN WITNESS WHEREOF, the undersigned have executed this Mutual Termination of Employment Agreement
as of the day and year first above written. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="49%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="3%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="46%"></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">EXECUTIVE</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"><U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Maurice F. Winkler, III</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Peoples Bancorp</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Peoples Federal Savings Bank of DeKalb County</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:&nbsp;&nbsp;<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">By:&nbsp;&nbsp;<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Its:&nbsp;&nbsp;<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Its:&nbsp;&nbsp;<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16" COLSPAN="5"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="5"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">For the limited purpose of acknowledging its consent, pursuant to the Merger Agreement, to Peoples and Peoples Bank entering</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">into this Agreement:</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Horizon Bancorp</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Horizon Bank, National Association</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:&nbsp;&nbsp;<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">By:&nbsp;&nbsp;<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Its:&nbsp;&nbsp;<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Its:&nbsp;&nbsp;<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">[Signature Page for Mutual Termination of Employment Agreement] </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-95 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>APPENDIX A </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>RELEASE OF ALL CLAIMS </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">FOR
VALUABLE CONSIDERATION, including the payment to the Executive of certain severance benefits, the Executive hereby makes this Release of All Claims (&#147;Release&#148;) in favor of Peoples Bancorp, Peoples Federal Savings Bank of DeKalb County, and
their successors and assigns (including all subsidiaries and affiliates) (collectively the &#147;Released Parties&#148;) and its agents as set forth herein. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">1. The Executive releases, waives and discharges the Released Parties and their agents (as defined below) from all claims, whether known or
unknown, arising out of the Executive&#146;s employment relationship with the Released Parties, the termination of that relationship, and all other events, incidents, or actions occurring before the date on which this Release is signed; provided,
however, this Release shall not apply to any claim based on the Released Parties&#146; breach of Sections 1 or 2 of the Mutual Termination of Employment Agreement. Claims released herein include, but are not limited to, discrimination claims based
on age, race, sex, religion, national origin, disability, veteran status, or any other employment claim, including claims arising under The Civil Rights Act of 1866, 42 U.S.C. &#167; 1981; Title VII of the Civil Rights Act of 1964; the Americans
with Disabilities Act; the Age Discrimination in Employment Act of 1967; the Federal Rehabilitation Act of 1973; the Older Workers&#146; Benefits Protection Act; the Employee Retirement Income Security Act of 1974; the Fair Labor Standards Act; the
Family and Medical Leave Act (to the extent that FMLA claims may be released under governing law), the Indiana Civil Rights Act, the Indiana Wage Payment and Wage Claims Acts, any Federal or State wage and hour laws and all other similar Federal or
State statutes; and any and all tort or contract claims, including, but not limited to, breach of contract, breach of good faith and fair dealing, infliction of emotional distress, defamation, or wrongful termination or discharge. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">2. The Executive further acknowledges that the Released Parties have advised the Executive to consult with an attorney of the Executive&#146;s
own choosing and that the Executive has had ample time and adequate opportunity to thoroughly discuss all aspects of this Release with legal counsel prior to executing this Release. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">3. The Executive agrees that the Executive is signing this Release of Executives own free will and is not signing under duress. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">4. In the event the Executive is 40 years of age or older, the Executive acknowledges that the Executive has been given a period of 21 days to
review and consider a draft of this Release in substantially the form of the copy now being executed and has carefully considered the terms of this Release. The Executive understands that the Executive may use as much or all of the 21-day period as
the Executive wishes prior to signing, and the Executive has done so. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">5. In the event the Executive is 40 years of age or older, the
Executive has been advised and understands that the Executive may revoke this Release within seven days after acceptance. ANY REVOCATION MUST BE IN WRITING AND HAND-DELIVERED TO: </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-96 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; text-indent:4%; font-size:10pt; font-family:Times New Roman">Peoples Bancorp </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; text-indent:4%; font-size:10pt; font-family:Times New Roman">212 West 7<SUP STYLE="font-size:85%; vertical-align:top">th</SUP> Street </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; text-indent:4%; font-size:10pt; font-family:Times New Roman">Auburn, Indiana 46706 </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; text-indent:4%; font-size:10pt; font-family:Times New Roman">Attn: CEO and Chairman </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">NO
LATER THAN BY CLOSE OF BUSINESS ON THE SEVENTH DAY FOLLOWING THE DATE OF EXECUTION OF THIS RELEASE. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">6. The &#147;Released Parties and
their agents,&#148; as used in this Release, means each of the Released Parties, their subsidiaries, affiliated or related corporations or associations, their predecessors, successors, and assigns, and the directors, officers, managers, supervisors,
employees, representatives, servants, agents, and attorneys of the entities above described, and all persons acting through, under or in concert with any of them. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">7. The Executive agrees to refrain from making any disparaging remarks concerning the Released Parties or their agents. The Released Parties
agree to refrain from providing any information to third parties other than confirming dates of employment and job title, unless the Executive gives the Released Parties written authorization to release other information or as otherwise required by
law. With respect to the Released Parties, this restriction pertains only to official communications made by the Released Parties&#146; directors and/or officers and not to unauthorized communications by the Released Parties&#146; employees or
agents. This restriction will not bar the Released Parties from disclosing the Release as a defense or bar to any claim made by the Executive in derogation of this Release. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>PLEASE READ CAREFULLY BEFORE SIGNING. EXCEPT AS EXPRESSLY PROVIDED IN PARAGRAPH 1 ABOVE, THIS RELEASE CONTAINS A RELEASE AND DISCHARGE OF ALL KNOWN AND
UNKNOWN CLAIMS AGAINST THE RELEASED PARTIES AND THEIR AGENTS EXCEPT THOSE RELATING TO THE ENFORCEMENT OF THIS RELEASE OR THOSE ARISING AFTER THE EFFECTIVE DATE OF THIS RELEASE. </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" ALIGN="center">


<TR>
<TD WIDTH="45%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="10%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="43%"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:8pt; font-family:Times New Roman"><B>&nbsp;</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-bottom:1.00pt solid #000000">&nbsp;</P></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Date</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-97 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>E<SMALL>XHIBIT</SMALL> 5.23(<SMALL>B</SMALL>) </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>MUTUAL TERMINATION OF EMPLOYMENT AGREEMENT </U></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This Mutual Termination of Employment Agreement (&#147;<B>Agreement</B>&#148;) is entered into on this
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;day of &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, 2015, but effective as of the Effective Time (as defined herein), by and among Peoples Bancorp
(&#147;<B>Peoples</B>&#148;), Peoples Federal Savings Bank of DeKalb County (&#147;<B>Peoples Bank</B>&#148;), and Steven H. Caryer, the current Chief Financial Officer of Peoples Bank (the &#147;<B>Executive</B>&#148;) (hereinafter collectively
referred to as the &#147;<B>Parties</B>&#148;). Horizon Bancorp (&#147;<B>Horizon</B>&#148;), a bank holding company under the Bank Holding Company Act of 1956, as amended, and Horizon Bank, National Association (&#147;<B>Horizon Bank</B>&#148;), a
wholly-owned national banking association subsidiary of Horizon, are Parties for the limited purposes described herein. </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>RECITALS
</U></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">WHEREAS, Peoples, Peoples Bank and the Executive entered into a certain Employment Agreement, dated as of December&nbsp;17, 2013
(the &#147;<B>Employment Agreement</B>&#148;); and </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">WHEREAS, pursuant to that certain Agreement and Plan of Merger dated February&nbsp;18,
2015, by and between Peoples and Horizon (the &#147;<B>Merger Agreement</B>&#148;), Peoples shall be merged with and into Horizon (the &#147;<B>Merger</B>&#148;) effective as of the date and time as provided in the Merger Agreement (the
&#147;<B>Effective Time</B>&#148;); and </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">WHEREAS, pursuant to the Merger Agreement, as a condition precedent to the Merger, Horizon has
consented to the termination of the Employment Agreement; and </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">WHEREAS, in light of the Merger, the Parties desire to mutually terminate
the Employment Agreement; and </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">WHEREAS, Horizon Bank has agreed to employ the Executive, and Executive has agreed to be employed by
Horizon Bank as an employee-at-will of Horizon Bank as of the Effective Time; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">NOW, THEREFORE, in consideration of the mutual promises
herein contained, and other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the Parties agree as follows: </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>TERMS AND CONDITIONS </U></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">1. <U>Termination of Employment Agreement</U>. The Parties hereby agree that the Employment Agreement shall terminate and the Executive&#146;s
employment with Peoples shall cease, and all of the Executive&#146;s rights to compensation, payments and/or benefits under the Employment Agreement or with respect to the Executive&#146;s employment with Peoples or Peoples Bank shall cease (except:
(i)&nbsp;any vested benefits to which the Executive is entitled under any tax-qualified retirement plan sponsored by Peoples or Peoples Bank that is designed to satisfy the requirements of Section&nbsp;401(a) of the Internal Revenue Code of 1986, as
amended (the &#147;<B>Code</B>&#148;); (ii)&nbsp;any accrued, but unpaid salary and/or vacation; or (iii)&nbsp;under Section&nbsp;2 of this Agreement), effective as of the Effective Time. Notwithstanding the foregoing, the Executive hereby
acknowledges and agrees that the Amount (as defined below) to be paid to the </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-98 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
Executive hereunder is in lieu of any severance benefits that would otherwise be available to the Executive under any severance pay policy or practice of Peoples Bank or its subsidiaries or
affiliates, or Horizon Bank or its subsidiaries or affiliates, in the event that the Executive&#146;s employment with either Peoples, Peoples Bank, Horizon or Horizon Bank, or any of their subsidiaries or affiliates, terminates for any reason. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">2. <U>Consideration</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) Subject to Section&nbsp;4, as consideration for the Executive to enter into this Agreement and its attachments, appendices
and exhibits, to terminate the Employment Agreement with Peoples, Peoples or Peoples Bank shall pay to the Executive an amount equal to
$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(the &#147;<B>Amount</B>&#148;), less any withholdings for applicable taxes required by law. Subject to the foregoing, Peoples
or Peoples Bank, shall pay the Amount to the Executive in a lump sum on the Effective Time. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) The Executive hereby
acknowledges and agrees that: (i)&nbsp;the Amount is a sum which is equivalent to the sum to which the Executive would otherwise be entitled under Paragraph 9 of the Employment Agreement in the event of a qualifying termination of the
Executive&#146;s employment after a Change of Control; and, (ii)&nbsp;except as provided in this Agreement, the Executive is not entitled to receive any further compensation, payments and/or employee benefits under the Employment Agreement or
pursuant to the Executive&#146;s employment relationship with Peoples and Peoples Bank. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">3. <U>Governing Law, Jurisdiction, Venue and
Waiver of Jury Trial</U>. To the extent subject to Section&nbsp;409A of the Internal Revenue Code of 1986, as amended (the &#147;<B>Code</B>&#148;), this Agreement will be administered to comply with the provisions thereof and the regulations
thereunder. To the extent not inconsistent with the previous sentence, this Agreement shall be governed by and construed in accordance with the laws of the State of Indiana, without reference to the choice of law principles or rules thereof. The
Parties hereto irrevocably consent to the jurisdiction and venue of the state court for the State of Indiana located in Indianapolis, Indiana, or the Federal District Court for the Northern District of Indiana, Indianapolis Division, located in
Marion County, Indiana, and agree that all actions, proceedings, litigation, disputes, or claims relating to or arising out of this Agreement shall be brought and tried only in such courts. Notwithstanding the foregoing Peoples or Peoples Bank, or
the successors of each, reserve the right to pursue injunctive relief in any state or federal court of proper jurisdiction and venue. EACH OF THE PARTIES WAIVES ANY RIGHTS THAT IT MAY HAVE TO BRING A CAUSE OF ACTION IN ANY COURT OR IN ANY PROCEEDING
INVOLVING A JURY TO THE MAXIMUM EXTENT PERMITTED BY LAW. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">4. <U>Limitation of Benefit</U>. Notwithstanding anything to the contrary in this
Agreement, if there are payments to the Executive which constitute &#147;parachute payments,&#148; as defined in Section&nbsp;280G of the Code, then the payments made to the Executive shall be limited to One Dollar ($1.00) less than the amount which
would cause the payments to the Executive (including payments to the Executive which are not included in this Agreement) to be subject to the excise tax imposed by Section&nbsp;4999 of the Code. The calculations shall be done by an outside party in
accordance with the Merger Agreement. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">5. <U>Binding Effect; Assignment</U>. This Agreement shall be binding upon and inure to the benefit
of Peoples and Peoples Bank and their respective successors and assigns. This Agreement may </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-99 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
be assigned, without the prior consent of the Executive to a successor of Peoples or Peoples Bank (and the Executive hereby consents to the assignment of the covenants under this Agreement to a
purchaser of all or substantially all of the stock of Peoples or Peoples Bank, by merger or otherwise) and, upon the Executive&#146;s death, this Agreement shall terminate except to the extent any payments remain due Executive in which case the
payments shall inure to the benefit of and be enforceable by the Executive&#146;s executors, administrators, representatives, heirs, distributees, devisees, and legatees and all amounts payable hereunder shall be paid to such persons or the estate
of the Executive. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">6. <U>Entire Agreement</U>. This Agreement, including all attachments, appendices and exhibits hereto, comprises the
entire agreement between the Parties with respect to the subject matter hereof and supersedes all earlier agreements (whether oral or written) relating to the subject matter hereof. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">7. <U>Waiver; Amendment</U>. No provision or obligation of this Agreement may be waived or discharged unless such waiver or discharge is agreed
to in writing and signed by the parties to be bound. The waiver by any Party hereto of a breach of or noncompliance with any provision of this Agreement shall not operate or be construed as a continuing waiver or a waiver of any other or subsequent
breach or noncompliance hereunder. Except as expressly provided otherwise herein, this Agreement may be amended, modified or supplemented only by a written agreement executed by parties to be bound thereto. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">8. <U>Severability</U>. All provisions of this Agreement are severable from one another, and the unenforceability or invalidity of any
provision of this Agreement shall not affect the validity or enforceability of the remaining provisions of this Agreement; provided, however, that should any judicial body interpreting this Agreement deem any provision to be unreasonably broad in
time, territory, scope or otherwise, the parties intend for the judicial body, to the greatest extent possible, to reduce the breadth of the provision to the maximum legally allowable parameters rather than deeming such provision totally
unenforceable or invalid. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">9. <U>Further Assurances</U>. Each of the Parties hereto shall do, execute, acknowledge, and deliver or cause to
be done, executed, acknowledged and delivered at any time and from time to time upon the request of any other Parties hereto, all such further acts, documents and instruments as may be reasonably required to effect any of the transactions
contemplated by this Agreement. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">10. <U>Notice</U>. Any notice, request, instruction, or other document to be given hereunder to any party
shall be in writing and delivered by hand, registered or certified United States mail, return receipt requested, or other form of receipted delivery, with all expenses of delivery prepaid, as follows: </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="51%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="47%"></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="text-indent:2.00em; font-size:10pt; font-family:Times New Roman">If to the Executive:</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">If to Peoples or Peoples Bank:</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Attn: President and CEO</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:2.00em; font-size:10pt; font-family:Times New Roman">207 West Edgerton Street</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; text-indent:2.00em; font-size:10pt; font-family:Times New Roman">Hicksville, Ohio 43526</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">212 W. 7<SUP STYLE="font-size:85%; vertical-align:top">th</SUP> Street</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Auburn, Indiana 46706</P></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">or to such other address as either party hereto may have furnished to the other in writing in accordance with the preceding.
</P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">11. <U>Headings</U>. The headings in this Agreement have been inserted solely for ease of reference and shall not be considered in the
interpretation, construction, or enforcement of this Agreement. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-100 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B></B>12. <U>Release</U>. For and in consideration of the foregoing covenants and promises made
by Peoples and Peoples Bank, and the performance of such covenants and promises, the sufficiency of which is hereby acknowledged, the Executive agrees to release Peoples and Peoples Bank and all other persons named in the Release from any and all
causes of action that the Executive has or may have against them before the effective date of the Release, other than a breach of this Agreement. The Executive shall execute a&nbsp;separate Release of All Claims substantially in the form attached
hereto as <U>Appendix A</U>. <B>THE EXECUTIVE&#146;S RIGHT TO BENEFITS HEREUNDER SHALL BE CONTINGENT ON THE SIGNING, FILING AND NOT REVOKING THE RELEASE OF ALL CLAIMS WITHIN THE PERIODS REQUIRED BY LAW AND AS PROVIDED IN THE RELEASE OF ALL CLAIMS.
</B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">13. <U>Review and Consultation</U>. The Parties hereby acknowledge and agree that each (a)&nbsp;has read this Agreement in its
entirety prior to executing it, (b)&nbsp;understands the provisions and effects of this Agreement, (c)&nbsp;has consulted with such attorneys, accountants, and financial and other advisors as it or she has deemed appropriate in connection with their
respective execution of this Agreement, and (d)&nbsp;has executed this Agreement voluntarily. <B>THE EXECUTIVE HEREBY UNDERSTANDS, ACKNOWLEDGES, AND AGREES THAT THIS AGREEMENT HAS BEEN PREPARED BY COUNSEL FOR PEOPLES AND PEOPLES BANK, AND THAT THE
EXECUTIVE HAS NOT RECEIVED ANY ADVICE, COUNSEL, OR RECOMMENDATION WITH RESPECT TO THIS AGREEMENT FROM PEOPLES OR PEOPLES BANK OR THEIR COUNSEL.</B> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">[Signature Page Follows] </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-101 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">IN WITNESS WHEREOF, the undersigned have executed this Mutual Termination of Employment Agreement
as of the day and year first above written. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="49%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="3%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="46%"></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">EXECUTIVE</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"><U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Steven H. Caryer</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Peoples Bancorp</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Peoples Federal Savings Bank of DeKalb County</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:&nbsp;&nbsp;<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">By:&nbsp;&nbsp;<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Its:&nbsp;&nbsp;<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Its:&nbsp;&nbsp;<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16" COLSPAN="5"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="5"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">For the limited purpose of acknowledging its consent, pursuant to the Merger Agreement, to Peoples and Peoples Bank entering</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">into this Agreement:</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Horizon Bancorp</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Horizon Bank, National Association</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:&nbsp;&nbsp;<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">By:&nbsp;&nbsp;<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Its:&nbsp;&nbsp;<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Its:&nbsp;&nbsp;<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">[Signature Page for Mutual Termination of Employment Agreement] </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-102 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>APPENDIX A </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>RELEASE OF ALL CLAIMS </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">FOR
VALUABLE CONSIDERATION, including the payment to the Executive of certain severance benefits, the Executive hereby makes this Release of All Claims (&#147;Release&#148;) in favor of Peoples Bancorp, Peoples Federal Savings Bank of DeKalb County, and
their successors and assigns (including all subsidiaries and affiliates) (collectively the &#147;Released Parties&#148;) and its agents as set forth herein. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">1. The Executive releases, waives and discharges the Released Parties and their agents (as defined below) from all claims, whether known or
unknown, arising out of the Executive&#146;s employment relationship with the Released Parties, the termination of that relationship, and all other events, incidents, or actions occurring before the date on which this Release is signed; provided,
however, this Release shall not apply to any claim based on the Released Parties&#146; breach of Sections 1 or 2 of the Mutual Termination of Employment Agreement. Claims released herein include, but are not limited to, discrimination claims based
on age, race, sex, religion, national origin, disability, veteran status, or any other employment claim, including claims arising under The Civil Rights Act of 1866, 42 U.S.C. &#167; 1981; Title VII of the Civil Rights Act of 1964; the Americans
with Disabilities Act; the Age Discrimination in Employment Act of 1967; the Federal Rehabilitation Act of 1973; the Older Workers&#146; Benefits Protection Act; the Employee Retirement Income Security Act of 1974; the Fair Labor Standards Act; the
Family and Medical Leave Act (to the extent that FMLA claims may be released under governing law), the Indiana Civil Rights Act, the Indiana Wage Payment and Wage Claims Acts, any Federal or State wage and hour laws and all other similar Federal or
State statutes; and any and all tort or contract claims, including, but not limited to, breach of contract, breach of good faith and fair dealing, infliction of emotional distress, defamation, or wrongful termination or discharge. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">2. The Executive further acknowledges that the Released Parties have advised the Executive to consult with an attorney of the Executive&#146;s
own choosing and that the Executive has had ample time and adequate opportunity to thoroughly discuss all aspects of this Release with legal counsel prior to executing this Release. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">3. The Executive agrees that the Executive is signing this Release of Executives own free will and is not signing under duress. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">4. In the event the Executive is 40 years of age or older, the Executive acknowledges that the Executive has been given a period of 21 days to
review and consider a draft of this Release in substantially the form of the copy now being executed and has carefully considered the terms of this Release. The Executive understands that the Executive may use as much or all of the 21-day period as
the Executive wishes prior to signing, and the Executive has done so. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">5. In the event the Executive is 40 years of age or older, the
Executive has been advised and understands that the Executive may revoke this Release within seven days after acceptance. ANY REVOCATION MUST BE IN WRITING AND HAND-DELIVERED TO: </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-103 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; text-indent:4%; font-size:10pt; font-family:Times New Roman">Peoples Bancorp </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; text-indent:4%; font-size:10pt; font-family:Times New Roman">212 West 7<SUP STYLE="font-size:85%; vertical-align:top">th</SUP> Street </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; text-indent:4%; font-size:10pt; font-family:Times New Roman">Auburn, Indiana 46706 </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; text-indent:4%; font-size:10pt; font-family:Times New Roman">Attn: CEO and Chairman </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">NO
LATER THAN BY CLOSE OF BUSINESS ON THE SEVENTH DAY FOLLOWING THE DATE OF EXECUTION OF THIS RELEASE. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">6. The &#147;Released Parties and
their agents,&#148; as used in this Release, means each of the Released Parties, their subsidiaries, affiliated or related corporations or associations, their predecessors, successors, and assigns, and the directors, officers, managers, supervisors,
employees, representatives, servants, agents, and attorneys of the entities above described, and all persons acting through, under or in concert with any of them. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">7. The Executive agrees to refrain from making any disparaging remarks concerning the Released Parties or their agents. The Released Parties
agree to refrain from providing any information to third parties other than confirming dates of employment and job title, unless the Executive gives the Released Parties written authorization to release other information or as otherwise required by
law. With respect to the Released Parties, this restriction pertains only to official communications made by the Released Parties&#146; directors and/or officers and not to unauthorized communications by the Released Parties&#146; employees or
agents. This restriction will not bar the Released Parties from disclosing the Release as a defense or bar to any claim made by the Executive in derogation of this Release. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>PLEASE READ CAREFULLY BEFORE SIGNING. EXCEPT AS EXPRESSLY PROVIDED IN PARAGRAPH 1 ABOVE, THIS RELEASE CONTAINS A RELEASE AND DISCHARGE OF ALL KNOWN AND
UNKNOWN CLAIMS AGAINST THE RELEASED PARTIES AND THEIR AGENTS EXCEPT THOSE RELATING TO THE ENFORCEMENT OF THIS RELEASE OR THOSE ARISING AFTER THE EFFECTIVE DATE OF THIS RELEASE. </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="46%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="7%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="43%"></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Date</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-104 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>E<SMALL>XHIBIT</SMALL> 5.23(<SMALL>C</SMALL>) </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>MUTUAL TERMINATION OF EMPLOYMENT AGREEMENT </U></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This Mutual Termination of Employment Agreement (&#147;<B>Agreement</B>&#148;) is entered into on this
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;day of &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, 2015, but effective as of the Effective Time (as defined herein), by and among Peoples Bancorp
(&#147;<B>Peoples</B>&#148;), Peoples Federal Savings Bank of DeKalb County (&#147;<B>Peoples Bank</B>&#148;), and Jeffrey H. Gatton, the current Senior Vice President and Chief Operating Officer of Peoples (the &#147;<B>Executive</B>&#148;)
(hereinafter collectively referred to as the &#147;<B>Parties</B>&#148;). Horizon Bancorp (&#147;<B>Horizon</B>&#148;), a bank holding company under the Bank Holding Company Act of 1956, as amended, and Horizon Bank, National Association
(&#147;<B>Horizon Bank</B>&#148;), a wholly-owned national banking association subsidiary of Horizon, are Parties for the limited purposes described herein. </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>RECITALS </U></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">WHEREAS,
Peoples, Peoples Bank and the Executive entered into a certain Employment Agreement, dated as of December&nbsp;17, 2013 (the &#147;<B>Employment Agreement</B>&#148;); and </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">WHEREAS, pursuant to that certain Agreement and Plan of Merger dated February&nbsp;18, 2015, by and between Peoples and Horizon (the
&#147;<B>Merger Agreement</B>&#148;), Peoples shall be merged with and into Horizon (the &#147;<B>Merger</B>&#148;) effective as of the date and time as provided in the Merger Agreement (the &#147;<B>Effective Time</B>&#148;); and </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">WHEREAS, pursuant to the Merger Agreement, as a condition precedent to the Merger, Horizon has consented to the termination of the Employment
Agreement; and </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">WHEREAS, in light of the Merger, the Parties desire to mutually terminate the Employment Agreement; and </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">WHEREAS, Horizon Bank has agreed to employ the Executive, and Executive has agreed to be employed by Horizon Bank as an employee-at-will of
Horizon Bank as of the Effective Time; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">NOW, THEREFORE, in consideration of the mutual promises herein contained, and other good and
valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the Parties agree as follows: </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>TERMS AND
CONDITIONS </U></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">1. <U>Termination of Employment Agreement</U>. The Parties hereby agree that the Employment Agreement shall terminate
and the Executive&#146;s employment with Peoples shall cease, and all of the Executive&#146;s rights to compensation, payments and/or benefits under the Employment Agreement or with respect to the Executive&#146;s employment with Peoples or Peoples
Bank shall cease (except: (i)&nbsp;any vested benefits to which the Executive is entitled under any tax-qualified retirement plan sponsored by Peoples or Peoples Bank that is designed to satisfy the requirements of Section&nbsp;401(a) of the
Internal Revenue Code of 1986, as amended (the &#147;<B>Code</B>&#148;); (ii)&nbsp;any accrued, but unpaid salary and/or vacation; or (iii)&nbsp;under Section&nbsp;2 of this Agreement), effective as of the Effective Time. Notwithstanding the
foregoing, the Executive hereby acknowledges and agrees that the Amount (as defined below) to be paid to the </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-105 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
Executive hereunder is in lieu of any severance benefits that would otherwise be available to the Executive under any severance pay policy or practice of Peoples Bank or its subsidiaries or
affiliates, or Horizon Bank or its subsidiaries or affiliates, in the event that the Executive&#146;s employment with either Peoples, Peoples Bank, Horizon or Horizon Bank, or any of their subsidiaries or affiliates, terminates for any reason. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">2. <U>Consideration</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) Subject to Section&nbsp;4, as consideration for the Executive to enter into this Agreement and its attachments, appendices
and exhibits, to terminate the Employment Agreement with Peoples, Peoples or Peoples Bank shall pay to the Executive an amount equal to
$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(the &#147;<B>Amount</B>&#148;), less any withholdings for applicable taxes required by law. Subject to the foregoing, Peoples
or Peoples Bank, shall pay the Amount to the Executive in a lump sum on the Effective Time. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) The Executive hereby
acknowledges and agrees that: (i)&nbsp;the Amount is a sum which is equivalent to the sum to which the Executive would otherwise be entitled under Paragraph 9 of the Employment Agreement in the event of a qualifying termination of the
Executive&#146;s employment after a Change of Control; and, (ii)&nbsp;except as provided in this Agreement, the Executive is not entitled to receive any further compensation, payments and/or employee benefits under the Employment Agreement or
pursuant to the Executive&#146;s employment relationship with Peoples and Peoples Bank. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">3. <U>Governing Law, Jurisdiction, Venue and
Waiver of Jury Trial</U>. To the extent subject to Section&nbsp;409A of the Internal Revenue Code of 1986, as amended (the &#147;<B>Code</B>&#148;), this Agreement will be administered to comply with the provisions thereof and the regulations
thereunder. To the extent not inconsistent with the previous sentence, this Agreement shall be governed by and construed in accordance with the laws of the State of Indiana, without reference to the choice of law principles or rules thereof. The
Parties hereto irrevocably consent to the jurisdiction and venue of the state court for the State of Indiana located in Indianapolis, Indiana, or the Federal District Court for the Northern District of Indiana, Indianapolis Division, located in
Marion County, Indiana, and agree that all actions, proceedings, litigation, disputes, or claims relating to or arising out of this Agreement shall be brought and tried only in such courts. Notwithstanding the foregoing Peoples or Peoples Bank, or
the successors of each, reserve the right to pursue injunctive relief in any state or federal court of proper jurisdiction and venue. EACH OF THE PARTIES WAIVES ANY RIGHTS THAT IT MAY HAVE TO BRING A CAUSE OF ACTION IN ANY COURT OR IN ANY PROCEEDING
INVOLVING A JURY TO THE MAXIMUM EXTENT PERMITTED BY LAW. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">4. <U>Limitation of Benefit</U>. Notwithstanding anything to the contrary in this
Agreement, if there are payments to the Executive which constitute &#147;parachute payments,&#148; as defined in Section&nbsp;280G of the Code, then the payments made to the Executive shall be limited to One Dollar ($1.00) less than the amount which
would cause the payments to the Executive (including payments to the Executive which are not included in this Agreement) to be subject to the excise tax imposed by Section&nbsp;4999 of the Code. The calculations shall be done by an outside party in
accordance with the Merger Agreement. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">5. <U>Binding Effect; Assignment</U>. This Agreement shall be binding upon and inure to the benefit
of Peoples and Peoples Bank and their respective successors and assigns. This Agreement may </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-106 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
be assigned, without the prior consent of the Executive to a successor of Peoples or Peoples Bank (and the Executive hereby consents to the assignment of the covenants under this Agreement to a
purchaser of all or substantially all of the stock of Peoples or Peoples Bank, by merger or otherwise) and, upon the Executive&#146;s death, this Agreement shall terminate except to the extent any payments remain due Executive in which case the
payments shall inure to the benefit of and be enforceable by the Executive&#146;s executors, administrators, representatives, heirs, distributees, devisees, and legatees and all amounts payable hereunder shall be paid to such persons or the estate
of the Executive. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">6. <U>Entire Agreement</U>. This Agreement, including all attachments, appendices and exhibits hereto, comprises the
entire agreement between the Parties with respect to the subject matter hereof and supersedes all earlier agreements (whether oral or written) relating to the subject matter hereof. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">7. <U>Waiver; Amendment</U>. No provision or obligation of this Agreement may be waived or discharged unless such waiver or discharge is agreed
to in writing and signed by the parties to be bound. The waiver by any Party hereto of a breach of or noncompliance with any provision of this Agreement shall not operate or be construed as a continuing waiver or a waiver of any other or subsequent
breach or noncompliance hereunder. Except as expressly provided otherwise herein, this Agreement may be amended, modified or supplemented only by a written agreement executed by parties to be bound thereto. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">8. <U>Severability</U>. All provisions of this Agreement are severable from one another, and the unenforceability or invalidity of any
provision of this Agreement shall not affect the validity or enforceability of the remaining provisions of this Agreement; provided, however, that should any judicial body interpreting this Agreement deem any provision to be unreasonably broad in
time, territory, scope or otherwise, the parties intend for the judicial body, to the greatest extent possible, to reduce the breadth of the provision to the maximum legally allowable parameters rather than deeming such provision totally
unenforceable or invalid. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">9. <U>Further Assurances</U>. Each of the Parties hereto shall do, execute, acknowledge, and deliver or cause to
be done, executed, acknowledged and delivered at any time and from time to time upon the request of any other Parties hereto, all such further acts, documents and instruments as may be reasonably required to effect any of the transactions
contemplated by this Agreement. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">10. <U>Notice</U>. Any notice, request, instruction, or other document to be given hereunder to any party
shall be in writing and delivered by hand, registered or certified United States mail, return receipt requested, or other form of receipted delivery, with all expenses of delivery prepaid, as follows: </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="51%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="47%"></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="text-indent:2.00em; font-size:10pt; font-family:Times New Roman">If to the Executive:</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">If to Peoples or Peoples Bank:</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Attn: President and CEO</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:2.00em; font-size:10pt; font-family:Times New Roman">17070 Woodside Lane</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; text-indent:2.00em; font-size:10pt; font-family:Times New Roman">Three Rivers, Michigan 49093</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">212 W. 7<SUP STYLE="font-size:85%; vertical-align:top">th</SUP> Street</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Auburn, Indiana 46706</P></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">or to such other address as either party hereto may have furnished to the other in writing in accordance with the preceding.
</P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">11. <U>Headings</U>. The headings in this Agreement have been inserted solely for ease of reference and shall not be considered in the
interpretation, construction, or enforcement of this Agreement. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-107 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B></B>12. <U>Release</U>. For and in consideration of the foregoing covenants and promises made
by Peoples and Peoples Bank, and the performance of such covenants and promises, the sufficiency of which is hereby acknowledged, the Executive agrees to release Peoples and Peoples Bank and all other persons named in the Release from any and all
causes of action that the Executive has or may have against them before the effective date of the Release, other than a breach of this Agreement. The Executive shall execute a&nbsp;separate Release of All Claims substantially in the form attached
hereto as <U>Appendix A</U>. <B>THE EXECUTIVE&#146;S RIGHT TO BENEFITS HEREUNDER SHALL BE CONTINGENT ON THE SIGNING, FILING AND NOT REVOKING THE RELEASE OF ALL CLAIMS WITHIN THE PERIODS REQUIRED BY LAW AND AS PROVIDED IN THE RELEASE OF ALL CLAIMS.
</B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">13. <U>Review and Consultation</U>. The Parties hereby acknowledge and agree that each (a)&nbsp;has read this Agreement in its
entirety prior to executing it, (b)&nbsp;understands the provisions and effects of this Agreement, (c)&nbsp;has consulted with such attorneys, accountants, and financial and other advisors as it or she has deemed appropriate in connection with their
respective execution of this Agreement, and (d)&nbsp;has executed this Agreement voluntarily. <B>THE EXECUTIVE HEREBY UNDERSTANDS, ACKNOWLEDGES, AND AGREES THAT THIS AGREEMENT HAS BEEN PREPARED BY COUNSEL FOR PEOPLES AND PEOPLES BANK, AND THAT THE
EXECUTIVE HAS NOT RECEIVED ANY ADVICE, COUNSEL, OR RECOMMENDATION WITH RESPECT TO THIS AGREEMENT FROM PEOPLES OR PEOPLES BANK OR THEIR COUNSEL.</B> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">[Signature Page Follows] </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-108 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">IN WITNESS WHEREOF, the undersigned have executed this Mutual Termination of Employment Agreement
as of the day and year first above written. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="47%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="5%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="46%"></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">EXECUTIVE</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"><U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Jeffrey H. Gatton</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Peoples Bancorp</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Peoples Federal Savings Bank of DeKalb County</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:&nbsp;&nbsp;<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">By:&nbsp;&nbsp;<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Its:&nbsp;&nbsp;<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Its:&nbsp;&nbsp;<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16" COLSPAN="5"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="5"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">For the limited purpose of acknowledging its consent, pursuant to the Merger Agreement, to Peoples and Peoples Bank entering</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">into this Agreement:</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Horizon Bancorp</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Horizon Bank, National Association</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:&nbsp;&nbsp;<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">By:&nbsp;&nbsp;<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Its:&nbsp;&nbsp;<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Its:&nbsp;&nbsp;<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">[Signature Page for Mutual Termination of Employment Agreement] </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-109 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>APPENDIX A </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>RELEASE OF ALL CLAIMS </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">FOR
VALUABLE CONSIDERATION, including the payment to the Executive of certain severance benefits, the Executive hereby makes this Release of All Claims (&#147;Release&#148;) in favor of Peoples Bancorp, Peoples Federal Savings Bank of DeKalb County, and
their successors and assigns (including all subsidiaries and affiliates) (collectively the &#147;Released Parties&#148;) and its agents as set forth herein. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">1. The Executive releases, waives and discharges the Released Parties and their agents (as defined below) from all claims, whether known or
unknown, arising out of the Executive&#146;s employment relationship with the Released Parties, the termination of that relationship, and all other events, incidents, or actions occurring before the date on which this Release is signed; provided,
however, this Release shall not apply to any claim based on the Released Parties&#146; breach of Sections 1 or 2 of the Mutual Termination of Employment Agreement. Claims released herein include, but are not limited to, discrimination claims based
on age, race, sex, religion, national origin, disability, veteran status, or any other employment claim, including claims arising under The Civil Rights Act of 1866, 42 U.S.C. &#167; 1981; Title VII of the Civil Rights Act of 1964; the Americans
with Disabilities Act; the Age Discrimination in Employment Act of 1967; the Federal Rehabilitation Act of 1973; the Older Workers&#146; Benefits Protection Act; the Employee Retirement Income Security Act of 1974; the Fair Labor Standards Act; the
Family and Medical Leave Act (to the extent that FMLA claims may be released under governing law), the Indiana Civil Rights Act, the Indiana Wage Payment and Wage Claims Acts, any Federal or State wage and hour laws and all other similar Federal or
State statutes; and any and all tort or contract claims, including, but not limited to, breach of contract, breach of good faith and fair dealing, infliction of emotional distress, defamation, or wrongful termination or discharge. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">2. The Executive further acknowledges that the Released Parties have advised the Executive to consult with an attorney of the Executive&#146;s
own choosing and that the Executive has had ample time and adequate opportunity to thoroughly discuss all aspects of this Release with legal counsel prior to executing this Release. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">3. The Executive agrees that the Executive is signing this Release of Executives own free will and is not signing under duress. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">4. In the event the Executive is 40 years of age or older, the Executive acknowledges that the Executive has been given a period of 21 days to
review and consider a draft of this Release in substantially the form of the copy now being executed and has carefully considered the terms of this Release. The Executive understands that the Executive may use as much or all of the 21-day period as
the Executive wishes prior to signing, and the Executive has done so. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">5. In the event the Executive is 40 years of age or older, the
Executive has been advised and understands that the Executive may revoke this Release within seven days after acceptance. ANY REVOCATION MUST BE IN WRITING AND HAND-DELIVERED TO: </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-110 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; text-indent:4%; font-size:10pt; font-family:Times New Roman">Peoples Bancorp </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; text-indent:4%; font-size:10pt; font-family:Times New Roman">212 West 7<SUP STYLE="font-size:85%; vertical-align:top">th</SUP> Street </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; text-indent:4%; font-size:10pt; font-family:Times New Roman">Auburn, Indiana 46706 </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; text-indent:4%; font-size:10pt; font-family:Times New Roman">Attn: CEO and Chairman </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">NO
LATER THAN BY CLOSE OF BUSINESS ON THE SEVENTH DAY FOLLOWING THE DATE OF EXECUTION OF THIS RELEASE. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">6. The &#147;Released Parties and
their agents,&#148; as used in this Release, means each of the Released Parties, their subsidiaries, affiliated or related corporations or associations, their predecessors, successors, and assigns, and the directors, officers, managers, supervisors,
employees, representatives, servants, agents, and attorneys of the entities above described, and all persons acting through, under or in concert with any of them. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">7. The Executive agrees to refrain from making any disparaging remarks concerning the Released Parties or their agents. The Released Parties
agree to refrain from providing any information to third parties other than confirming dates of employment and job title, unless the Executive gives the Released Parties written authorization to release other information or as otherwise required by
law. With respect to the Released Parties, this restriction pertains only to official communications made by the Released Parties&#146; directors and/or officers and not to unauthorized communications by the Released Parties&#146; employees or
agents. This restriction will not bar the Released Parties from disclosing the Release as a defense or bar to any claim made by the Executive in derogation of this Release. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>PLEASE READ CAREFULLY BEFORE SIGNING. EXCEPT AS EXPRESSLY PROVIDED IN PARAGRAPH 1 ABOVE, THIS RELEASE CONTAINS A RELEASE AND DISCHARGE OF ALL KNOWN AND
UNKNOWN CLAIMS AGAINST THE RELEASED PARTIES AND THEIR AGENTS EXCEPT THOSE RELATING TO THE ENFORCEMENT OF THIS RELEASE OR THOSE ARISING AFTER THE EFFECTIVE DATE OF THIS RELEASE. </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="46%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="7%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="43%"></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Date</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-111 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>E<SMALL>XHIBIT</SMALL> 7.01(<SMALL>P</SMALL>) </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>EMPLOYMENT AGREEMENT </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">THIS EMPLOYMENT AGREEMENT (the &#147;<B>Agreement</B>&#148;) is made and entered into as of the
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;day of &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, 2015 by and between Horizon Bank, N.A. (the &#147;<B>Bank</B>&#148;), a national banking
association organized under the laws of the United States of America, Horizon Bancorp (the &#147;<B>Holding Company</B>&#148;) a corporation formed under the laws of the State of Indiana and a registered bank holding company (jointly referred to
herein as the &#147;<B>Company</B>&#148;) and Jeffrey&nbsp;H.&nbsp;Gatton (the &#147;<B>Executive</B>&#148;), a resident of the State of Michigan. </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>W I T N E S S E T H</U>: </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">WHEREAS, the Executive previously served as the Senior Vice President and Chief Operating Officer of People Federal Savings Bank of DeKalb
County (&#147;<B>Peoples Bank</B>&#148;); </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">WHEREAS, Peoples Bank is a wholly-owned subsidiary of Peoples Bancorp
(&#147;<B>Peoples</B>&#148;); </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">WHEREAS, Peoples and the Holding Company have entered into an Agreement and Plan of Merger whereby Peoples
will merge with and into the Holding Company (the&nbsp;&#147;<B>Merger</B>&#148;); </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">WHEREAS, as a result of the Merger, the Executive will
receive a lump sum payment (the &#147;<B>Change in Control Payment</B>&#148;) from Peoples or Peoples Bank pursuant to the terms of that certain Mutual Termination Agreement by and between the Executive and Peoples dated
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, 2015; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">WHEREAS, following the Merger, the Bank desires to employ
the Executive as an employee-at-will to serve as Vice President and Regional Manager of the Bank for the region previously served by Peoples; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">WHEREAS, as a condition to its agreement to execute and deliver the Agreement and Plan of Merger to Peoples and in consideration of the
employment by the Bank, the Company, the Bank and the Executive have agreed to certain restrictions, covenants and agreements, as set forth in this Agreement; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">WHEREAS, the Executive is willing to commit to the performance of such services for the Company upon the terms and conditions set forth
herein. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">NOW, THEREFORE, in consideration of the foregoing premises, the mutual covenants, agreements and obligations contained herein,
and subject to and effective only upon the consummation of the Merger, the employment of the Executive by the Bank pursuant to this Agreement and for other good and valuable consideration, the receipt and sufficiency of which are hereby
acknowledged, the Bank and the Executive, each intending to be legally bound, hereby agree as follows: </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="10%" VALIGN="top" ALIGN="left"><B><U>Section&nbsp;1</U>.</B></TD>
<TD ALIGN="left" VALIGN="top"><B><U>Employment; Term</U>. </B></TD></TR></TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(a) <U>Employment</U>. Unless terminated earlier as provided herein, the Bank
hereby agrees to employ the Executive, and the Executive hereby agrees to be employed by the Bank, on a full-time, at-will basis in accordance with the provisions of this Agreement. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-112 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(b) <U>Term</U>. Unless terminated earlier as provided in Section&nbsp;4 below, the term of the Executive&#146;s
employment with the Company hereunder will begin on the closing of the Merger and will end on the date which is one year following the closing of the Merger (the &#147;<B>Term</B>&#148;); provided, however, that on each annual anniversary of the
closing of the Merger, the Executive&#146;s term of employment will be extended for an additional one-year period beyond the then-effective expiration date (the initial term of this Agreement and all extensions thereof, if any, are hereinafter
referred to individually and collectively as the &#147;Term&#148;). </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="10%" VALIGN="top" ALIGN="left"><B><U>Section&nbsp;2</U>.</B></TD>
<TD ALIGN="left" VALIGN="top"><B><U>Position; Duties; Responsibilities</U>. </B></TD></TR></TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(a) <U>Position</U>. During the Term, the Executive will be
Vice President and Regional Manager of the Bank and will perform such duties and responsibilities as may be assigned by the Bank&#146;s Regional Market President (the &#147;<B>Market President</B>&#148;) for the region previously served by Peoples
or his designee, including, but not limited to, leading and assisting the integration of the Peoples Bank into the Bank, organizing and implementing on-going training for branch personnel, responsibility for overall branch risk management,
responsibility for branch sales management including sales training, all sales efforts and sales recognition programs, responsibility for recruitment and retention of branch staff, regional branch profitability, and balance sheet objectives for
retail and mortgage loans and deposits. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(b) <U>Duties and Responsibilities</U>. During the Term, the Executive will devote substantially all business
time, attention and energy, and reasonable best efforts, to the interests and business of the Bank, the Holding Company and their affiliates and subsidiaries (collectively &#147;<B>Affiliates</B>&#148;) and to the performance of the Executive&#146;s
duties and responsibilities on behalf of the Company and Affiliates. The Executive may use his discretion in fixing the hours and schedule of work consistent with the proper discharge of the Executive&#146;s duties. The Executive, subject to the
direction and control of the Market President or his designee, will have all power and authority commensurate with the Executive&#146;s status and necessary to perform his duties hereunder. During the Term, the Executive will not serve on the board
of directors of any for-profit organization without the prior consent of the Market President. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(c) <U>Working Conditions</U>. So long as the Executive is
employed by the Bank pursuant to this Agreement, the Executive will be entitled to office space and working conditions consistent with his position as Vice President and Regional Manager of the Bank. The Company will provide the Executive with such
assistance and working accommodations as are suitable to the character of his positions with the Company and as are adequate for the performance of the Executive&#146;s duties. </P>
<P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="10%" VALIGN="top" ALIGN="left"><B><U>Section&nbsp;3</U>.</B></TD>
<TD ALIGN="left" VALIGN="top"><B><U>Compensation and Employee Benefits</U>. </B></TD></TR></TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(a) <U>Base Salary</U>. During the Term, for all services
rendered to or on behalf of the Company by the Executive in all capacities pursuant to this Agreement or otherwise, the Company will pay to the Executive an annual base salary equal to $140,000.00 (the &#147;<B>Base Salary</B>&#148;). At
approximately annual intervals, after the end of each fiscal year of the Bank during the Term, the Bank will review the Base Salary payable to the Executive and will, after such annual review, determine the Base Salary to be paid
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-113 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
until the completion of the next annual review, but such new Base Salary will not be less than the Base Salary as of the date hereof. The Base Salary will be paid to the Executive in accordance
with the Bank&#146;s usual and customary payroll practices applicable to its employees generally. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(b) <U>Incentive Compensation</U>. During the Term, the
Executive will be entitled to participate in all incentive compensation plans and programs in effect from time to time and generally available to Vice Presidents of the Bank, subject to the terms and conditions of such plans and programs. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(c) <U>Group Term Insurance</U>. During the Term, the Executive will be entitled to participate in the Bank&#146;s group term life insurance plan, as in effect
from time to time, at a minimum level of coverage equal to $200,000.00 (&#147;<B>Minimum Insurance Level</B>&#148;). The Bank will be responsible for all costs associated with the Executive&#146;s Minimum Insurance Level, including a gross-up
payment to the Executive for any taxable income associated with the Executive&#146;s Minimum Insurance Level. If the Executive elects to participate in the group term life insurance plan, as in effect from time to time, in an amount in excess of the
Minimum Insurance Level, the Executive shall be solely responsible for any costs associated with such additional amount of insurance. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(d) <U>Employee
Benefit Plans</U>. During the Term, the Executive will be entitled to participate in all employee benefit plans and programs in effect from time to time and generally available to employees of the Bank, subject to the terms and conditions of such
plans and programs; <I>provided, however,</I> in no event shall the Executive be entitled to any severance payment or benefit under any plan or program of the Holding Company or the Bank in connection with his termination of employment. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(e) <U>Other Policies</U>. All other matters relating to the employment of the Executive by the Bank not specifically addressed in this Agreement, or in the
plans and programs referenced above (including, without limitation, vacation, sick and other paid time off), will be subject to the employee handbooks, rules, policies and procedures of the Company or Bank in effect from time to time. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(f) <U>Taxes and Other Amounts</U>. All taxes (other than the Bank&#146;s portion of FICA taxes) on the Base Salary and other amounts payable to the Executive
pursuant to this Agreement or any plan or program will be paid by the Executive. The Bank will be entitled to withhold from the Base Salary and all other amounts payable to the Executive pursuant to this Agreement or any plan or program
(i)&nbsp;applicable withholding taxes, and (ii)&nbsp;such other amounts as may be authorized by the Executive in writing. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(g) <U>Acknowledgment by the
Executive</U>. Notwithstanding anything herein to the contrary, the Executive hereby understands, acknowledges and agrees that the Bank or Holding Company may, each in its sole discretion, amend, modify, freeze, suspend or terminate any or all of
the incentive compensation, stock option, employee benefit and other plans and programs referenced herein at any time and from time to time in the future as provided in such plans and programs. Provided, however, that any such amendment,
modification, freezing, suspension or termination will not affect any of the Executive&#146;s vested or accrued benefits under any such plans or programs. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-114 </P>


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


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="10%" VALIGN="top" ALIGN="left"><B><U>Section&nbsp;4</U>.</B></TD>
<TD ALIGN="left" VALIGN="top"><B><U>Termination of Employment</U>. </B></TD></TR></TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">If the Executive&#146;s employment with the Bank is terminated for
any reason, the Executive&#146;s compensation and benefits hereunder will terminate effective as of the date his employment terminates; provided, however, that Executive shall be entitled to receive payment for any accrued but unpaid Base Salary and
any accrued but unused vacation and sick leave. After such termination, except as provided in Section&nbsp;3(d) above, Executive will be eligible to receive only whatever benefits are payable as of the date of his termination under the terms of the
benefit plans or programs, if any, in which Executive was participating. The last day of the Executive&#146;s employment with the Company will be referred to herein as the &#147;<B>Date of Termination</B>.&#148; </P>
<P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="10%" VALIGN="top" ALIGN="left"><B><U>Section&nbsp;5</U>.</B></TD>
<TD ALIGN="left" VALIGN="top"><B><U>Non-Disclosure; Return of Confidential Information and Other Property</U>. </B></TD></TR></TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(a) <U>Access to
Confidential Information</U>. The Executive understands, acknowledges and agrees that during the course of his employment with the Company he has gained or will gain information regarding, knowledge of and familiarity with the Confidential
Information (as defined in subsection 5(c)) of the Company and any Affiliates and that if the Confidential Information was disclosed by the Executive, the Company or Affiliate would suffer irreparable damage and harm. The Executive understands,
acknowledges and agrees that the Confidential Information derives substantial economic value from, among other reasons, not being known or readily ascertainable by proper means by others who could obtain economic value therefrom upon disclosure. The
Executive acknowledges and agrees that the Company and all Affiliates use reasonable means to maintain the secrecy and confidentiality of the Confidential Information. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(b) <U>Non-Disclosure</U>. At all times while the Executive is employed by the Company or any Affiliate, and at all times thereafter, the Executive will not
(i)&nbsp;directly or indirectly disclose, provide or discuss any Confidential Information (as defined in subsection 6(c)) with or to any Person other than those directors, officers, employees, representatives and agents of the Company and any
Affiliates who need to know such Confidential Information for a proper corporate purpose, and (ii)&nbsp;directly or indirectly use any Confidential Information (A)&nbsp;to compete against the Company or any Affiliates, or (B)&nbsp;for the
Executive&#146;s own benefit or for the benefit of any Person other than the Company or any Affiliate. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(c) <U>Confidential Information Defined</U>. For
purposes of this Agreement, the term &#147;<B>Confidential Information</B>&#148; means any and all: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(i)</TD>
<TD ALIGN="left" VALIGN="top">materials, records, data, documents, lists, writings and information (whether in writing, printed, verbal, electronic, computerized, on disk or otherwise) (A)&nbsp;relating or referring in any manner to the business,
operations, affairs, financial condition, results of operation, cash flow, assets, liabilities, sales, revenues, income, estimates, projections, policies, strategies, techniques, methods, products, developments, suppliers, relationships and/or
customers of the Company or any Affiliate that are confidential, proprietary or not otherwise publicly available, in any event not without a breach of this Agreement, or (B)&nbsp;that the Company or any Affiliate has deemed confidential, proprietary
or nonpublic; </TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-115 </P>


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


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(ii)</TD>
<TD ALIGN="left" VALIGN="top">trade secrets of the Company or any Affiliate, as defined in the Michigan Compiled Laws &#167;445.1902, as amended, or Title 24, Article 2, Chapter 3, Section&nbsp;2 of the Indiana Code (IC 24-2-3-2), as amended, or any
successor statutes; and </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(iii)</TD>
<TD ALIGN="left" VALIGN="top">any and all copies, summaries, analyses and extracts which relate or refer to or reflect any of the items set forth in (i)&nbsp;or (ii)&nbsp;above. The Executive agrees that all Confidential Information is confidential
and is and at all times will remain the property of, as applicable, the Company or any of the Affiliates. </TD></TR></TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(d) <U>Definition of Person</U>.
For purposes of this Agreement, the term &#147;<B>Person</B>&#148; will mean any natural person, proprietorship, partnership, corporation, limited liability corporation, bank, organization, firm, business, joint venture, association, trust or other
entity and any government agency, body or authority. </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(e)</TD>
<TD ALIGN="left" VALIGN="top"><U>Return of Confidential Information and Other Property</U>. The Executive covenants and agrees: </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(i)</TD>
<TD ALIGN="left" VALIGN="top">to keep all Confidential Information subject to the Company&#146;s or any Affiliate&#146;s custody and control and to promptly return to the Company or the appropriate Affiliate all Confidential Information that is
still in the Executive&#146;s possession or control at the termination of the Executive&#146;s employment with the Company; and </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(ii)</TD>
<TD ALIGN="left" VALIGN="top">promptly upon termination of the Executive&#146;s employment with the Company, to return to the Company, at the Company&#146;s principal office, all vehicles, equipment, computers, credit cards and other property of the
Company and to cease using any of the foregoing. </TD></TR></TABLE> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="10%" VALIGN="top" ALIGN="left"><B><U>Section&nbsp;6</U>.</B></TD>
<TD ALIGN="left" VALIGN="top"><B><U>Non-Competition</U>. </B></TD></TR></TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(a) <U>Agreement Not to Compete</U>. The Executive hereby understands,
acknowledges and agrees that, by virtue of his position with the Bank, the Executive has and will have advantageous familiarity and personal contacts with the customers, wherever located, of the Company and any Affiliates and has and will have
advantageous familiarity with the business, operations and affairs of the Company and any Affiliates. In addition, the Executive understands, acknowledges and agrees that the business of the Company and its Affiliates is highly competitive.
Accordingly, at all times while the Executive is employed by the Company and for a period of twenty-four (24)&nbsp;months following the Date of Termination, the Executive will not, in or from any of the Counties of Cass, Kalamazoo and St. Joseph in
the State of Michigan and the Counties of Allen, DeKalb, Elkhart, LaGrange, Noble and Whitley in the State of Indiana, directly or indirectly, or individually or together with any other Person, as owner, shareholder, investor, member, partner,
proprietor, principal, director, officer, employee, manager, agent, representative, independent contractor, consultant or otherwise: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(i)</TD>
<TD ALIGN="left" VALIGN="top">Engage in or assist another Person in engaging in, or use or permit his name to be used in connection with, any Competitive Business; or </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(ii)</TD>
<TD ALIGN="left" VALIGN="top">Finance, join, operate or control any Competitive Business; or </TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-116 </P>


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


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(iii)</TD>
<TD ALIGN="left" VALIGN="top">Offer or provide employment to, hire or engage (whether on a full-time, part-time or consulting basis or otherwise) any individual who has been an employee of the Company or any Affiliates within one year prior to such
offer, hiring or engagement, except that Employee may offer employment or other engagement to any individual who at the time of the initial offer of employment is no longer employed by the Holding Company or any of its affiliates if such employment
would not involve such individual&#146;s engaging in or soliciting Competitive Business. </TD></TR></TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(b) <U>Competitive Business Defined</U>. For
purposes of this Agreement, the term &#147;<B>Competitive Business</B>&#148; shall mean any banking-related business or venture. For purposes of this Section, the term or phrase &#147;<B>banking-related business or venture</B>&#148; shall include,
without limitation, any bank, bank holding company, financial holding company or credit union. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(c) <U>Enforceability</U>. The Executive acknowledges the
regional scope of the business of the Company and the Affiliates. Notwithstanding the foregoing, in the event that any provision of this Section is found by a court of competent jurisdiction to exceed the time, geographic or other restrictions
permitted by applicable law in any jurisdiction, then such court will have the power to reduce, limit or reform (but not to increase or make greater) such provision to make it enforceable to the maximum extent permitted by law, and such provision
will then be enforceable against the Executive in its reduced, limited or reformed manner; provided, however, that a provision will be enforceable in its reduced, limited or reformed manner only in the particular jurisdiction in which a court of
competent jurisdiction makes such determination. In addition, the parties agree that the provisions of this Section will be severable in accordance with subsection 12(e). </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="10%" VALIGN="top" ALIGN="left"><B><U>Section&nbsp;7</U>.</B></TD>
<TD ALIGN="left" VALIGN="top"><B><U>Non-Solicitation</U>. </B></TD></TR></TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Executive hereby understands, acknowledges and agrees
that, by virtue of his positions with the Bank, the Executive has and will have advantageous familiarity and personal contacts with the customers, wherever located, of the Company or any of the Affiliates and has and will have advantageous
familiarity with the business, operations and affairs of the Company or any of the Affiliates. In addition, the Executive understands, acknowledges and agrees that the business of the Company and the Affiliates is highly competitive. Accordingly, at
all times while the Executive is employed by the Bank and for a period of twenty-four (24)&nbsp;months following the Date of Termination, the Executive will not, directly or indirectly, or individually or together with any other Person, as owner,
shareholder, investor, member, partner, proprietor, principal, director, officer, employee, manager, agent, representative, independent contractor, consultant or otherwise: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(a) Solicit in any manner, seek to obtain or service any Competitive Business of any Person who is or was a customer or an active prospective customer of the
Company or any of the Affiliates during the one-year period prior to the Date of Termination; or </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(b) Request or advise any customers, suppliers, vendors
or others who were doing business with the Company or any of the Affiliates during the one-year period prior to the Date of Termination, or any </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-117 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
other Person, to terminate, reduce, limit or change their business or relationship with the Company or any of the Affiliates; or </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(c) Induce, request or attempt to influence any employee of the Company or any of the Affiliates who was employed by the Company or any Affiliates during the
one-year period prior to the Date of Termination, to terminate his or her employment with the Company or any of the Affiliates. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="10%" VALIGN="top" ALIGN="left"><B><U>Section&nbsp;8</U>.</B></TD>
<TD ALIGN="left" VALIGN="top"><B><U>Periods of Noncompliance and Reasonableness of Periods</U>. </B></TD></TR></TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The restrictions and
covenants contained in Sections 6 and 7 will be deemed not to run during all periods of noncompliance, the intention of the parties hereto being to have such restrictions and covenants apply during the Term of this Agreement and for the full periods
specified in Sections 6 and 7. The Company and the Executive understand, acknowledge and agree that the restrictions and covenants contained in Sections 6 and 7 are reasonable in view of the nature of the business in which the Company and the
Affiliates are engaged, the Executive&#146;s position with the Bank, the Executive&#146;s receipt of the Change in Control Payment following the Merger, and the Executive&#146;s advantageous knowledge of and familiarity with the business,
operations, affairs and customers of the Company and the Affiliates. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The restrictions and covenants contained in Section&nbsp;5, 6 and 7
are essential terms and conditions to the Company entering into this Agreement, and shall be construed as independent of any other provision in this Agreement. The existence of any claim or cause of action the Executive has against the Company,
whether predicated on this Agreement or otherwise, shall not constitute a defense to the enforcement by the Company of these covenants. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Company&#146;s obligation to pay the amounts otherwise payable to the Executive pursuant to this Agreement will immediately terminate in
the event that the Executive breaches any of the provisions of Sections 5, 6 or 7. Notwithstanding the foregoing: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(a) the covenants of the Executive set
forth in Sections 5, 6 and 7 will continue in full force and effect and be binding upon the Executive; </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(b)</TD>
<TD ALIGN="left" VALIGN="top">the Company will be entitled to the remedies specified in Section&nbsp;10; and </TD></TR></TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(c) the Company will be
entitled to its damages, costs and expenses (including, without limitation, reasonable attorneys&#146; fees and expenses) resulting from or relating to the Executive&#146;s breach of any of the provisions of Sections 5, 6 or 7. </P>
<P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="10%" VALIGN="top" ALIGN="left"><B><U>Section&nbsp;9</U>.</B></TD>
<TD ALIGN="left" VALIGN="top"><B><U>Survival of Certain Provisions</U>. </B></TD></TR></TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Upon any termination of the Executive&#146;s
employment with the Company, the Executive and the Company hereby expressly agree that the provisions of Sections 5, 6, 7, 8, 9, 10, 11 and 12 will continue to be in full force and effect and binding upon the Executive and the Company in accordance
with the applicable respective provisions of such Sections. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-118 </P>


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


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="10%" VALIGN="top" ALIGN="left"><B><U>Section&nbsp;10</U>.</B></TD>
<TD ALIGN="left" VALIGN="top"><B><U>Remedies</U>. </B></TD></TR></TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Executive agrees that the Company or an Affiliate will suffer
irreparable damage and injury and will not have an adequate remedy at law in the event of any actual, threatened or attempted breach by the Executive of any provision of Section&nbsp;5, 6 or 7. Accordingly, in the event of a breach or a threatened
or attempted breach by the Executive of any provision of Section&nbsp;5, 6 or 7, in addition to all other remedies to which the Company and Affiliates are entitled at law, in equity or otherwise, the Company and Affiliates may be entitled to a
temporary restraining order and a permanent injunction or a decree of specific performance of any provision of Section&nbsp;5, 6 or 7. The foregoing remedies will not be deemed to be the exclusive rights or remedies of the Company or an Affiliate
for any breach of or noncompliance with this Agreement by the Executive but will be in addition to all other rights and remedies available to the Company or Affiliate at law, in equity or otherwise. </P>
<P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="10%" VALIGN="top" ALIGN="left"><B><U>Section&nbsp;11</U>.</B></TD>
<TD ALIGN="left" VALIGN="top"><B><U>Miscellaneous</U>. </B></TD></TR></TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(a) <U>Assignment</U>. This Agreement is personal in nature and no party hereto
will, without the prior written consent of the other party hereto, assign or transfer this Agreement or any rights or obligations hereunder, except as otherwise provided herein. Without limiting the foregoing, the Executive&#146;s right to receive
compensation hereunder will not be assignable or transferable by the Executive, whether by pledge, creation of a security interest or otherwise, other than a transfer by the Executive&#146;s will or by the laws of descent, and in the event of any
attempted assignment or transfer contrary to this Section, the Company will have no liability to pay any amounts so attempted to be assigned or transferred. Notwithstanding the foregoing or anything herein to the contrary, this Agreement may be
assigned by the Company to any Affiliate without the prior consent of the Executive. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(b) <U>Waiver</U>. Either party hereto may, by a writing signed by
the waiving party, waive the performance by the other party of any of the covenants or agreements to be performed by such other party under this Agreement. The waiver by either party hereto of a breach of or noncompliance with any provision of this
Agreement will not operate or be construed as a continuing waiver or a waiver of any other or subsequent breach or noncompliance hereunder. The failure or delay of either party at any time to insist upon the strict performance of any provision of
this Agreement or to enforce its rights or remedies under this Agreement will not be construed as a waiver or relinquishment of the right to insist upon strict performance of such provision, or to pursue any of its rights or remedies for any breach
hereof, at a future time. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(c) <U>Amendment</U>. This Agreement may be amended, modified or supplemented only by a written agreement executed by all of the
parties hereto. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(d) <U>Headings</U>. The headings in this Agreement have been inserted solely for ease of reference and will not be considered in the
interpretation or construction of this Agreement. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-119 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(e) <U>Severability</U>. In case any one or more of the provisions (or any portion thereof) contained herein
will, for any reason, be held to be invalid, illegal or unenforceable in any respect, such invalidity, illegality or unenforceability will not affect any other provision of this Agreement, but this Agreement will be construed as if such invalid,
illegal or unenforceable provision or provisions (or portion thereof) had never been contained herein. If any provision of this Agreement will be determined by a court of competent jurisdiction to be unenforceable because of the provision&#146;s
scope, duration or other factor, then such provision will be considered divisible and the court making such determination will have the power to reduce or limit (but not increase or make greater) such scope, duration or other factor or to reform
(but not increase or make greater) such provision to make it enforceable to the maximum extent permitted by law, and such provision will then be enforceable against the appropriate party hereto in its reformed, reduced or limited form; provided,
however, that a provision will be enforceable in its reformed, reduced or limited form only in the particular jurisdiction in which a court of competent jurisdiction makes such determination. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(f) <U>Counterparts</U>. This Agreement may be executed in any number of counterparts, each of which will be an original, but such counterparts will together
constitute one and the same agreement. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(g) <U>Construction</U>. This Agreement will be deemed to have been drafted by both parties hereto. This Agreement
will be construed in accordance with the fair meaning of its provisions and its language will not be strictly construed against, nor will ambiguities be resolved against, any party. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(h) <U>Review and Consultation</U>. The Executive hereby acknowledges and agrees that he (i)&nbsp;has read this Agreement in its entirety prior to executing
it, (ii)&nbsp;understands the provisions, effects and restrictions of this Agreement, (iii)&nbsp;has consulted with such of his own attorneys, accountants and financial and other advisors as he has deemed appropriate in connection with his execution
of this Agreement, and (iv)&nbsp;has executed this Agreement voluntarily. <B>THE EXECUTIVE HEREBY UNDERSTANDS, ACKNOWLEDGES AND AGREES THAT HE HAS NOT RECEIVED ANY ADVICE, COUNSEL OR RECOMMENDATION WITH RESPECT TO THIS AGREEMENT FROM ANY DIRECTOR OR
EMPLOYEE OF, OR ANY ATTORNEY, ACCOUNTANT OR ADVISOR FOR, THE BANK OR THE HOLDING COMPANY.</B> </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(i) <U>Attorneys&#146; Fees</U>. Each party hereto will pay
the other party&#146;s reasonable costs and expenses (including, without limitation, reasonable attorneys&#146; fees and disbursements) in connection with such other party successfully enforcing any provision or provisions of this Agreement (except
as otherwise provided herein) against the breaching party (whether by litigation, arbitration, mediation, settlement or negotiation). </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(j) <U>Entire
Agreement</U>. This Agreement supersedes all other prior understandings, commitments, representations, negotiations, contracts and agreements, whether oral or written, between the parties hereto relating to the matters contemplated hereby and
constitute the entire understanding and agreement between the parties hereto relating to the subject matter hereof. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-120 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(k) <U>Certain References</U>. Whenever in this Agreement a singular word is used, it also will include the
plural wherever required by the context and vice-versa. All references to the masculine, feminine or neuter genders herein will include any other gender, as the context requires. Unless expressly provided otherwise, all references in this Agreement
to days will mean calendar, not business, days. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(l) <U>Governing Law</U>. This Agreement will be governed by and construed in accordance with the laws of
the State of Indiana applicable to contracts made and to be performed therein. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(m) <U>Notices</U>. All notices, requests and other communications
hereunder will be in writing (which will include facsimile communication) and will be deemed to have been duly given if (i)&nbsp;delivered by hand; (ii)&nbsp;sent by certified United States Mail, return receipt requested, first class postage
pre-paid; (iii)&nbsp;sent by overnight delivery service; or (iv)&nbsp;sent by facsimile transmission if such fax is confirmed immediately thereafter by also mailing a copy of such notice, request or other communication by regular United States Mail,
first class postage pre-paid, as follows: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="51%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="47%"></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="text-indent:2.00em; font-size:10pt; font-family:Times New Roman">If to the Company:</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Horizon Bancorp</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Attention: Chief Executive Officer</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">515 Franklin Square</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Michigan City, Indiana 46360</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Telephone: (219)&nbsp;879-0211</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Facsimile: (219)&nbsp;873-2628</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="text-indent:2.00em; font-size:10pt; font-family:Times New Roman">If to the Executive:</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Jeffrey H. Gatton</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">17070 Woodside Lane</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Three Rivers, Michigan 49093</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">or to such other address or facsimile number as any party hereto may have furnished to the other parties in writing in
accordance herewith, except that notices of change of address or facsimile number will be effective only upon receipt. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">All such notices, requests and
other communications will be effective (i)&nbsp;if delivered by hand, when delivered; (ii)&nbsp;if sent by mail in the manner provided herein, two business days after deposit with the United States Postal Service; (iii)&nbsp;if sent by overnight
express delivery service, on the next business day after deposit with such service; or (iv)&nbsp;if sent by facsimile transmission, on the date indicated on the fax confirmation page of the sender if such fax also is confirmed by mail in the manner
provided herein. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(n) <U>Jurisdiction and Venue</U>. The parties hereto hereby agree that all demands, claims, actions, causes of action, suits,
proceedings and litigation between or among the parties relating to this Agreement, will be filed, tried and litigated only in a federal or state court located in the State of Indiana. In connection with the foregoing, the parties hereto irrevocably
consent to the jurisdiction and venue of such court and expressly waive any claims or defenses of lack of jurisdiction of or proper venue by such court. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-121 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(o) <U>Recitals</U>. The recitals contained on page one of this Agreement are expressly incorporated into and
made a part of this Agreement. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(p) <U>Successors</U>. The Company will require any successor (whether direct or indirect, by purchase, merger,
consolidation, share exchange, combination or otherwise) to all or substantially all of the business, assets or voting securities of the Bank or the Holding Company to expressly assume and agree, in writing, to perform this Agreement in, and any
successor will absolutely and unconditionally assume all of the Company&#146;s obligations hereunder to, the same manner and extent, and upon the same terms and conditions, that the Company would be required to perform it if no such succession had
taken place. As used in this Agreement, the Company will mean the Company as hereinbefore defined and any successor to their business, assets or voting securities as aforesaid. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><I>[Signature page follows] </I></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-122 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">IN WITNESS WHEREOF, the parties hereto have made, entered into, executed and delivered this
Agreement as of the day and year first above written. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="45%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="9%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="44%"></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><B>HORIZON BANK, N.A.</B></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"><B>ATTEST</B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:&nbsp;&nbsp;<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">By:&nbsp;&nbsp;<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Craig M. Dwight, Chairman and</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Peter L. Pairitz, Chairman</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Chief Executive Officer</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Compensation Committee</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><B>HORIZON BANCORP</B></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"><B>EXECUTIVE</B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:&nbsp;&nbsp;<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Craig M. Dwight, President and</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Jeffrey H. Gatton</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Chief Executive Officer</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-123 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B><A NAME="tx915197_149"></A>Appendix B </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt;margin-bottom:0pt">


<IMG SRC="g915197dsp339.jpg" ALT="LOGO">
 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">February&nbsp;18, 2015 </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Board of Directors </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Peoples Bancorp </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">212 West Seventh Street </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Auburn, IN 46706 </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Members of the Board: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">You have requested the
opinion of Keefe, Bruyette&nbsp;&amp; Woods, Inc. (&#147;KBW&#148; or &#147;we&#148;) as investment bankers as to the fairness, from a financial point of view, to the common shareholders of Peoples Bancorp (&#147;PBNI&#148;) of the Merger
Consideration (as defined below) in the proposed merger (the &#147;Transaction&#148;) of PBNI with and into Horizon Bancorp (&#147;HBNC&#148;), pursuant to the Agreement and Plan of Merger to be entered into by and between PBNI and HBNC (the
&#147;Agreement&#148;). Pursuant to the Agreement and subject to the terms, conditions and limitations set forth therein, at the Effective Time (as defined in the Agreement), each share of common stock, par value $1.00 per share, of PBNI (&#147;PBNI
Common Stock&#148;) issued and outstanding immediately prior to the Effective Time (excluding Dissenting Shares (as defined in the Agreement), shares held as treasury stock of PBNI and shares held directly or indirectly by HBNC (except shares held
in a fiduciary capacity or in satisfaction of a debt previously contracted)) will become and be converted into the right to receive: (i)&nbsp;0.95 of a share of common stock, no par value per share, of HBNC (&#147;HBNC Common Stock&#148;) (the
&#147;Stock Consideration&#148;) and (ii)&nbsp;$9.75 in cash (the &#147;Cash Consideration&#148;). The Stock Consideration and the Cash Consideration are referred to collectively herein as the &#147;Merger Consideration.&#148; The terms and
conditions of the Transaction are more fully set forth in the Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Agreement further provides that, simultaneously with or
immediately following the Transaction, Peoples Federal Savings Bank of DeKalb County, a wholly-owned subsidiary of PBNI, will merge with and into Horizon Bank, National Association, a wholly-owned subsidiary of HBNC (such transaction, the &#147;Bank
Merger&#148;). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">KBW has acted as financial advisor to PBNI and not as an advisor to or agent of any other person. As part of our
investment banking business, we are continually engaged in the valuation of banking companies in connection with acquisitions, negotiated underwritings, secondary distributions of listed and unlisted securities, private placements and valuations for
various other purposes. As specialists in the securities of banking companies, we have experience in, and knowledge of, the valuation of banking enterprises. In the ordinary course of KBW&#146;s business as a broker-dealer, KBW and its affiliates
may from time to time purchase securities from, and sell securities to, HBNC. Further to existing sales and trading relationships between PBNI and both KBW and a KBW-affiliated broker-dealer, KBW and such affiliate from time to time purchase
securities from, and sell securities to, PBNI. As a market maker in securities, KBW may from time to time have a long or short position in, and buy or sell, debt or equity securities of PBNI and HBNC for KBW&#146;s own account and for the accounts
of its customers, and KBW employees may also maintain individual positions in PBNI Common Stock and HBNC Common Stock, which, as you are aware, currently includes an immaterial position in HBNC Common Stock held by a senior member of the KBW
advisory team providing services to PBNI in connection with the Transaction. We have acted exclusively for the board of directors of PBNI (the &#147;Board&#148;) in rendering this opinion and will receive a fee from PBNI for our services. A portion
of our fee is payable upon the rendering of this </P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Keefe, Bruyette &amp; Woods, a
Stifel Company &#149; 70 West Madison, Suite 2401, Chicago, IL 60602 </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">312.423.8200 &#149; Toll Free: 800.966.1559 &#149; www.kbw.com </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-1 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
opinion, and a significant portion is contingent upon the successful completion of the Transaction. In addition, PBNI has agreed to indemnify us for certain liabilities arising out of our
engagement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Other than in connection with this present engagement, in the past two years, KBW has not provided investment banking and
financial advisory services to PBNI. In the past two years, KBW has not provided investment banking and financial advisory services to HBNC. We may in the future provide investment banking and financial advisory services to PBNI or HBNC and receive
compensation for such services. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In connection with this opinion, we have reviewed, analyzed and relied upon material bearing upon the
financial and operating condition of PBNI and HBNC and the Transaction, including among other things, the following: (i)&nbsp;a draft of the Agreement dated February&nbsp;16, 2015 (the most recent draft made available to us); (ii)&nbsp;certain
regulatory filings of PBNI and HBNC, including the quarterly call reports filed with respect to each quarter during the three years ended December&nbsp;31, 2014 for PBNI and HBNC; (iii)&nbsp;the audited financial statements for the three fiscal
years ended September&nbsp;30, 2014 of PBNI; (iv)&nbsp;the audited financial statements and Annual Reports on Form 10-K for the three fiscal years ended December&nbsp;31, 2013 of HBNC; (v)&nbsp;the unaudited quarterly financial statements for the
fiscal quarter ended December&nbsp;31, 2014 of PBNI; (vi)&nbsp;the unaudited quarterly financial statements and Quarterly Reports on Form 10-Q for the fiscal quarters ended March&nbsp;31, 2014,&nbsp;June&nbsp;30, 2014 and September&nbsp;30, 2014 of
HBNC; (vii)&nbsp;the unaudited quarterly and fiscal year-end financial results for the fiscal quarter and fiscal year ended December&nbsp;31, 2014 of HBNC (contained in the Current Report on Form 8-K filed by HBNC with the Securities and Exchange
Commission on January&nbsp;22, 2014); (viii)&nbsp;certain other interim reports and other communications of PBNI and HBNC to their respective shareholders; and (ix)&nbsp;other financial information concerning the businesses and operations of PBNI
and HBNC furnished to us by PBNI and HBNC or which we were otherwise directed to use for purposes of our analyses. Our consideration of financial information and other factors that we deemed appropriate under the circumstances or relevant to our
analyses included, among others, the following: (i)&nbsp;the historical and current financial position and results of operations of PBNI and HBNC; (ii)&nbsp;the assets and liabilities of PBNI and HBNC; (iii)&nbsp;the nature and terms of certain
other merger transactions and business combinations in the banking industry; (iv)&nbsp;a comparison of certain financial information for PBNI and certain financial and stock market information for HBNC with similar information for certain other
companies the securities of which are publicly traded; (v)&nbsp;financial and operating forecasts and projections of PBNI that were prepared by, and provided to us and discussed with us by, PBNI management and that were used and relied upon by us at
the direction of such management with the consent of the Board; (vi)&nbsp;financial and operating forecasts and projections of HBNC and estimates regarding certain pro forma financial effects of the Transaction on HBNC (including, without
limitation, the cost savings, related expenses and operating synergies expected to result from the Transaction), that were prepared by, and provided to us and discussed with us by, HBNC management and that were used and relied upon by us at the
direction of the Board. We have also performed such other studies and analyses as we considered appropriate and have taken into account our assessment of general economic, market and financial conditions and our experience in other transactions, as
well as our experience in securities valuation and knowledge of the banking industry generally. We have also held discussions with senior management of PBNI and HBNC regarding the past and current business operations, regulatory relations, financial
condition and future prospects of their respective companies and such other matters as we have deemed relevant to our inquiry. In addition, we have considered the results of the efforts undertaken by PBNI, with our assistance, to solicit indications
of interest from third parties regarding a potential transaction with PBNI. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In conducting our review and arriving at our opinion, we have
relied upon and assumed the accuracy and completeness of all of the financial and other information provided to us or that was publicly available and we have not independently verified the accuracy or completeness of any such information or assumed
any responsibility or liability for such verification, accuracy or completeness. We have relied upon the respective managements of PBNI and HBNC as to the reasonableness and achievability of the financial and operating forecasts and projections of
PBNI and HBNC (and the assumptions and bases therefor) that were prepared by, and </P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Keefe, Bruyette &amp; Woods, a Stifel Company &#149; 70 West Madison, Suite 2401, Chicago, IL 60602 </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">312.423.8200 &#149; Toll Free: 800.966.1559 &#149; www.kbw.com </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-2 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
provided to us and discussed with us by such managements and we have assumed, with the consent of PBNI, that such forecasts and projections were reasonably prepared on a basis reflecting the best
currently available estimates and judgments of such managements and that such forecasts and projections will be realized in the amounts and in the time periods currently estimated by such managements. We have further relied upon HBNC management as
to the reasonableness and achievability of the estimates regarding certain pro forma financial effects of the Transaction on HBNC (and the assumptions and bases therefor, including without limitation, cost savings, related expenses and operating
synergies expected to result from the Transaction) that were prepared and provided to us by, and discussed with us by, such management and we have assumed, with the consent of PBNI, that all such estimates were reasonably prepared on a basis
reflecting the best currently available estimates and judgments of such management and that such estimates will be realized in the amounts and in the time periods currently estimated by such management. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">It is understood that the forecasts, projections and estimates of PBNI and HBNC provided to us were not prepared with the expectation of
public disclosure, that all such information is based on numerous variables and assumptions that are inherently uncertain, including, without limitation, factors related to general economic and competitive conditions and that, accordingly, actual
results could vary significantly from those set forth in such forecasts, projections and estimates. We have assumed, based on discussions with the respective managements of PBNI and HBNC, that such forecasts, projections and estimates of PBNI and
HBNC referred to above, provide a reasonable basis upon which we could form our opinion and we express no view as to any such information or the assumptions or bases therefor. We have relied on all such information without independent verification
or analysis and do not in any respect assume any responsibility or liability for the accuracy or completeness thereof. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">We also assumed
that there were no material changes in the assets, liabilities, financial condition, results of operations, business or prospects of either PBNI or HBNC since the date of the last financial statements of each such entity that were made available to
us. We are not experts in the independent verification of the adequacy of allowances for loan and lease losses and we have assumed, without independent verification and with your consent, that the aggregate allowances for loan and lease losses for
PBNI and HBNC are adequate to cover such losses. In rendering our opinion, we have not made or obtained any evaluations or appraisals or physical inspection of the property, assets or liabilities (contingent or otherwise) of PBNI or HBNC, the
collateral securing any of such assets or liabilities, or the collectability of any such assets, nor have we examined any individual loan or credit files, nor did we evaluate the solvency, financial capability or fair value of PBNI or HBNC under any
state or federal laws, including those relating to bankruptcy, insolvency or other matters. Estimates of values of companies and assets do not purport to be appraisals or necessarily reflect the prices at which companies or assets may actually be
sold. Because such estimates are inherently subject to uncertainty, we assume no responsibility or liability for their accuracy. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">We have
assumed, in all respects material to our analyses, the following: (i)&nbsp;that the Transaction and any related transaction (including the Bank Merger) will be completed substantially in accordance with the terms set forth in the Agreement (the
final terms of which will not differ in any respect material to our analyses from the draft reviewed) with no additional payments or adjustments to the Merger Consideration; (ii)&nbsp;that the representations and warranties of each party in the
Agreement and in all related documents and instruments referred to in the Agreement are true and correct; (iii)&nbsp;that each party to the Agreement and all related documents will perform all of the covenants and agreements required to be performed
by such party under such documents; (iv)&nbsp;that there are no factors that would delay or subject to any adverse conditions, any necessary regulatory or governmental approval for the Transaction or any related transaction and that all conditions
to the completion of the Transaction and any related transaction will be satisfied without any waivers or modifications to the Agreement; and (v)&nbsp;that in the course of obtaining the necessary regulatory, contractual, or other consents or
approvals for the Transaction and any related transaction, no restrictions, including any divestiture requirements, termination or other payments or amendments or modifications, will be imposed that will have a material adverse effect on the future
results of operations or financial condition of PBNI, HBNC, the combined entity, or the contemplated benefits of the Transaction, including the cost savings, related expenses and operating synergies </P>
<p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Keefe, Bruyette &amp; Woods, a Stifel Company &#149; 70 West Madison, Suite 2401,
Chicago, IL 60602 </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">312.423.8200 &#149; Toll Free: 800.966.1559 &#149; www.kbw.com </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-3 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
expected to result from the Transaction. We have assumed, in all respects material to our analyses, that the Transaction will be consummated in a manner that complies with the applicable
provisions of the Securities Act of 1933, as amended, the Securities Exchange Act of 1934, as amended, and all other applicable federal and state statutes, rules and regulations. We have further assumed that PBNI has relied upon the advice from
appropriate sources (other than KBW) as to all legal, financial reporting, tax, accounting and regulatory matters with respect to HBNC, the Transaction, any related transaction (including the Bank Merger), and the Agreement. KBW has not provided
advice with respect to any such matters. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This opinion addresses only the fairness, from a financial point of view, as of the date hereof,
of the Merger Consideration in the Transaction to the holders of PBNI Common Stock. We express no view or opinion as to any other terms or aspects of the Transaction or any related transaction (including the Bank Merger), including without
limitation, the form or structure of the Transaction (including the form of Merger Consideration or the allocation of the Merger Consideration between stock and cash) or any related transaction, any consequences of the Transaction or any related
transaction to PBNI, its shareholders, creditors or otherwise, or any terms, aspects, merits or implications of any employment, consulting, voting, support, shareholder or other agreements, arrangements or understandings contemplated or entered into
in connection with the Transaction or otherwise. Our opinion is necessarily based upon conditions as they exist and can be evaluated on the date hereof and the information made available to us through the date hereof. It is understood that
subsequent developments may affect the conclusion reached in this opinion and that KBW does not have an obligation to update, revise or reaffirm this opinion. Our opinion does not address, and we express no view or opinion with respect to,
(i)&nbsp;the underlying business decision of PBNI to engage in the Transaction or enter into the Agreement, (ii)&nbsp;the relative merits of the Transaction as compared to any strategic alternatives that are, have been or may be available to or
contemplated by PBNI or the Board, (iii)&nbsp;the fairness of the amount or nature of any compensation to any of PBNI&#146;s officers, directors or employees, or any class of such persons, relative to any compensation to the holders of PBNI Common
Stock, (iv)&nbsp;the effect of the Transaction or any related transaction on, or the fairness of the consideration to be received by, holders of any class of securities of PBNI (other than PBNI Common Stock (solely with respect to the Merger
Consideration, as described herein and not relative to the consideration to be received by any other class)) or any class of securities of HBNC or any other party to any transaction contemplated by the Agreement, (v)&nbsp;whether HBNC has sufficient
cash, available lines of credit or other sources of funds to enable it to pay the aggregate Cash Consideration to the holders of PBNI Common Stock at the closing of the Transaction, (vi)&nbsp;the actual value of HBNC Common Stock to be issued in the
Transaction, (vii)&nbsp;any adjustment (as provided in the Agreement) in the amount of Stock Consideration assumed to be paid in the Transaction for purposes of our opinion, (viii)&nbsp;the prices, trading range or volume at which PBNI Common Stock
or HBNC Common Stock will trade following the public announcement of the Transaction or the prices, trading range or volume at which HBNC Common Stock will trade following consummation of the Transaction, (ix)&nbsp;any advice or opinions provided by
any other advisor to any of the parties to the Transaction or any other transaction contemplated by the Agreement, or (x)&nbsp;any legal, regulatory, accounting, tax or similar matters relating to PBNI, HBNC, their respective shareholders, or
relating to or arising out of or as a consequence of the Transaction or any related transaction (including the Bank Merger), including whether or not the Transaction would qualify as a tax-free reorganization for United States federal income tax
purposes. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This opinion is for the information of, and is directed to, the Board (in its capacity as such) in connection with its
consideration of the financial terms of the Transaction. This opinion is not to be used for any other purpose and may not be published, referred to, reproduced, disseminated or quoted from, in whole or in part, nor shall any public reference to KBW
be made, without our prior written consent. This opinion does not constitute a recommendation to the Board as to how it should vote on the Transaction, or to any holder of PBNI Common Stock or any shareholder of any other entity as to how to vote in
connection with the Transaction or any other matter, nor does it constitute a recommendation regarding whether or not any such shareholder should enter into a voting, shareholders&#146;, or affiliates&#146; agreement with respect to the Transaction
or exercise any dissenters&#146; or appraisal rights that may be available to such holder. </P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Keefe, Bruyette &amp; Woods, a Stifel Company &#149; 70 West Madison, Suite 2401, Chicago, IL 60602 </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">312.423.8200 &#149; Toll Free: 800.966.1559 &#149; www.kbw.com </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-4 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This opinion has been reviewed and approved by our Fairness Opinion Committee in conformity with
our policies and procedures established under the requirements of Rule 5150 of the Financial Industry Regulatory Authority. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Based upon
and subject to the foregoing, it is our opinion that, as of the date hereof, the Merger Consideration in the Transaction is fair, from a financial point of view, to the holders of PBNI Common Stock. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:54%; text-indent:-2%; font-size:10pt; font-family:Times New Roman">Very truly yours, </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt;margin-bottom:0pt; margin-left:54%; text-indent:-2%">


<IMG SRC="g915197dsp343.jpg" ALT="LOGO">
 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:54%; text-indent:-2%; font-size:10pt; font-family:Times New Roman">Keefe, Bruyette&nbsp;&amp; Woods, Inc. </P>
<p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Keefe, Bruyette &amp; Woods, a Stifel Company &#149; 70 West Madison, Suite 2401,
Chicago, IL 60602 </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">312.423.8200 &#149; Toll Free: 800.966.1559 &#149; www.kbw.com </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-5 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B><A NAME="tx915197_150"></A>Appendix C </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt;margin-bottom:0pt" ALIGN="center">


<IMG SRC="g915197dsp344.jpg" ALT="LOGO">
 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">February&nbsp;18, 2015 </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Board of Directors </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Horizon Bancorp </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">515 Franklin Square </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Michigan City, IN 46360 </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Board of Directors: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">You have requested our
opinion as to the fairness, from a financial point of view, to the common shareholders of Horizon Bancorp (&#147;HBNC&#148;) of the consideration to be paid in connection with the proposed acquisition of Peoples Bancorp, Inc. and its wholly-owned
subsidiary Peoples Federal Savings Bank of DeKalb County (collectively &#147;PBNI&#148;) (the &#147;Transaction&#148;) pursuant and subject to the Agreement and Plan of Merger dated February&nbsp;18, 2015 (the &#147;Definitive Agreement&#148;).
Pursuant to and as more thoroughly outlined in the Definitive Agreement HNBC has agreed to exchange 0.95 of its common shares and $9.75 in cash, for each issued and outstanding common share of PBNI; provided, however, the PBNI stockholders holding
less than 100 shares of PBNI common stock will be entitled to received $33.14 per share in cash and will not be entitled to receive any HBNC common stock (the &#147;Consideration&#148;). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">HBNC jointly engaged Patrick Capital Markets, LLC a registered broker-dealer (&#147;PCM&#148;) and Cummings&nbsp;&amp; Company, LLC
(&#147;C&amp;C&#148;) to act as financial advisors in the Transaction. Whitley A. Cummings is a registered representative of PCM and is President of C&amp;C. PCM and C&amp;C as part of their investment banking and consulting business are regularly
engaged in the valuation of bank holding companies and banks, thrift holding companies and thrifts and their securities in connection with mergers and acquisitions, branch transactions and valuations for corporate and other purposes. In arriving at
our opinion, we have reviewed a draft of the Definitive Agreement and also reviewed publicly available business, financial and shareholder information relating to HBNC and PBNI. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In connection with the foregoing, we have (i)&nbsp;reviewed PBNI&#146;s Annual Report and related financial information for the two calendar
years ended September&nbsp;30, 2014 (ii)&nbsp;reviewed the Call Report for PBNI as of December&nbsp;31, 2014; (iii)&nbsp;reviewed certain internal financial information relating to the business, earnings, cash flows, assets and prospects of PBNI
furnished to PCM and C&amp;C by PBNI; (iv)&nbsp;reviewed HBNC&#146;s Annual Reports to Shareholders, Annual Reports on Form 10-K and related financial information for the three calendar year ended December&nbsp;31, 2013 and HBNC&#146;s Quarterly
Report on Form 10-Q and related unaudited financial information for the first three quarters of fiscal 2014; (v)&nbsp;reviewed the financial terms and conditions as stated in the Definitive Agreement; (vi)&nbsp;held discussions with members of the
senior management PBNI and HBNC concerning the past and </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">C-1 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
current results of operations of PBNI and HBNC, their current financial condition and management&#146;s opinion of its future prospects; (vii)&nbsp;considered the current state of and future
prospects for the economy of the States of Indiana and Michigan generally and the relevant market areas for PBNI in particular; and (viii)&nbsp;performed such other studies and analyses as PCM and C&amp;C considered appropriate under the
circumstances associated with this particular transaction. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In the course of our review and analysis we considered, among other things,
such topics as the historic and projected contributions of recurring earnings by PBNI, the anticipated future earnings per share results for HBNC, the potential to realize significant recurring operating expense reductions and the impact thereof on
projected future earnings per share and the relative capitalization and capital adequacy of HBNC. We also considered the composition of deposits and the composition of the loan portfolio of PBNI. In the conduct of our review and analysis we have
relied upon and assumed, without independent verification, the accuracy and completeness of the financial information provided to us by PBNI and HBNC and or otherwise publicly obtainable. In reaching our opinion we have not assumed any
responsibility for the independent verification of such information or any independent valuation or appraisal of any of the assets or the liabilities of PBNI, nor have we obtained from any other source, any current appraisals of the assets or
liabilities of PBNI and HBNC. We have also relied on the managements of PBNI and HBNC as to the reasonableness of various financial and operating forecasts and of the assumptions on which they are based, which were provided to us for use in our
analyses. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Based upon and subject to the foregoing, it is our opinion, that as of the date of this letter, the Consideration being paid in
the Transaction is fair from a financial point of view to the HBNC common shareholders. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt;margin-bottom:0pt">


<IMG SRC="g915197dsp345.jpg" ALT="LOGO">
 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">88 Kenrick Plaza &nbsp;&nbsp;&nbsp;&nbsp;St. Louis, MO 63119 &nbsp;&nbsp;&nbsp;&nbsp;314.963.9336
&nbsp;&nbsp;&nbsp;&nbsp;<U>www.patrickcapital.com</U> </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Member FINRA/SIPC </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">C-2 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B><A NAME="tx915197_151"></A>Appendix D </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>V<SMALL>OTING</SMALL> A<SMALL>GREEMENT</SMALL> </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Each of the undersigned, being all of the directors of Peoples Bancorp (&#147;<B>Peoples</B>&#148;) and Peoples Federal Savings Bank of DeKalb
County having, in the case of the Peoples directors, voted for the approval and adoption by Peoples of that certain Agreement and Plan of Merger (&#147;<B>Agreement and Plan of Merger</B>&#148;) among Peoples and Horizon Bancorp
(&#147;<B>Horizon</B>&#148;), whereby Horizon will acquire all of the outstanding capital stock of Peoples in exchange for shares of Horizon common stock, no par value per share (the &#147;<B>Holding Company Merger</B>&#148;), in consideration of
the benefits to be derived from the consummation of such merger and in consideration of the mutual agreements made in the Agreement and Plan of Merger and herein, and in order to induce Horizon to execute and deliver the Agreement and Plan of Merger
to Peoples and to proceed with the consummation of the Holding Company Merger and to incur the expenses required in connection therewith, hereby irrevocably covenants and agrees with one another and with each of the parties to such Agreement and
Plan of Merger that the undersigned: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) will support the consummation of the Holding Company Merger and any merger of any
Peoples subsidiaries, including Peoples Federal Savings Bank of DeKalb County, and, subject to fiduciary duties and <U>Section&nbsp;5.06</U> of the Agreement and Plan of Merger, will recommend the Holding Company Merger for approval and adoption by
the shareholders of Peoples; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) will vote all shares of common stock of Peoples (&#147;<B>Peoples Common Stock</B>&#148;)
now or hereafter beneficially owned by him or her, in person or by proxy, at any meeting of the shareholders of Peoples or adjournments thereof, in favor of the approval and adoption of the Agreement and Plan of Merger and the Holding Company
Merger; and </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) until such time as the Holding Company Merger has been consummated or the Agreement and Plan of Merger has
been duly terminated in accordance with the provisions thereof, will not transfer any shares of Peoples Common Stock, or any right or option with respect thereto or any interest therein, without first obtaining from the transferee thereof and
furnishing to Horizon a written agreement of such transferee substantially to the effect of the agreements herein made and in form and substance acceptable to Horizon. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The undersigned represents and warrants that he or she (except to the extent indicated below) is the sole record and/or beneficial owner of
(and has sole rights to vote and to dispose of) the number of shares of Peoples Common Stock indicated beside his or her signature below. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This Voting Agreement shall be effective from the date hereof and shall terminate and be of no further force and effect upon the earlier of
(a)&nbsp;the consummation of the Holding Company Merger; (b)&nbsp;the termination of the Agreement and Plan of Merger in accordance with its terms; or (c)&nbsp;the taking of such action whereby a majority of Peoples&#146; Board of Directors, in
accordance with the terms and conditions of <U>Section&nbsp;5.06</U> of the Agreement and Plan of Merger, withdraws its favorable recommendation of the Agreement and Plan of Merger to the shareholders of Peoples. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This Voting Agreement may be executed in one or more counterparts and delivered by facsimile, pdf or other means of electronic communication,
each of which shall be deemed an original, but all of which together shall constitute one and the same agreement. This Voting Agreement shall be governed </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">D-1 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
by and construed in accordance with the laws of the State of Indiana and applicable federal laws, without regard to principles of conflicts of law. The parties hereto hereby agree that all
claims, actions, suits and proceedings between the parties hereto relating to this Voting Agreement shall be filed, tried and litigated only in the Circuit or Superior Courts of Marion County, Indiana or the United States District Court for the
Southern District of Indiana. In connection with the foregoing, the parties hereto consent to the jurisdiction and venue of such courts and expressly waive any claims or defenses of lack of personal jurisdiction of or proper venue by such courts.
The parties agree that irreparable damage would occur in the event that any of the provisions of this Voting Agreement was not performed in accordance with its specific terms on a timely basis or were otherwise breached. It is accordingly agreed
that the parties shall be entitled to an injunction or other equitable relief to prevent breaches of this Voting Agreement and to enforce specifically the terms and provisions of this Voting Agreement in any court identified above, this being in
addition to any other remedy to which they are entitled at law or in equity. <I>WAIVER OF JURY TRIAL</I>. EACH OF THE PARTIES HEREBY WAIVES TRIAL BY JURY IN ANY JUDICIAL PROCEEDING INVOLVING, DIRECTLY, IN ANY MATTERS (WHETHER SOUNDING IN TORT,
CONTRACT OR OTHERWISE) IN ANY WAY ARISING OUT OF, RELATED TO, OR CONNECTED WITH THIS VOTING AGREEMENT. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>[R<SMALL>EMAINDER</SMALL>
<SMALL>OF</SMALL> P<SMALL>AGE</SMALL> I<SMALL>NTENTIONALLY</SMALL> L<SMALL>EFT</SMALL> B<SMALL>LANK</SMALL>.] </B></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">D-2 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Executed and Delivered as of February&nbsp;18, 2015. </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="51%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="47%"></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ G. Richard Gatton</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">( 27,137 shares)</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">G. Richard Gatton</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Bruce S. Holwerda</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">( 5,964 shares)</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Bruce S. Holwerda</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Douglas D. Marsh</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">( 12,500 shares)</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Douglas D. Marsh</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Stephen R. Olson</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">( 12,751 shares)</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Stephen R. Olson</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Maurice F. Winkler, III</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">( 26,174 shares)</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Maurice F. Winkler, III</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">D-3 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B><A NAME="tx915197_152"></A>Appendix E </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>INDIANA CODE </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>TITLE 23.
BUSINESS AND OTHER ASSOCIATIONS </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE 1. INDIANA BUSINESS CORPORATION LAW </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>CHAPTER 44. DISSENTERS&#146; RIGHTS </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>&#167; 23-1-44-1. &#147;Corporation&#148; defined. </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">As used in this chapter, &#147;corporation&#148; means the issuer of the shares held by a dissenter before the corporate action, or the
surviving or acquiring corporation by merger or share exchange of that issuer. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>&#167; 23-1-44-2. &#147;Dissenter&#148; defined. </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">As used in this chapter, &#147;dissenter&#148; means a shareholder who is entitled to dissent from corporate action under section 8 of this
chapter and who exercises that right when and in the manner required by sections 10 through 18 of this chapter. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>&#167; 23-1-44-3. &#147;Fair
value&#148; defined. </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">As used in this chapter, &#147;fair value&#148;, with respect to a dissenter&#146;s shares, means the value of
the shares immediately before the effectuation of the corporate action to which the dissenter objects, excluding any appreciation or depreciation in anticipation of the corporate action unless exclusion would be inequitable. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>&#167; 23-1-44-4. &#147;Interest&#148; defined. </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">As used in this chapter, &#147;interest&#148; means interest from the effective date of the corporate action until the date of payment, at the
average rate currently paid by the corporation on its principal bank loans or, if none, at a rate that is fair and equitable under all the circumstances. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>&#167; 23-1-44-4.5. &#147;Preferred shares&#148; defined. </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">As used in this chapter, &#147;preferred shares&#148; means a class or series of shares in which the holders of the shares have preference over
any other class or series with respect to distributions. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>&#167; 23-1-44-5. &#147;Record shareholder&#148; defined. </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">As used in this chapter, &#147;record shareholder&#148; means the person in whose name shares are registered in the records of a corporation or
the beneficial owner of shares to the extent that treatment as a record shareholder is provided under a recognition procedure or a disclosure procedure established under IC 23-1-30-4. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>&#167; 23-1-44-6. &#147;Beneficial shareholder&#148; defined. </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">As used in this chapter, &#147;beneficial shareholder&#148; means the person who is a beneficial owner of shares held by a nominee as the
record shareholder. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>&#167; 23-1-44-7. &#147;Shareholder&#148; defined. </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">As used in this chapter, &#147;shareholder&#148; means the record shareholder or the beneficial shareholder. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>&#167; 23-1-44-8. Right to dissent and obtain payment for shares. </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">(a) A shareholder is entitled to dissent from, and obtain payment of the fair value of the shareholder&#146;s shares in the event of, any of
the following corporate actions: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1) Consummation of a plan of merger to which the corporation is a party if: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:8%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(A) shareholder approval is required for the merger by IC 23-1-40-3 or the articles of incorporation; and </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:8%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(B) the shareholder is entitled to vote on the merger. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:8%; font-size:10pt; font-family:Times New Roman">(2) Consummation of a plan of share exchange to which the corporation is a party as the corporation whose shares will be acquired, if the
shareholder is entitled to vote on the plan. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:8%; font-size:10pt; font-family:Times New Roman">(3) Consummation of a sale or exchange of all, or substantially all, of the property of the
corporation other than in the usual and regular course of business, if the shareholder is entitled to vote on the sale or exchange, including a sale in dissolution, but not including a sale pursuant to court order or a sale for cash pursuant to a
plan by which all or substantially all of the net proceeds of the sale will be distributed to the shareholders within one (1)&nbsp;year after the date of sale. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">E-1 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:8%; font-size:10pt; font-family:Times New Roman">(4) The approval of a control share acquisition under IC 23-1-42. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:8%; font-size:10pt; font-family:Times New Roman">(5) Any corporate action taken pursuant to a shareholder vote to the extent the articles of incorporation, bylaws, or a resolution of the board
of directors provides that voting or nonvoting shareholders are entitled to dissent and obtain payment for their shares. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">(b) This section
does not apply to the holders of shares of any class or series if, on the date fixed to determine the shareholders entitled to receive notice of and vote at the meeting of shareholders at which the merger, plan of share exchange, or sale or exchange
of property is to be acted on, the shares of that class or series were a covered security under Section&nbsp;18(b)(1)(A) or 18(b)(1)(B) of the Securities Act of 1933, as amended. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">(c) The articles of incorporation as originally filed or any amendment to the articles of incorporation may limit or eliminate the right to
dissent and obtain payment for any class or series of preferred shares. However, any limitation or elimination contained in an amendment to the articles of incorporation that limits or eliminates the right to dissent and obtain payment for any
shares: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:8%; font-size:10pt; font-family:Times New Roman">(1) that are outstanding immediately before the effective date of the amendment; or </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:8%; font-size:10pt; font-family:Times New Roman">(2) that the corporation is or may be required to issue or sell after the effective date of the amendment under any exchange or other right
existing immediately before the effective date of the amendment; </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">does not apply to any corporate action that becomes effective within one
(1)&nbsp;year of the effective date of the amendment if the action would otherwise afford the right to dissent and obtain payment. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">(d) A
shareholder: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:8%; font-size:10pt; font-family:Times New Roman">(1) who is entitled to dissent and obtain payment for the shareholder&#146;s shares under this chapter; or </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:8%; font-size:10pt; font-family:Times New Roman">(2) who would be so entitled to dissent and obtain payment but for the provisions of subsection (b); </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">may not challenge the corporate action creating (or that, but for the provisions of subsection (b), would have created) the shareholder&#146;s
entitlement. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">(e) Subsection (d)&nbsp;does not apply to a corporate action that was approved by less than unanimous consent of the voting
shareholders under IC 23-1-29-4.5(b) if both of the following apply: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:8%; font-size:10pt; font-family:Times New Roman">(1) The challenge to the corporate action is brought by a shareholder
who did not consent and as to whom notice of the approval of the corporate action was not effective at least ten (10)&nbsp;days before the corporate action was effected. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:8%; font-size:10pt; font-family:Times New Roman">(2) The proceeding challenging the corporate action is commenced not later than ten (10)&nbsp;days after notice of the approval of the
corporate action is effective as to the shareholder brining the proceeding. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>&#167; 23-1-44-9. Dissenters&#146; rights of beneficial shareholder.
</B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">(a) A record shareholder may assert dissenters&#146; rights as to fewer than all the shares registered in the shareholder&#146;s name
only if the shareholder dissents with respect to all shares beneficially owned by any one (1)&nbsp;person and notifies the corporation in writing of the name and address of each person on whose behalf the shareholder asserts dissenters&#146; rights.
The rights of a partial dissenter under this subsection are determined as if the shares as to which the shareholder dissents and the shareholder&#146;s other shares were registered in the names of different shareholders. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">(b) A beneficial shareholder may assert dissenters&#146; rights as to shares held on the shareholder&#146;s behalf only if: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:8%; font-size:10pt; font-family:Times New Roman">(1) the beneficial shareholder submits to the corporation the record shareholder&#146;s written consent to the dissent not later than the time
the beneficial shareholder asserts dissenters&#146; rights; and </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:8%; font-size:10pt; font-family:Times New Roman">(2) the beneficial shareholder does so with respect to all the beneficial
shareholder&#146;s shares or those shares over which the beneficial shareholder has power to direct the vote. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>&#167; 23-1-44-10. Proposed action
creating dissenters&#146; rights; notice. </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">(a) If proposed corporate action creating dissenters&#146; rights under section 8 of this
chapter is submitted to a vote at a shareholders&#146; meeting, the meeting notice must state that shareholders are or may be entitled to assert dissenters&#146; rights under this chapter. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">(b) If corporate action creating dissenters&#146; rights under section 8 of this chapter is taken without a vote of shareholders, the
corporation shall notify in writing all shareholders entitled to assert dissenters&#146; rights that the action was taken and send them the dissenters&#146; notice described in section 12 of this chapter. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">E-2 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>&#167; 23-1-44-11. Proposed action creating dissenters&#146; rights; assertion of dissenters&#146; rights.
</B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">(a) If proposed corporate action creating dissenters&#146; rights under section 8 of this chapter is submitted to a vote at a
shareholders&#146; meeting, a shareholder who wishes to assert dissenters&#146; rights: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:8%; font-size:10pt; font-family:Times New Roman">(1) must deliver to the corporation before the
vote is taken written notice of the shareholder&#146;s intent to demand payment for the shareholder&#146;s shares if the proposed action is effectuated; and </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:8%; font-size:10pt; font-family:Times New Roman">(2) must not vote the shareholder&#146;s shares in favor of the proposed action. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">(b) A shareholder who does not satisfy the requirements of subsection (a)&nbsp;is not entitled to payment for the shareholder&#146;s shares
under this chapter. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>&#167; 23-1-44-12. Dissenters&#146; notice; contents. </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">(a) If proposed corporate action creating dissenters&#146; rights under section 8 of this chapter is authorized at a shareholders&#146;
meeting, the corporation shall deliver a written dissenters&#146; notice to all shareholders who satisfied the requirements of section 11 of this chapter. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">(b) The dissenters&#146; notice must be sent no later than ten (10)&nbsp;days after approval by the shareholders, or if corporate action is
taken without approval by the shareholders, then ten (10)&nbsp;days after the corporate action was taken. The dissenters&#146; notice must: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:8%; font-size:10pt; font-family:Times New Roman">(1) state where the payment demand must be sent and where and when certificates for certificated shares must be deposited; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:8%; font-size:10pt; font-family:Times New Roman">(2) inform holders of uncertificated shares to what extent transfer of the shares will be restricted after the payment demand is received; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:8%; font-size:10pt; font-family:Times New Roman">(3) supply a form for demanding payment that includes the date of the first announcement to news media or to shareholders of the terms of the
proposed corporate action and requires that the person asserting dissenters&#146; rights certify whether or not the person acquired beneficial ownership of the shares before that date; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:8%; font-size:10pt; font-family:Times New Roman">(4) set a date by which the corporation must receive the payment demand, which date may not be fewer than thirty (30)&nbsp;nor more than sixty
(60)&nbsp;days after the date the subsection (a)&nbsp;notice is delivered; and </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:8%; font-size:10pt; font-family:Times New Roman">(5) be accompanied by a copy of this chapter. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>&#167; 23-1-44-13. Demand for payment and deposit of shares by shareholder. </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">(a) A shareholder sent a dissenters&#146; notice described in IC 23-1-42-11 or in section 12 of this chapter must demand payment, certify
whether the shareholder acquired beneficial ownership of the shares before the date required to be set forth in the dissenter&#146;s notice under section 12(b)(3) of this chapter, and deposit the shareholder&#146;s certificates in accordance with
the terms of the notice. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">(b) The shareholder who demands payment and deposits the shareholder&#146;s shares under subsection
(a)&nbsp;retains all other rights of a shareholder until these rights are cancelled or modified by the taking of the proposed corporate action. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">(c) A shareholder who does not demand payment or deposit the shareholder&#146;s share certificates where required, each by the date set in the
dissenters&#146; notice, is not entitled to payment for the shareholder&#146;s shares under this chapter and is considered, for purposes of this article, to have voted the shareholder&#146;s shares in favor of the proposed corporate action. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>&#167; 23-1-44-14. Uncertificated shares; restriction on transfer; dissenters&#146; rights. </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">(a) The corporation may restrict the transfer of uncertificated shares from the date the demand for their payment is received until the
proposed corporate action is taken or the restrictions released under section 16 of this chapter. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">(b) The person for whom dissenters&#146;
rights are asserted as to uncertificated shares retains all other rights of a shareholder until these rights are cancelled or modified by the taking of the proposed corporate action. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>&#167; 23-1-44-15. Payment to dissenter. </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">(a) Except as provided in section 17 of this chapter, as soon as the proposed corporate action is taken, or, if the transaction did not need
shareholder approval and has been completed, upon receipt of a payment demand, the corporation shall pay each dissenter who complied with section 13 of this chapter the amount the corporation estimates to be the fair value of the dissenter&#146;s
shares. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">(b) The payment must be accompanied by: </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">E-3 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:8%; font-size:10pt; font-family:Times New Roman">(1) the corporation&#146;s balance sheet as of the end of a fiscal year ending not more than
sixteen (16)&nbsp;months before the date of payment, an income statement for that year, a statement of changes in shareholders&#146; equity for that year, and the latest available interim financial statements, if any; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:8%; font-size:10pt; font-family:Times New Roman">(2) a statement of the corporation&#146;s estimate of the fair value of the shares; and </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:8%; font-size:10pt; font-family:Times New Roman">(3) a statement of the dissenter&#146;s right to demand payment under section 18 of this chapter. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>&#167; 23-1-44-16. Failure to take action; return of certificates; new action by corporation. </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">(a) If the corporation does not take the proposed action within sixty (60)&nbsp;days after the date set for demanding payment and depositing
share certificates, the corporation shall return the deposited certificates and release the transfer restrictions imposed on uncertificated shares. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">(b) If after returning deposited certificates and releasing transfer restrictions, the corporation takes the proposed action, it must send a
new dissenters&#146; notice under section 12 of this chapter and repeat the payment demand procedure. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>&#167; 23-1-44-17. Withholding payment by
corporation; corporation&#146;s estimate of fair value; after-acquired shares. </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">(a) A corporation may elect to withhold payment
required by section 15 of this chapter from a dissenter unless the dissenter was the beneficial owner of the shares before the date set forth in the dissenters&#146; notice as the date of the first announcement to news media or to shareholders of
the terms of the proposed corporate action. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">(b) To the extent the corporation elects to withhold payment under subsection (a), after
taking the proposed corporate action, it shall estimate the fair value of the shares and shall pay this amount to each dissenter who agrees to accept it in full satisfaction of the dissenter&#146;s demand. The corporation shall send with its offer a
statement of its estimate of the fair value of the shares and a statement of the dissenter&#146;s right to demand payment under section 18 of this chapter. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>&#167; 23-1-44-18. Dissenters&#146; estimate of fair value; demand for payment; waiver. </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">(a) A dissenter may notify the corporation in writing of the dissenter&#146;s own estimate of the fair value of the dissenter&#146;s shares and
demand payment of the dissenter&#146;s estimate (less any payment under section 15 of this chapter), or reject the corporation&#146;s offer under section 17 of this chapter and demand payment of the fair value of the dissenter&#146;s shares, if:
</P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:8%; font-size:10pt; font-family:Times New Roman">(1) the dissenter believes that the amount paid under section 15 of this chapter or offered under section 17 of this chapter is less than
the fair value of the dissenter&#146;s shares; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:8%; font-size:10pt; font-family:Times New Roman">(2) the corporation fails to make payment under section 15 of this chapter within sixty
(60)&nbsp;days after the date set for demanding payment; or </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:8%; font-size:10pt; font-family:Times New Roman">(3) the corporation, having failed to take the proposed action, does not
return the deposited certificates or release the transfer restrictions imposed on uncertificated shares within sixty (60)&nbsp;days after the date set for demanding payment. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">(b) A dissenter waives the right to demand payment under this section unless the dissenter notifies the corporation of the dissenter&#146;s
demand in writing under subsection (a)&nbsp;within thirty (30)&nbsp;days after the corporation made or offered payment for the dissenter&#146;s shares. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>&#167; 23-1-44-19. Court proceeding to determine fair value; judicial appraisal. </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">(a) If a demand for payment under IC 23-1-42-11 or under section 18 of this chapter remains unsettled, the corporation shall commence a
proceeding within sixty (60)&nbsp;days after receiving the payment demand and petition the court to determine the fair value of the shares. If the corporation does not commence the proceeding within the sixty (60)&nbsp;day period, it shall pay each
dissenter whose demand remains unsettled the amount demanded. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">(b) The corporation shall commence the proceeding in the circuit or superior
court of the county where a corporation&#146;s principal office (or, if none in Indiana, its registered office) is located. If the corporation is a foreign corporation without a registered office in Indiana, it shall commence the proceeding in the
county in Indiana where the registered office of the domestic corporation merged with or whose shares were acquired by the foreign corporation was located. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">(c) The corporation shall make all dissenters (whether or not residents of this state) whose demands remain unsettled parties to the proceeding
as in an action against their shares and all parties must be served with a copy of the petition. Nonresidents may be served by registered or certified mail or by publication as provided by law. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">(d) The jurisdiction of the court in which the proceeding is commenced under subsection (b)&nbsp;is plenary and exclusive. The court may
appoint one (1)&nbsp;or more persons as appraisers to receive evidence and recommend decision on the </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">E-4 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">
question of fair value. The appraisers have the powers described in the order appointing them or in any amendment to it. The dissenters are entitled to the same discovery rights as parties in
other civil proceedings. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">(e) Each dissenter made a party to the proceeding is entitled to judgment: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:8%; font-size:10pt; font-family:Times New Roman">(1) for the amount, if any, by which the court finds the fair value of the dissenter&#146;s shares, plus interest, exceeds the amount paid by
the corporation; or </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:8%; font-size:10pt; font-family:Times New Roman">(2) for the fair value, plus accrued interest, of the dissenter&#146;s after-acquired shares for which the corporation
elected to withhold payment under section 17 of this chapter. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>&#167; 23-1-44-20. Costs; fees; attorneys&#146; fees. </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">(a) The court in an appraisal proceeding commenced under section 19 of this chapter shall determine all costs of the proceeding, including the
reasonable compensation and expenses of appraisers appointed by the court. The court shall assess the costs against such parties and in such amounts as the court finds equitable. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">(b) The court may also assess the fees and expenses of counsel and experts for the respective parties, in amounts the court finds equitable:
</P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:8%; font-size:10pt; font-family:Times New Roman">(1) against the corporation and in favor of any or all dissenters if the court finds the corporation did not substantially comply with the
requirements of sections 10 through 18 of this chapter; or </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:8%; font-size:10pt; font-family:Times New Roman">(2) against either the corporation or a dissenter, in favor of any other party,
if the court finds that the party against whom the fees and expenses are assessed acted arbitrarily, vexatiously, or not in good faith with respect to the rights provided by this chapter. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">(c) If the court finds that the services of counsel for any dissenter were of substantial benefit to other dissenters similarly situated and
that the fees for those services should not be assessed against the corporation, the court may award to these counsel reasonable fees to be paid out of the amounts awarded the dissenters who were benefited. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">E-5 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>PART II </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>INFORMATION NOT REQUIRED IN PROSPECTUS </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Item&nbsp;20. Indemnification of Directors and Officers. </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Horizon Bancorp is an Indiana corporation. Horizon&#146;s officers and directors (and those who have agreed to such positions) are entitled to
be indemnified under Indiana law and our Articles of Incorporation against certain liabilities and expenses. Chapter 37 of The Indiana Business Company Law (the &#147;IBCL&#148;) requires a corporation, unless its articles of incorporation provide
otherwise, to indemnify a director or an officer of the corporation who is wholly successful, on the merits or otherwise, in the defense of any threatened, pending or completed action, suit or proceeding, whether civil, criminal, administrative or
investigative and whether formal or informal, against reasonable expenses, including counsel fees, incurred in connection with the proceeding. The IBCL also permits a corporation to indemnify a director or an officer who is made a party to a
proceeding because the individual was a director or an officer of the corporation against liability incurred in the proceeding if the individual&#146;s conduct was in good faith and the individual reasonably believed, in the case of conduct in the
individual&#146;s official capacity with the corporation, that the conduct was in the corporation&#146;s best interests, and in all other cases, that the individual&#146;s conduct was at least not opposed to the corporation&#146;s best interests. In
a criminal proceeding, the individual must also either have had reasonable cause to believe the individual&#146;s conduct was lawful or no reasonable cause to believe the individual&#146;s conduct was unlawful. The IBCL also permits a corporation to
pay for or reimburse reasonable expenses incurred before the final disposition of a proceeding and permits a court of competent jurisdiction to order a corporation to indemnify a director or officer if the court determines that the person is fairly
and reasonably entitled to indemnification in view of all the relevant circumstances, whether or not the person met the standards for indemnification otherwise provided in the IBCL. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Horizon&#146;s Articles of Incorporation provide for mandatory indemnification of officers and directors (and those who have agreed to such
positions) if they are wholly successful on the merits of a proceeding and satisfy the standards of conduct specified by the IBCL set forth in the preceding paragraph. The Articles of Incorporation also provide that any director or officer of
Horizon or any person who is serving at the request of Horizon as a director or officer of another entity shall be indemnified and held harmless by Horizon to the same extent as Horizon&#146;s directors and officers. In any proceeding, an officer or
director is entitled to be indemnified against all liabilities and expenses related to the proceeding including attorneys&#146; fees, judgments, fines, penalties and amounts paid or to be paid in settlement. Horizon&#146;s Articles of Incorporation
also provide such persons with certain rights to be paid or reimbursed for expenses incurred in defending any such proceeding in advance of the final disposition. The Articles of Incorporation also provide that Horizon has the discretion to
indemnify employees and agents to the same extent, and on the same basis, as it is required to indemnify its officers and directors. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The
Articles of Incorporation also authorize Horizon to maintain insurance to protect itself and any director, officer, employee or agent of Horizon against expense, liability or loss, whether or not Horizon would have the power to indemnify such person
against such expense, liability or loss under the IBCL or pursuant to its Articles of Incorporation. Horizon currently maintains such insurance. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">II-1 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Item&nbsp;21. Exhibits and Financial Statement Schedules. </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) Exhibits </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">The following
exhibits are filed with this Registration Statement: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="95%"></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">&nbsp;&nbsp;2.1</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Agreement and Plan of Merger dated February&nbsp;18, 2015 between Horizon Bancorp and Peoples Bancorp (included as Appendix A to this joint proxy statement/prospectus).</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">&nbsp;&nbsp;3.1</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Articles of Incorporation of Horizon Bancorp (incorporated by reference to Exhibit 3.1 of Horizon&#146;s Quarterly Report on Form 10-Q for the quarter ended September 30, 2011).</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">&nbsp;&nbsp;3.2</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Amended and Restated Bylaws of Horizon Bancorp (incorporated by reference to Exhibit 3.1 of Horizon&#146;s Current Report on Form 8-K filed with the Securities and Exchange Commission on April 18, 2013).</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">&nbsp;&nbsp;3.3</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Amendment to the Amended and Restated Bylaws of Horizon Bancorp (incorporated by reference to Exhibit 3.1 of Horizon&#146;s Current Report on Form 8-K filed with the Securities and Exchange Commission on March 20, 2015).</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">&nbsp;&nbsp;5.1</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Opinion of Barnes &amp; Thornburg LLP regarding legality of the securities being registered.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">&nbsp;&nbsp;8.1</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Opinion of Barnes &amp; Thornburg LLP regarding tax matters.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">10.1</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Voting Agreement dated February 18, 2015 (incorporated by reference to Exhibit 10.1 of Horizon&#146;s Current Report on Form 8-K filed with the Securities and Exchange commission on February 19, 2015).</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">21.1</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Subsidiaries of Horizon Bancorp (incorporated by reference to Exhibit 21 of Horizon&#146;s Annual Report on Form 10-K for the year ended December 31, 2014).</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">23.1</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Consent of BKD LLP (with respect to Horizon Bancorp).</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">23.2</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Consent of BKD LLP (with respect to Peoples Bancorp).</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">23.3</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Consent of Barnes &amp; Thornburg LLP (included in Exhibits 5.1 and 8.1).</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">24</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Powers of Attorney.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">99.1</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Form of Horizon Bancorp proxy card.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">99.2</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Form of Peoples Bancorp proxy card.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">99.3</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Consent of Keefe, Bruyette &amp; Woods, Inc.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">99.4</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Consent of Patrick Capital Markets, LLC.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">99.5</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Consent of Cummings &amp; Co., LLC.</TD></TR>
</TABLE> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Item&nbsp;22. Undertakings. </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The undersigned registrant hereby undertakes: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) To file, during any period in which offers or sales are being made, a post-effective amendment to this registration statement: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:8%; font-size:10pt; font-family:Times New Roman">(1) To include any prospectus required by Section&nbsp;10(a)(3) of the Securities Act of 1933. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:8%; font-size:10pt; font-family:Times New Roman">(2) To reflect in the prospectus any facts or events arising after the effective date of the registration statement (or the most recent
post-effective amendment thereof) which, individually or in the aggregate, represent a fundamental change in the information set forth in the registration statement. Notwithstanding the foregoing, any increase or decrease in volume of securities
offered (if the total dollar value of securities offered would not exceed that which was registered) and any deviation from the low or high end of the estimated maximum </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">II-2 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:8%; font-size:10pt; font-family:Times New Roman">
offering range may be reflected in the form of prospectus filed with the Commission pursuant to Rule 424(b) if, in the aggregate, the changes in volume and price represent no more than a 20
percent change in the maximum aggregate offering price set forth in the &#147;Calculation of Registration Fee&#148; table in the effective registration statement. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:8%; font-size:10pt; font-family:Times New Roman">(3) To include any material information with respect to the plan of distribution not previously disclosed in the registration statement or any
material change to such information in the registration statement. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I></I>(b) That, for the purpose of determining any liability under the
Securities Act of 1933, each such post-effective amendment shall be deemed to be a new registration statement relating to the securities offered therein, and the offering of such securities at that time shall be deemed to be the initial <I>bona
fide</I> offering thereof. <I> </I></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) To remove from registration by means of a post-effective amendment any of the securities being
registered which remain unsold at the termination of the offering. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I></I>(d) For purposes of determining any liability under the
Securities Act of 1933, each filing of the registrant&#146;s annual report pursuant to Section&nbsp;13(a) or Section&nbsp;15(d) of the Securities Exchange Act of 1934 (and, where applicable, each filing of an employee benefit plan&#146;s annual
report pursuant to Section&nbsp;15(d) of the Exchange Act) that is incorporated by reference in the registration statement shall be deemed to be a new registration statement relating to the securities offered therein, and the offering of such
securities at that time shall be deemed to be the initial <I>bona fide</I> offering thereof. <I> </I></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) To deliver or cause to be
delivered with the prospectus, to each person to whom the prospectus is sent or given, the latest annual report to security holders that is incorporated by reference in the prospectus and furnished pursuant to and meeting the requirements of
Rule&nbsp;14a-3 or Rule&nbsp;14c-3 under the Securities Exchange Act of 1934; and, where interim financial information required to be presented by Article&nbsp;3 of Regulation&nbsp;S-X are not set forth in the prospectus, to deliver, or cause to be
delivered to each person to whom the prospectus is sent or given, the latest quarterly report that is specifically incorporated by reference in the prospectus to provide such interim financial information. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f) That prior to any public reoffering of the securities registered hereunder through use of a prospectus which is a part of this registration
statement, by any person or party who is deemed to be an underwriter within the meaning of Rule 145(c), the issuer undertakes that such reoffering prospectus will contain the information called for by the applicable registration form with respect to
reofferings by persons who may be deemed underwriters, in addition to the information called for by the other items of the applicable form. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I></I>(g) That every prospectus (1)&nbsp;that is filed pursuant to paragraph (f)&nbsp;immediately preceding, or (2)&nbsp;that purports to meet
the requirements of Section&nbsp;10(a)(3) of the Securities Act of 1933 and is used in connection with an offering of securities subject to Rule 415, will be filed as a part of an amendment to the registration statement and will not be used until
such amendment is effective, and that, for purposes of determining any liability under the Securities Act of 1933, each such post-effective amendment shall be deemed to be a new registration statement relating to the securities offered therein, and
the offering of such securities at that time shall be deemed to be the initial <I>bona fide</I> offering thereof. <I> </I></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(h) Insofar as
indemnification for liabilities arising under the Securities Act of 1933 may be permitted to directors, officers and controlling persons of the registrant pursuant to the provisions described in Item&nbsp;20 above, or otherwise, the registrant has
been advised that in the opinion of the Securities and Exchange Commission such indemnification is against public policy as expressed in the Securities Act of 1933 and is, therefore, unenforceable. In the event that a claim for indemnification
against such liabilities (other than the payment by the registrant of expenses incurred or paid by a director, officer or controlling person of the registrant in the successful defense of any action, suit or proceeding) is asserted by such director,
officer or controlling person in connection with the securities being registered, the registrant will, unless in the opinion of its counsel the matter has been settled by controlling precedent, submit to a court of appropriate jurisdiction the
question of whether such indemnification by it is against public policy as expressed in the Securities Act of 1933 and will be governed by the final adjudication of such issue. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) To respond to requests for information that is incorporated by reference into the prospectus pursuant to Items&nbsp;4, 10(b), 11, or 13 of
this form, within one business day of receipt of such request, and to send the incorporated documents by first class mail or other equally prompt means. This includes information contained in documents filed subsequent to the effective date of the
registration statement through the date of responding to the request. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(j) To supply by means of a post-effective amendment all information
concerning a transaction, and the company being acquired involved therein, that was not the subject of and included in the registration statement when it became effective. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">II-3 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>SIGNATURES </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Pursuant to the requirements of the Securities Act, the registrant has duly caused this registration statement to be signed on its behalf by
the undersigned, thereunto duly authorized, in the City of Michigan City, State of Indiana, on May 5, 2015. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>
<TD WIDTH="6%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="92%"></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">Horizon Bancorp</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Craig M. Dwight</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Craig M. Dwight</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">President and Chief Executive Officer</TD></TR>
</TABLE></DIV> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Pursuant to the requirements of the Securities Act of 1933, this registration statement has been signed
by the following persons in the capacities indicated and on the dates indicated. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>
<TD WIDTH="37%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="44%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="15%"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>SIGNATURE</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>TITLE(S)</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>DATE</B></P></TD></TR>


<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Craig M. Dwight</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">President, Chief Executive Officer (Principal Executive Officer) and Chairman of the Board of Directors</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center">May 5, 2015</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">Craig M. Dwight</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Mark E. Secor</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Chief Financial Officer (Principal Financial Officer and Principal Accounting Officer)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center">May&nbsp;5,&nbsp;2015</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">Mark E. Secor</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Susan D. Aaron</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Director</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center">May 5, 2015</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">Susan D. Aaron</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Lawrence E. Burnell</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Director</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center">May 5, 2015</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">Lawrence E. Burnell</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ James B. Dworkin</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Director</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center">May 5, 2015</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">James B. Dworkin</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Charley E. Gillispie</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Director</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center">May 5, 2015</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">Charley E. Gillispie</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Daniel F. Hopp</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Director</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center">May 5, 2015</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">Daniel F. Hopp</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Larry N. Middleton</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Director</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center">May 5, 2015</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">Larry N. Middleton</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Peter L. Pairitz</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Director</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center">May 5, 2015</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">Peter L. Pairitz</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Steven W. Reed</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Director</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center">May 5, 2015</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">Steven W. Reed</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Robert E. Swinehart</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Director</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center">May 5, 2015</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">Robert E. Swinehart</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Spero W. Valavanis</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Director</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center">May 5, 2015</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">Spero W. Valavanis</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">II-4 </P>


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

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>EXHIBIT INDEX </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="94%"></TD></TR>


<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;2.1</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Agreement and Plan of Merger dated February&nbsp;18, 2015 between Horizon Bancorp and Peoples Bancorp (included as Appendix A to this joint proxy statement/prospectus).</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;3.1</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Articles of Incorporation of Horizon Bancorp (incorporated by reference to Exhibit 3.1 of Horizon&#146;s Quarterly Report on Form 10-Q for the quarter ended September 30, 2011).</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;3.2</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Amended and Restated Bylaws of Horizon Bancorp (incorporated by reference to Exhibit 3.1 of Horizon&#146;s Current Report on Form 8-K filed with the Securities and Exchange Commission on April 18, 2013).</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;3.3</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Amendment to the Amended and Restated Bylaws of Horizon Bancorp (incorporated by reference to Exhibit 3.1 of Horizon&#146;s Current Report on Form 8-K filed with the Securities and Exchange Commission on March 20, 2015).</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;5.1</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Opinion of Barnes &amp; Thornburg LLP regarding legality of the securities being registered.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;8.1</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Opinion of Barnes &amp; Thornburg LLP regarding tax matters.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>10.1</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Voting Agreement dated February 18, 2015 (incorporated by reference to Exhibit 10.1 of Horizon&#146;s Current Report on Form 8-K filed with the Securities and Exchange commission on February 19, 2015).</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>21.1</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Subsidiaries of Horizon Bancorp (incorporated by reference to Exhibit 21 of Horizon&#146;s Annual Report on Form 10-K for the year ended December 31, 2014).</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>23.1</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Consent of BKD LLP (with respect to Horizon Bancorp).</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>23.2</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Consent of BKD LLP (with respect to Peoples Bancorp).</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>23.3</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Consent of Barnes &amp; Thornburg LLP (included in Exhibits 5.1 and 8.1).</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>24</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Powers of Attorney.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>99.1</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Form of Horizon Bancorp proxy card.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>99.2</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Form of Peoples Bancorp proxy card.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>99.3</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Consent of Keefe, Bruyette &amp; Woods, Inc.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>99.4</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Consent of Patrick Capital Markets, LLC.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>99.5</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Consent of Cummings &amp; Co., LLC.</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">II-5 </P>

</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-5.1
<SEQUENCE>2
<FILENAME>d915197dex51.htm
<DESCRIPTION>EX-5.1
<TEXT>
<HTML><HEAD>
<TITLE>EX-5.1</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit 5.1 </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="69%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="29%"></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">


<IMG SRC="g915197dsp359.jpg" ALT="LOGO">
</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">11 South Meridian Street</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Indianapolis, IN
46204-3535 U.S.A.</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(317)&nbsp;236-1313</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Fax
(317)&nbsp;231-7433</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">www.btlaw.com</P></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:54%; text-indent:-2%; font-size:10pt; font-family:Times New Roman">May&nbsp;5, 2015 </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Horizon Bancorp </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">515 Franklin Square </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Michigan City, Indiana 46360 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Ladies and Gentlemen: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">We have acted as counsel for H<SMALL>ORIZON</SMALL> B<SMALL>ANCORP</SMALL>, an Indiana corporation (&#147;<B>Horizon</B>&#148;), in connection
with the Agreement and Plan of Merger, dated February&nbsp;18, 2015 (the &#147;<B>Agreement</B>&#148;), between Horizon and P<SMALL>EOPLES</SMALL> B<SMALL>ANCORP</SMALL>, an Indiana corporation (&#147;<B>Peoples</B>&#148;). You have requested our
opinion in connection with the Registration Statement on Form S-4 (the &#147;<B>Registration Statement</B>&#148;) to be filed by Horizon with respect to the issuance of up to 2,196,265 shares of Horizon common stock (the &#147;<B>Shares</B>&#148;)
in connection with the merger of Peoples with and into Horizon. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">We have examined such records and documents and have made such
investigation of law as we have deemed necessary in the circumstances. Based on that examination and investigation, it is our opinion that the Shares are duly authorized and will be, when sold in the manner described in the Registration Statement
(including all Exhibits thereto) and in compliance with the Securities Act of 1933, as amended (the &#147;<B>Securities Act</B>&#148;), and applicable state blue sky laws, validly issued, fully paid and
<FONT STYLE="white-space:nowrap">non-assessable.</FONT> </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The foregoing opinion is limited to the application of the internal laws of the
State of Indiana and applicable federal law, and no opinion is expressed herein as to any matter governed by the laws of any other jurisdiction. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">We consent to the use of our name under the captions &#147;Summary&#150;Conditions to the Merger,&#148; &#147;The Agreement&#150;Conditions of
the Merger&#148; and &#147;Legal Matters&#148; in the Prospectus included in the Registration Statement and to the filing of this opinion as Exhibit 5 to the Registration Statement. In giving this consent, we do not thereby admit that we come within
the category of persons whose consent is required under Section&nbsp;7 of the Securities Act or the rules and regulations of the Securities and Exchange Commission. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This opinion is furnished by us in accordance with the requirement of Item&nbsp;601(b)(5) of SEC Regulation S-K and, except as provided in the
immediately preceding paragraphs, is not to be used, circulated or quoted for any other purpose or otherwise referred to or relied upon by any other person without our express written permission. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:54%; text-indent:-2%; font-size:10pt; font-family:Times New Roman">Very truly yours, </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:54%; text-indent:-2%; font-size:10pt; font-family:Times New Roman">/s/ Barnes&nbsp;&amp; Thornburg LLP </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:54%; text-indent:-2%; font-size:10pt; font-family:Times New Roman">B<SMALL>ARNES</SMALL>&nbsp;&amp; T<SMALL>HORNBURG</SMALL> LLP </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Atlanta &nbsp;&nbsp;&nbsp;&nbsp;Chicago &nbsp;&nbsp;&nbsp;&nbsp;Delaware &nbsp;&nbsp;&nbsp;&nbsp;Indiana &nbsp;&nbsp;&nbsp;&nbsp;Los Angeles
&nbsp;&nbsp;&nbsp;&nbsp;Michigan &nbsp;&nbsp;&nbsp;&nbsp;Minneapolis &nbsp;&nbsp;&nbsp;&nbsp;Ohio &nbsp;&nbsp;&nbsp;&nbsp;Washington, &nbsp;&nbsp;&nbsp;&nbsp;D.C. </P>
</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-8.1
<SEQUENCE>3
<FILENAME>d915197dex81.htm
<DESCRIPTION>EX-8.1
<TEXT>
<HTML><HEAD>
<TITLE>EX-8.1</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit 8.1 </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="73%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="25%"></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">


<IMG SRC="g915197dsp359.jpg" ALT="LOGO">
</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">11 S. Meridian Street</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Indianapolis, IN
46204-3535</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">317-236-1313</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">317-231-7433 (Fax)</P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">www.btlaw.com</P></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:56%; font-size:10pt; font-family:Times New Roman" ALIGN="center">May&nbsp;5, 2015 </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Peoples Bancorp </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">212 W. 7th Street, </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Auburn, Indiana 46706 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Horizon Bancorp </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">515 Franklin Street </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Michigan City, IN 46360 </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Ladies and Gentlemen: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In connection with the
proposed merger (the &#147;<B>Merger</B>&#148;) of Peoples Bancorp, a corporation organized under the laws of the State of Indiana (&#147;<B>Peoples</B>&#148;), into Horizon Bancorp, a corporation organized under the laws of the State of Indiana
(&#147;<B>Horizon</B>&#148;), pursuant to an Agreement and Plan of Merger dated as of February&nbsp;18, 2015, by and between Horizon and Peoples (the &#147;<B>Merger Agreement</B>&#148;), we have been asked by Peoples to render our opinion with
respect to certain Federal income tax consequences of the Merger. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In rendering such opinion, we have assumed with your consent that
(i)&nbsp;the Merger will be effected in accordance with the Merger Agreement; (ii)&nbsp;the Merger will qualify as a statutory merger under Indiana state law; (iii)&nbsp;the relevant factual statements concerning the Merger set forth in the Merger
Agreement are true, complete and correct as of the date hereof and at the Effective Time; and (iv)&nbsp;the factual representations made by the parties in the Merger Agreement and in their respective officers certificates delivered to us for
purposes of this opinion, which are hereby incorporated by reference are true, complete and correct as of the date hereof and will remain so at the Effective Time. We have also assumed that the parties have complied with and, if applicable, will
continue to comply with, the terms and conditions of the Merger Agreement. Capitalized terms used, but not defined herein, shall have the meanings ascribed to them in the Merger Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Our opinion is based solely upon the Internal Revenue Code of 1986, as amended (the &#147;<B>Code</B>&#148;), the regulations, rulings and
judicial decisions thereunder, all as in effect on the date hereof, and the factual information contained in the above-mentioned documents. In rendering our opinion, we have assumed the accuracy of all information contained in each of such
documents. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">We understand that pursuant to the Merger Agreement, upon consummation of the Merger, each share of Peoples common stock,
$1.00 par value per share (&#147;<B>Peoples Common Stock</B>&#148;) will be converted into the right to receive $9.75 in cash and 0.95 shares of Horizon common stock (the &#147;<B>Horizon Common Stock</B>&#148;) (plus cash in lieu of fractional
shares); </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Atlanta &nbsp;&nbsp;&nbsp;&nbsp;Chicago &nbsp;&nbsp;&nbsp;&nbsp;Delaware &nbsp;&nbsp;&nbsp;&nbsp;Indiana
&nbsp;&nbsp;&nbsp;&nbsp;Los Angeles &nbsp;&nbsp;&nbsp;&nbsp;Michigan &nbsp;&nbsp;&nbsp;&nbsp;Minneapolis &nbsp;&nbsp;&nbsp;&nbsp;Ohio &nbsp;&nbsp;&nbsp;&nbsp;Washington, &nbsp;&nbsp;&nbsp;&nbsp;D.C. </P>

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


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Peoples Bancorp </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Horizon Bancorp </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">May&nbsp;5, 2015 </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"> Page
 2
 </P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I>provided, however</I>, that Peoples shareholders who own fewer than 100 shares of Peoples
common stock will be entitled to receive $33.14 in cash and will not be entitled to receive any shares of Horizon common stock. Peoples shareholders who comply with the requirements of Indiana law for dissenting shareholders will be entitled to
receive cash in payment for their shares of Peoples Common Stock. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Barnes&nbsp;&amp; Thornburg LLP has assumed, for purposes of its
opinion, that Peoples will not proceed with the Merger if, at the Effective Time, the value of the Horizon Common Stock received by the Peoples shareholders in the Merger is less than 40% of the total consideration received by the Peoples
shareholders. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Barnes&nbsp;&amp; Thornburg LLP has assumed, for purposes of its opinion, that at the Effective Time, Peoples will merge
into Horizon and shortly thereafter or simultaneously therewith, Peoples Federal Savings Bank of DeKalb County (&#147;<B>PFSB</B>&#148;), a wholly-owned subsidiary of Peoples, will merge into Horizon Bank, N.A. (&#147;<B>Horizon Bank</B>&#148;), a
wholly-owned subsidiary of Horizon. Based upon the foregoing, our opinion is as follows: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><U>Tax-free Reorganization</U>. Based on the
above assumptions, the Merger will constitute a tax-free reorganization for Federal income tax purposes within the meaning of Section&nbsp;368(a) of the Code, meaning that none of Peoples, Horizon, PFSB and/or Horizon Bank, will recognize any gain
or loss with respect to the Merger, provided that the continuity of interest requirement is met, as discussed below. Sections 361 and 1032 of the Code. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The continuity of interest of the shareholders of Peoples before the Merger must be preserved in connection with the Merger. The continuity of
interest (&#147;COI&#148;) requirement &#147;requires that in substance a substantial part of the value of the proprietary interests in the target corporation be preserved in the reorganization.&#148; Treas. Reg. &#167;1.368-1(e)(1)(i). Pursuant to
the Merger Agreement, the continuing interest transferred to the Peoples shareholders is in the form of Horizon common stock. The Horizon Common Stock must also represent a substantial part of the total consideration transferred and the Peoples
shareholders must retain a definite and material interest in the property transferred. The United States Supreme Court has held that the COI requirement was met where continuing equity interest that was transferred was as low as 38%. <I>Nelson v.
Helvering, </I>296 U.S. 374 (1935). At least one other court has held that the COI requirement was satisfied where the continuing equity interest that was transferred was as low as 25%. <I>Miller v. Comm&#146;r</I>, 84 F.2d 415 (6<SUP
STYLE="font-size:85%; vertical-align:top">th</SUP> Cir. 1936). In addition, Treasury Regulations provide examples in which transactions intended to be treated as a reorganization under Code Section&nbsp;368(a) and in which 40% of the aggregate
consideration provided to the target shareholders was in the form of stock of the acquiring corporation was sufficient to satisfy the COI requirement. Treas. Reg. &#167; 1.368-1(e)(2)(v). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Based on the Horizon stock price as of February&nbsp;17, 2015 ($23.12), the continuity of interest requirement is satisfied because the
approximate value of the Horizon stock required to be given in the Merger (2,196,265.10 shares) as of February&nbsp;17, 2015 (fair market value of $50,777,649.11) is greater than the 40% threshold ($24,043,323.20). Since a 40% continuity level will
exceed these judicially accepted figures, assuming no Peoples shareholders dissent to the Merger, it is the opinion of Barnes&nbsp;&amp; Thornburg LLP that the continuity of interest </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt;margin-bottom:0pt">


<IMG SRC="g915197dsp361.jpg" ALT="LOGO">
 </P>


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


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Peoples Bancorp </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Horizon Bancorp </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">May&nbsp;5, 2015 </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"> Page
 3
 </P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
requirement will be met in the Merger, if consummated pursuant to the assumptions referred to above, because the Peoples shareholders in the aggregate will receive Horizon Common Stock whose
value is not less than 40% of the value of the total consideration received by the Peoples shareholders for their Peoples Common Stock. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><U>Exchange of Peoples Common Stock for Horizon Common Stock and Cash</U>. As of the Effective Time, a Peoples shareholder who receives a
combination of Horizon Common Stock and cash pursuant to the Merger will not recognize gain or loss to the extent that such Peoples shareholder receives Horizon Common Stock as consideration, but such Peoples shareholder will recognize gain (if any)
in an amount not in excess of the amount of cash received. Section&nbsp;354 of the Code. Any recognized gain (limited, again, by the amount of cash received) will be eligible for capital gain treatment (assuming the Peoples shareholder&#146;s shares
of Peoples common stock are held as a capital asset by the Peoples shareholder) unless such receipt of cash has the effect of a distribution of a dividend, as provided in Section&nbsp;356 of the Code, in which case such gain will be taxable as
either ordinary income or qualified dividend income (as discussed below) to the extent of the Peoples shareholder&#146;s ratable share of Peoples&#146; accumulated earnings and profits. Any capital gain will be long-term capital gain if, as of the
date of the exchange, the shareholder&#146;s holding period for such shares is greater than one year. Any gain treated as qualified dividend income will be taxable to individual Peoples shareholders at the long-term capital gains rate, provided that
the shareholder held the shares giving rise to such income for more than 60 days during the 121 day period beginning 60 days before the closing date. Gain treated as ordinary income will be taxed at ordinary income rates. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The stock redemption provisions of Section&nbsp;302 of the Code, as interpreted by the United States Supreme Court in <I>Clark v.
Commissioner</I>, 489 U.S. 726 (1989), apply in determining whether cash received by a Peoples shareholder pursuant to the Merger has the effect of a dividend under Section&nbsp;356 of the Code. For purposes of determining whether a Peoples
shareholder&#146;s receipt of cash has the effect of a distribution of a dividend, the shareholder will be treated as if he, she, or it first exchanged all of his, her, or its Peoples Common Stock solely in exchange for Horizon Common Stock and then
Horizon immediately redeemed a portion or all of that stock for the cash that the Peoples shareholder actually received in the Merger (referred to herein as the &#147;deemed redemption&#148;). Receipt of cash will generally not have the effect of a
distribution of a dividend to the Peoples shareholder if such receipt is, with respect to the shareholder, &#147;not essentially equivalent to a dividend,&#148; &#147;substantially disproportionate&#148; or a &#147;complete redemption,&#148; each
within the meaning of Section&nbsp;302(b) of the Code. For purposes of applying the foregoing tests, as set forth below, a Peoples shareholder will be deemed to own the stock it actually owns and the stock it constructively owns under the
attribution rules of Section&nbsp;318 of the Code. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The deemed redemption will not be &#147;essentially equivalent to a dividend&#148;
and, therefore, will not have the effect of a distribution of a dividend with respect to a Peoples shareholder if it results in a &#147;meaningful reduction&#148; in the shareholder&#146;s proportionate interest in Horizon. In determining whether
the deemed redemption by Horizon results in a meaningful reduction in the shareholder&#146;s percentage ownership of Horizon Common Stock, and therefore does not have the effect of a distribution of a dividend, a Peoples shareholder should compare
his or her interest in Horizon (including interests owned actually, hypothetically, and constructively) immediately </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt;margin-bottom:0pt">


<IMG SRC="g915197dsp361.jpg" ALT="LOGO">
 </P>


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


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Peoples Bancorp </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Horizon Bancorp </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">May&nbsp;5, 2015 </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"> Page
 4
 </P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
after the Merger (but before the deemed redemption) to his, her, or its interest after the deemed redemption. The Internal Revenue Service (&#147;<B>IRS</B>&#148;) has indicated, in Rev. Rul.
76-385, 1976-2 C.B. 92, that a shareholder in a publicly held corporation whose relative stock interest in the corporation is minimal and who exercises no &#147;control&#148; over corporate affairs is generally treated as having had a meaningful
reduction in his or her stock after a redemption transaction, if his or her percentage stock ownership in the corporation has been reduced to any extent, taking into account the shareholder&#146;s actual and constructive ownership before and after
the deemed redemption. In Rev. Rul. 76-385, the IRS found a reduction from .0001118% to .0001081% to be a meaningful reduction. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The
deemed redemption will be &#147;substantially disproportionate,&#148; and, therefore, will not have the effect of a distribution of a dividend with respect to a Peoples shareholder who owns less than 50% of the voting power of the outstanding
Horizon Common Stock if the percentage of the outstanding Horizon voting (including all classes that carry voting rights) and common stock (both voting and nonvoting) that is actually and constructively owned by the shareholder immediately after the
deemed redemption is reduced to less than 80% of the percentage of the outstanding Horizon Common Stock that is considered to be actually and constructively owned by the shareholder immediately before the deemed redemption. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The deemed redemption will be a &#147;complete redemption,&#148; and, therefore, will not have the effect of a distribution of a dividend with
respect to a Peoples shareholder, if it results in a complete termination of the shareholder&#146;s interest in the outstanding Horizon Common Stock that is considered to be actually and constructively owned by the shareholder immediately before the
deemed redemption. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The aggregate adjusted tax basis of the shares of Horizon Common Stock received in the Merger will be the same as the
aggregate adjusted tax basis of the shares of Peoples Common Stock surrendered in the Merger decreased by the amount of cash received in the Merger and increased by the (i)&nbsp;gain recognized in the Merger, if any, and (ii)&nbsp;recognized loss
disallowed in the Merger, if any, provided the Peoples Common Stock was held as a capital asset as of the Effective Time. Section&nbsp;358 of the Code. The holding period for shares of Horizon Common Stock received by a Peoples shareholder will
include such shareholder&#146;s holding period for the Peoples Common Stock surrendered in exchange for the Horizon common stock, provided that such shares of Peoples Common Stock were held as capital assets of the holder at the effective time of
the merger. Section&nbsp;1223(1) of the Code. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><U>Exchange of Peoples Common Stock Solely for Cash</U>. A Peoples shareholder who receives
solely cash in exchange for all of his, her, or its shares of Peoples Common Stock (and is not treated as constructively owning Horizon Common Stock after the Merger under the circumstances referred to above regarding potential recharacterization of
gain as a dividend) will recognize gain or loss for federal income tax purposes equal to the difference, if any, between the cash received and such shareholder&#146;s aggregate adjusted tax basis in the Peoples Common Stock surrendered in exchange
for the cash. Section&nbsp;356 of the Code. Such gain or loss will be a capital gain or loss, provided that such shares were held as capital assets of the Peoples shareholder at the Effective Time. Section&nbsp;1223(1) of the Code. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt;margin-bottom:0pt">


<IMG SRC="g915197dsp361.jpg" ALT="LOGO">
 </P>


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


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Peoples Bancorp </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Horizon Bancorp </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">May&nbsp;5, 2015 </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"> Page
 5
 </P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><U>Cash in Lieu of Fractional Shares of Horizon Common Stock</U><I>. </I>The payment of cash
in lieu of fractional shares of Horizon Common Stock will be treated as if the fractional shares were issued by Horizon in the Merger and then redeemed by Horizon in a taxable transaction. Rev. Rul. 66-365, 1966-2 C.B. 116. A Peoples shareholder
otherwise entitled to receive the fractional share will recognize gain or loss measured by the difference between the amount of cash received and the shareholder&#146;s basis allocable to the fractional share. Rev. Proc. 77-41, 1977-2 C.B. 574;
Section&nbsp;1001(a) of the Code. Any gain or loss realized on the redemption will be capital gain or loss, provided the fractional share would have constituted a capital asset in the hands of the redeeming shareholder, and will be long-term capital
gain or loss if the holding period of the fractional share (determined by reference to the shares of Peoples Common Stock exchanged therefor) is more than one year. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><U>Information Reporting and Withholding</U>. Payments of cash to a Peoples shareholder surrendering shares of Peoples Common Stock will be
subject to information reporting and &#147;backup&#148; withholding at a rate of 28% of the cash payment to such shareholder, unless such shareholder (1)&nbsp;furnishes his, her, or its taxpayer identification number in the manner prescribed in
applicable Treasury Regulations, (2)&nbsp;certifies that such number is correct, (3)&nbsp;certifies as to no loss of exemption from backup withholding, and (4)&nbsp;meets certain other conditions. Any amounts withheld from payments to a Peoples
shareholder under the backup withholding rules will be allowed as a refund or credit against such shareholder&#146;s United States federal income tax liability, provided the required information is furnished to the IRS. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">* * * * * * * * * * * * </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">We express no opinion
with regard to (1)&nbsp;the federal income tax consequences of the Merger not addressed expressly by this opinion, including without limitation, (i)&nbsp;the tax consequences, if any, to those shareholders of Peoples who acquired shares of Peoples
Common Stock pursuant to the exercise of stock options or otherwise as compensation, and (ii)&nbsp;the tax consequences to special classes of shareholders, if any, including without limitation, foreign persons, financial institutions, insurance
companies, tax-exempt entities, retirement plans, dealers or brokers in securities, and persons that hold Peoples Common Stock as part of a straddle, a hedge against currency risk, a constructive sale or conversion transaction; and (2)&nbsp;federal,
state, local, or foreign taxes (or any other federal, state, local, or foreign laws) not specifically referred to and discussed herein. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The opinions set forth herein are based upon the laws in effect and the facts, representations, and assumptions set forth above that are in
existence on the date of this letter, and we assume no obligation to revise or supplement this letter should the law or facts, or both, change or to the extent that the representations upon which we have relied in rendering this opinion are
inaccurate or to the extent that a party expressly entitled to rely on this opinion has omitted material facts or made material misrepresentations. The opinions expressed herein and concerning essentially factual issues are based on assumptions
concerning future events and transactions. If these events and transactions do not occur, or if other events or transactions do not occur, or if other events or transactions not now contemplated do occur, the federal income tax consequences
expressed herein may be adversely affected. Even if the assumed facts do occur, the IRS and the courts are not bound by this opinion, and there is no assurance that the IRS or a court would sustain such opinions if the matter were litigated on the
merits. The only </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt;margin-bottom:0pt">


<IMG SRC="g915197dsp361.jpg" ALT="LOGO">
 </P>


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


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Peoples Bancorp </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Horizon Bancorp </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">May&nbsp;5, 2015 </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"> Page
 6
 </P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
opinions intended to be provided herein are those which are expressly stated and no opinions by implication are intended or given. We express no opinion with respect to any matter not
specifically addressed by the foregoing opinions, including state or local tax consequences, or any federal, state, or local issue not specifically referred to and discussed above including, without limitation, the effect on the matters covered by
this opinion of the laws of any other jurisdiction. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">[<I>Remainder of page intentionally left blank</I>] </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt;margin-bottom:0pt">


<IMG SRC="g915197dsp361.jpg" ALT="LOGO">
 </P>


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


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Peoples Bancorp </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Horizon Bancorp </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">May&nbsp;5, 2015 </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"> Page
 7
 </P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">We are furnishing this opinion in connection with the filing of the Registration Statement on
Form S-4 filed to register the shares of Horizon Common Stock to be offered to the Peoples shareholders (the &#147;<B>Registration Statement</B>&#148;), and this opinion is not to be relied upon for any other purpose without our prior written
consent. We hereby consent to the filing of this opinion with the Securities and Exchange Commission as an exhibit to the Registration Statement and to the references therein to us. In giving such consent, we do not thereby admit that we are in the
category of persons whose consent is required under Section&nbsp;7 of the Securities Act of 1933, as amended. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:54%; text-indent:-2%; font-size:10pt; font-family:Times New Roman">Very
truly yours, </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:54%; text-indent:-2%; font-size:10pt; font-family:Times New Roman">/s/ Barnes&nbsp;&amp; Thornburg LLP </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:54%; text-indent:-2%; font-size:10pt; font-family:Times New Roman">BARNES&nbsp;&amp; THORNBURG LLP </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt;margin-bottom:0pt">


<IMG SRC="g915197dsp361.jpg" ALT="LOGO">
 </P>

</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-23.1
<SEQUENCE>4
<FILENAME>d915197dex231.htm
<DESCRIPTION>EX-23.1
<TEXT>
<HTML><HEAD>
<TITLE>EX-23.1</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit 23.1 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Consent of Independent Registered Public Accounting Firm </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">We consent to the incorporation by reference in this Registration Statement on Form S-4 of our report dated March&nbsp;13, 2015, on our audits of the
consolidated financial statements and financial statement schedules of Horizon Bancorp as of December&nbsp;31, 2014 and 2013 and for the years ended December&nbsp;31, 2014, 2013 and 2012, which report appears in the Annual Report on Form 10-K. We
also consent to the incorporation by reference of our report dated March&nbsp;13, 2015, on our audit of the internal control over financial reporting of Horizon Bancorp as of December&nbsp;31, 2014, which report is incorporated by reference in the
Annual Report on Form 10-K. We also consent to the references to our firm under the caption &#147;Experts.&#148; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">/s/ <B>BKD,
</B><SMALL>LLP<B></B></SMALL> </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Indianapolis, Indiana </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">May&nbsp;5, 2015 </P>
</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-23.2
<SEQUENCE>5
<FILENAME>d915197dex232.htm
<DESCRIPTION>EX-23.2
<TEXT>
<HTML><HEAD>
<TITLE>EX-23.2</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit 23.2 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Consent of Independent Registered Public Accounting Firm </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">We consent to the use in this Registration Statement of Horizon Bancorp on Form S-4 of our report dated November&nbsp;25, 2014, on our audits of the
consolidated financial statements of Peoples Bancorp as of and for the years ended September&nbsp;30, 2014 and 2013. We also consent to the references to our firm under the caption &#147;Experts&#148;. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B></B>/s/<B> BKD, </B><SMALL>LLP<B></B></SMALL><B> </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Indianapolis, Indiana </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">May&nbsp;5, 2015 </P>
</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-24
<SEQUENCE>6
<FILENAME>d915197dex24.htm
<DESCRIPTION>EX-24
<TEXT>
<HTML><HEAD>
<TITLE>EX-24</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit 24 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Horizon Bancorp </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Limited
Power of Attorney </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The undersigned director of HORIZON BANCORP, an Indiana corporation (the &#147;Company&#148;), does hereby make,
constitute and appoint each of Craig M. Dwight and Mark E. Secor, and each of them with the power to act alone, his or her true and lawful attorney-in-fact and agent, with full power of substitution and resubstitution, for him or her and in his or
her name, place and stead, in any and all capacities, to sign any and all amendments, including pre-effective and post-effective amendments to a Registration Statement or Registration Statements to be filed on Form S-4 or other applicable form, with
all exhibits thereto, and any other documentation in connection therewith, to be filed by said Company with the Securities and Exchange Commission, granting unto said attorneys-in-fact and agents full power and authority to do and perform each and
every act and thing requisite and necessary to be done in and about the premises, as fully to all intents and purposes as he or she might or could do in person, hereby ratifying all that said attorneys-in-fact and agents, or their substitute or
substitutes, may lawfully do or cause to be done by virtue hereof. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">IN WITNESS WHEREOF, the undersigned has executed this Limited Power of
Attorney this 5<SUP STYLE="font-size:85%; vertical-align:top">th</SUP> day of May, 2015. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="47%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="5%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="46%"></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Susan D. Aaron</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Larry N. Middleton</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Susan D. Aaron</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Larry N. Middleton</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Lawrence E. Burnell</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Peter L. Pairitz</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Lawrence E. Burnell</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Peter L. Pairitz</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Craig M. Dwight</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Steven W. Reed</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Craig M. Dwight</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Steven W. Reed</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ James B. Dworkin</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Robert E. Swinehart</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">James B. Dworkin</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Robert E. Swinehart</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Charley E. Gillispie</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Spero W. Valavanis</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Charley E. Gillispie</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top">Spero W. Valavanis</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Daniel F. Hopp</P></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Daniel F. Hopp</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="top"></TD></TR>
</TABLE>
</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>7
<FILENAME>d915197dex991.htm
<DESCRIPTION>EX-99.1
<TEXT>
<HTML><HEAD>
<TITLE>EX-99.1</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit 99.1 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:9%; font-size:12pt; font-family:ARIAL"><B>Horizon Bancorp </B></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:8pt" ALIGN="center">


<TR>
<TD WIDTH="51%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="7%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="39%"></TD></TR>


<TR STYLE="font-family:ARIAL; font-size:8pt">
<TD VALIGN="top" ROWSPAN="2"> <P STYLE="font-size:24pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt;margin-bottom:1pt" ALIGN="justify">


<IMG SRC="g915197dsp370a.jpg" ALT="LOGO">
</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" COLSPAN="3">


<IMG SRC="g915197dsp370b.jpg" ALT="LOGO">
</TD></TR>
<TR STYLE="font-family:ARIAL; font-size:12pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" COLSPAN="3"> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:ARIAL"><B>Electronic Voting Instructions</B></P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:ARIAL"><B>Available 24 hours a day, 7 days a week!</B></P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:ARIAL">Instead of mailing your proxy, you may choose one of the voting methods outlined below to vote your
proxy.</P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:ARIAL">VALIDATION DETAILS ARE LOCATED BELOW IN THE TITLE BAR.</P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:ARIAL"><B>Proxies submitted by the Internet or telephone must be received by 11:59 p.m., Eastern Standard
Time, on [<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U>], 2015.</B></P></TD></TR>
<TR STYLE="font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt;margin-bottom:1pt">


<IMG SRC="g915197dsp370c.jpg" ALT="LOGO">
</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:ARIAL"><B>Vote by Internet</B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:8pt; font-family:ARIAL">&#149;&nbsp;&nbsp;Go to <B>www.investorvote.com/HBNC</B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:8pt; font-family:ARIAL">&#149;&nbsp;&nbsp;Or scan the QR code with your smartphone</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; margin-left:2.00em; text-indent:-1.00em; font-size:8pt; font-family:ARIAL">&#149;&nbsp;&nbsp;Follow the steps outlined on the secure website</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" COLSPAN="3"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:ARIAL"><B>Vote by telephone</B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:8pt; font-family:ARIAL">&#149;&nbsp;&nbsp;Call toll free 1-800-652-VOTE (8683) within the USA, US&nbsp;territories &amp; Canada on a touch tone
telephone</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; margin-left:2.00em; text-indent:-1.00em; font-size:8pt; font-family:ARIAL">&#149;&nbsp;&nbsp;Follow the instructions provided by the recorded
message</P></TD></TR></TABLE>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:8pt" ALIGN="center">


<TR>
<TD WIDTH="47%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="44%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="2%"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>

<TR STYLE="font-family:ARIAL; font-size:8pt">
<TD VALIGN="top">Using a <B><U>black ink</U> </B>pen, mark your votes with an <B>X </B>as shown in this example. Please do not write outside the designated areas.</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="middle"><FONT STYLE="font-family:Times New Roman; font-size:24pt"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#120;</FONT></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt;margin-bottom:0pt" ALIGN="center">


<IMG SRC="g915197dsp370d.jpg" ALT="LOGO">
 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:6pt; font-family:ARIAL" ALIGN="center"><B></B><FONT STYLE="font-family:Times New Roman"><FONT STYLE="FONT-FAMILY:'WINGDINGS 3'">&#113;</FONT></FONT><FONT
STYLE="font-family:ARIAL"><B></B></FONT><B> IF YOU HAVE NOT VOTED VIA THE INTERNET <U>OR</U> TELEPHONE, FOLD ALONG THE PERFORATION, DETACH AND RETURN THE BOTTOM PORTION IN THE ENCLOSED ENVELOPE. </B><FONT STYLE="font-family:Times New Roman"><FONT
STYLE="FONT-FAMILY:'WINGDINGS 3'">&#113;</FONT></FONT><FONT STYLE="font-family:ARIAL"><B></B></FONT><B> </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="100%"></TD></TR>


<TR STYLE="font-size:1px; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px dotted #000000">&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:0pt;margin-bottom:0pt;page-break-before:always"></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:8pt" ALIGN="center">


<TR>
<TD WIDTH="1%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="9%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="19%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="20%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="20%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="20%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="3%"></TD></TR>


<TR STYLE="font-family:ARIAL; font-size:8pt">
<TD VALIGN="top" BGCOLOR="#000000"><FONT COLOR="#ffffff"><B>&nbsp;A&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"><B>Proposals&nbsp;&#151;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" COLSPAN="11"><B>The Board recommends a vote <U>FOR</U> all director nominees, and <U>FOR</U> Proposals 1, 3, 4, and 5.</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:7pt" ALIGN="center">


<TR>
<TD WIDTH="33%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="1%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="3%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="38%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="2%"></TD></TR>


<TR STYLE="font-family:ARIAL; font-size:20pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-size:7pt"><B>For</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-size:7pt"><B>Against</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-size:7pt"><B>Abstain</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-size:7pt"><B>For</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-size:7pt"><B>Against</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-size:7pt"><B>Abstain</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ROWSPAN="2"><B>+</B></TD></TR>
<TR STYLE="font-family:ARIAL; font-size:10pt">
<TD VALIGN="top" ROWSPAN="2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:ARIAL">1.&nbsp;Approval of the Agreement and Plan of Merger dated February 18, 2015 by and between Horizon Bancorp and Peoples Bancorp, and
the related Plan of Merger, and the transactions contemplated thereby, including the issuance of Horizon Bancorp common stock in the merger.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD ROWSPAN="2" VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD ROWSPAN="2" VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-size:7pt"><B></B><FONT STYLE="font-family:Times New Roman; font-size:17pt"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></FONT><B></B><B></B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-size:7pt"><B></B><FONT STYLE="font-family:Times New Roman; font-size:17pt"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></FONT><B></B><B></B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-size:7pt"><B></B><FONT STYLE="font-family:Times New Roman; font-size:17pt"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></FONT><B></B><B></B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:ARIAL">3.&nbsp;Advisory vote to approve executive compensation.</P>
<P STYLE="font-size:6pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-size:7pt"><B></B><FONT STYLE="font-family:Times New Roman; font-size:17pt"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></FONT><B></B><B></B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-size:7pt"><B></B><FONT STYLE="font-family:Times New Roman; font-size:17pt"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></FONT><B></B><B></B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-size:7pt"><B></B><FONT STYLE="font-family:Times New Roman; font-size:17pt"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></FONT><B></B><B></B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:ARIAL; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:ARIAL">4.&nbsp;Ratification of appointment of BKD, LLP.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-size:7pt"><B></B><FONT STYLE="font-family:Times New Roman; font-size:17pt"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></FONT><B></B><B></B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-size:7pt"><B></B><FONT STYLE="font-family:Times New Roman; font-size:17pt"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></FONT><B></B><B></B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-size:7pt"><B></B><FONT STYLE="font-family:Times New Roman; font-size:17pt"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></FONT><B></B><B></B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:ARIAL">2.&nbsp;Election of Directors</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:ARIAL">&nbsp;&nbsp;&nbsp;&nbsp;Nominees:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:ARIAL"><B>For</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:ARIAL"><B>Withhold</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ROWSPAN="4"> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:ARIAL">5.&nbsp;Approval of the adjournment of the Annual Meeting, if necessary, to solicit additional
proxies in the event there are not sufficient votes present at the Annual Meeting in person or by proxy to approve any of the above items.</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:ARIAL">6.&nbsp;In their discretion, on such other business as may be properly brought before the Annual Meeting or any adjournment of
the Annual Meeting.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-size:7pt"><B></B><FONT STYLE="font-family:Times New Roman; font-size:17pt"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></FONT><B></B><B></B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-size:7pt"><B></B><FONT STYLE="font-family:Times New Roman; font-size:17pt"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></FONT><B></B><B></B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-size:7pt"><B></B><FONT STYLE="font-family:Times New Roman; font-size:17pt"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></FONT><B></B><B></B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:4.00em; font-size:7pt; font-family:ARIAL">01 - Lawrence E. Burnell</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-size:7pt"><B></B><FONT STYLE="font-family:Times New Roman; font-size:17pt"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></FONT><B></B><B></B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-size:7pt"><B></B><FONT STYLE="font-family:Times New Roman; font-size:17pt"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></FONT><B></B><B></B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:4.00em; font-size:7pt; font-family:ARIAL">02 - Peter L. Pairitz</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-size:7pt"><B></B><FONT STYLE="font-family:Times New Roman; font-size:17pt"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></FONT><B></B><B></B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-size:7pt"><B></B><FONT STYLE="font-family:Times New Roman; font-size:17pt"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></FONT><B></B><B></B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:4.00em; font-size:7pt; font-family:ARIAL">03 - Spero W. Valavanis</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-size:7pt"><B></B><FONT STYLE="font-family:Times New Roman; font-size:17pt"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></FONT><B></B><B></B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-size:7pt"><B></B><FONT STYLE="font-family:Times New Roman; font-size:17pt"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></FONT><B></B><B></B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:8pt" ALIGN="center">


<TR>
<TD WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="39%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="38%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>


<TR STYLE="font-family:ARIAL; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#000000"><FONT STYLE="font-size:8pt" COLOR="#ffffff"><B>&nbsp;B&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"><FONT STYLE="font-size:8pt"><B>Non-Voting Items</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:ARIAL; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"><FONT STYLE="font-size:8pt"><B>Change of Address </B>&#151; Please print your new address below.</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-size:8pt"><B>Comments </B>&#151; Please print your comments below.</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-size:8pt"><B>Meeting&nbsp;Attendance</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:ARIAL; font-size:8pt">
<TD COLSPAN="3" VALIGN="top" STYLE="BORDER:1px solid #000000; padding-left:8pt"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ROWSPAN="2">Mark&nbsp;the&nbsp;box&nbsp;to&nbsp;the&nbsp;right<BR>if you plan to attend the<BR>Annual Meeting.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-bottom:1pt; margin-top:0pt; font-size:10pt; font-family:ARIAL"><FONT STYLE="font-family:Times New Roman; font-size:17pt"><FONT
STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></FONT></P></TD>
<TD VALIGN="top"> <P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-bottom:1pt; margin-top:0pt; font-size:10pt; font-family:ARIAL" ALIGN="right"><FONT STYLE="font-family:Times New Roman; font-size:17pt"></FONT>&nbsp;</P></TD>
<TD NOWRAP VALIGN="top"> <P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-bottom:1pt; margin-top:0pt; font-size:10pt; font-family:ARIAL"><FONT STYLE="font-family:Times New Roman; font-size:17pt"></FONT>&nbsp;&nbsp;</P></TD></TR>
<TR STYLE="font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD></TR>
</TABLE>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:7pt" ALIGN="center">


<TR>
<TD WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="97%"></TD></TR>


<TR STYLE="font-family:ARIAL; font-size:7pt">
<TD VALIGN="top" BGCOLOR="#000000"><FONT STYLE="font-size:8pt" COLOR="#ffffff"><B>&nbsp;C&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"><B>Authorized Signatures &#151; This section must be completed for your vote to be counted &#151; Date and Sign Below</B></TD></TR>
<TR STYLE="font-family:ARIAL; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:7pt; font-family:ARIAL">Please sign exactly as name(s) appears hereon. Joint owners should each sign. When signing as attorney, executor, administrator, corporate
officer, trustee, guardian, or custodian, please give full title.</P> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD></TR>
</TABLE>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:7pt" ALIGN="center">


<TR>
<TD WIDTH="32%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="32%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="31%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD></TR>


<TR STYLE="font-family:ARIAL; font-size:6pt">
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-size:7pt">Date (mm/dd/yyyy) &#151; Please print date below.</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-size:7pt">Signature&nbsp;1&nbsp;&#151;&nbsp;Please&nbsp;keep&nbsp;signature&nbsp;within&nbsp;the&nbsp;box.</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-size:7pt">Signature&nbsp;2&nbsp;&#151;&nbsp;Please&nbsp;keep&nbsp;signature&nbsp;within&nbsp;the&nbsp;box.</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:ARIAL; font-size:8pt">
<TD VALIGN="top" NOWRAP STYLE="BORDER:1px solid #000000; padding-left:8pt"><FONT STYLE="font-size:24pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT STYLE="font-size:26pt">/</FONT><FONT STYLE="font-size:24pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
/ </FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt;margin-bottom:0pt" ALIGN="center">


<IMG SRC="g915197dsp370e.jpg" ALT="LOGO">
 </P>

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

 <P STYLE="font-size:48pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="font-size:48pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="font-size:48pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:48pt; margin-bottom:0pt; font-size:6pt; font-family:ARIAL" ALIGN="center"><B></B><FONT STYLE="font-family:Times New Roman"><FONT
STYLE="FONT-FAMILY:'WINGDINGS 3'">&#113;</FONT></FONT><FONT STYLE="font-family:ARIAL"><B></B></FONT><B>&nbsp;&nbsp;IF YOU HAVE NOT VOTED VIA THE INTERNET <U>OR</U> TELEPHONE, FOLD ALONG THE PERFORATION, DETACH AND RETURN THE BOTTOM PORTION IN THE
ENCLOSED ENVELOPE. &nbsp;&nbsp;</B><FONT STYLE="font-family:Times New Roman"><FONT STYLE="FONT-FAMILY:'WINGDINGS 3'">&#113;</FONT></FONT><FONT STYLE="font-family:ARIAL"><B></B></FONT><B> </B></P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px dashed #000000">&nbsp;</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="font-size:24pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="font-size:24pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="line-height:2.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:2.00pt solid #000000">&nbsp;</P>
<P STYLE="margin-top:3pt; margin-bottom:0pt; font-size:14pt; font-family:ARIAL"><B>Proxy &#151; Horizon Bancorp </B></P> <P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:2.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:2.00pt solid #000000">&nbsp;</P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:12pt; font-family:ARIAL"><B>Notice of 2015 Annual Meeting of Shareholders </B></P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:12pt; font-family:ARIAL"><B>Clarion Inn, 5820 South Franklin Street, Michigan City, Indiana 46360</B> </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL"><B>Proxy Solicited by Board of Directors for Annual Meeting &#151;
</B><B><U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U>,</B><B> 2015, 10:00 a.m. (local time)</B> </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL" ALIGN="justify">Thomas H. Edwards, James D. Neff, and Mark E. Secor, or any of them, each with the power of substitution, are hereby authorized to represent and vote
the shares of the undersigned, with all the powers which the undersigned would possess if personally present, at the Annual Meeting of Shareholders of Horizon Bancorp to be held on
<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U>, 2015 at 10:00 a.m. (local time) or at any postponement or adjournment thereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL"><B>Your vote is very important! </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL" ALIGN="justify"><B>Shares represented by this
proxy will be voted by the shareholder. If no such directions are indicated, the Proxies will have authority to vote FOR all director nominees, and FOR Proposals 1, 3, 4, and 5. </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL" ALIGN="justify"><B>In their discretion, the Proxies are authorized to vote upon such other business as may properly come before the meeting. </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL">(Items to be voted appear on reverse side.) </P>
</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.2
<SEQUENCE>8
<FILENAME>d915197dex992.htm
<DESCRIPTION>EX-99.2
<TEXT>
<HTML><HEAD>
<TITLE>EX-99.2</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit 99.2 </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:8pt" ALIGN="center">


<TR>
<TD WIDTH="11%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="18%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="16%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="1%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="3%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="43%"></TD></TR>


<TR STYLE="font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt;margin-bottom:1pt">


<IMG SRC="g915197dsp002a.jpg" ALT="LOGO">
</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="middle" COLSPAN="5"><FONT STYLE="font-family:Times New Roman; font-size:18pt"><B>Peoples Bancorp</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="3" VALIGN="top"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:ARIAL; font-size:10pt">
<TD VALIGN="top" COLSPAN="3" ALIGN="center" STYLE="BORDER:1px solid #000000; padding-left:8pt"><FONT STYLE="font-size:7pt"><B><I>IMPORTANT&nbsp;SPECIAL&nbsp;MEETING&nbsp;INFORMATION</I></B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:ARIAL; font-size:7pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" COLSPAN="3"> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:ARIAL" ALIGN="justify"><B>Electronic Voting Instructions</B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:ARIAL" ALIGN="justify"><B>Available 24 hours a day, 7 days a week!</B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:7pt; font-family:ARIAL" ALIGN="justify">Instead
of mailing your proxy, you may choose one of the voting</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:7pt; font-family:ARIAL" ALIGN="justify">methods outlined below to vote your proxy.</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:7pt; font-family:ARIAL" ALIGN="justify">VALIDATION DETAILS ARE LOCATED BELOW IN THE TITLE BAR.</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:7pt; font-family:ARIAL" ALIGN="justify"><B>Proxies submitted by telephone must be received by</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:7pt; font-family:ARIAL" ALIGN="justify"><B>12:00 a.m., Eastern Time, on June ___, 2015.</B></P></TD></TR>
<TR STYLE="font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" COLSPAN="3"><FONT STYLE="font-size:10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Vote by telephone</B></FONT></TD></TR>
<TR STYLE="font-family:ARIAL; font-size:7pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:ARIAL">&#149;&nbsp;Call toll free 1-800-652-VOTE (8683) within the USA, US territories &amp; Canada on a touch tone
telephone</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:ARIAL">&#149;&nbsp;Follow the instructions provided by the recorded message</P></TD></TR>
<TR STYLE="font-family:ARIAL; font-size:10pt">
<TD VALIGN="top" COLSPAN="5"><FONT STYLE="font-family:Times New Roman; font-size:8pt">Using a <B><U>black ink</U> </B>pen, mark your votes with an <B>X </B>as shown in this example. Please do not write outside the designated areas.</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman; font-size:24pt"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#120;</FONT></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="3" VALIGN="top"></TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:14pt" ALIGN="center">


<TR>
<TD WIDTH="51%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="47%"></TD></TR>


<TR STYLE="font-family:ARIAL; font-size:10pt">
<TD VALIGN="top" COLSPAN="3" STYLE="BORDER-TOP:2.50pt solid #000000; BORDER-BOTTOM:2.50pt solid #000000" BGCOLOR="#cccccc"> <P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:14pt; font-family:ARIAL"><B>Special Meeting Proxy Card</B></P> <P STYLE="font-size:3pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:6pt; font-family:ARIAL" ALIGN="center"><B></B><FONT STYLE="font-family:Times New Roman"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#218;</FONT></FONT><FONT
STYLE="font-family:ARIAL"><B></B></FONT><B> &nbsp;&nbsp;IF YOU HAVE NOT VOTED VIA TELEPHONE, FOLD ALONG THE PERFORATION, DETACH AND RETURN THE BOTTOM PORTION IN THE ENCLOSED ENVELOPE. &nbsp;&nbsp;</B><FONT STYLE="font-family:Times New Roman"><FONT
STYLE="FONT-FAMILY:WINGDINGS">&#218;</FONT></FONT><FONT STYLE="font-family:ARIAL"><B></B></FONT><B> </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px dashed #000000">&nbsp;</P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="1%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD WIDTH="65%"></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD></TR>


<TR STYLE="font-family:ARIAL; font-size:10pt">
<TD VALIGN="top" COLSPAN="14"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:ARIAL"><B>A. Proposals - The Board of Directors recommends a vote </B><B><U>FOR</U></B><B> Proposals 1</B><B> and 2</B><B>.</B></P></TD>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:ARIAL"><B></B><B><U></U></B><B></B><B></B><B></B>&nbsp;&nbsp;</P></TD></TR>
<TR STYLE="font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:ARIAL"><B>1.</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ROWSPAN="2"> <P ALIGN="justify" STYLE="font-family:ARIAL; font-size:9pt">Approval of the Agreement and Plan of Merger dated February 18, 2015 (the &#147;Merger Agreement&#148;), between Peoples Bancorp (the &#147;Corporation&#148;)
and Horizon Bancorp (&#147;Horizon&#148;) and the related Plan of Merger, concerning the merger of the Corporation with and into Horizon (the &#147;Merger&#148;).</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">For</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">Against</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">Abstain</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:ARIAL; font-size:14pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman"></FONT>&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:Times New Roman"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></FONT></TD>
<TD NOWRAP VALIGN="top"><FONT STYLE="font-family:Times New Roman"></FONT>&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman"></FONT>&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:Times New Roman"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></FONT></TD>
<TD NOWRAP VALIGN="top"><FONT STYLE="font-family:Times New Roman"></FONT>&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman"></FONT>&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:Times New Roman"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></FONT></TD>
<TD NOWRAP VALIGN="top"><FONT STYLE="font-family:Times New Roman"></FONT>&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:ARIAL"><B>2.</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ROWSPAN="2"> <P ALIGN="justify" STYLE="font-family:ARIAL; font-size:9pt">Approval of the adjournment of the Special Meeting, if necessary, to solicit additional proxies in the event there are not sufficient votes present at the
Special Meeting in person or by proxy to approve the Merger Agreement and the related Plan of Merger.</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">For</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">Against</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">Abstain</TD>
<TD NOWRAP VALIGN="top">&nbsp;&nbsp;</TD></TR>
<TR STYLE="font-family:ARIAL; font-size:14pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman"></FONT>&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:Times New Roman"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></FONT></TD>
<TD NOWRAP VALIGN="top"><FONT STYLE="font-family:Times New Roman"></FONT>&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman"></FONT>&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:Times New Roman"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></FONT></TD>
<TD NOWRAP VALIGN="top"><FONT STYLE="font-family:Times New Roman"></FONT>&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman"></FONT>&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:Times New Roman"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></FONT></TD>
<TD NOWRAP VALIGN="top"><FONT STYLE="font-family:Times New Roman"></FONT>&nbsp;&nbsp;</TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:8pt" ALIGN="center">


<TR>
<TD WIDTH="90%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="9%"></TD></TR>


<TR STYLE="font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"><FONT STYLE="font-size:8pt">ON ANY OTHER MATTERS THAT MAY PROPERLY COME BEFORE THE MEETING, THIS PROXY WILL BE VOTED IN ACCORDANCE WITH THE BEST JUDGMENT OF THE PROXIES. THIS PROXY, WHEN PROPERLY EXECUTED, WILL BE VOTED AS DIRECTED,
OR IF NO DIRECTION IS INDICATED, WILL BE VOTED &#147;FOR&#148; PROPOSALS 1 and 2.</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:9pt; font-family:ARIAL"><B>B. Authorized Signatures. &#150; This section must be completed for your vote to be counted. &#150; Date and Sign Below. </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:8pt; font-family:ARIAL" ALIGN="justify">Please sign exactly as name(s) appear hereon. Joint owners should each sign. When signing as attorney, executor, administrator, corporate officer,
trustee, guardian or custodian, please give full title as such. If a corporation, please sign in full corporate name by President or other authorized officer. If a partnership, please sign in partnership name by authorized person. </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:7pt" ALIGN="center">


<TR>
<TD WIDTH="32%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="32%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="31%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD></TR>


<TR STYLE="font-family:ARIAL; font-size:6pt">
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-size:7pt">Date (mm/dd/yyyy) &#151; Please print date below.</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-size:7pt">Signature&nbsp;1&nbsp;&#151;&nbsp;Please&nbsp;keep&nbsp;signature&nbsp;within&nbsp;the&nbsp;box</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-size:7pt">Signature&nbsp;2&nbsp;&#151;&nbsp;Please&nbsp;keep&nbsp;signature&nbsp;within&nbsp;the&nbsp;box</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-family:ARIAL; font-size:8pt">
<TD VALIGN="top" NOWRAP STYLE="BORDER:1px solid #000000; padding-left:8pt"><FONT STYLE="font-size:24pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT STYLE="font-size:26pt">/</FONT><FONT STYLE="font-size:24pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
/ </FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE>

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

 <P STYLE="font-size:48pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="font-size:48pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:48pt; margin-bottom:0pt; font-size:6.5pt; font-family:ARIAL" ALIGN="center"><B></B><FONT STYLE="font-family:Times New Roman"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#218;</FONT></FONT><FONT STYLE="font-family:ARIAL"><B></B></FONT><B>&nbsp;&nbsp;
 IF YOU HAVE NOT VOTED VIA THE TELEPHONE, FOLD ALONG THE PERFORATION, DETACH AND RETURN THE BOTTOM PORTION IN THE ENCLOSED ENVELOPE.&nbsp;&nbsp;</B><FONT STYLE="font-family:Times New Roman"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#218;</FONT></FONT><FONT
STYLE="font-family:ARIAL"><B></B></FONT><B> </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px dashed #000000">&nbsp;</P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="font-size:24pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="11%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="88%"></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:18pt">
<TD VALIGN="top">


<IMG SRC="g915197dsp002a.jpg" ALT="LOGO">
</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="middle"><B>Peoples Bancorp</B></TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:14pt" ALIGN="center">


<TR>
<TD WIDTH="51%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="47%"></TD></TR>


<TR STYLE="font-family:ARIAL; font-size:10pt">
<TD VALIGN="top" COLSPAN="3" STYLE="BORDER-TOP:2.50pt solid #000000; BORDER-BOTTOM:2.50pt solid #000000" BGCOLOR="#ffffff"> <P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:14pt; font-family:ARIAL"><B>Revocable Proxy &#150; PEOPLES BANCORP</B></P> <P STYLE="font-size:3pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:12pt; font-family:ARIAL" ALIGN="justify"><B>This proxy is solicited on behalf of the Board of Directors for the Special Meeting of Shareholders to be held on
<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U>, June <U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U>, 2015. </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:9pt; font-family:ARIAL" ALIGN="justify">The undersigned hereby appoints Jeffrey H. Gatton and Steven H. Caryer (with the power of substitution) proxies for the undersigned to represent and to
vote all shares of Common Stock of Peoples Bancorp held of record by the undersigned at the close of business on May <U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U>, 2015, at the special meeting of shareholders to be held on
<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U>, June <U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U>, 2015, at
<U>&nbsp;&nbsp;&nbsp;&nbsp;</U>:00 p.m., local time, and at all adjournments or postponements thereof, as designated on this proxy. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:9pt; font-family:ARIAL" ALIGN="justify">This proxy may
be revoked at any time before it is voted by delivering to the Secretary of Peoples Bancorp on or before the taking of the vote at the special meeting, a written notice of revocation bearing a later date than this proxy or a later dated proxy
relating to the same shares of Peoples Bancorp Common Stock, or by attending the special meeting and voting in person. Attendance at the special meeting will not in itself constitute the revocation of a proxy. If this proxy is properly revoked as
described above, then the power of the proxies shall be deemed terminated and of no further force and effect. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:9pt; font-family:ARIAL" ALIGN="justify">The undersigned acknowledges receipt
from Peoples Bancorp prior to the execution of this proxy, of the Notice of Special Meeting scheduled to be held on June <U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U>, 2015, and a proxy statement and prospectus relating to the business to
be addressed at the special meeting. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:9pt; font-family:ARIAL" ALIGN="justify">This proxy, when properly executed, will be voted in the manner directed herein by the undersigned shareholder.
If no direction is made, this proxy will be voted FOR proposals 1 and 2. In addition, this proxy will be voted at the discretion of the proxy holder(s) upon any other matter which may properly come before the Special Meeting. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:8.5pt; font-family:ARIAL" ALIGN="center"><B>YOUR VOTE IS IMPORTANT. </B></P> <P STYLE="margin-top:3pt; margin-bottom:0pt; font-size:8.5pt; font-family:ARIAL" ALIGN="center"><B>PLEASE MARK,
SIGN, DATE AND RETURN YOUR PROXY CARD PROMPTLY USING THE ENCLOSED POSTAGE-PAID ENVELOPE. </B></P>
</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.3
<SEQUENCE>9
<FILENAME>d915197dex993.htm
<DESCRIPTION>EX-99.3
<TEXT>
<HTML><HEAD>
<TITLE>EX-99.3</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit 99.3 </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt;margin-bottom:0pt">


<IMG SRC="g915197dsp374.jpg" ALT="LOGO">
 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">CONSENT OF KEEFE, BRUYETTE&nbsp;&amp; WOODS, INC. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">We hereby consent to the inclusion of our opinion letter to the Board of Directors of Peoples Bancorp (&#147;Peoples&#148;), as Appendix B to
the Proxy Statement/Prospectus which forms a part of the Registration Statement on Form S-4 filed on the date hereof (the &#147;Registration Statement&#148;) relating to the proposed merger of Peoples with and into Horizon Bancorp and to the
references to such opinion and the quotation or summarization of such opinion contained therein. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In giving such consent, we do not admit
that we come within the category of persons whose consent is required under Section&nbsp;7 of the Securities Act of 1933, as amended (the &#147;Securities Act&#148;), or the rules and regulations of the Securities and Exchange Commission thereunder,
nor do we hereby admit that we are experts with respect to any part of the Registration Statement within the meaning of the term &#147;experts&#148; as used in the Securities Act or the rules and regulations of the Securities and Exchange Commission
thereunder. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt;margin-bottom:0pt">


<IMG SRC="g915197dsp374a.jpg" ALT="LOGO">
 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">KEEFE, BRUYETTE&nbsp;&amp; WOODS,&nbsp;INC. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Dated: May&nbsp;5, 2015 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Keefe, Bruyette&nbsp;&amp; Woods, Inc.
&#149; 787 Seventh Avenue, New York, NY 10019 </P>
</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.4
<SEQUENCE>10
<FILENAME>d915197dex994.htm
<DESCRIPTION>EX-99.4
<TEXT>
<HTML><HEAD>
<TITLE>EX-99.4</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit 99.4 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Consent of Patrick Capital Markets, LLC </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">May&nbsp;5, 2015 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Horizon Bancorp </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">515 Franklin Square </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Michigan City, Indiana 46360 </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">We hereby consent to the inclusion of our opinion letter to the Board of Directors of Horizon Bancorp (&#147;Horizon&#148;) as Appendix C to the Joint Proxy
Statement/Prospectus which forms a part of the Registration Statement on Form S-4 dated the date hereof relating to the proposed merger of Peoples Bancorp into Horizon and the references to such opinion therein. This consent relates solely to the
Registration Statement and not to any subsequent amendments thereto or any other document. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">By giving such consent, we do not thereby admit that we are
experts with respect to any part of the Registration Statement within the meaning of the term &#147;expert&#148; as used in, or that we come within the category of persons whose consent is required under, the Securities Act of 1933, as amended, or
the rules and regulations of the Securities and Exchange Commission promulgated thereunder. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:54%; text-indent:-2%; font-size:10pt; font-family:Times New Roman">Very truly yours, </P>
<P STYLE="margin-top:0pt;margin-bottom:0pt; margin-left:54%; text-indent:-2%">


<IMG SRC="g915197dsp375.jpg" ALT="LOGO">
 </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:54%; text-indent:-2%; font-size:10pt; font-family:Times New Roman">Patrick Capital Markets LLC </P>
</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.5
<SEQUENCE>11
<FILENAME>d915197dex995.htm
<DESCRIPTION>EX-99.5
<TEXT>
<HTML><HEAD>
<TITLE>EX-99.5</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit 99.5 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Consent of Cummings&nbsp;&amp; Company, LLC </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">May&nbsp;5, 2015 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Horizon Bancorp </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">515 Franklin Square </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Michigan City, Indiana 46360 </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">We hereby consent to the inclusion of our opinion letter to the Board of Directors of Horizon Bancorp (&#147;Horizon&#148;) as Appendix C to the Joint Proxy
Statement/Prospectus which forms a part of the Registration Statement on Form S-4 dated the date hereof relating to the proposed merger of Peoples Bancorp into Horizon and the references to such opinion therein. This consent relates solely to the
Registration Statement and not to any subsequent amendments thereto or any other document. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">By giving such consent, we do not thereby admit that we are
experts with respect to any part of the Registration Statement within the meaning of the term &#147;expert&#148; as used in, or that we come within the category of persons whose consent is required under, the Securities Act of 1933, as amended, or
the rules and regulations of the Securities and Exchange Commission promulgated thereunder. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:54%; text-indent:-2%; font-size:10pt; font-family:Times New Roman">Very truly yours, </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt;margin-bottom:0pt; margin-left:54%; text-indent:-2%">


<IMG SRC="g915197dsp376.jpg" ALT="LOGO">
 </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:54%; text-indent:-2%; font-size:10pt; font-family:Times New Roman">Cummings&nbsp;&amp; Company, LLC </P>
</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>12
<FILENAME>g915197dsp002.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g915197dsp002.jpg
M_]C_X1#O17AI9@``34T`*@````@`"`$2``,````!``$```$:``4````!````
M;@$;``4````!````=@$H``,````!``(```$Q``(````>````?@$R``(````4
M````G`$[``(````)````L(=I``0````!````O````.@`+<;````G$``MQL``
M`"<0061O8F4@4&AO=&]S:&]P($-3-B`H5VEN9&]W<RD`,C`Q-3HP-3HP,B`P
M-3HP,SHR.0!R<C$S-3DP,P```````Z`!``,````!__\``*`"``0````!````
MM*`#``0````!````-P`````````&`0,``P````$`!@```1H`!0````$```$V
M`1L`!0````$```$^`2@``P````$``@```@$`!`````$```%&`@(`!`````$`
M``^A`````````$@````!````2`````'_V/_M``Q!9&]B95]#30`!_^X`#D%D
M;V)E`&2``````?_;`(0`#`@("`D(#`D)#!$+"@L1%0\,#`\5&!,3%1,3&!$,
M#`P,#`P1#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`$-"PL-#@T0#@X0
M%`X.#A04#@X.#A01#`P,#`P1$0P,#`P,#!$,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`P,#`P,_\``$0@`,0"@`P$B``(1`0,1`?_=``0`"O_$`3\```$%`0$!
M`0$!``````````,``0($!08'"`D*"P$``04!`0$!`0$``````````0`"`P0%
M!@<("0H+$``!!`$#`@0"!0<&"`4###,!``(1`P0A$C$%05%A$R)Q@3(&%)&A
ML4(C)!52P6(S-'*"T4,')9)3\.'Q8W,U%J*R@R9$DU1D1<*C=#87TE7B9?*S
MA,/3=>/S1B>4I(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]C='5V=WAY>GM\?7
MY_<1``("`0($!`,$!08'!P8%-0$``A$#(3$2!$%187$B$P4R@9$4H;%"(\%2
MT?`S)&+A<H*20U,58W,T\24&%J*R@P<F-<+21)-4HQ=D154V=&7B\K.$P]-U
MX_-&E*2%M)7$U.3TI;7%U>7U5F9VAI:FML;6YO8G-T=79W>'EZ>WQ__:``P#
M`0`"$0,1`#\`]522224BRKC1C6WAN\U,<\-F)VC=MW?FK%^IOUI/UIZ99U$8
MOV-E=QI##9ZA):UECGSLKV_SJU^H?T#)_P")L_ZER\I_Q>?7OH/U:Z"_!ZF;
MA?9>Z]HK9O&QS*F-]VYO^B21>KW>5];7X_UQQ?JN,/><NKUAE>K`:T-ML?-/
MIGW?H/\`2*S]9?K9T?ZM8S;NH6$V6SZ&-6`ZVR/I;6DM:UC?S[+/T:X;"^L'
M3OK#_C4Z5U'II>:!C6TGU&[#O;5DO=[9/YMC$7ZK857UL^O/6.M]3`OIZ7:*
M<2A^K1#K*Z#M/MVU,H?;M_[D7>JDJVQ_XZG62S[4SZKY3L#Z0R-SXV?Z3<,;
MT_\`IKJ/JO\`7+HWUGI<[!>ZO(J$W8ML"QHG;ZC=I<RVK=_A*_[:W5YG]?<*
MKZL_67I'UHZ6T8[LB_T\RIGM:\Z>H_8/^Y%#K&7?U*[?YU)6KL_6'_&!F=+Z
M[;T/`Z-;U/*J8VP>G9JYKFBQSO295=9[%=^J?UZPOK'=;@V8]G3^IXXW68=V
MIV@[7NK?M8[]&[^<9976]<SU#JW3^C_XV;\[J5WV?%;AM8ZPASAN<QNQI%8<
M[\U%Z+9;]9/\9`^LG3<:ROH^+0ZEV8]A8VYP8^GV[OINW6?]LU?I$E7J]-]9
M/K:[H?5>E=.&']I/5K/299ZGI[#NKKES?3LW-_3;E6^LWUVR^A]4;@8W1LCJ
M8-+;G6T%T-W.>STW-93;_H_WED?XQ?\`Q6?5'_PT?_/F*N_NNJHI??<X5U5-
M+['NT#6M&Y[G'^2U)7=\]R/\;>5C%C<GZNY5#[?YIEKRQS]=OZ)ME#76>[V^
MQ=?G_6'$Z/T>OJ?7(P7.:W?CAWJN]5PW?9:M@'KV_P!3V?X3^:7%?56N[ZZ?
M7'(^M.6UW[+Z8[T^F5.^CO'\T=O[];/UJ[_NQ=3_`*-/U+%'UL_QGGI6?[^F
M=$H]3T)T>7"I[]W_`!MMU3;/^!HV)*U9N_QLY]P.1T_ZNY.1@;@QF0YY;N<3
M#6?HJ+ZO4=_HVW6*WT3ZW?\`/'-?A#/LZ&]FX-Z?4&_:;0V"]_VZYKJV[/SL
M6FC[0S^<]1=510W(ZAZ@]N+T\>CC5-]K/4B+;=@]OZ&O]7I_T?Z=<?\`XU^C
MTX^'1]:,']6ZIA7U;KF:%[9_1N?^]939LV/_`-'^C03J&QU3&Z/T_K^'T?,S
M^HT/ZE6749_VZV?5#M@QWUN/HM]6?T;_`/2?HU:R#]:OJO\`K/VAW7>D-/Z9
MEPC*J:?\)ZS/YVMGY^Y<O]?JW?6'JWU8KEM+NKX@@D$M:Z[T[&S^=MW.6_\`
M43ZUY=E]GU4^L<U]:P996;>;ZVB=7?X:YE7Z3U/^U6/^L?Z5"NVB1,W1U'BZ
MWU,^M_\`SIQ\K(&&<-F-8*@#8+"XD;R?:RO;M71KQS_%QUFWHN5<^V6],R\G
MT+S^:RR7>E:W]W9.VW_@?^+7L:(-_1%&@>[_`/_0]522224U^H_\GY/_`!-G
M_4N7!?XHNF]/R_JO=9EXM.0\9;VA]M;7F!71[=SVN]ON7H5M3+JGTOU98TL<
M`8,.&TZJAT+ZO=*^K^*_$Z54::+'^JYA>Y_O(:PNFUSW?1K8DBGB\O&Q\;_'
M!TFK&I916,-YV5-#&R:\OW;6!JJMRW_XO_KOFOS6._8/7'>JV]H)#'2;.!+G
M?9K+;:[:OYST+*[O^#7;9?1_JZ>N5=?RG-9U+';LJN=<6AK8>S;Z6]M7T;;/
MS$W5>H_5'.QGX?5,G$R,=WTJK'M<)[.;!]KV_OL0^J>$]$[?K/\`5QV-]J'4
M\7T(W;_68-/ANW+@>IYY_P`87UMP.G],:YW1>DO%^5E$%H=J'.=[OH^KZ?H8
MK-OJ?SUW\TBV_5C_`!2-N-AR71,^DRVUS?\`HM=9_P""+=P?K;]1.BXHP^FD
M44-,[*:GZG]][G-W6/\`^$>Y+B'<)X)'H7&R,+#S_P#&[D8N;0S)Q[,$;JK6
MAS3%;(=M=^<A_63HV1]0LFCZQ_5VVQO3#:UF?TQSRZN''_![I]C_`*'O_247
M>GL]BT&_6/ZD'KIZ_7CYEG4W-],VL981MV^EM]'U/2^B/W%8ZM]8NB=?PC@9
MG2.IY6*YS7NK92]DEIEDNK>QWTD.(=U>W+LYOU[R:<SZQ?4O+H.ZG(O%M;O%
MKWXCV_\`1*+_`(TNO6/&/]5,&UE5_4'-.9<]P8RNDNBMMUG^#98\>I;_`,!5
M_P`,IV5],R&]-`^K'57_`+'`_9Y<2STX<Q[=77C?_-5_SF]#SNA=.ZKFW9^7
M]4\Z[*R7;K;+,D,DQM`TR=K6L:W:SVI6$&$O!Z#H74/JAT/I6/TO%ZKAFO';
M!>;Z@7O/NMN?^D^E;9[UROUDR'_5OZWXOUXPF_;>C=3K;5EOJ(<-0VN6/^A[
MV5TW4>[]+9596B_\QNE$>WZGV?VNH!OY+G+HL<=6JZ;7TIOU<K.!76*11=EU
MV-],#:&OWUV^I_;1O^5*X3X?:W>F_6?ZLY&&V[&ZECFK5SC98VMP).]WJUVE
MEE;M?SVKB?KK]8&_7'*QOJC]6_UH6VMLR\QL^DUK#V=^=35N]6VW_BZJ?4>K
M5O\`BXZ;D7>L?J^,>=377U!P9]WHOV_V%T'1>DW]#I=3TOHF+B-?&]WVESGO
MCCU+G4.L?M_E.251\/M>;^MN+7A_7;ZFXE,^EC[*F3SM8]C&_P#1:M[Z\_4X
M]<IKZETT^AUW`A^)<T["_:?4;0ZS\WW^['L_P5G\A]BL9W1+>I=0Q.IYW3*'
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M1F.H8T,86-:.&B``FF,B?F7B40/ELOGXI_QD=1,EU](/=SJ\<?YM?Z7_`***
MWZB_63+AV?U,`GZ0-EMI_$U-7>>I5^^W[PEZM7[[?O"'`.I)5[AZ`#Z/&T_X
ML<*9RLVVWQ#&-;_TG^JKU/\`B\^KE7TF77?U["/_`#T*ETGJU_OM^\)>K7^^
MW[PCP1[(]R7=RJOJA]6JOH]/J,?OR_\`\^N>KU/2^F4?S.)17'[E;6_]2U']
M6O\`?;]X2]6O]]OWA&AV19[EXSJW7/K6/K1F='Z%]B95@XC<S9DL<"\:;JO4
MK<UK=SG?R/ZZVNC_`%HQ^H?55GUCOK.-4*;+KF'\WTM[;=CC&]NZO]&N3ZOU
MKH'3/\8'5OV[8&X65TQF.YFUS]^_:YU44ASF[ZUDMNZG;]3</ZLTES;.O9SA
MTNC)=#V=-86VL]=[9?6QUK/W?TE/J>DBMM[3ZA_6CJ/7<;)JZO4W'ZCCFNWT
MV-+0<?(8+L6V'.?_`"U1Z#]>\K)^N'4/J]U,5MJ;?=3T^YC2V74N=^@N+G.:
MZQ]/N;_ZD5!^1U[H7ULZ5UCK=>#C8F:W]DV'!>\L`)]3%=<+]NST[-OZ3_0(
M&%T9W6V_6JK$>UG4L'K+\OIMD@%N0PNV#=^[=L]+_I_X-)&KM=/^O-M/1NN=
M6ZP&N9TO.MP\>JEI:Y^TM;2SW.?^DL?9[G*>!D?XR\NW&S[Z<#$PK;*S;T\[
MSD-H<X>H7//Z/[0VKW?3_P"M_P""7)=%PNI=>^I76;,=H?U1G5SGG'(@OM:V
MJRZGTO\`MW97^_[%V/2_\9OU7SV8U=ES\;J&18RAV"^M^]MSW"K9ZFST=F__
M``F__P`@DD%%D?63ZR]:ZGEX'U2IQFXW3G^CD]2S"XUNM'TJ,9E7TO3_`#W^
M_P#ZW^B]4W0_K-UFKK0^KGUHQJJ.H7,-N#EXQ)HR&M$V,;O][+6-;N_]%U?H
MO6R/J]UO"^H^3F_5WZP$XM+K[,KI^?M<ZNZJPCZ?I->YMS(]W^9^YZIJNJ5?
M7'ZX]-RNDM<[I'0/5LOSW@L%EMS-C**&OVO]NQF[_KG_``7K)35Z+]>OK2:,
M#JW5&8EO2>H9G[/+:0]EU=A+F,N][GL?7[';EK=;ZU]:W?6X=`Z$_#K`PAFE
MV4QYDA[J37OJ=^=[/S%Q/0^E9%7U6J^MV#:,J[I&3=<[IV4=^-M:X;[\:J6^
MAE,9MM]3_P!&>FMS*%_UA^O.)D=-ZB_I7VWH;,AMU6U[]C[';\8[B&M?[MW[
M]?I)(U>R^JG7S]8.DC-LI^SY-5C\?*H!W!MM9VV!COSF.]KULK+Z!T?IW0.F
M5=-PGS762YUCW`O>]QW66V._><M+U*_WV_>$ES__TO0'?3=_6/Y2DOFI))3]
M*)+YK224_2B2^:TDE/THDOFM))3]$W_TP_%GY$?-_P"6J_Z@_BOF]))'=^C.
MH_T4?UOX)\+^?O\`Z[?RKYR225U?I#%_I&1_X8'Y5G9W_B@/]=OY&KP!))!V
M#]$]>_Y-J_XX_D<C=-_Y)Q?[?Y7+YP223^D_1.-_R==_:_@FQ?Z13_Q)_BOG
M=))79^E4F_3;_6'Y5\U)))?_V?_M&110:&]T;W-H;W`@,RXP`#A"24T$!```
M````81P!6@`#&R5''`(```*MG!P"4``(<G(Q,S4Y,#,<`@4`0$UI8W)O<V]F
M="!7;W)D("T@2&]R:7IO;B!"86YC;W)P("T@4&5O<&QE<R!"86YC;W)P($9O
M<FT@4RTT($IO:6X`.$))300E```````0:G!AYX@^PE`.L>Q:!OC37CA"24T$
M.@``````Y0```!`````!```````+<')I;G1/=71P=70````%`````%!S=%-B
M;V]L`0````!);G1E96YU;0````!);G1E`````$-L<FT````/<')I;G13:7AT
M965N0FET8F]O;``````+<')I;G1E<DYA;65415A4`````0``````#W!R:6YT
M4')O;V93971U<$]B:F,````,`%``<@!O`&\`9@`@`%,`90!T`'4`<```````
M"G!R;V]F4V5T=7`````!`````$)L=&YE;G5M````#&)U:6QT:6Y0<F]O9@``
M``EP<F]O9D--64L`.$))300[``````(M````$`````$``````!)P<FEN=$]U
M='!U=$]P=&EO;G,````7`````$-P=&YB;V]L``````!#;&)R8F]O;```````
M4F=S36)O;VP``````$-R;D-B;V]L``````!#;G1#8F]O;```````3&)L<V)O
M;VP``````$YG='9B;V]L``````!%;6Q$8F]O;```````26YT<F)O;VP`````
M`$)C:V=/8FIC`````0```````%)'0D,````#`````%)D("!D;W5B0&_@````
M````````1W)N(&1O=6)`;^````````````!";"`@9&]U8D!OX```````````
M`$)R9%15;G1&(U)L=````````````````$)L9"!5;G1&(U)L=```````````
M`````%)S;'15;G1&(U!X;$!RP```````````"G9E8W1O<D1A=&%B;V]L`0``
M``!09U!S96YU;0````!09U!S`````%!G4$,`````3&5F=%5N=$8C4FQT````
M````````````5&]P(%5N=$8C4FQT````````````````4V-L(%5N=$8C4')C
M0%D````````````08W)O<%=H96Y0<FEN=&EN9V)O;VP`````#F-R;W!296-T
M0F]T=&]M;&]N9P`````````,8W)O<%)E8W1,969T;&]N9P`````````-8W)O
M<%)E8W12:6=H=&QO;F<`````````"V-R;W!296-T5&]P;&]N9P``````.$))
M30/M```````0`2P````!``(!+`````$``CA"24T$)@``````#@``````````
M```_@```.$))300-```````$````>#A"24T$&0``````!````!XX0DE-`_,`
M``````D```````````$`.$))32<0```````*``$``````````CA"24T#]0``
M````2``O9F8``0!L9F8`!@```````0`O9F8``0"AF9H`!@```````0`R````
M`0!:````!@```````0`U`````0`M````!@```````3A"24T#^```````<```
M_____________________________P/H`````/______________________
M______\#Z`````#_____________________________`^@`````________
M_____________________P/H```X0DE-!`@``````!`````!```"0````D``
M````.$))300>```````$`````#A"24T$&@`````#30````8`````````````
M`#<```"T````#``Y`#$`-0`Q`#D`-P!?`#``,``Q`"T`,@````$`````````
M`````````````````0``````````````M````#<`````````````````````
M`0`````````````````````````0`````0```````&YU;&P````"````!F)O
M=6YD<T]B:F,````!````````4F-T,0````0`````5&]P(&QO;F<`````````
M`$QE9G1L;VYG``````````!"=&]M;&]N9P```#<`````4F=H=&QO;F<```"T
M````!G-L:6-E<U9L3',````!3V)J8P````$```````5S;&EC90```!(````'
M<VQI8V5)1&QO;F<`````````!V=R;W5P241L;VYG``````````9O<FEG:6YE
M;G5M````#$53;&EC94]R:6=I;@````UA=71O1V5N97)A=&5D`````%1Y<&5E
M;G5M````"D53;&EC951Y<&4`````26UG(`````9B;W5N9'-/8FIC`````0``
M`````%)C=#$````$`````%1O<"!L;VYG``````````!,969T;&]N9P``````
M````0G1O;6QO;F<````W`````%)G:'1L;VYG````M`````-U<FQ415A4````
M`0```````&YU;&Q415A4`````0```````$US9V5415A4`````0``````!F%L
M=%1A9U1%6%0````!```````.8V5L;%1E>'1)<TA434QB;V]L`0````AC96QL
M5&5X=%1%6%0````!```````):&]R>D%L:6=N96YU;0````]%4VQI8V5(;W)Z
M06QI9VX````'9&5F875L=`````EV97)T06QI9VYE;G5M````#T53;&EC959E
M<G1!;&EG;@````=D969A=6QT````"V)G0V]L;W)4>7!E96YU;0```!%%4VQI
M8V5"1T-O;&]R5'EP90````!.;VYE````"71O<$]U='-E=&QO;F<`````````
M"FQE9G1/=71S971L;VYG``````````QB;W1T;VU/=71S971L;VYG````````
M``MR:6=H=$]U='-E=&QO;F<``````#A"24T$*```````#`````(_\```````
M`#A"24T$$0```````0$`.$))3004```````$`````CA"24T$#``````/O0``
M``$```"@````,0```>```%O@```/H0`8``'_V/_M``Q!9&]B95]#30`!_^X`
M#D%D;V)E`&2``````?_;`(0`#`@("`D(#`D)#!$+"@L1%0\,#`\5&!,3%1,3
M&!$,#`P,#`P1#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`$-"PL-#@T0
M#@X0%`X.#A04#@X.#A01#`P,#`P1$0P,#`P,#!$,#`P,#`P,#`P,#`P,#`P,
M#`P,#`P,#`P,#`P,_\``$0@`,0"@`P$B``(1`0,1`?_=``0`"O_$`3\```$%
M`0$!`0$!``````````,``0($!08'"`D*"P$``04!`0$!`0$``````````0`"
M`P0%!@<("0H+$``!!`$#`@0"!0<&"`4###,!``(1`P0A$C$%05%A$R)Q@3(&
M%)&AL4(C)!52P6(S-'*"T4,')9)3\.'Q8W,U%J*R@R9$DU1D1<*C=#87TE7B
M9?*SA,/3=>/S1B>4I(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]C='5V=WAY>G
MM\?7Y_<1``("`0($!`,$!08'!P8%-0$``A$#(3$2!$%187$B$P4R@9$4H;%"
M(\%2T?`S)&+A<H*20U,58W,T\24&%J*R@P<F-<+21)-4HQ=D154V=&7B\K.$
MP]-UX_-&E*2%M)7$U.3TI;7%U>7U5F9VAI:FML;6YO8G-T=79W>'EZ>WQ__:
M``P#`0`"$0,1`#\`]522224BRKC1C6WAN\U,<\-F)VC=MW?FK%^IOUI/UIZ9
M9U$8OV-E=QI##9ZA):UECGSLKV_SJU^H?T#)_P")L_ZER\I_Q>?7OH/U:Z"_
M!ZF;A?9>Z]HK9O&QS*F-]VYO^B21>KW>5];7X_UQQ?JN,/><NKUAE>K`:T-M
ML?-/IGW?H/\`2*S]9?K9T?ZM8S;NH6$V6SZ&-6`ZVR/I;6DM:UC?S[+/T:X;
M"^L'3OK#_C4Z5U'II>:!C6TGU&[#O;5DO=[9/YMC$7ZK857UL^O/6.M]3`OI
MZ7:*<2A^K1#K*Z#M/MVU,H?;M_[D7>JDJVQ_XZG62S[4SZKY3L#Z0R-SXV?Z
M3<,;T_\`IKJ/JO\`7+HWUGI<[!>ZO(J$W8ML"QHG;ZC=I<RVK=_A*_[:W5YG
M]?<*KZL_67I'UHZ6T8[LB_T\RIGM:\Z>H_8/^Y%#K&7?U*[?YU)6KL_6'_&!
MF=+Z[;T/`Z-;U/*J8VP>G9JYKFBQSO295=9[%=^J?UZPOK'=;@V8]G3^IXXW
M68=VIV@[7NK?M8[]&[^<9976]<SU#JW3^C_XV;\[J5WV?%;AM8ZPASAN<QNQ
MI%8<[\U%Z+9;]9/\9`^LG3<:ROH^+0ZEV8]A8VYP8^GV[OINW6?]LU?I$E7J
M]-]9/K:[H?5>E=.&']I/5K/299ZGI[#NKKES?3LW-_3;E6^LWUVR^A]4;@8W
M1LCJ8-+;G6T%T-W.>STW-93;_H_WED?XQ?\`Q6?5'_PT?_/F*N_NNJHI??<X
M5U5-+['NT#6M&Y[G'^2U)7=\]R/\;>5C%C<GZNY5#[?YIEKRQS]=OZ)ME#76
M>[V^Q=?G_6'$Z/T>OJ?7(P7.:W?CAWJN]5PW?9:M@'KV_P!3V?X3^:7%?56N
M[ZZ?7'(^M.6UW[+Z8[T^F5.^CO'\T=O[];/UJ[_NQ=3_`*-/U+%'UL_QGGI6
M?[^F=$H]3T)T>7"I[]W_`!MMU3;/^!HV)*U9N_QLY]P.1T_ZNY.1@;@QF0YY
M;N<3#6?HJ+ZO4=_HVW6*WT3ZW?\`/'-?A#/LZ&]FX-Z?4&_:;0V"]_VZYKJV
M[/SL6FC[0S^<]1=510W(ZAZ@]N+T\>CC5-]K/4B+;=@]OZ&O]7I_T?Z=<?\`
MXU^CTX^'1]:,']6ZIA7U;KF:%[9_1N?^]939LV/_`-'^C03J&QU3&Z/T_K^'
MT?,S^HT/ZE6749_VZV?5#M@QWUN/HM]6?T;_`/2?HU:R#]:OJO\`K/VAW7>D
M-/Z9EPC*J:?\)ZS/YVMGY^Y<O]?JW?6'JWU8KEM+NKX@@D$M:Z[T[&S^=MW.
M6_\`43ZUY=E]GU4^L<U]:P996;>;ZVB=7?X:YE7Z3U/^U6/^L?Z5"NVB1,W1
MU'BZWU,^M_\`SIQ\K(&&<-F-8*@#8+"XD;R?:RO;M71KQS_%QUFWHN5<^V6]
M,R\GT+S^:RR7>E:W]W9.VW_@?^+7L:(-_1%&@>[_`/_0]522224U^H_\GY/_
M`!-G_4N7!?XHNF]/R_JO=9EXM.0\9;VA]M;7F!71[=SVN]ON7H5M3+JGTOU9
M8TL<`8,.&TZJAT+ZO=*^K^*_$Z54::+'^JYA>Y_O(:PNFUSW?1K8DBGB\O&Q
M\;_'!TFK&I916,-YV5-#&R:\OW;6!JJMRW_XO_KOFOS6._8/7'>JV]H)#'2;
M.!+G?9K+;:[:OYST+*[O^#7;9?1_JZ>N5=?RG-9U+';LJN=<6AK8>S;Z6]M7
MT;;/S$W5>H_5'.QGX?5,G$R,=WTJK'M<)[.;!]KV_OL0^J>$]$[?K/\`5QV-
M]J'4\7T(W;_68-/ANW+@>IYY_P`87UMP.G],:YW1>DO%^5E$%H=J'.=[OH^K
MZ?H8K-OJ?SUW\TBV_5C_`!2-N-AR71,^DRVUS?\`HM=9_P""+=P?K;]1.BXH
MP^FD44-,[*:GZG]][G-W6/\`^$>Y+B'<)X)'H7&R,+#S_P#&[D8N;0S)Q[,$
M;JK6AS3%;(=M=^<A_63HV1]0LFCZQ_5VVQO3#:UF?TQSRZN''_![I]C_`*'O
M_247>GL]BT&_6/ZD'KIZ_7CYEG4W-],VL981MV^EM]'U/2^B/W%8ZM]8NB=?
MPC@9G2.IY6*YS7NK92]DEIEDNK>QWTD.(=U>W+LYOU[R:<SZQ?4O+H.ZG(O%
MM;O%KWXCV_\`1*+_`(TNO6/&/]5,&UE5_4'-.9<]P8RNDNBMMUG^#98\>I;_
M`,!5_P`,IV5],R&]-`^K'57_`+'`_9Y<2STX<Q[=77C?_-5_SF]#SNA=.ZKF
MW9^7]4\Z[*R7;K;+,D,DQM`TR=K6L:W:SVI6$&$O!Z#H74/JAT/I6/TO%ZKA
MFO';!>;Z@7O/NMN?^D^E;9[UROUDR'_5OZWXOUXPF_;>C=3K;5EOJ(<-0VN6
M/^A[V5TW4>[]+9596B_\QNE$>WZGV?VNH!OY+G+HL<=6JZ;7TIOU<K.!76*1
M1=EUV-],#:&OWUV^I_;1O^5*X3X?:W>F_6?ZLY&&V[&ZECFK5SC98VMP).]W
MJUVEEE;M?SVKB?KK]8&_7'*QOJC]6_UH6VMLR\QL^DUK#V=^=35N]6VW_BZJ
M?4>K5O\`BXZ;D7>L?J^,>=377U!P9]WHOV_V%T'1>DW]#I=3TOHF+B-?&]WV
MESGOCCU+G4.L?M_E.251\/M>;^MN+7A_7;ZFXE,^EC[*F3SM8]C&_P#1:M[Z
M\_4X]<IKZETT^AUW`A^)<T["_:?4;0ZS\WW^['L_P5G\A]BL9W1+>I=0Q.IY
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MW_1X1F.H8T,86-:.&B``FF,B?F7B40/ELOGXI_QD=1,EU](/=SJ\<?YM?Z7_
M`***WZB_63+AV?U,`GZ0-EMI_$U-7>>I5^^W[PEZM7[[?O"'`.I)5[AZ`#Z/
M&T_XL<*9RLVVWQ#&-;_TG^JKU/\`B\^KE7TF77?U["/_`#T*ETGJU_OM^\)>
MK7^^W[PCP1[(]R7=RJOJA]6JOH]/J,?OR_\`\^N>KU/2^F4?S.)17'[E;6_]
M2U']6O\`?;]X2]6O]]OWA&AV19[EXSJW7/K6/K1F='Z%]B95@XC<S9DL<"\:
M;JO4K<UK=SG?R/ZZVNC_`%HQ^H?55GUCOK.-4*;+KF'\WTM[;=CC&]NZO]&N
M3ZOUKH'3/\8'5OV[8&X65TQF.YFUS]^_:YU44ASF[ZUDMNZG;]3</ZLTES;.
MO9SATNC)=#V=-86VL]=[9?6QUK/W?TE/J>DBMM[3ZA_6CJ/7<;)JZO4W'ZCC
MFNWTV-+0<?(8+L6V'.?_`"U1Z#]>\K)^N'4/J]U,5MJ;?=3T^YC2V74N=^@N
M+G.:ZQ]/N;_ZD5!^1U[H7ULZ5UCK=>#C8F:W]DV'!>\L`)]3%=<+]NST[-OZ
M3_0(&%T9W6V_6JK$>UG4L'K+\OIMD@%N0PNV#=^[=L]+_I_X-)&KM=/^O-M/
M1NN=6ZP&N9TO.MP\>JEI:Y^TM;2SW.?^DL?9[G*>!D?XR\NW&S[Z<#$PK;*S
M;T\[SD-H<X>H7//Z/[0VKW?3_P"M_P""7)=%PNI=>^I76;,=H?U1G5SGG'(@
MOM:VJRZGTO\`MW97^_[%V/2_\9OU7SV8U=ES\;J&18RAV"^M^]MSW"K9ZFST
M=F__``F__P`@DD%%D?63ZR]:ZGEX'U2IQFXW3G^CD]2S"XUNM'TJ,9E7TO3_
M`#W^_P#ZW^B]4W0_K-UFKK0^KGUHQJJ.H7,-N#EXQ)HR&M$V,;O][+6-;N_]
M%U?HO6R/J]UO"^H^3F_5WZP$XM+K[,KI^?M<ZNZJPCZ?I->YMS(]W^9^YZIJ
MNJ5?7'ZX]-RNDM<[I'0/5LOSW@L%EMS-C**&OVO]NQF[_KG_``7K)35Z+]>O
MK2:,#JW5&8EO2>H9G[/+:0]EU=A+F,N][GL?7[';EK=;ZU]:W?6X=`Z$_#K`
MPAFEV4QYDA[J37OJ=^=[/S%Q/0^E9%7U6J^MV#:,J[I&3=<[IV4=^-M:X;[\
M:J6^AE,9MM]3_P!&>FMS*%_UA^O.)D=-ZB_I7VWH;,AMU6U[]C[';\8[B&M?
M[MW[]?I)(U>R^JG7S]8.DC-LI^SY-5C\?*H!W!MM9VV!COSF.]KULK+Z!T?I
MW0.F5=-PGS762YUCW`O>]QW66V._><M+U*_WV_>$ES__TO0'?3=_6/Y2DOFI
M))3]*)+YK224_2B2^:TDE/THDOFM))3]$W_TP_%GY$?-_P"6J_Z@_BOF]))'
M=^C.H_T4?UOX)\+^?O\`Z[?RKYR225U?I#%_I&1_X8'Y5G9W_B@/]=OY&KP!
M))!V#]$]>_Y-J_XX_D<C=-_Y)Q?[?Y7+YP223^D_1.-_R==_:_@FQ?Z13_Q)
M_BOG=))79^E4F_3;_6'Y5\U)))?_V0`X0DE-!"$``````%4````!`0````\`
M00!D`&\`8@!E`"``4`!H`&\`=`!O`',`:`!O`'`````3`$$`9`!O`&(`90`@
M`%``:`!O`'0`;P!S`&@`;P!P`"``0P!3`#8````!`#A"24T$!@``````!P`(
M`````0$`_^$1MVAT='`Z+R]N<RYA9&]B92YC;VTO>&%P+S$N,"\`/#]X<&%C
M:V5T(&)E9VEN/2+ON[\B(&ED/2)7-4TP37!#96AI2'IR95-Z3E1C>FMC.60B
M/SX@/'@Z>&UP;65T82!X;6QN<SIX/2)A9&]B93IN<SIM971A+R(@>#IX;7!T
M:STB061O8F4@6$U0($-O<F4@-2XS+6,P,3$@-C8N,30U-C8Q+"`R,#$R+S`R
M+S`V+3$T.C4V.C(W("`@("`@("`B/B`\<F1F.E)$1B!X;6QN<SIR9&8](FAT
M='`Z+R]W=W<N=S,N;W)G+S$Y.3DO,#(O,C(M<F1F+7-Y;G1A>"UN<R,B/B`\
M<F1F.D1E<V-R:7!T:6]N(')D9CIA8F]U=#TB(B!X;6QN<SID8STB:'1T<#HO
M+W!U<FPN;W)G+V1C+V5L96UE;G1S+S$N,2\B('AM;&YS.GAM<#TB:'1T<#HO
M+VYS+F%D;V)E+F-O;2]X87`O,2XP+R(@>&UL;G,Z<&1F/2)H='1P.B\O;G,N
M861O8F4N8V]M+W!D9B\Q+C,O(B!X;6QN<SIX;7!-33TB:'1T<#HO+VYS+F%D
M;V)E+F-O;2]X87`O,2XP+VUM+R(@>&UL;G,Z<W1%=G0](FAT='`Z+R]N<RYA
M9&]B92YC;VTO>&%P+S$N,"]S5'EP92]297-O=7)C945V96YT(R(@>&UL;G,Z
M<W12968](FAT='`Z+R]N<RYA9&]B92YC;VTO>&%P+S$N,"]S5'EP92]297-O
M=7)C95)E9B,B('AM;&YS.G!D9G@](FAT='`Z+R]N<RYA9&]B92YC;VTO<&1F
M>"\Q+C,O(B!X;6QN<SIP:&]T;W-H;W`](FAT='`Z+R]N<RYA9&]B92YC;VTO
M<&AO=&]S:&]P+S$N,"\B(&1C.F9O<FUA=#TB:6UA9V4O:G!E9R(@>&UP.D-R
M96%T941A=&4](C(P,34M,#4M,#%4,38Z,C4Z,3(M,#4Z,#`B('AM<#I#<F5A
M=&]R5&]O;#TB5&]O;&MI="!H='1P.B\O=W=W+F%C=&EV97!D9BYC;VTB('AM
M<#I-971A9&%T841A=&4](C(P,34M,#4M,#)4,#4Z,#,Z,CDK,#4Z,S`B('AM
M<#I-;V1I9GE$871E/2(R,#$U+3`U+3`R5#`U.C`S.C(Y*S`U.C,P(B!P9&8Z
M4')O9'5C97(](E1O;VQK:70@:'1T<#HO+W=W=RYA8W1I=F5P9&8N8V]M(B!X
M;7!-33I$;V-U;65N=$E$/2)X;7`N9&ED.D,X-#E&,C,V-3A&,$4T,3$X-D$Q
M.#@Y.#DR144V1$8U(B!X;7!-33I);G-T86YC94E$/2)X;7`N:6ED.D,Y-#E&
M,C,V-3A&,$4T,3$X-D$Q.#@Y.#DR144V1$8U(B!X;7!-33I/<FEG:6YA;$1O
M8W5M96YT240](G5U:60Z,#)B960U964M939C82TT.3=A+6)E.&0M9#9D-C-D
M9CEE-#4R(B!P9&9X.D%05$M615(](C4N-2XP+C$U,#(X(%!R;R!0<F]D=6-T
M:6]N+3,R(B!P:&]T;W-H;W`Z0V]L;W)-;V1E/2(S(CX@/&1C.G1I=&QE/B`\
M<F1F.D%L=#X@/')D9CIL:2!X;6PZ;&%N9STB>"UD969A=6QT(CY-:6-R;W-O
M9G0@5V]R9"`M($AO<FEZ;VX@0F%N8V]R<"`M(%!E;W!L97,@0F%N8V]R<"!&
M;W)M(%,M-"!*;VEN="!0<F]X>2!3=&%T96UE;G0M4')O<W!E8W1U<RYD;V-X
M/"]R9&8Z;&D^(#PO<F1F.D%L=#X@/"]D8SIT:71L93X@/&1C.F-R96%T;W(^
M(#QR9&8Z4V5Q/B`\<F1F.FQI/G)R,3,U.3`S/"]R9&8Z;&D^(#PO<F1F.E-E
M<3X@/"]D8SIC<F5A=&]R/B`\>&UP34TZ2&ES=&]R>3X@/')D9CI397$^(#QR
M9&8Z;&D@<W1%=G0Z86-T:6]N/2)C;VYV97)T960B('-T179T.G!A<F%M971E
M<G,](F9R;VT@87!P;&EC871I;VXO<&1F('1O(&%P<&QI8V%T:6]N+W9N9"YA
M9&]B92YP:&]T;W-H;W`B+SX@/')D9CIL:2!S=$5V=#IA8W1I;VX](G-A=F5D
M(B!S=$5V=#II;G-T86YC94E$/2)X;7`N:6ED.D,X-#E&,C,V-3A&,$4T,3$X
M-D$Q.#@Y.#DR144V1$8U(B!S=$5V=#IW:&5N/2(R,#$U+3`U+3`R5#`U.C`S
M.C(Y*S`U.C,P(B!S=$5V=#IS;V9T=V%R94%G96YT/2)!9&]B92!0:&]T;W-H
M;W`@0U,V("A7:6YD;W=S*2(@<W1%=G0Z8VAA;F=E9#TB+R(O/B`\<F1F.FQI
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M=$5V=#II;G-T86YC94E$/2)X;7`N:6ED.D,Y-#E&,C,V-3A&,$4T,3$X-D$Q
M.#@Y.#DR144V1$8U(B!S=$5V=#IW:&5N/2(R,#$U+3`U+3`R5#`U.C`S.C(Y
M*S`U.C,P(B!S=$5V=#IS;V9T=V%R94%G96YT/2)!9&]B92!0:&]T;W-H;W`@
M0U,V("A7:6YD;W=S*2(@<W1%=G0Z8VAA;F=E9#TB+R(O/B`\+W)D9CI397$^
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M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@/#]X<&%C:V5T(&5N9#TB=R(_/O_N
M``Y!9&]B90!D0`````'_VP"$``$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0$!`0$"`@("`@("`@("`@,#`P,#`P,#`P,!`0$!`0$!
M`0$!`0("`0("`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#`P,#`__``!$(`#<`M`,!$0`"$0$#$0'_W0`$`!?_Q`&B````
M!@(#`0`````````````'"`8%!`D#"@(!``L!```&`P$!`0````````````8%
M!`,'`@@!"0`*"Q```@$#!`$#`P(#`P,"!@EU`0(#!!$%$@8A!Q,B``@Q%$$R
M(Q4)44(6820S%U)Q@1ABD25#H;'P)C1R"AG!T34GX5,V@O&2HD14<T5&-T=C
M*%565QJRPM+B\F2#=).$9:.SP]/C*3AF\W4J.3I(24I865IG:&EJ=G=X>7J%
MAH>(B8J4E9:7F)F:I*6FIZBIJK2UMK>XN;K$Q<;'R,G*U-76U]C9VN3EYN?H
MZ>KT]?;W^/GZ$0`"`0,"!`0#!00$!`8&!6T!`@,1!"$2!3$&`"(305$',F$4
M<0A"@2.1%5*A8A8S";$DP=%#<O`7X8(T)9)3&&-$\:*R)C495#9%9"<*<X.3
M1G3"TN+R565U5C>$A:.SP]/C\RD:E*2TQ-3D])6EM<75Y?4H1U=F.':&EJ:V
MQM;F]F=WAY>GM\?7Y_=(6&AXB)BHN,C8Z/@Y25EI>8F9J;G)V>GY*CI*6FIZ
MBIJJNLK:ZOK_V@`,`P$``A$#$0`_`-_CW[KW7O?NO=>]^Z]U3/V[_.3ZWZD_
MF?=:_P`K6MZ/[,SW:G:";+JL'V3BLOM6#KVCQF\<%F]PM79:.KK$SU.V%HMO
M5(EB2GD>60*(R=8/MKQE\80_BI7HLEW)([Z.Q$=9&'J/EY'/G_AZLS^0_<%/
M\?NB>WN\JW;N1W=0=0]>[J[%R6VL/64&/RN:QFT<159O)T6-J\DZ4$-=)04<
MGB\K*C.`MQ>_MPF@)Z732"&&25A4**G\NB=_RO/YDNROYI/Q\S7R-ZYZKWQU
M7LS&=B9[K>BQO8%?M^KSN6R>VZ/%U>5KXX-NUE;!1T$;9:*./R/KD8,;`#EN
M*43!BHX'IBSO$O49T6@!'F#Q`/E\CT`O\Q[^>_\`!'^6OF9^N^R=U9WM+O:.
M@6N?I+J2CI,]N7"05,8DQ\^^\S55='MW8T&04_M+5U!JV4AQ`8V#&LTZPJ"<
MD^73%]NMK8"DC5D]*T^=*G!-,T&?EU3YMG_A8U\?9,[C(^R/@W\BM@;,R%5'
M$^[:/>&R-UU5/3R&_P!S3[?^VP)RD@C.H1TU7(S#Z$^VOJ\5\(T_+I`>8H`3
M^F"E1FI''SJR@4_/K9I^&/SH^,/S]ZGA[E^+?9^,[#VK%5QXS<&.$4V)W?LC
M.M`L[[=WOM+(+%E]N99(FNJRQ^*=5+0R2(-7M4CI)\#`]'%M=PW:EX)`RXQP
M(K_D\P>!\NJH/YE/_"A7J'^7#\C<M\7,W\9>[.Z^S:/:&U=Z8H;"R.V<?@,Q
MBMU4D]2D2U60>JRD%=CG@9)8UI)RRC6O'MB:Z2%@I%6/2"\WF&RN1;.M6(!X
M^O#%"?V#J3_+=_X4;_#K^8/VQC_CWD=I;^^,W?N?:KAV=L3M6?#Y#![YR%%%
MYJC;NV-[8=XJ"7=RP*TJ8RJIZ2IF1&\0=_1[W%<)+C@WIU>TWBVNIO!/;)Y9
MK7\J`CT%0*YIPZM<^<WRSP/P9^*O;OROW9LS</8&U.F\)1;AW#M7:M9BJ'<=
M=C:O-XW".^*ES,]/CY:FFGRD;F-Y$+(&L;BQ==UB0NQP.E]S.MM$96%0"!Z<
M33SZ)IM[^<#UEG/Y6NX/YJM3TUV/ANJ,)B<IG(.LZK)[7G["RN*QV]8-C"HC
MFIZ]L!235>3E:1(Y)]7A2Y(+`>]+(&C\0#'25-QCDL?KE7LSBH\C3CPZITC_
M`.%CWQ!D"%?B+\GB9-)515=>LQU"PT@9PEOK[8^K&/TSD?+HI/,T(4L;5]/K
MJ7_/T=CX"?\`"BSJK^8G\F]J?&/ICXB_(?%YW-XS,;CW-O+<>0V)'M7KW:&#
MI]=?N7=$E#EZFKBIGK9(:2GB1#+4U4Z1H";VW'=+(P14->E=AO<6X2K%%`P-
M*G(Q_J^75BW\P/\`FK_#/^6IM;'9GY+]CM2;KW%!55&R^I-ET/\`>OM3=\-*
M1&]=C-KTD\4E!A8Y6"O7U\E+1A@P61F4J'9)DB!UM3'[>EUWN%M9#]:0:Z8'
M^<G`'V^O6O0/^%D?1`R"UDOP0^0$.Q)*[[:+>#]B=>K-+2>4K]S%B7I4H9:D
M1#4:9<@90?2>1[2M?JM/TS4\,]%0YBA*EEBJ`*\37[/AI7\Z?/H_'PW^?^[?
MYUDF\9^A?E[AOA]LW9KQOD^AM@8+!Y_Y@'$&L\%+NS>&Y]XI6;8V]MK,WTP-
MM^AKA"2JSU"2,@*(F_OBVF<0PU(H`==/(@AA_J\NA9M^[[&\2FWA\:\&22P*
M?DI7RIGCFN>@S^6_2WQA^,7RH^,'0O?GS=^?>S]S_,.CW[B>NN^LE\F,Y3[.
MP/9NU:W;$>)VINW"C[+;V.@WPNXVBH:EX4IDKHHX79%EU*FDV2`.BO?7`<^?
MB.!7R[:_Y>C:3GB2UEAMY=OM*,/]\Q\*@9)%>)&>AHWSU#_-B_EVT]?V1TGW
MY7_//H;;D0R>ZNI^XL<9^U<9MZA439*?;^1QY>NKF@@+N6HIGF"IK-)(`1[9
MDAWC:%:6&;QK1<D$$F@XY9L?.E?MZ-8KG8=\(@N;;Z:]88<$!2>%**@X^5>I
M/Q0_X4,=+_+3YH=>?"/9_P`<>Y-O[_WUC<ADZC=V;S.S&V9M^GPVSZW=^:>H
M>"O&9K!1P4#P1*M,DLLK*"J7(!OM^YK?Q)(D)4DY%0:?LZ`VZ2IMF]2;*_=(
M.#<`?L!SUL,^S3IWACKWOW7NO__0W^/?NO=>]^Z]U[W[KW6B=\_-][(ZP_X5
MC_&/?_9&[=N;"V+MC9/3M?N7>6[LO1;?VS@:*3K?L^BAJLQFLG-3X_'4TM;5
M10B261$UR*"1?VAD94O(RWFO^QT#MPDCBYCM9)&H@4$_RZV&/G?_`#%/@/O3
MX3_+C:>T_F5\:=Q;FW%\<^XL)@=OX?N38F1R^;S64V)FJ#&8O%8VES<E7D<C
M7UM1'%%#"CN[,+#Z^U$DB:'[O(]'=_?VOT-TR3`GPS3CZ?9UKY_R@OF1D/@/
M_P`)J_D_\D,'!'+OS:_?7<.W.N(*J,-3CL?>D>P]K[3J:I2"K0XG)9(5C*RL
MKBGT$$,?:2!A!:RR'C4G_-T5[?="SV:>Y)`X4/\`M5'\NA__`.$Y_P#*+ZP[
M`ZAH_P"9O\T-MTGR![Y^16XL]OSK=NU*:'=N-PF!FR]3%)V;D\9E_NZ+-;]W
MSE8)ZF*HJXY%QU!XDIU5F+!ZWAI^H_QGJ^S;<)4:_O%USLQT@\`H)IBI'\L\
M3DGK:_[`^._0W;&SLIU]V5TQU?OC9.8HI<=D=K[EV-MS*XB>DDA,!B6EJ<>\
M<#I$UHY(]$D1L492![5$*001CH0M;P.I1HET'RIUHS=\]2UW_"=K^=-\>.Q_
MCKD\_C_AI\Q,EB]O;HZT?*5=5CZ;;.8W10[8W9L.MEK7D7*'K[,YRBS>W*JI
M,M524CO`9&"G46LOT]S&\9_3;C^>.@K,K[-ND)@-;>7\/ID5R:_;^RGGT9+Y
MB9+#XO\`X5L?$S)9ZNQ&/PD'66SWK<AG:BAI\/#%+U=OJ*)YZG(LM%$SS.HC
M9F!\A72=5O;\H'U,=>%/\O3EV8QS#"9*:=*\?SZ`S_A0GNCX][Y_FA_RY-L_
M#`;)SGRUP_9>T9.P\MTPN*K,B*N;L':E7L''[FJ=J*T==N?&4463J"S.]334
M$A64JA11J=:SP!!W`@GYCIK=Y(3N-F+2AE##7I_E\CFE?\_6RE_PH$O_`,,X
M_.VY!(ZGQFHJ+*2-_;/!L"20+_X^WKBA@E\Z#H[WFO[O>O&J_P"'H*O^$]6V
M-M;P_DS?%?`;MP&&W1@:RFWM+583<&,HLQB:MZ/LW<=;2&JQV0AGHZC[6J@2
M5-:$*Z!AR![U:FL(S7)ZIL:C]V0#B*G_``GII_GS?-WJ?^6U\)MR9?9&S.MJ
M7Y$]VQY/K/HNA&SMKS5&(K:S'LNZ.PJC'R8J05&,V1@9VD5671+6S4\=F#%3
M:>00QZPM6X#\^M;S<6]G:D%%\23M&!^W@>B[_P`B/X6X3^5[_+7[(^;'>6"K
M)>\>XNLLS\A>S!5TVC<NW^K-M;?R6[MD]=1F:G6>FR62HS)DZ\<H^0KU#`>$
M`-PKX,;22?&<G_5Y=)]GM1MNWO=2K^JRZC]@&!Y_ZJ=58_R2_A!BOYSOR3^1
M_P#-D_F!TG^E?:Z=IU>V^K^IMQN]7LNLR=#30Y.BQ^:QTW[55L;J[;M;04N.
MQ0*TD]5(\LZN(RCLVZ":1[DY7RS_`*J]%^U6@W2YN+V[J0KT`J?M\C3'6V5U
M'\?.K.V]TYGM3<_5_6]1U7MZ+.]8_'?K$[#VB=F;?V125#8C>6^/X(N&6CDR
M_8&4H7IX59/'2XFF1(P?N92SD2)+*UP1@8`IZ'C\_P#B^AM)%!'"ELL2TI4X
M'F.'RI_/K5!_GF?!7%?R>>^_CM_-F_E[4YZ7QL/;>+VMVAU3MAC0;'IL]E8:
MG):<)B(;0TNS>T,-CJ^AS6&(-"DP6:%$+A$K/''$?%UZ?V]`O=;,;=-%N-IV
MYR*^GVFG3)_PJ7WE1_*+;/\`*/WOLNCU0_(796Z\[M&@J*I:=HZSLZDZ?K=O
M4$E==%I:BGK\S%%Y[CQR#7<6O[]>A61-7`],\RR/+#83P?&<C_+^7^H]6/\`
M\A7^;5V+G=W9W^5/_,&FRFT?F/T!-7;,Z\W)OZ7[/.=IX/:BB!]D[BJ:QE-?
MV3MK&1I+25*EUW!B`E1&S3(YE<MY:CPY#^H.C#9]V>1_W?=KHNDQGY?A_P`V
M:^63U3/\\>QA\$_^%,V[.V^C-J87"IM#$]7[RRFT:&D6FPFX/[^]-PR]D4GV
M\8$>.FW7#7U#&2$((JB36H!]D6YS)MC^+&E!J#'TIYXZ-]ILH]XYPBMY7)D9
M&`)K6HT4^WB>M_\`Z,[HV1\A>I-A=S==9%,GM'L#;]'GL9('1IZ)YTTUV(R"
MI<0Y/#5Z2TM2G]F:)@+BQ)[:W*7=O#<Q91Q7[.CJ^LY;"[GM)AWHQ'VCR/Y]
M"S[5=).O_]'?X]^Z]U[W[KW7O?NO=?/^_FS_`!PZZ^8'_"F_IOXQ]O-GUZS[
MCZTZ9VUN_P#NMDH<1N'^&TNQ.P\[%_"\G44=?#15!K\5$"[0RVC+#3>WM!(@
M>]5?+0:]`G=;>.[YAM8)"=!45ICTX='^^6'_``EP_EC]&?&'Y#=S[+J/D4V\
M.JNF.R>P]JC,=HX:OQ0W!M':>4SN)&2HH]D4<E90FLH46:,2QET)LP//NYM(
MD#N%[_\`+TOO-@LH[2YD74&$9(R3P%?,YZK0^&GQ\WE\GO\`A*=\L-L;#Q]9
MF=V[*^3/8/=6/P.+IY:BOSD'6%=U_N?-XVCIXP7DF_@--52JO-_%QS;VS$!)
M:S(!D,3^=3TDMK5KC8+B%30@@UX\%%<?GUL._P#":?YF=9?)7^6ETUU-@LQC
M8.TOBS@(>I>PMGFJB_BZXK'U%1/LW?$%$!'(V`W3@ZF/3*H94JXIHG*LH!7Q
MNC@:6K0#HWV*[2>R$(Q)&2",XS\^MA0FWTY/'`_Q_P!Z]WZ.^M$K^?[VCA_Y
M@O\`-C_E_?R]/C[-3[YW=U'V/C1V=D\)-#64.W=S[FW'@,UN;"5%?3220QG8
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M?9D_L_+J_'^:?\G^L/F7_P`)Y_DQ\F.GJ]Z_87:_Q^V_N/&P3O'_`!+!US[^
MVE39K;>9BC/^39G;N7@FI*E"`#)$6'I92799!);/(AQ3_4.CO<)X[O:?&C^%
MBOY9%1TO_P#A/%G</MC^3!\:-R[AR5)AL!M_;G9^<SN7KYDIJ#%8C$[YW;7Y
M+)5L[GQP4E#14[RR.>%123Q[U:#3;BOJ>K[&0-KB8FB@M_A/6OYT'M_/?\**
MOYU6Y_D/O+'5^0^`'PHK\?2;3Q%?%5?P'<>/P.7GK=A[3>%W$#97M'<E"^X,
MR@8,N+@CA/T4%F(O/<B35^DHX?,\.B:`/O6[M.['Z6/@/E_+B?M\ZCAUNG?+
M?J#(=Y_%+Y$='[>,%'E^S>DNQ=A;>!`AHX,MG]HY/%X2)O&\*PTJU\T2,00$
M3G\6]K7!963\1!Z%5U&9;6XB3XF0@?LZU0?^$MGR,Q>,^.?R?_EE[RKZ/8GR
M7ZT[)WUF\%LO/30XK-YW"Y:CH=J[[CQ5-4M#/7978^4P#O5PJ6G2"ICD5="L
MRHK4%(GMV-),C_)T0\N3K']3;.:3^(3_`(/\'6YKMS`8S:N`PFV<-3K2XG;^
M)Q^&QM.MOVJ'&TL5)3(2`-3"*$7/]HW)]K4!4!:=H'0G))-2<]:@?_"MKY.[
M)S?1/1G\OK8]?2[P^0O;_=6R=]3[%P,B9'/;=VWB8LGA=LC+4%.99:.NWOG]
MR)#CHFM-,M.[A?&59D]T5(5">)Z"W,MQ%X,=J,SL:@#^7^KTZ)-_/YZER70>
MV/Y`G26:.K-]68W:>R<TRFZ?QW;V3Z#QN:"$EM2+DJ>4+;\6MQ[;N@%AC7B:
MC_#TDW>(PIMD3G(4_P"3JZ/^?/\`R;LK\SMO8KYC_$2*?9?SYZ!IJ#/[9RFV
M*K^`YCN'!;2?^)8O;#96F:&2#L';;T_DV[7NP<M_D4C&&2,1OSPZP'3$H(H?
ML\NC?=]K^J5;FWQ=)D$<2./V?Y^'&G6KM_+O[6WG_-*_G8;+S7RGP5#B^QNR
M?CQV#TCV=%_"Y<;4IO/J?H#/[,I]UY+`U:*^!W>,MB(JFJI55$IZU#XP%L`6
M3VBWYN(IQFFG\_(XIT4;#NUY#S+M]VQ_7A;)IDTIY4ID`>76R]_(/[CW9U=O
MOY!_`#M>GR6"W+LK*93L796&S\53CJF-J3*C;6^\=BZ;(1QRUE'55$-+D(7A
MO`(C(XOKO[*>6)I;>2ZVNXKJ5B5]*<*<*=3KSK%#=QV6\P$'4H5J$5K2M:5K
M\N'6SO\`B_\`R+_;^QCU'O7_TM_CW[KW7O?NO=>]^Z]UK'?(O^5A\O>Q_P"?
M[T%_,CVAC.M*GXV];8[K;$[D&1WPU!V!(F!V7O/;N=K<;MG^$2T]0E%6;DB:
M)&JD:=8VMIX]IWB)G29>`%#_`*OLZ()]LFDWF'<%'Z:BAR/EY?EZ]7O?,;K;
M=W<GQ/\`D?U)L"EQ];O;L[I7L?8.U*;+9$8C%OGMW;4R>"QAR62:&H%%11U5
M<K2OXV(138$^WG!*L!QIT<74;2VT\2?&RD#\QU61_(+^`_R#_EW?!S<'QO\`
MD_C=AC>%3W3O[?--)L?<O][]O9/;.[\=M^FAAJI:C%XYHJE),9*DL+QLK*PL
M3S[8MHC$C1MDDD_MZ1;79O9PO'(`"2/.O``?X>JO/FC_`,)TOD'U3\B\U\R?
MY,G?R?&SL#.UF0R^=Z5J<_D-GX.GR67J6K<Q3["W/20Y'$TVU<U5NTDN`S%'
M/CH'<^%T4A%I+;%:O;`!^B^YV>>*9[K;9-,AQ2H'\S6HXTX'RX`=`+G/C]_P
MKL[]Q=3U'O;M_8O4^T\EIQ6?WW@]^=7[0R3XJ:-J.L=-P;#Q%;NZJ@G@=C**
M%*>>2_#+?VVT=\PH6`'J"/\`-TG-OO\`*CQF8T(IQ48\^KGOY/'\C#JC^6*N
M=[=WQNT=^?+_`'[0U6/W5W%7T%1#BMI8?)3BKRNVNN*+*S5N4I8\S57DR>6J
MI#DLF;+)XXP8V=@M(X6,AS*?/HRVG9XMN4NQU7!_%]O^?SX#TQT!_?G\K_Y<
M]@_S^^A?YCVV,3UO+\:^LMM[2V[GVR&^#1;_`*AZ/96X]O9:OQ^V!B9:>6*A
MK<VAC1ZI'F2,D:;@>W&B+3+)7`'6I-OF;=EO@H\.BCCY`'R_/J\OY?=35/>W
MQ9^0O3-#MW$;KR?:'4&_MDXC`9ZLBQV'R&:W%MVOQ^%&1KYH:B.BI:;*3PS-
M+H8Q^/4HN![<D&I&4<2*=&5W"T]K/"N688ZU>/BK_)__`)BO4'\E3YY?RX^U
M)^FJOL'N#.XS*_'S^']H25>S:`;@R&TLEOJGW#EZK"4]5@U7([<>HC1()1.T
MW`4WNAC41VLL+RK4D^8\_P#9Z*K/9[]=ON+1HBU6!6F:"H\P*5IYGSZ$?/\`
M\O[^9%M+^1IU9_+2Z9RO0FW.\,EF=T;3[[W-4=RPT.WZ'J2OW5F]RSXS:V7B
MP[5]5D-YQUU-252-#$8*59T)(E'O?BJD*QB=`_F=0_S];;9=X7:?H88&\4DU
M.>%:TKI_;CJMGXS_`,LK_A0Q\+.OJGJ'XQ_*SXH]-;#J-PU^Z,AMS$=H[&K)
M:G<63AIH*S)9#(9O8-?EJF>2"CB14>4I&B@*H%_;$+"`:%G2AS\2X_GT66FP
M<TV2&.VA(C)KQ/\`T#U89\.NN?Y_^TOE;T=N'Y@_/?X[;M^->WM\)D.YMH8/
MMKK;^,9O;,.+R*)00TM#LS#UL^K*24[O$M3#J5>3;CVH6?N4M*A6G\0_S]&U
MGMW,RW$37*.8?/C_`(`G^;I1_P`US^3)T?\`*'NU_FQ\'/F%U?\`%/YG4U=%
MF\[50]E8C";1W_N/&TRQTFY?XKMK,PY[8V_)8X5BJ:ZGCGI\@&O51$AG>DHM
MBS30S()Z8[AQ]>/'J^Y<M75S(;RUAD2[&:Z3G\R#U7XLW_"IU<%_HL?Y;?&Y
M<*M'_#!VN_R`^-'\<-%K,8RHW@T+9]J\1^HRF@-5I_&OGVWX]P05$B5IQUC_
M`#4Z0G;^:Z4[ZZ?3S_9_DKT?'^57_)QZ-^-'=LGS=^?OS,Z?^5OS&J:[^\&W
MIZOM+"Y[:'7VY*B&TN[)\UNK.-F]\[\I5<Q4E9-%3T>,52:2+44DC41K&6\2
M>53)3U&*<.E6W\N7$,WUM[&[W/'@30^M:#_!]M>E-_/C^'^^_P"83W!\%-Z_
M&[M[XKU6$^-^\<KNO?S;^^0&T=K559#6;MV!F(*#`4\!RAJJC[':M0S/(T:!
MG11^2-77ZNGPY%H..1^7GU?=MHN[V>VD2)M*`_+)I\CCUZV5H>]NDJA(F/</
M5:S/$C-"G8VSY3&S*&8!H\O:0H3:XX-K^U8EC\W6OVCHZT28JA!^SJEO>O\`
M+L^.F._FU]!?S0>@.S.E]L5L-/V/M_Y3[,IMZ[9HZ/>%9N;KW-X+;':>"CI,
M@U(F\$R53#2YA&"&NA>.HNTJ2LS6F(2ZU>A)SGCT6/M>F^2^CCH]<X_;3[?3
MU&.)ZN0JZ#X_[FWQMWLR5NL\KV)M&"OI=O;WI*W!2[HQ-#F:0X_(4,>9HJC[
MY\;D*-_&T$KM`XY"W`/NYCC,@ET+X@\_.G1MXDH0QZCX?IY="S_&\/X?+_$:
M7PZ_#Y/*+:]&K3?^NCG_`%N?;W377__3W]F=44NY"HH)9F(55`^I8L18>],R
MJ"S,`OSZV`6("@D]`EOKY+?'KK))F[`[PZJVB\`;R4^<WUMNBKD*@ZO]QTF1
M^^8C^@C/]/:5[^QBIXEW&/\`;#I;'MFXS&D=A,3_`*1O\W1(]_\`\YK^7?L%
MIH6[WI]Y5M.65Z+86VMP[AE9T)4K%4G'4>-D8G\B<K_C[+9^8]K@U5FU4]*'
M_*.C:WY4WNX`/TA2I_$"/\AZ*-O+_A1+\1\1Y%V;UAW9O)QPKUF&P>TZ60+<
M`_<5F7R#HNH"WHO8_3V7/SEMJ::0RFOR'^<]&T?(&\N"3+"`/F?\PZ+#NC_A
M275U+M'U]\49&D8E()-S]B15I+?@O38'"1RD:K<*U_:23FZ1BWTUF6%*_"QQ
M^1Z7IR%'&H^LW%4:E?B4#^8_E7I#-_.J_F6]GJ(^I/B%A8UFO'#5X+KOM+>%
MF9248RS#[$D?B]E/]/=4YAWN<:X=N_XRW^SU=.4N7(Z&YWBJ_)X_]CI3XKY+
M_P#"A3L<1';?2IVS35"*5GR/4^S]NQ(&L5<S[MR=/,EU_P`"1_3W[ZWF:Z1M
M$!7\F'^3K9VWDBS:KWC/Z"J-_+5TNZ+IS_A1%O\`TR9?N?9G7T4H&K7GMEXB
M6$M:Y,&V\+FI+*/]3S?VY':\U2T+3A5_T[`_S7I-)?<EQ@JMJ6;_`)IJ?\#=
M+:@_EM_S@MY1`]@_S,<EMM74^2CP.4W5EP"WU15I:+;T!6W]&'MU-GWYF)EW
M1O\`>O+_`'GIB7?>6$4"#9$8^IC`/_'^B]]H_#W`]$[J@V-\K/YZM9UANZJA
MH\JFU=P;\I]K9UZ?*R,M'DEH-Q;[BJHJ&L<$),T8A)!%^/=_W#=H1XN\R`?)
MA_T#T7S<Y;';.$79+02TX,"/S^/_`&.C@[._DH;%WK@\3NI?YA?RH[+V]GH(
M\MBMP;8[&QTN`S5'4#5'6XK*8NKRM'64LW)$D4KJ?P?:I>70=+-N4I/KV_M&
M.M+S=$X#0;1:Z2>(U4_DW6':_P#*?_EY9OM7</1==\M^\>P.Z=JXRFW+NKJQ
MOD]44^_<1B*GQ&FS>5VGBYHLU2T$XJ8RL[1!"'4@V87L.7X*J#>RMDX[?YXZ
M:;G"5Y#&EM;B4>0+5'VC57_!TK^Q/Y97\I'H'*[1QW=_8.9V/ENP<DV(V72]
ML?*3>&WY]XY99*:)Z#"+E-TXM<M7K+51*4BU.#*H(]0]J#L5B`-3-3YE?^@>
MDD_-UY$4$DL49/#+"O\`QOH2NQOY>?\`*'^.>/P.2[NVOUYL"BW;FHML;:RG
M;7;VZL:NX=Q50UT^$Q%;GMXTYR69J$'[<$;-,X_2#[=79MN0@F,'[:?YNFI>
M9MS0*'OC&#@48C]E3T+>Z_Y<W\K/J[:F2WWV!T!T/LO9F,HTJLON_?N4GQ.#
MH:4J&CJ,AF=S;@BI*9Y>+,\BNYXY/'MX;9MR@$VZ4\J\.FI.8-T1-4NYNL8]
M6H/Y]!G\?^O?Y)GR.W#FMH_'';WPU[BW3@*`Y#.;?V(=L;JS./Q=+514;9*J
MHHIJFJ2@2JG2/[BQC+.!J-Q[U'M^V$DQVT=1Z#IJ+F6^F)2'=V8^@?H0>WJ?
M^4/\7\O2;;[MB^%'3NXLG3Q34VW=\KUI@\_+2:`8*EL-D&&2BHY$8:)GB6-_
MPQM[<^DL5:AAC#?9U2;F*ZC[)MW89X%_\E:]&+Z\Z4^$._=G4&]^K.L/C;O;
M8>7ADKL;NO96UNO]S;;KXD2\LM+F<12UU#-XE%G"R$H18@'CVY]+!3^P2OV=
M;CWB\D37%N#E/4-T$'6/='\JSM7>U+U+U/OCX3[X[!E2H^PV)M>;J/+;DJS2
MRO'5P4&'@BDK*VJII$820Q*\L>DEE`!MX16M="HE?3'2,;T)WT#<]4A-*:\U
M^RO0H]U=@_!#XOT^#R'?F8^-/24&X#6Q;;J.P*/8&T#FFQD<3U\6&.2I*5Z]
MZ&"5#*D(<QHP)`!]N&*`59HT_8.M37XAS<717_3-_@ST)'4>:^,G=6RZ/?\`
MTA5=*=F["RLLL='NGKJ+9NY-O5-73:5GIVR.#CJJ1*VF+`21.1+'<:@+CWY4
MA8`JBD?8.MQW8G77%<ZU]0U?\O0Q0[9VY2_\!=OX2GX4$08J@ANJ_I4Z*=>%
M_']/=]"#@H_9U?4W\1Z=OMZ?3I\$.G_4^)-/TT_33;]/'^M[MU7K_]2XS^:=
M_+R^>787<%/O#XV]G]K]O]5]DUU0N6ZDS/:E3@Z+J/.E3,[8PU^0H,;/U_D[
MDPJ2U10S7C?7&4;V"M\VG=99?$L+IS"V"M6Q]@&/V]2%RQN^P0VQAW2SC\=&
MJ&TID&E,GSK6O1.NM?\`A/3\N-YM3U_:_8G4W6L4VEJRF-9F>P]S0!K%@LE+
M&,)-(G_44`3^?97%REN<^DW5RH'VG^>#T=S<^[-&P>SL)`XQ\*@?+SZL%ZZ_
MX3F_'K"_;R]G=X=K[ZE30TU)MFCP.P\=(PL772L.X:GQ-8CAU/LWAY-LU">-
M*Q8#/"E?S'1'=>X6Y2$K;0(L?S!K_)NCX=<_R=?Y>G7#Q3TO06-W;71``UW8
M&<SVZWE(_MR4=;7KB&8GGBG`O^/9K!R[M<(4>#K`_B`/^0=$5SS9O=S7_&S'
M_I"P_P"?CT=+9GQQZ!Z[")L7I+JO:8A`$4N"V)MF@J%L.+5,.-2HO_CJ/LRB
ML+*&OA6D:U_HCHIFW/<9Q^M?2L/FS?Y^AD@IX::,14T,-/&H&F.&)(HU_P``
MD850/:A$5.U%`3Y"G2)G=Q5F);Y]9+$_DV-R;_7GZ6_I;W?K7V]=@`"W]/?N
MO==^]$@<3U[K3Q^6/Q[Z(^27_"FS&]>_(;IW`=Y=>_\`#=N;W+4=>YW$19C^
M,Y?;]/DI<7_"J.2IHA)GH_,ZT9\T129P0Z&S!/(JR3*C)4!2?MX?ZOMZ#EU&
MDN\%)$+(8:T]2*T_/TZ%?_A,[VC@NL/CE\\NH-Z;RS6RJ#XT?);M/<E-\<>Q
M4R4'8_QGZ@2&NR%+C]SOE+1U%)50X:9R*622"GFIY-1!E%ZVC'PY-1-0QQZ`
M<.G-GGT0W2S/0JQ-.%%&.!^8()\S7JH[J'?79'7O<W67_"E'<%1DXMA?(?\`
MF&[XZ%['V\YB3'X+X6;YB'5.P-TQ^<FI6GH,OA(JAV:Z0BF4_P!L$MQU$GCU
M.DDBG"GKCUZ+XS*EQ^\?%8Q>(P*_"`P`U5!X&E5P>YE&#CJP[_A5/U%D/DQN
MG^51TUL?*XRDW)W-WAV#L[8FXIG+4--G-SX/9";;R$=;3DRQPR5KPLDL9NI(
M8?3WN\5F:(`T&?\`5_FZ?YACEE-F8'()#>9&.W!IZ^G59GS$^;.Z_EC_`"_?
M@;TK\BH1BOF5\)/YG757QZ^0NT,\`-R5U5LYJC#;>[%>DJ(DEGHMPX^*."HJ
M!K$E;$[L;3)=N>32L2`D."`?S(_R=)9KQI(;.!W872`UK6I!%,5R?,'RKPZM
M=^2'3'_#R'\]+M/X8_(7>.[8/A3_`"_^FMB=@5_1N`S>3VW1=N]B[Z3&ROD-
MQR4,\35-%#5Y)8VG0"845,L,+QF5W#Y7QIV5OA`(_P!GT_XKHRD!W#<#$SD0
M(S`BOFFDU\QDMDTJ```:$]'X^4_Q@^%/\F'XM_)WY_\`PW^-&T.J>Y.LOCMN
M38V#.TGRJ8G-MN7-X*/`3[MH,A7Y!,K_``3<J4M6:B0F4QQNC%@PM9E6WC+Q
MKW`?ZJ\.EEQ!%9P22VR4EH0/M;%?\%:>@Z*5_*Q_D7_$'NKXH["^6/S^V;'\
MS/E-\LL)!W5V#V)V?N/=&5BPU/OF(Y;#[7VY#C\_24RPXW&5,?EJ&7R&=BB"
M..-%][CAC-)'&IR//-/LZ366VQ3P)/.Q9G[N-:?F175ZGUP*``=!1TYTN?Y,
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M`/S/BQ5'[*GIR_DVYGHN;^=-\_\`%_RT7IIOY;S]$[`K]WKL<Y$]%TOR,CR&
M'ACDZN%2/X3"M52296ZT-H6C60QCP"/W6+^V(CIX-.GK`!=PE6U!%H`:@^N-
M-!PT\=/GQ\NMOL?[Z_M7T?\`7O?NO=?_U=\";>HBEFB.TM[2>*66'RQ8'7%(
M(Y&C\L+_`'8UPR%=2-;E2#[]U[KC_?C\_P!S]]?TM_=__8WM]W[]U[KW]^?^
MS/WU_P"@_P#_`(W[]U[KW]^?^S/WU_Z#_P#^-^_=>Z]_?G_LS]]?^@__`/C?
MOW7NO?WY_P"S/WU_Z#__`.-^_=>Z]_?G_LS]]?\`H/\`_P"-^_=>Z]_?G_LS
M]]?^@_\`_C?OW7NO?WY_[,_?7_H/_P#XW[]U[K3X^?V^/F3U%_/_`,!\B/A?
M\;ME_);L^A^&])LFCZ2W?W)USL/>]7B<J]6V=W32=?R;SA[-GQ&$B"`URXLT
M!+,/)P#[1RJZW$<J'5@C3YT]>@W?-/%N\<L$>L^&!04)\\T+*?\`5QZ*'N?K
M3YAXCX^?S<NY\W-T]N'^9Q\Y:S:>S?D)\?>F^Y.H8L7\$_C%0/%5;NWIW=5U
M?8M*=GUN6VU&*19,FT<D<:F21V:5F71#CQ2I&MOY#Y_/I,MN?"O9?'!G<L'6
MH!`J6)8`G35J+4$TX_+I==A?RCOY0T'P-S&2VM_,2[#?.4_1Z9/:`SGSCZIK
M/C/6=P4VVC7X_&1[8J=TT>PUP&3WLDE'#"M:(Z=I"RSNR:F\L4?@JJRC^7_%
M_P`^GI+.U.V&);Y-=.-4^+%>X#57U[J^O3SVE)\K.P>L/^$Y7^S,=92;![KZ
M'^2-)A=[1[Q[4Z7QD_9NT,">OZ/8.\>I)<CV-3-VO6[@V?2TLK4>#-=6-*00
MA$D9;;KJ-MJ:A!/'SQ]O^?K<Z2R?1>(VEEU`:J9&I=/GZ<>/EZ](;^?I\8^@
M]W_S#>B_DC\:^V.BD[GK.Y.H]K?+OX]Y?OCHSKWL3&9_:^Y=KY/9O8LVR=X=
MB[>RLVXL]MX+CYJ$TYKZR2.EEC5FD-]7"1ZU>HUUX5'3&[VMN]]!.EP@F'%:
MK6N*5%1Q_//5B'\QCJ'O+;/\R_'_`#T_E+[_`.M=\?.[9'5N$V[\N/@5NS>^
MS*+?/:'345'CUVWN2MV(V\*+<-#%+C9Z>E(J(:1_+'2UE)4>12KN2*5?Q(C5
M_,?ZN!Z,+R.1;E+JRD4S9J@R:XU=M0#C3JS4&A!\B.>Q/EQ\S/FEL/Y%=-_S
M;?Y=U#\!_A%F_C?O#&]E=O[Y[(V_58<[ES&1Q.*HI)=Q9K/X?#[,Q.$I*F6N
M@JZL2+][#$&D7B[C$D$,.PC/R^VM,=*7,TX,-T56W934@,M.%,L!D^5*TIQR
M.B*?$7NS^=G_`"T.J\5\<.BOB1MS^;1\.<935.6^)/R=ZI[+VY105?560J*B
M?!8:NR6+SF:HZ^AII';QQ69J7UI%43P^(1LP^.M5P4'`Y_R5Z26IO(/$BBTM
M;#*L=3*:UKI*@X'H0`/(GH9OA%U=W_V;_,FP/\P+^;GO'KGISYC93K+>&U/@
M?_+RPN]-E5&]]G]?U&.ST.X=XX[9M9O*JW%GJJDI#D(2*:.HEDJ)9ZNJEB6)
M(TT%)D:28BM,#SZU!&\ET\]ZZB0'M7@2:,!@GA2I'F<D^@KF^%/0'P2WQ_)[
M^4O1/SLWK\8NMNT]P?)KY![KZ"[0K^]OC7/N?;N^7QN'K=AP[0[.P_9D\:90
M[@H/MZW`35Z:5G(FA4N)$I%''X3J[C)^51^?2:WALS:3+)+'XVE2""H:H7-<
MY'$&N"M<=-W=6W._MW_'C^03BOYE.S]L;;R71_?/8F![VJ/D)W3T=B<3V5\?
M:,;8@V;NFGRN\NT,=1]GQ9#8LJ"JCQDE9.M-!')(OK#M<A=,0D&1ZD>H_P`G
M5IT5DA%T5"!1IU$</$0\2V:+45_F:];G/Q2W3\.L3UB,=\(=J]85/3E'EJN$
M3_&C'[!RVP9LRJH:J2?(]?92HQ=7E7A*%FG=JCQZ0U@``J73G2,=']N+8*PM
MC'I\]-/YTZ,X-\_]F?OK_8;?_P#QOW;I1UF_OG_DWW/]U-Z?\"OM?M_X%_E/
7^8\_W'B^Z_X"_P!C7?\`7Q;W[KW7_]D_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>13
<FILENAME>g915197dsp002a.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g915197dsp002a.jpg
M_]C_X0IS17AI9@``34T`*@````@`"`$2``,````!``$```$:``4````!````
M;@$;``4````!````=@$H``,````!``(```$Q``(````>````?@$R``(````4
M````G`$[``(````)````L(=I``0````!````O````.@`+<;````G$``MQL``
M`"<0061O8F4@4&AO=&]S:&]P($-3-B`H5VEN9&]W<RD`,C`Q-3HP-3HP,B`P
M-3HP-#HQ.0!R<C$S-3DP,P```````Z`!``,````!__\``*`"``0````!````
M5*`#``0````!````30`````````&`0,``P````$`!@```1H`!0````$```$V
M`1L`!0````$```$^`2@``P````$``@```@$`!`````$```%&`@(`!`````$`
M``DE`````````$@````!````2`````'_V/_M``Q!9&]B95]#30`!_^X`#D%D
M;V)E`&2``````?_;`(0`#`@("`D(#`D)#!$+"@L1%0\,#`\5&!,3%1,3&!$,
M#`P,#`P1#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`$-"PL-#@T0#@X0
M%`X.#A04#@X.#A01#`P,#`P1$0P,#`P,#!$,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`P,#`P,_\``$0@`30!4`P$B``(1`0,1`?_=``0`!O_$`3\```$%`0$!
M`0$!``````````,``0($!08'"`D*"P$``04!`0$!`0$``````````0`"`P0%
M!@<("0H+$``!!`$#`@0"!0<&"`4###,!``(1`P0A$C$%05%A$R)Q@3(&%)&A
ML4(C)!52P6(S-'*"T4,')9)3\.'Q8W,U%J*R@R9$DU1D1<*C=#87TE7B9?*S
MA,/3=>/S1B>4I(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]C='5V=WAY>GM\?7
MY_<1``("`0($!`,$!08'!P8%-0$``A$#(3$2!$%187$B$P4R@9$4H;%"(\%2
MT?`S)&+A<H*20U,58W,T\24&%J*R@P<F-<+21)-4HQ=D154V=&7B\K.$P]-U
MX_-&E*2%M)7$U.3TI;7%U>7U5F9VAI:FML;6YO8G-T=79W>'EZ>WQ__:``P#
M`0`"$0,1`#\`XGZY964SZV=7:RZQK1F70`]T#WN\UC?;<S_3V?Y[O[U<^L]S
M[_K'U2VR-[LNZ8T'\XX+-24F^VYG^GL_SW?WIQG9S2'-R+01J"'ND'[T*NNR
MVQM=;2^QY#6,:"22=&M:T?25F_I'5L:IUV1A9%-38W665/:T2=HW/>T-24[W
M1_\`&+U_!J^QY[AU;IKQMLQ<OW$M_P"#R/YYCOW-WJ,_X-:/5>B=.ZMTBWK_
M`-3LJ\,Q`'=0Z38]QLH:1.^F3N?4R'_G/_D6?H_27"K>^H_7K.A_6/%R9)QK
MG"C+K[.JL.Q^X?G>G_/?];24X_VW,_T]G^>[^]+[;F?Z>S_/=_>MKZ^=!KZ#
M]9\O"H&W%>1?C-["NWW^FW^32_?3_P!;7/I*;WI]<&/]J+<K[/$^M%FR/WO4
M^@@-S\YK@YN1:'`R"'N!!'S6WE_7WZP970*_J^7558%=;*8K9#W5U@!C'V.<
M_P#=;OVKG4E/4?\`/OZT_P#-O]G?;K-GK;?M&X^OZ>S^C_:/YSTMW_7/\'_-
M>Q)9'[.ZA^P/VA]FL^Q?:-OVG:?3W;=NW=_6224__]#SGZP?\O=2_P##=_\`
MY\>J"/GO?9G9-ECB][[7N<X\DEQ+G%`24[?U(I;=];^D,<8`RJWR/%A]1O\`
MU"]3_P`<'6L;$^K)Z7O!RNH/8&U?G"NMPN?=_5]2JNM>.=)ZGD=)ZEC]2Q@U
MU^,[?6+`2V8CW-:6INI]4S^K9MF=U"YV1DVGW/=X=FM:/:QC?S6,24U4ARDM
M[ZC]!NZ[]9,/$:TNHK>+\IT2&U5D/?N_XW^9;_+L24])_CF$=7Z9N+2_[$-Q
M`B?>_M^ZO/5T/U^ZW7UOZU9N72[=C5N%&.X&065#T][/Y%MGJ6L_XQ<\DI]#
MS?\`%7BX_P!6'_6!O4W0W#;EBAU0U)K;;Z7K>K^<]VS^;7GK'N8]KV_2:01(
M!$C7Z+O:O1/\8GU]Q<[IM7U<Z0X68S6U_;,EGT'E@:YE%'_!L>W<]Z\Z24^D
M_P#CC=5_\;^/1J^U_:/L/K[&;-FSU_4^R[/0]3;^B^AZ7^$27)?^L/\`^U3_
M`-UTDE/_T?,NHU/IZAE4V"'UW6,>`9U:YS7:JNNG_P`9/3'].^N&>UPAF4[[
M54?%MON=_P""^JU<PDI222].^H'4?J]F=)_9^-@=/J^M%0C&=F5[F9$>Z1;[
MK&7;&^]K7?3_`$S/\(DIXKH/U0^L'7[6MP,5WHGZ658"REH_>=<X;7?U*]]B
MZ/JG6.E?5#H]OU=^KEXR^J98CJO5606@06NQ<5_\F?\`K/\`Q_\`,4?KE]8_
MKX;W],ZZ]^#69'V6EHJI<W^0^O\`I-/_`%VU<BDI22222E(F+BY&7DU8N,PV
MWWO%=5;>7.<=K6K3^K_U3Z[]8KO3Z9C%]8,69#_;4S^O:?\`J&?I%V;\SZL?
MXN\9]?37U]7^M+FEKLGFJC=HX""YK-O^C:[U[/\`#>G7^C24]-_S'P/^8_\`
MS4^TU_M#=ZGJ2/Z;M^U>GQ]'TO9_I?LGZ1)4OV/U7_QM/VCZA_;7J_MWUMHW
M^K/K;_\`C/L7M^C_`,!_-I)*?__2V/\`&S]57=6Z2WJV(W=F=,:XO8T27T$A
MUG_L/_/-_P"OKQ)?52\?_P`8'^+"_$MMZO\`5^IUV*\E^1A,$OJ)]SGT-'\Y
M1_P?TZ?^*_FDI\U2:XM(<TD.!D$:$$)))*>LZ5_C&ZKCXHZ?UBBGKG3@`T4Y
M8!>T#3]'D0[_`,%9:KAS/\4_46[KL/.Z1<^=PH<+*VF/I-WNM]O_`%E<.DDI
M[>K!_P`4C'[K.H]2M;'T"P#\6T*3?K%_BWZ42[I?0;>HW`#;9GO&V?'TIOK_
M`/`EPR22GI^M_P",3ZQ=6H.&RQG3\#@8N&WTV[?W7O\`YQW^=Z?_``:!]1_J
MS;]9.O4XFT_9*B+<U_85-/T/Z]_\TS_/_,5/ZN_5OJGUCZ@W"Z=7NX-UQTKJ
M83'J6N_[Y].Q>_?5?ZK].^K/3&X.$-SW>[(R'"'VO_?=^ZUO^"K_`,'_`--)
M3K>FS9Z>T>G&W9&D<;=O[J2DDDI__]/U5))))3R?UE_Q:_5WKY=>&'`S7:G(
MQP`''_AJ?YNS_P`#L_X1>7?6#_%C]9^C%]E=/[0Q&R?7Q@7$`=[*/YUG_@B]
M]224_*I!!((@C0@I+V+_`!C#_%N;'#J9+>K:[CTX--X/_=ILMQW?^A+O6_T:
M\WZ.SZHCJI_:U^:_IS7#TQ72QKW#QR(R+/1:W\[T/7>__@TE-#I?2.I=7RAB
M=-QWY5[M=C!P/WGO/LK9_+L<O2OJ]_B7T;?]8<F#S]DQC_Y]R'#_`*-3/^O+
MO_JS_P`V_P!FL_YM^A]B_P"`YG_AI_3>K_Q_Z5:R2FITWI73NE8K</IV.S&Q
MV\,K$2?WGN^D]_\`+>K:222E))))*?_9_^T2F%!H;W1O<VAO<"`S+C``.$))
M300$``````!A'`%:``,;)4<<`@```JV<'`)0``AR<C$S-3DP,QP"!0!`36EC
M<F]S;V9T(%=O<F0@+2!(;W)I>F]N($)A;F-O<G`@+2!096]P;&5S($)A;F-O
M<G`@1F]R;2!3+30@2F]I;@`X0DE-!"4``````!!J<&'GB#["4`ZQ[%H&^-->
M.$))300Z``````#E````$`````$```````MP<FEN=$]U='!U=`````4`````
M4'-T4V)O;VP!`````$EN=&5E;G5M`````$EN=&4`````0VQR;0````]P<FEN
M=%-I>'1E96Y":71B;V]L``````MP<FEN=&5R3F%M951%6%0````!```````/
M<')I;G10<F]O9E-E='5P3V)J8P````P`4`!R`&\`;P!F`"``4P!E`'0`=0!P
M```````*<')O;V93971U<`````$`````0FQT;F5N=6T````,8G5I;'1I;E!R
M;V]F````"7!R;V]F0TU92P`X0DE-!#L``````BT````0`````0``````$G!R
M:6YT3W5T<'5T3W!T:6]N<P```!<`````0W!T;F)O;VP``````$-L8G)B;V]L
M``````!29W--8F]O;```````0W)N0V)O;VP``````$-N=$-B;V]L``````!,
M8FQS8F]O;```````3F=T=F)O;VP``````$5M;$1B;V]L``````!);G1R8F]O
M;```````0F-K9T]B:F,````!````````4D="0P````,`````4F0@(&1O=6)`
M;^````````````!'<FX@9&]U8D!OX````````````$)L("!D;W5B0&_@````
M````````0G)D5%5N=$8C4FQT````````````````0FQD(%5N=$8C4FQT````
M````````````4G-L=%5N=$8C4'AL0'+````````````*=F5C=&]R1&%T86)O
M;VP!`````%!G4'-E;G5M`````%!G4',`````4&=00P````!,969T56YT1B-2
M;'0```````````````!4;W`@56YT1B-2;'0```````````````!38VP@56YT
M1B-0<F-`60```````````!!C<F]P5VAE;E!R:6YT:6YG8F]O;``````.8W)O
M<%)E8W1";W1T;VUL;VYG``````````QC<F]P4F5C=$QE9G1L;VYG````````
M``UC<F]P4F5C=%)I9VAT;&]N9P`````````+8W)O<%)E8W14;W!L;VYG````
M```X0DE-`^T``````!`!+`````$``@$L`````0`".$))300F```````.````
M`````````#^````X0DE-!`T```````0```!X.$))3009```````$````'CA"
M24T#\P``````"0```````````0`X0DE-)Q````````H``0`````````".$))
M30/U``````!(`"]F9@`!`&QF9@`&```````!`"]F9@`!`*&9F@`&```````!
M`#(````!`%H````&```````!`#4````!`"T````&```````!.$))30/X````
M``!P``#_____________________________`^@`````________________
M_____________P/H`````/____________________________\#Z`````#_
M____________________________`^@``#A"24T$"```````$`````$```)`
M```"0``````X0DE-!!X```````0`````.$))300:``````--````!@``````
M````````30```%0````,`#D`,0`U`#$`.0`W`%\`,``P`#$`+0`R`````0``
M```````````````````````!``````````````!4````30``````````````
M```````!`````````````````````````!`````!````````;G5L;`````(`
M```&8F]U;F1S3V)J8P````$```````!28W0Q````!`````!4;W`@;&]N9P``
M````````3&5F=&QO;F<``````````$)T;VUL;VYG````30````!29VAT;&]N
M9P```%0````&<VQI8V5S5FQ,<P````%/8FIC`````0``````!7-L:6-E````
M$@````=S;&EC94E$;&]N9P`````````'9W)O=7!)1&QO;F<`````````!F]R
M:6=I;F5N=6T````,15-L:6-E3W)I9VEN````#6%U=&]'96YE<F%T960`````
M5'EP965N=6T````*15-L:6-E5'EP90````!);6<@````!F)O=6YD<T]B:F,`
M```!````````4F-T,0````0`````5&]P(&QO;F<``````````$QE9G1L;VYG
M``````````!"=&]M;&]N9P```$T`````4F=H=&QO;F<```!4`````W5R;%1%
M6%0````!````````;G5L;%1%6%0````!````````37-G951%6%0````!````
M```&86QT5&%G5$585`````$```````YC96QL5&5X=$ES2%1-3&)O;VP!````
M"&-E;&Q497AT5$585`````$```````EH;W)Z06QI9VYE;G5M````#T53;&EC
M94AO<GI!;&EG;@````=D969A=6QT````"79E<G1!;&EG;F5N=6T````/15-L
M:6-E5F5R=$%L:6=N````!V1E9F%U;'0````+8F=#;VQO<E1Y<&5E;G5M````
M$453;&EC94)'0V]L;W)4>7!E`````$YO;F4````)=&]P3W5T<V5T;&]N9P``
M```````*;&5F=$]U='-E=&QO;F<`````````#&)O='1O;4]U='-E=&QO;F<`
M````````"W)I9VAT3W5T<V5T;&]N9P``````.$))300H```````,`````C_P
M````````.$))3001```````!`0`X0DE-!!0```````0````".$))300,````
M``E!`````0```%0```!-````_```2\P```DE`!@``?_8_^T`#$%D;V)E7T--
M``'_[@`.061O8F4`9(`````!_]L`A``,"`@("0@,"0D,$0L*"Q$5#PP,#Q48
M$Q,5$Q,8$0P,#`P,#!$,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,`0T+
M"PT.#1`.#A`4#@X.%!0.#@X.%!$,#`P,#!$1#`P,#`P,$0P,#`P,#`P,#`P,
M#`P,#`P,#`P,#`P,#`P,#`S_P``1"`!-`%0#`2(``A$!`Q$!_]T`!``&_\0!
M/P```04!`0$!`0$``````````P`!`@0%!@<("0H+`0`!!0$!`0$!`0``````
M```!``(#!`4&!P@)"@L0``$$`0,"!`(%!P8(!0,,,P$``A$#!"$2,05!46$3
M(G&!,@84D:&Q0B,D%5+!8C,T<H+10P<EDE/PX?%C<S46HK*#)D235&1%PJ-T
M-A?25>)E\K.$P]-UX_-&)Y2DA;25Q-3D]*6UQ=7E]59F=H:6IK;&UN;V-T=7
M9W>'EZ>WQ]?G]Q$``@(!`@0$`P0%!@<'!@4U`0`"$0,A,1($05%A<2(3!3*!
MD12AL4(CP5+1\#,D8N%R@I)#4Q5C<S3Q)086HK*#!R8UPM)$DU2C%V1%539T
M9>+RLX3#TW7C\T:4I(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]B<W1U=G=X>7
MI[?'_]H`#`,!``(1`Q$`/P#B?KEE93/K9U=K+K&M&9=`#W0/>[S6-]MS/]/9
M_GN_O5SZSW/O^L?5+;(WNR[IC0?SC@LU)2;[;F?Z>S_/=_>G&=G-(<W(M!&H
M(>Z0?O0JZ[+;&UUM+['D-8QH)))T:UK1])6;^D=6QJG79&%D4U-C=994]K1)
MVC<][0U)3O='_P`8O7\&K['GN'5NFO&VS%R_<2W_`(/(_GF._<W>HS_@UH]5
MZ)T[JW2+>O\`U.RKPS$`=U#I-CW&RAI$[Z9.Y]3(?^<_^19^C])<*M[ZC]>L
MZ']8\7)DG&N<*,NOLZJP['[A^=Z?\]_UM)3C_;<S_3V?Y[O[TOMN9_I[/\]W
M]ZVOKYT&OH/UGR\*@;<5Y%^,WL*[??Z;?Y-+]]/_`%M<^DIO>GUP8_VHMROL
M\3ZT6;(_>]3Z"`W/SFN#FY%H<#((>X$$?-;>7]??K!E=`K^KY=55@5ULIBMD
M/=76`&,?8YS_`-UN_:N=24]1_P`^_K3_`,V_V=]NLV>MM^T;CZ_I[/Z/]H_G
M/2W?]<_P?\U[$ED?L[J'[`_:'V:S[%]HV_:=I]/=MV[=W]9))3__T/.?K!_R
M]U+_`,-W_P#GQZH(^>]]F=DV6.+WOM>YSCR27$N<4!)3M_4BEMWUOZ0QQ@#*
MK?(\6'U&_P#4+U/_`!P=:QL3ZLGI>\'*Z@]@;5^<*ZW"Y]W]7U*JZUXYTGJ>
M1TGJ6/U+&#77XSM]8L!+9B/<UI:FZGU3/ZMFV9W4+G9&3:?<]WAV:UH]K&-_
M-8Q)352'*2WOJ/T&[KOUDP\1K2ZBMXORG1(;560]^[_C?YEO\NQ)3TG^.81U
M?IFXM+_L0W$")][^W[J\]70_7[K=?6_K5FY=+MV-6X48[@9!94/3WL_D6V>I
M:S_C%SR2GT/-_P`5>+C_`%8?]8&]3=#<-N6*'5#4FMMOI>MZOYSW;/YM>>L>
MYCVO;])I!$@$2-?HN]J]$_QB?7W%SNFU?5SI#A9C-;7]LR6?0>6!KF44?\&Q
M[=SWKSI)3Z3_`..-U7_QOX]&K[7]H^P^OL9LV;/7]3[+L]#U-OZ+Z'I?X1)<
ME_ZP_P#[5/\`W7224__1\RZC4^GJ&538(?7=8QX!G5KG-=JJZZ?_`!D],?T[
MZX9[7"&93OM51\6V^YW_`(+ZK5S"2E))+T[Z@=1^KV9TG]GXV!T^KZT5",9V
M97N9D1[I%ONL9=L;[VM=]/\`3,_PB2GBN@_5#ZP=?M:W`Q7>B?I95@+*6C]Y
MUSAM=_4KWV+H^J=8Z5]4.CV_5WZN7C+ZIEB.J]59!:!!:[%Q7_R9_P"L_P#'
M_P`Q1^N7UC^OAO?TSKKWX-9D?9:6BJES?Y#Z_P"DT_\`7;5R*2E))))*4B8N
M+D9>35BXS#;?>\5U5MY<YQVM:M/ZO_5/KOUBN]/IF,7U@Q9D/]M3/Z]I_P"H
M9^D79OS/JQ_B[QGU]-?7U?ZTN:6NR>:J-VC@(+FLV_Z-KO7L_P`-Z=?Z-)3T
MW_,?`_YC_P#-3[37^T-WJ>I(_INW[5Z?'T?2]G^E^R?I$E2_8_5?_&T_:/J'
M]M>K^W?6VC?ZL^MO_P",^Q>WZ/\`P'\VDDI__]+8_P`;/U5=U;I+>K8C=V9T
MQKB]C1)?02'6?^P_\\W_`*^O$E]5+Q__`!@?XL+\2VWJ_P!7ZG78KR7Y&$P2
M^HGW.?0T?SE'_!_3I_XK^:2GS5)KBTAS20X&01H00DDDIZSI7^,;JN/BCI_6
M**>N=.`#13E@%[0-/T>1#O\`P5EJN',_Q3]1;NNP\[I%SYW"APLK:8^DW>ZW
MV_\`65PZ22GMZL'_`!2,?NLZCU*UL?0+`/Q;0I-^L7^+?I1+NE]!MZC<`-MF
M>\;9\?2F^O\`\"7#))*>GZW_`(Q/K%U:@X;+&=/P.!BX;?3;M_=>_P#G'?YW
MI_\`!H'U'^K-OUDZ]3B;3]DJ(MS7]A4T_0_KW_S3/\_\Q4_J[]6^J?6/J#<+
MIU>[@W7'2NIA,>I:[_OGT[%[]]5_JOT[ZL],;@X0W/=[LC(<(?:_]]W[K6_X
M*O\`P?\`TTE.MZ;-GI[1Z<;=D:1QMV_NI*222G__T_54DDDE/)_67_%K]7>O
MEUX8<#-=J<C'``<?^&I_F[/_``.S_A%Y=]8/\6/UGZ,7V5T_M#$;)]?&!<0!
MWLH_G6?^"+WU))3\JD$$@B"-""DO8O\`&,/\6YL<.IDMZMKN/3@TW@_]VFRW
M'=_Z$N];_1KS?H[/JB.JG]K7YK^G-</3%=+&O</'(C(L]%K?SO0]=[_^#24T
M.E](ZEU?*&)TW'?E7NUV,'`_>>\^RMG\NQR]*^KW^)?1M_UAR8//V3&/_GW(
M</\`HU,_Z\N_^K/_`#;_`&:S_FWZ'V+_`(#F?^&G]-ZO_'_I5K)*:G3>E=.Z
M5BMP^G8[,;';PRL1)_>>[Z3W_P`MZMI))*4DDDDI_]D`.$))300A``````!5
M`````0$````/`$$`9`!O`&(`90`@`%``:`!O`'0`;P!S`&@`;P!P````$P!!
M`&0`;P!B`&4`(`!0`&@`;P!T`&\`<P!H`&\`<``@`$,`4P`V`````0`X0DE-
M!`8```````<`"`````$!`/_A$;=H='1P.B\O;G,N861O8F4N8V]M+WAA<"\Q
M+C`O`#P_>'!A8VME="!B96=I;CTB[[N_(B!I9#TB5S5-,$UP0V5H:4AZ<F53
M>DY48WIK8SED(C\^(#QX.GAM<&UE=&$@>&UL;G,Z>#TB861O8F4Z;G,Z;65T
M82\B('@Z>&UP=&L](D%D;V)E(%A-4"!#;W)E(#4N,RUC,#$Q(#8V+C$T-38V
M,2P@,C`Q,B\P,B\P-BTQ-#HU-CHR-R`@("`@("`@(CX@/')D9CI21$8@>&UL
M;G,Z<F1F/2)H='1P.B\O=W=W+G<S+F]R9R\Q.3DY+S`R+S(R+7)D9BUS>6YT
M87@M;G,C(CX@/')D9CI$97-C<FEP=&EO;B!R9&8Z86)O=70](B(@>&UL;G,Z
M9&,](FAT='`Z+R]P=7)L+F]R9R]D8R]E;&5M96YT<R\Q+C$O(B!X;6QN<SIX
M;7`](FAT='`Z+R]N<RYA9&]B92YC;VTO>&%P+S$N,"\B('AM;&YS.G!D9CTB
M:'1T<#HO+VYS+F%D;V)E+F-O;2]P9&8O,2XS+R(@>&UL;G,Z>&UP34T](FAT
M='`Z+R]N<RYA9&]B92YC;VTO>&%P+S$N,"]M;2\B('AM;&YS.G-T179T/2)H
M='1P.B\O;G,N861O8F4N8V]M+WAA<"\Q+C`O<U1Y<&4O4F5S;W5R8V5%=F5N
M=",B('AM;&YS.G-T4F5F/2)H='1P.B\O;G,N861O8F4N8V]M+WAA<"\Q+C`O
M<U1Y<&4O4F5S;W5R8V52968C(B!X;6QN<SIP9&9X/2)H='1P.B\O;G,N861O
M8F4N8V]M+W!D9G@O,2XS+R(@>&UL;G,Z<&AO=&]S:&]P/2)H='1P.B\O;G,N
M861O8F4N8V]M+W!H;W1O<VAO<"\Q+C`O(B!D8SIF;W)M870](FEM86=E+VIP
M96<B('AM<#I#<F5A=&5$871E/2(R,#$U+3`U+3`Q5#$V.C(U.C$R+3`U.C`P
M(B!X;7`Z0W)E871O<E1O;VP](E1O;VQK:70@:'1T<#HO+W=W=RYA8W1I=F5P
M9&8N8V]M(B!X;7`Z365T861A=&%$871E/2(R,#$U+3`U+3`R5#`U.C`T.C$Y
M*S`U.C,P(B!X;7`Z36]D:69Y1&%T93TB,C`Q-2TP-2TP,E0P-3HP-#HQ.2LP
M-3HS,"(@<&1F.E!R;V1U8V5R/2)4;V]L:VET(&AT='`Z+R]W=W<N86-T:79E
M<&1F+F-O;2(@>&UP34TZ1&]C=6UE;G1)1#TB>&UP+F1I9#I#030Y1C(S-C4X
M1C!%-#$Q.#9!,3@X.3@Y,D5%-D1&-2(@>&UP34TZ26YS=&%N8V5)1#TB>&UP
M+FEI9#I#0C0Y1C(S-C4X1C!%-#$Q.#9!,3@X.3@Y,D5%-D1&-2(@>&UP34TZ
M3W)I9VEN86Q$;V-U;65N=$E$/2)U=6ED.C`R8F5D-65E+64V8V$M-#DW82UB
M93AD+60V9#8S9&8Y930U,B(@<&1F>#I!4%1+5D52/2(U+C4N,"XQ-3`R."!0
M<F\@4')O9'5C=&EO;BTS,B(@<&AO=&]S:&]P.D-O;&]R36]D93TB,R(^(#QD
M8SIT:71L93X@/')D9CI!;'0^(#QR9&8Z;&D@>&UL.FQA;F<](G@M9&5F875L
M="(^36EC<F]S;V9T(%=O<F0@+2!(;W)I>F]N($)A;F-O<G`@+2!096]P;&5S
M($)A;F-O<G`@1F]R;2!3+30@2F]I;G0@4')O>'D@4W1A=&5M96YT+5!R;W-P
M96-T=7,N9&]C>#PO<F1F.FQI/B`\+W)D9CI!;'0^(#PO9&,Z=&ET;&4^(#QD
M8SIC<F5A=&]R/B`\<F1F.E-E<3X@/')D9CIL:3YR<C$S-3DP,SPO<F1F.FQI
M/B`\+W)D9CI397$^(#PO9&,Z8W)E871O<CX@/'AM<$U-.DAI<W1O<GD^(#QR
M9&8Z4V5Q/B`\<F1F.FQI('-T179T.F%C=&EO;CTB8V]N=F5R=&5D(B!S=$5V
M=#IP87)A;65T97)S/2)F<F]M(&%P<&QI8V%T:6]N+W!D9B!T;R!A<'!L:6-A
M=&EO;B]V;F0N861O8F4N<&AO=&]S:&]P(B\^(#QR9&8Z;&D@<W1%=G0Z86-T
M:6]N/2)S879E9"(@<W1%=G0Z:6YS=&%N8V5)1#TB>&UP+FEI9#I#030Y1C(S
M-C4X1C!%-#$Q.#9!,3@X.3@Y,D5%-D1&-2(@<W1%=G0Z=VAE;CTB,C`Q-2TP
M-2TP,E0P-3HP-#HQ.2LP-3HS,"(@<W1%=G0Z<V]F='=A<F5!9V5N=#TB061O
M8F4@4&AO=&]S:&]P($-3-B`H5VEN9&]W<RDB('-T179T.F-H86YG960](B\B
M+SX@/')D9CIL:2!S=$5V=#IA8W1I;VX](F-O;G9E<G1E9"(@<W1%=G0Z<&%R
M86UE=&5R<STB9G)O;2!A<'!L:6-A=&EO;B]P9&8@=&\@:6UA9V4O:G!E9R(O
M/B`\<F1F.FQI('-T179T.F%C=&EO;CTB9&5R:79E9"(@<W1%=G0Z<&%R86UE
M=&5R<STB8V]N=F5R=&5D(&9R;VT@87!P;&EC871I;VXO=FYD+F%D;V)E+G!H
M;W1O<VAO<"!T;R!I;6%G92]J<&5G(B\^(#QR9&8Z;&D@<W1%=G0Z86-T:6]N
M/2)S879E9"(@<W1%=G0Z:6YS=&%N8V5)1#TB>&UP+FEI9#I#0C0Y1C(S-C4X
M1C!%-#$Q.#9!,3@X.3@Y,D5%-D1&-2(@<W1%=G0Z=VAE;CTB,C`Q-2TP-2TP
M,E0P-3HP-#HQ.2LP-3HS,"(@<W1%=G0Z<V]F='=A<F5!9V5N=#TB061O8F4@
M4&AO=&]S:&]P($-3-B`H5VEN9&]W<RDB('-T179T.F-H86YG960](B\B+SX@
M/"]R9&8Z4V5Q/B`\+WAM<$U-.DAI<W1O<GD^(#QX;7!-33I$97)I=F5D1G)O
M;2!S=%)E9CII;G-T86YC94E$/2)X;7`N:6ED.D-!-#E&,C,V-3A&,$4T,3$X
M-D$Q.#@Y.#DR144V1$8U(B!S=%)E9CID;V-U;65N=$E$/2)X;7`N9&ED.D-!
M-#E&,C,V-3A&,$4T,3$X-D$Q.#@Y.#DR144V1$8U(B!S=%)E9CIO<FEG:6YA
M;$1O8W5M96YT240](G5U:60Z,#)B960U964M939C82TT.3=A+6)E.&0M9#9D
M-C-D9CEE-#4R(B\^(#PO<F1F.D1E<V-R:7!T:6]N/B`\+W)D9CI21$8^(#PO
M>#IX;7!M971A/B`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@(#P_>'!A8VME="!E
M;F0](G<B/S[_[@`.061O8F4`9$`````!_]L`A``!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`@("`@("`@("`@(#`P,#`P,#
M`P,#`0$!`0$!`0$!`0$"`@$"`@,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P/_P``1"`!-`%0#`1$``A$!`Q$!_]T`
M!``+_\0!H@````8"`P$`````````````!P@&!00)`PH"`0`+`0``!@,!`0$`
M```````````&!00#!P((`0D`"@L0``(!`P0!`P,"`P,#`@8)=0$"`P01!1(&
M(0<3(@`(,11!,B,5"5%"%F$D,Q=2<8$88I$E0Z&Q\"8T<@H9P=$U)^%3-H+Q
MDJ)$5'-%1C='8RA55E<:LL+2XO)D@W23A&6CL\/3XRDX9O-U*CDZ2$E*6%E:
M9VAI:G9W>'EZA8:'B(F*E)66EYB9FJ2EIJ>HJ:JTM;:WN+FZQ,7&Q\C)RM35
MUM?8V=KDY>;GZ.GJ]/7V]_CY^A$``@$#`@0$`P4$!`0&!@5M`0(#$00A$@4Q
M!@`B$T%1!S)A%'$(0H$CD152H6(6,PFQ),'10W+P%^&"-"624QAC1/&BLB8U
M&50V160G"G.#DT9TPM+B\E5E=58WA(6CL\/3X_,I&I2DM,34Y/25I;7%U>7U
M*$=79CAVAI:FML;6YO9G=X>7I[?'U^?W2%AH>(B8J+C(V.CX.4E9:7F)F:FY
MR=GI^2HZ2EIJ>HJ:JKK*VNKZ_]H`#`,!``(1`Q$`/P#5R_G(=J=HX3^:Y_,3
MQ6([,[#QV-HOF)WW#14%)O?<\-)1P?Z0\XR4U)3IE!%34D`;3%$@6.*,!$54
M4`>Z]U6O_IH[B_Y^QV7_`.AWNG_ZZ^_=>Z]_IH[B_P"?L=E_^AWNG_ZZ^_=>
MZD4G>?=E!54U=0]P]IT5;15$-71UE)V#NVGJJ2JII%FIZFFJ(<NDT%1!,@='
M0AE8`@@CW[KW5SOQ!_X44?/;X_[9EZ3^0F<Q_P`]OB=N#&_W<WKT%\H:FJW3
MD*W;,\T;54&T>Y)(ZKLC;.8@IT\=`];4YG&8^RO'CRZ(R>Z]T<[Y5?"7XZ_,
MKXC=@_S$_P"2+WGWC08+HO#46Y?F!_+TWWV3O?+=E?'#`56)%?5;CZRJ\ADJ
MS-[GZ_V]!CJ^IE>>MRE+54%%6345>):&?%1>Z]UK&?Z:.XO^?L=E_P#H=[I_
M^NOOW7NO?Z:.XO\`G['9?_H=[I_^NOOW7NA@DP7S?BV`W:\N'^5<?5JX^'+-
MV5)C^W$V`N+J)HJ>#)-O%H1MT8^>HG1$F^Y\;.ZJ"20/?NO=!30][=WXRMH\
MEC>Y.U<?D<?54]=05]#V'NZDK:&MI)4GI:RCJH,O'/355-/&KQR(RNCJ"""/
M?NO=7(_\/L?S2O\`AMW_`&6C_9J^Q_X)_IK_`()_I?\`[SYK_9A/]'/]P_N/
M]$'^EK[K^]7]P_XK_E?E^Y_C.C_(/O/X7_D7OW7NO__0TX/YFF\\UV%_,7^=
MF\=Q?9?QG-_+KY#S5W\.IC1T7DINUMTT,?@IS),T:^"E6]W9F:Y)))/OW7NB
M/>_=>Z=L!@,[NK.8?;&U\+EMR;EW%E*#";?V]@,=69C.9W-92JBH<9B,/B<=
M#45^3RF1K9TA@IX(WEFE=412Q`]^Z]T-^^OB/\KNK]KY+>_9GQC^0O7>R\,U
M&F8W?OKI?LC:.U\4V1K:?&8]<EG\_MK'XFA:NR-7%3PB653+/*B+=F`/NO=%
MZ]^Z]U;;_)#^=NX_Y?\`_,7Z#[02NK9NJ.PMT8WI'Y"[02:(XC>/3?:&1I-M
MYX9C'5,4M+E&V7D:JDW'10-XO-6XB*%I4BEEO[KW3S_/C^">"_EY_P`SGY"=
M';#QJXGI[<V0QO=72&-ABDBHL/UEVM#-GZ+:>*$S3228;KW<RY3;E'*\LTLU
M+B(Y)9&E9[>Z]U3S[]U[JZ+MG^?7_,`[;^`^U/Y;M9G.K]F?&K:_777G4DM+
ML784F-WSN?KCK/&XO'8#:NY=W9C.YZ22CK6PE'/D):*"AJ:V2GT/(*>6>"7W
M7NJ7??NO='5_V77Y`?[(+_LQO^A3LO\`V7W_`&8K^[O^FK^Z]9_HZ_CW]T?X
M3_#?X[_VMO\`(_NO']C]_P#Y)Y_NOV??NO=?_]'2U^?O_9=WS6_\6V^1_P#[
M^/>7OW7NBD^_=>ZM,_DB;2H]Z_S=/Y=N%KJJ:CAIOE9U1NB.>GA$TOWNQMP0
M;VQL(5IJ?0E5D=O11-(&U1*Y=0Q4*?=>ZWXO^%?OS,ZUZ<_EI9#XE2;EPU5W
M-\M=\]=4N,V''/)-N&AZLZRWOB^S=R]BU=+`ZQX_!0;LV1B</!)4D&LJL@XI
MHY12U<E-[KW7RT??NO=9(K&6,,5`\B7+BZ@:A<L"0"H'UY^GOW7NMQK_`(69
MT_@^77P=^^GPM;N(_"7")G<CBZ"GQDF1FA[*WK&E7]B*BLR%'B9JH5#4<,TT
MR0@R(CLPD)]U[K3A]^Z]UN3]U_\`"6#K+K3^63N+^8]C?G'N(46+^'&WOE)C
MNJMP]+8!8:W,9OJ?"[[IM@OV)3=IT<)&9W!DQCZ.JCPYD_>B00S2<R>Z]UIU
M8;+5V`S&*SN,:G3)87)4.6Q[U=#0Y.E2NQU5%64C5.-R=-68W(4ZSPJ7@J(9
M8)5NLB,A*GW7NMUG_H(P^5'_``P']O\`Z-.I/]./^S%?[)1_I3_T?]<_W"_N
M#_HT_P!+/]\?]`G]S/\`19_?/^#?[@_L_P"%_P`"U?[D?M_-_DWOW7NO_]+1
M7[ZS.8W%WEW/N#<.4K<YG\[VQV+F<YFLG-]QD<QF,IN_,5N3RF0GTKYZW(5L
M[RRO8:I')MS[]U[H)_?NO=&)^)GR:W_\-?D=U)\H>J\?M7*=B]+[H7>&SJ+>
MV-K\OM9\Y#05U#22YC&8O+8.NK:>E-<95CCJX;R(MR5NI]U[J#\FOE!WU\QN
MYMW_`"!^2G96X.UNV=[U,<V<W3N"2G3QTM,ABQV$P>)Q\%'A=M;:P]/^U18W
M'T]-0TD0TQ1*+W]U[H!/?NO=6U?R0O@CNS^8-_,C^.73^,P55DNNMH;WP7<7
M?&8.,FR&$V_T[UGF,?N+<E/G9(Y84H4WU64U+MFAD9B!DLU3DHZAQ[]U[I2?
MS\/FK@?GC_--^3/<6Q<NN;ZGVKG<=TCT_DZ>KIZ[%Y38/4%$NTAN7;]522/3
MS[:WUNRFRNX,<RA6-'EH]:B37[]U[JG'W[KW6Z-_PH>_GU=8]_\`QQV'_+(^
M%F>PV\.I<7MCJ9_D;W5M=%CV5O:NV)BMN9O;O4W5:+3T0JMF[=W3BZ6MRF2%
M/3I/78ZGI*1?MHJAZCW7NM+GW[KW5JUF_P"&0+Z)-/\`PZM;R>*3PZO]E&_1
MYM/B\EN=-]5N;6]^Z]U__]/1C^1>V<WLKY!=Z[-W+30T>X]I=R=G;9S]'35<
M&0IZ7-X'>V<Q65IH*^F9J:MA@KJ214FC)210&4V(]^Z]T#?OW7NO>_=>Z][]
MU[JS+X(?R@_G]_,6W+A\?\=^A-U#8%?,/XOWWV%C<KL7H3:V.0WK<GE>R<KC
M3C<L:"']QZ##)E,M(G,5))[]U[JZ3Y1?,/XK_P`E;X>=A?RROY8_:N&[T^8O
M>]*F*^?OS[VA#AJK;V*QDV&K\-F.ANBL_3K6R,N,CR%13+64M3.FWEJJR2.H
M;.U<APGNO=:E/OW7NO>_=>Z][]U[I==8=9[\[G[&V-U'U;M?*;U['[+W7@=C
M[&VEA81/E-Q;IW-DJ?$X7$T2.T<2RUE?5(FN1DBC!+NRHK,/=>Z^H=_PQ_T5
M_P`,?_\`#/7^FG8?^S/?QO\`OY_>[^)X7[?_`&?/^Y?^GC^Z>G^'_P`1_@G]
MP/\`<9;[;^/?Z/\`_<CX;\>_=>Z__]371_X4B_&3,_&+^<'\LL?6TT4&W^[M
MST_R4V//#*TJ5NW^XA/F<Q(`:*@6#[#L"ES=#XE5UC%)822?J/NO=46^_=>Z
M][]U[K>M_D$?(O\`E\]U_%`_&_K+XG?R\-F_SD=B8X4/2.=^6?4,VX>O_E.,
M+/396GR-#OIZG)[LV_V7/M7"S4N3H:"MI&&4\>7H:.JI6KJ.C]U[JH/^<C_,
M9_GO3[VW/\5OY@6XM]_&C:=3'DZ&+HGJ?;E#U1TMO/:`F>C:#`;HV7+53=U=
M;BGDCIX_N]P9['A45'`G5_?NO=:YWOW7NO>_=>Z][]U[JQGX!?RHOG/_`#+M
MWKMWXK]+Y?<&V:/(T^/W5W!NHR[3Z9V,9UG<R;EW[74TE)+4Q14SN<?C(LCE
MY%7]JDD-A[]U[K9?RO;G\L/_`(3/=<[AVO\`%W=&P_Y@/\Y7-[=R.VLYWD]*
MN8Z@^-?]XH*C'YG'XV#'9C*8+;U5@XZ=Z>7#4=9+NO+-)(N7JL;CIXZ`>Z]U
M9E_LH7RI_P"@:7_9F?[WY/\`X<&_TF_\/6?Z3O[N8C^_?^EG^\/^D?\`O/X?
MLO!_?+_98_\`(?M_L_%]O_N$^T^Q_P`G]^Z]U__5L=_X5F?RK<I\Q_B?A/F5
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MS)0V;2ONO=!1_)`_EG[H_FA?//K+IV3$5S]&;#R&.[1^3&Z(T,=!A>I-N9*G
MGK-M"M,D7BW%V=D4BP&-2+RU$3ULM;XGIJ&J9/=>Z^S)_`L)_!/[L_P?%?W<
M_A7\"_N__#Z3^"?P3[3^'_P?^%>'[#^%?8?L?;^/P^'T:=/'OW7NO__6W^/?
MNO=?-^_G_P#_``F'WUU!N7>_S/\`Y<.Q\UV!TSN#(97=G;GQFVM039?>G3N0
MKIZC)9?='4N%HD?(;MZIEFD9YL+31RY/;A.J!*G&:AB_=>ZTB/?NO=>]^Z]U
M[W[KW7O?NO=>]^Z]U[W[KW1]_P"79_+>^3_\SGO[#]#_`!JV;-DY(YL97=D=
MCY9):3KSI_9E9D$HZO>>^\X0(X*>GC$KTF/@\N4RTD+0T4$T@8+[KW7UXOY7
MO\L+X\?RJ?C7B>@.BZ.3-YS)30;A[A[BSM!24N]^Y-^^!H9=PYX4SSQXG`XF
M&1J7!X6&62EQ%#Z==15S5M;5^Z]U8_[]U[K_U]_CW[KW7O?NO=:]_P#,J_X3
M6_R[/YB=9FNPJ;:U9\7OD)EFJ*NI[AZ,QV(QM!N?*S)3HM9V7UC410[2WDP\
M!>6II3A\S4R.3+D&%E]^Z]UH:?S`/^$R?\SCX-U.X-R[=ZT?Y7])X>.MR$?:
M7Q]H*[<&7HL+1144TM;N_J8^;?\`MV:%*MS.:6#*T$"4TLC5AC76?=>ZUZ:J
MEJ:*IJ*.LIYZ2LI)Y:6KI*J*2"II:F"1HIZ>H@E5)89X94*NC`,K`@B_OW7N
ML'OW7NC$_&'XE?)/YG]H8[IGXM]-;V[J['R4;5(P&S\<DL&*Q\=Q)F-S[@R$
MU!MK9^`B<!'R&5K**B21E0RAF4'W7NMW+^7G_P`(O5DIL3O[^9;W;405#F&L
M7X]_'/*4Y\*C1,E'OON/-XBHC=V]4570[?QMA^JGS!^H]U[K>!^-OQ;^/'P_
MZNP_2_QDZ@V3TOUGA"9*7;&RL4E#'65KHD<^9W!E)WJ<YNG<58L:_<9+)U-7
M7U.D&69R![]U[H?/?NO=>]^Z]U__T-_CW[KW7O?NO=>]^Z]U[W[KW6D__P`*
M,8_^$X,V>S,7RJK,SCOF[(^33)U_P'QNS<S\@Z/+-)3+/5=\8FLRN"Z?R>0@
MF,+&#>M;2;EEHPRT$T<99Q[KW6D[\0\)_*.I/E/6-\Q>SOFQG_BAC=SXZ+9L
M.PNBNKMH[VWEA:DP--6]S5./^16]JWK3"8:H+)6TNTHMV93)T:EZ6HH)V5%]
MU[KZW/\`+2_X;=_V6O;O_#7_`/H(_P!E[T4^C_0G]M]W_$[3V_TF?Q#_`(R%
E_?FWD\_]ZO\`<W]?-[]U[JPGW[KW7O?NO=>]^Z]U[W[KW7__V3\_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>14
<FILENAME>g915197dsp005.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g915197dsp005.jpg
M_]C_X0J*17AI9@``34T`*@````@`"`$2``,````!``$```$:``4````!````
M;@$;``4````!````=@$H``,````!``(```$Q``(````>````?@$R``(````4
M````G`$[``(````)````L(=I``0````!````O````.@`+<;````G$``MQL``
M`"<0061O8F4@4&AO=&]S:&]P($-3-B`H5VEN9&]W<RD`,C`Q-3HP-3HP,B`P
M-3HP-CHQ-@!R<C$S-3DP,P```````Z`!``,````!__\``*`"``0````!````
MOJ`#``0````!````,``````````&`0,``P````$`!@```1H`!0````$```$V
M`1L`!0````$```$^`2@``P````$``@```@$`!`````$```%&`@(`!`````$`
M``D\`````````$@````!````2`````'_V/_M``Q!9&]B95]#30`!_^X`#D%D
M;V)E`&2``````?_;`(0`#`@("`D(#`D)#!$+"@L1%0\,#`\5&!,3%1,3&!$,
M#`P,#`P1#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`$-"PL-#@T0#@X0
M%`X.#A04#@X.#A01#`P,#`P1$0P,#`P,#!$,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`P,#`P,_\``$0@`*`"@`P$B``(1`0,1`?_=``0`"O_$`3\```$%`0$!
M`0$!``````````,``0($!08'"`D*"P$``04!`0$!`0$``````````0`"`P0%
M!@<("0H+$``!!`$#`@0"!0<&"`4###,!``(1`P0A$C$%05%A$R)Q@3(&%)&A
ML4(C)!52P6(S-'*"T4,')9)3\.'Q8W,U%J*R@R9$DU1D1<*C=#87TE7B9?*S
MA,/3=>/S1B>4I(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]C='5V=WAY>GM\?7
MY_<1``("`0($!`,$!08'!P8%-0$``A$#(3$2!$%187$B$P4R@9$4H;%"(\%2
MT?`S)&+A<H*20U,58W,T\24&%J*R@P<F-<+21)-4HQ=D154V=&7B\K.$P]-U
MX_-&E*2%M)7$U.3TI;7%U>7U5F9VAI:FML;6YO8G-T=79W>'EZ>WQ__:``P#
M`0`"$0,1`#\`[SKG6[<2ZCIG3ZQD=5S`3363#6,'T\B[^0U"I^K678T6=1ZO
MF79!U/HV>C6TGGTJZVH/U;K&7UOK?6+(=8,C]GTG7VU8X&]NO^EM=O<MW,S<
M3!H=D9EK::6Z%[C&I_-'[SDE.7@Y6=T_J+>D=1M^T5WM+L+,=HYVWZ>/=^]:
MW]];:Y+KGUAZ9FXE=N(YXR<6UM^,ZRM[&O+#[Z6VN:UOZ2MRZ;"S*<[%KRJ#
M++!,=P?SF._E,=[4E)TEB=:^N'0^C#;?=ZUYT;CT199,[?=!VU_]<<K71.N8
MO6L>R_'994:+'4W57-V/:]H!+7,_M)*=%)4.N=:PNA]-MZCFDBJN`UC=7/>[
M2NFMO[]CEYQ7U+Z^_7G)M;T\_LWI]3BTN#WUU-/^CMOJ_39=_P#(K_1U_P#`
MI*?5DEY?C9GUI^IO7L7`ZEE'J&+EEI)W/>UP>_TG^GZTOJNI^GM8O4$E*224
M+KJJ*G77/;54P2^QY#6@>+G.]K4E,TES%W^,?ZHU7&H9AMV@ESZJWO:`.7;F
MM^C_`%%O8'4<'J6*S+P;FY&._P"B]A[_`+KA])C_`.0])3957J?4L/I6!=U#
M-?Z>/CMW/=WYVM8W^78\[&+E/K%]:\JSZT8/U7Z-<VF[UJW9V4=I#1_.G%_2
M>USW4MW.9_A-]5/^D7(_XQ/K?3UC/;@4[;.DX%A<?<0,BU@+7^\>QF.W^8K?
M_P`9_I*TE/:]9_QB=/P.E8F7CTOMR\^@95.)9["RD_\`:C)=[FLK<[V5?Z?_
M``:ZC$N?D8M-[ZS2^VMKW5$R6EP#C6X_R/HKQ_`R+>J9M#,/!OZP]KF9O6K6
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M8\C!OQ\B[!OHLK(>#58TQ'TF_I;&ML_T;O\`!K(Z-]5,C.Z-C75]2OPJ\UK7
MYM%/T7Z^_8YQ_1NM8&LM]MG_`&VNE^L.9]DZ3>6ZW7#T*&=W66_HZVM_SMRL
M]-Q/L73\;$Y]"IE9/FT`.24\SU#_`!?=-IP&_L*BNGJ-%U637??-CK'5.]3T
MGV/GTV6._<_1?\&M;ZK]&R.E85QS;!;GYU[\O+<SZ(LLCV5_1]C-JV4DE/._
M7_$S<SZJ9M&#5ZUY#'!@:'.VM>U[W5-/^%:UOL0?J_\`6?ZE8W1:*,#-IQL;
M%9L]"XBNYI'NL]2EWZ1]V]VZUS-_J6KJ%3MZ1TF_(^TW86/;D#7UGU,<_P#[
M<<W>DIY)]=GUT^L?3\_'H?5T/I#WN&79+3D/ECFMHJ/N])MM7\Y_H_574=3Z
MS7T[*P,5U%MSNHW>@QU8EK#$E]KO]?\`"+0`#0&M$`:`#@!.DI'DNN9CVOQV
M"V]K'&JLG:'/`]C"_P#-W.7$X7U1ZQ]97,ZE]=+W^D27T]%J/IU5PX[?7=6[
MW[F?]>_TE_\`@UW222FKB=+Z;A4?9\3%JHIB"QC&@'M[]/?_`&EY[];/5^HW
M4SU#ZMY./5^TP&W]&?K[SN:S,QJ&N_FV_1V?H]EG^EK_`$-75?6_KV?TYN)T
MWI#&OZOU5SJ\0V?08&`>K<[<-GLW^UK_`/P3^:L;ZO?4K`Z3;^T,QQZEUFWW
M79]_N.X_Z!K]WI?UOYS_`*W^C24^39?U*^L`Z1F?6#K+FX-?\[&62,B^VQVX
MM])C;+*\BRS_`$__`)Z_25Z'U?Z0WIG1J^N9&*,KJG4GC'^KN'<UKIM=_.]0
MLJ=[7^G[?0?;_P`9_AZ;%TW6/4^OGUF_8]#RWZO]((?FWB8LLES'MJ?I[G0^
MBI_^B^TW?N+4^K..WKO7+?K&]@;T_IX=@]#I:(8UC?T=V56(9_.?S;?S/^VD
ME.W]5N@5]`Z/7A;O5R7DW9E_>R]_\[9_Z+K_`.#8M=)))2DDDDE/_]'U59F3
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M_]G_[1*N4&AO=&]S:&]P(#,N,``X0DE-!`0``````&$<`5H``QLE1QP"```"
MK9P<`E``"')R,3,U.3`S'`(%`$!-:6-R;W-O9G0@5V]R9"`M($AO<FEZ;VX@
M0F%N8V]R<"`M(%!E;W!L97,@0F%N8V]R<"!&;W)M(%,M-"!*;VEN`#A"24T$
M)0``````$&IP8>>(/L)0#K'L6@;XTUXX0DE-!#H``````.4````0`````0``
M````"W!R:6YT3W5T<'5T````!0````!0<W138F]O;`$`````26YT965N=6T`
M````26YT90````!#;')M````#W!R:6YT4VEX=&5E;D)I=&)O;VP`````"W!R
M:6YT97).86UE5$585`````$```````]P<FEN=%!R;V]F4V5T=7!/8FIC````
M#`!0`'(`;P!O`&8`(`!3`&4`=`!U`'````````IP<F]O9E-E='5P`````0``
M``!";'1N96YU;0````QB=6EL=&EN4')O;V8````)<')O;V9#35E+`#A"24T$
M.P`````"+0```!`````!```````2<')I;G1/=71P=71/<'1I;VYS````%P``
M``!#<'1N8F]O;```````0VQB<F)O;VP``````%)G<TUB;V]L``````!#<FY#
M8F]O;```````0VYT0V)O;VP``````$QB;'-B;V]L``````!.9W1V8F]O;```
M````16UL1&)O;VP``````$EN=')B;V]L``````!"8VMG3V)J8P````$`````
M``!21T)#`````P````!29"`@9&]U8D!OX````````````$=R;B!D;W5B0&_@
M````````````0FP@(&1O=6)`;^````````````!"<F1456YT1B-2;'0`````
M``````````!";&0@56YT1B-2;'0```````````````!2<VQT56YT1B-0>&Q`
M<L````````````IV96-T;W)$871A8F]O;`$`````4&=0<V5N=6T`````4&=0
M<P````!09U!#`````$QE9G15;G1&(U)L=````````````````%1O<"!5;G1&
M(U)L=````````````````%-C;"!5;G1&(U!R8T!9````````````$&-R;W!7
M:&5N4')I;G1I;F=B;V]L``````YC<F]P4F5C=$)O='1O;6QO;F<`````````
M#&-R;W!296-T3&5F=&QO;F<`````````#6-R;W!296-T4FEG:'1L;VYG````
M``````MC<F]P4F5C=%1O<&QO;F<``````#A"24T#[0``````$`$L`````0`"
M`2P````!``(X0DE-!"8```````X`````````````/X```#A"24T$#0``````
M!````'@X0DE-!!D```````0````>.$))30/S```````)```````````!`#A"
M24TG$```````"@`!``````````(X0DE-`_4``````$@`+V9F``$`;&9F``8`
M``````$`+V9F``$`H9F:``8```````$`,@````$`6@````8```````$`-0``
M``$`+0````8```````$X0DE-`_@``````'```/______________________
M______\#Z`````#_____________________________`^@`````________
M_____________________P/H`````/____________________________\#
MZ```.$))300(```````0`````0```D````)``````#A"24T$'@``````!```
M```X0DE-!!H``````TT````&```````````````P````O@````P`.0`Q`#4`
M,0`Y`#<`7P`P`#``,0`M`#4````!``````````````````````````$`````
M`````````+X````P``````````````````````$`````````````````````
M````$`````$```````!N=6QL`````@````9B;W5N9'-/8FIC`````0``````
M`%)C=#$````$`````%1O<"!L;VYG``````````!,969T;&]N9P``````````
M0G1O;6QO;F<````P`````%)G:'1L;VYG````O@````9S;&EC97-6;$QS````
M`4]B:F,````!```````%<VQI8V4````2````!W-L:6-E241L;VYG````````
M``=G<F]U<$E$;&]N9P`````````&;W)I9VEN96YU;0````Q%4VQI8V5/<FEG
M:6X````-875T;T=E;F5R871E9`````!4>7!E96YU;0````I%4VQI8V54>7!E
M`````$EM9R`````&8F]U;F1S3V)J8P````$```````!28W0Q````!`````!4
M;W`@;&]N9P``````````3&5F=&QO;F<``````````$)T;VUL;VYG````,```
M``!29VAT;&]N9P```+X````#=7)L5$585`````$```````!N=6QL5$585```
M``$```````!-<V=E5$585`````$```````9A;'1486=415A4`````0``````
M#F-E;&Q497AT27-(5$U,8F]O;`$````(8V5L;%1E>'1415A4`````0``````
M"6AO<GI!;&EG;F5N=6T````/15-L:6-E2&]R>D%L:6=N````!V1E9F%U;'0`
M```)=F5R=$%L:6=N96YU;0````]%4VQI8V5697)T06QI9VX````'9&5F875L
M=`````MB9T-O;&]R5'EP965N=6T````115-L:6-E0D=#;VQO<E1Y<&4`````
M3F]N90````ET;W!/=71S971L;VYG``````````IL969T3W5T<V5T;&]N9P``
M```````,8F]T=&]M3W5T<V5T;&]N9P`````````+<FEG:'1/=71S971L;VYG
M```````X0DE-!"@```````P````"/_`````````X0DE-!!$```````$!`#A"
M24T$%```````!`````(X0DE-!`P`````"5@````!````H````"@```'@``!+
M````"3P`&``!_]C_[0`,061O8F5?0TT``?_N``Y!9&]B90!D@`````'_VP"$
M``P("`@)"`P)"0P1"PH+$14/#`P/%1@3$Q43$Q@1#`P,#`P,$0P,#`P,#`P,
M#`P,#`P,#`P,#`P,#`P,#`P,#`P!#0L+#0X-$`X.$!0.#@X4%`X.#@X4$0P,
M#`P,$1$,#`P,#`P1#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#/_``!$(
M`"@`H`,!(@`"$0$#$0'_W0`$``K_Q`$_```!!0$!`0$!`0`````````#``$"
M!`4&!P@)"@L!``$%`0$!`0$!``````````$``@,$!08'"`D*"Q```00!`P($
M`@4'!@@%`PPS`0`"$0,$(1(Q!4%181,B<8$R!A21H;%"(R054L%B,S1R@M%#
M!R624_#A\6-S-1:BLH,F1)-49$7"HW0V%])5XF7RLX3#TW7C\T8GE*2%M)7$
MU.3TI;7%U>7U5F9VAI:FML;6YO8W1U=G=X>7I[?'U^?W$0`"`@$"!`0#!`4&
M!P<&!34!``(1`R$Q$@1!46%Q(A,%,H&1%*&Q0B/!4M'P,R1BX7*"DD-3%6-S
M-/$E!A:BLH,')C7"TD235*,79$55-G1EXO*SA,/3=>/S1I2DA;25Q-3D]*6U
MQ=7E]59F=H:6IK;&UN;V)S='5V=WAY>GM\?_V@`,`P$``A$#$0`_`.\ZYUNW
M$NHZ9T^L9'5<P$TUDPUC!]/(N_D-0J?JUEV-%G4>KYEV0=3Z-GHUM)Y]*NMJ
M#]6ZQE];ZWUBR'6#(_9])U]M6.!O;K_I;7;W+=S,W$P:'9&9:VFENA>XQJ?S
M1^\Y)3EX.5G=/ZBWI'4;?M%=[2["S':.=M^GCW?O6M_?6VN2ZY]8>F9N)7;B
M.>,G%M;?C.LK>QKRP^^EMKFM;^DK<NFPLRG.Q:\J@RRP3'<'\YCOY3'>U)2=
M)8G6OKAT/HPVWW>M>=&X]$663.WW0=M?_7'*UT3KF+UK'LOQV65&BQU-U5S=
MCVO:`2US/[22G125#KG6L+H?3;>HYI(JK@-8W5SWNTKIK;^_8Y><5]2^OOUY
MR;6]//[-Z?4XM+@]]=33_H[;ZOTV7?\`R*_T=?\`P*2GU9)>7XV9]:?J;U[%
MP.I91ZABY9:2=SWM<'O])_I^M+ZKJ?I[6+U!)2DDE"ZZJBIUUSVU5,$OL>0U
MH'BYSO:U)3-)<Q=_C'^J-5QJ&8;=H)<^JM[V@#EVYK?H_P!1;V!U'!ZEBLR\
M&YN1CO\`HO8>_P"ZX?28_P#D/24V55ZGU+#Z5@7=0S7^GCX[=SW=^=K6-_EV
M/.QBY3ZQ?6O*L^M&#]5^C7-IN]:MV=E':0T?SIQ?TGM<]U+=SF?X3?53_I%R
M/^,3ZWT]8SVX%.VSI.!87'W$#(M8"U_O'L9CM_F*W_\`&?Z2M)3VO6?\8G3\
M#I6)EX]+[<O/H&53B6>PLI/_`&HR7>YK*W.]E7^G_P`&NHQ+GY&+3>^LTOMK
M:]U1,EI<`XUN/\CZ*\?P,BWJF;0S#P;^L/:YF;UJUC#4RZ]H_4.F56.:YF-T
MW"_P?J?H\GT_YNO94O06]0^OEY_1]*P\4'CU\@O(T_.^SCW)*>E27/!_U^DD
MU]*CL`Z^?Q:B8^?];:KF#/Z;CVT.<&V68EQW-!(;O]'(:SU-GY_Z3Z"2G__0
M[7ZI!M3NL8ATMJZED/<T\[;BVZE_]5['*SUOH)ZI?BY+,@TVX9<:F/8+:B71
M[K*7;=SV[?WU4ZGC9?2.LO\`K!A5NR<7)K93U3%K$O\`T9_0YU+?\)92QWIV
M5_Z);>%G8>?0W(P[FWTNX>PSK^Z[]QW\AR2G&ZA@_6/(P;\?(NP;Z+*R'@U6
M-,1])OZ6QK;/]&[_``:R.C?53(SNC8UU?4K\*O-:U^;13]%^OOV.<?T;K6!K
M+?;9_P!MKI?K#F?9.DWENMUP]"AG=UEOZ.MK?\[<K/3<3[%T_&Q.?0J963YM
M`#DE/,]0_P`7W3:<!O["HKIZC1=5DUWWS8ZQU3O4])]CY]-ECOW/T7_!K6^J
M_1LCI6%<<VP6Y^=>_+RW,^B++(]E?T?8S:ME))3SOU_Q,W,^JF;1@U>M>0QP
M8&ASMK7M>]U33_A6M;[$'ZO_`%G^I6-T6BC`S:<;&Q6;/0N(KN:1[K/4I=^D
M?=O=NM<S?ZEJZA4[>D=)OR/M-V%CVY`U]9]3'/\`^W'-WI*>2?79]=/K'T_/
MQZ'U=#Z0][AEV2TY#Y8YK:*C[O2;;5_.?Z/U5U'4^LU].RL#%=1;<[J-WH,=
M6):PQ)?:[_7_``BT``T!K1`&@`X`3I*1Y+KF8]K\=@MO:QQJK)VASP/8PO\`
MS=SEQ.%]4>L?65S.I?72]_I$E]/1:CZ=5<..WUW5N]^YG_7O])?_`(-=TDDI
MJXG2^FX5'V?$Q:J*8@L8QH![>_3W_P!I>>_6SU?J-U,]0^K>3CU?M,!M_1GZ
M^\[FLS,:AKOYMOT=GZ/99_I:_P!#5U7UOZ]G].;B=-Z0QK^K]5<ZO$-GT&!@
M'JW.W#9[-_M:_P#\$_FK&^KWU*P.DV_M#,<>I=9M]UV??[CN/^@:_=Z7];^<
M_P"M_HTE/DV7]2OK`.D9GU@ZRYN#7_.QEDC(OML=N+?28VRRO(LL_P!/_P">
MOTE>A]7^D-Z9T:OKF1BC*ZIU)XQ_J[AW-:Z;7?SO4+*G>U_I^WT'V_\`&?X>
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MISF@ECN-U9=]!W]5`ZMBY.9TS*Q,3(.)D7U.KKR&B2QSAMWA?,"22GWW+Z&[
MZM_4+*Z9TBJS(R33L<:6EUC[+BVB_(#!N=[&/W?\%35_(70=&Z=7TOI.)TZH
M>W%I95\2T>]W]M_N7S$DDI^JDE\JI)*?JI)?*J22G__9.$))300A``````!5
M`````0$````/`$$`9`!O`&(`90`@`%``:`!O`'0`;P!S`&@`;P!P````$P!!
M`&0`;P!B`&4`(`!0`&@`;P!T`&\`<P!H`&\`<``@`$,`4P`V`````0`X0DE-
M!`8```````<`"`````$!`/_A$;=H='1P.B\O;G,N861O8F4N8V]M+WAA<"\Q
M+C`O`#P_>'!A8VME="!B96=I;CTB[[N_(B!I9#TB5S5-,$UP0V5H:4AZ<F53
M>DY48WIK8SED(C\^(#QX.GAM<&UE=&$@>&UL;G,Z>#TB861O8F4Z;G,Z;65T
M82\B('@Z>&UP=&L](D%D;V)E(%A-4"!#;W)E(#4N,RUC,#$Q(#8V+C$T-38V
M,2P@,C`Q,B\P,B\P-BTQ-#HU-CHR-R`@("`@("`@(CX@/')D9CI21$8@>&UL
M;G,Z<F1F/2)H='1P.B\O=W=W+G<S+F]R9R\Q.3DY+S`R+S(R+7)D9BUS>6YT
M87@M;G,C(CX@/')D9CI$97-C<FEP=&EO;B!R9&8Z86)O=70](B(@>&UL;G,Z
M9&,](FAT='`Z+R]P=7)L+F]R9R]D8R]E;&5M96YT<R\Q+C$O(B!X;6QN<SIX
M;7`](FAT='`Z+R]N<RYA9&]B92YC;VTO>&%P+S$N,"\B('AM;&YS.G!D9CTB
M:'1T<#HO+VYS+F%D;V)E+F-O;2]P9&8O,2XS+R(@>&UL;G,Z>&UP34T](FAT
M='`Z+R]N<RYA9&]B92YC;VTO>&%P+S$N,"]M;2\B('AM;&YS.G-T179T/2)H
M='1P.B\O;G,N861O8F4N8V]M+WAA<"\Q+C`O<U1Y<&4O4F5S;W5R8V5%=F5N
M=",B('AM;&YS.G-T4F5F/2)H='1P.B\O;G,N861O8F4N8V]M+WAA<"\Q+C`O
M<U1Y<&4O4F5S;W5R8V52968C(B!X;6QN<SIP9&9X/2)H='1P.B\O;G,N861O
M8F4N8V]M+W!D9G@O,2XS+R(@>&UL;G,Z<&AO=&]S:&]P/2)H='1P.B\O;G,N
M861O8F4N8V]M+W!H;W1O<VAO<"\Q+C`O(B!D8SIF;W)M870](FEM86=E+VIP
M96<B('AM<#I#<F5A=&5$871E/2(R,#$U+3`U+3`Q5#$V.C(U.C$R+3`U.C`P
M(B!X;7`Z0W)E871O<E1O;VP](E1O;VQK:70@:'1T<#HO+W=W=RYA8W1I=F5P
M9&8N8V]M(B!X;7`Z365T861A=&%$871E/2(R,#$U+3`U+3`R5#`U.C`V.C$V
M*S`U.C,P(B!X;7`Z36]D:69Y1&%T93TB,C`Q-2TP-2TP,E0P-3HP-CHQ-BLP
M-3HS,"(@<&1F.E!R;V1U8V5R/2)4;V]L:VET(&AT='`Z+R]W=W<N86-T:79E
M<&1F+F-O;2(@>&UP34TZ1&]C=6UE;G1)1#TB>&UP+F1I9#I#0S0Y1C(S-C4X
M1C!%-#$Q.#9!,3@X.3@Y,D5%-D1&-2(@>&UP34TZ26YS=&%N8V5)1#TB>&UP
M+FEI9#I#1#0Y1C(S-C4X1C!%-#$Q.#9!,3@X.3@Y,D5%-D1&-2(@>&UP34TZ
M3W)I9VEN86Q$;V-U;65N=$E$/2)U=6ED.C`R8F5D-65E+64V8V$M-#DW82UB
M93AD+60V9#8S9&8Y930U,B(@<&1F>#I!4%1+5D52/2(U+C4N,"XQ-3`R."!0
M<F\@4')O9'5C=&EO;BTS,B(@<&AO=&]S:&]P.D-O;&]R36]D93TB,R(^(#QD
M8SIT:71L93X@/')D9CI!;'0^(#QR9&8Z;&D@>&UL.FQA;F<](G@M9&5F875L
M="(^36EC<F]S;V9T(%=O<F0@+2!(;W)I>F]N($)A;F-O<G`@+2!096]P;&5S
M($)A;F-O<G`@1F]R;2!3+30@2F]I;G0@4')O>'D@4W1A=&5M96YT+5!R;W-P
M96-T=7,N9&]C>#PO<F1F.FQI/B`\+W)D9CI!;'0^(#PO9&,Z=&ET;&4^(#QD
M8SIC<F5A=&]R/B`\<F1F.E-E<3X@/')D9CIL:3YR<C$S-3DP,SPO<F1F.FQI
M/B`\+W)D9CI397$^(#PO9&,Z8W)E871O<CX@/'AM<$U-.DAI<W1O<GD^(#QR
M9&8Z4V5Q/B`\<F1F.FQI('-T179T.F%C=&EO;CTB8V]N=F5R=&5D(B!S=$5V
M=#IP87)A;65T97)S/2)F<F]M(&%P<&QI8V%T:6]N+W!D9B!T;R!A<'!L:6-A
M=&EO;B]V;F0N861O8F4N<&AO=&]S:&]P(B\^(#QR9&8Z;&D@<W1%=G0Z86-T
M:6]N/2)S879E9"(@<W1%=G0Z:6YS=&%N8V5)1#TB>&UP+FEI9#I#0S0Y1C(S
M-C4X1C!%-#$Q.#9!,3@X.3@Y,D5%-D1&-2(@<W1%=G0Z=VAE;CTB,C`Q-2TP
M-2TP,E0P-3HP-CHQ-BLP-3HS,"(@<W1%=G0Z<V]F='=A<F5!9V5N=#TB061O
M8F4@4&AO=&]S:&]P($-3-B`H5VEN9&]W<RDB('-T179T.F-H86YG960](B\B
M+SX@/')D9CIL:2!S=$5V=#IA8W1I;VX](F-O;G9E<G1E9"(@<W1%=G0Z<&%R
M86UE=&5R<STB9G)O;2!A<'!L:6-A=&EO;B]P9&8@=&\@:6UA9V4O:G!E9R(O
M/B`\<F1F.FQI('-T179T.F%C=&EO;CTB9&5R:79E9"(@<W1%=G0Z<&%R86UE
M=&5R<STB8V]N=F5R=&5D(&9R;VT@87!P;&EC871I;VXO=FYD+F%D;V)E+G!H
M;W1O<VAO<"!T;R!I;6%G92]J<&5G(B\^(#QR9&8Z;&D@<W1%=G0Z86-T:6]N
M/2)S879E9"(@<W1%=G0Z:6YS=&%N8V5)1#TB>&UP+FEI9#I#1#0Y1C(S-C4X
M1C!%-#$Q.#9!,3@X.3@Y,D5%-D1&-2(@<W1%=G0Z=VAE;CTB,C`Q-2TP-2TP
M,E0P-3HP-CHQ-BLP-3HS,"(@<W1%=G0Z<V]F='=A<F5!9V5N=#TB061O8F4@
M4&AO=&]S:&]P($-3-B`H5VEN9&]W<RDB('-T179T.F-H86YG960](B\B+SX@
M/"]R9&8Z4V5Q/B`\+WAM<$U-.DAI<W1O<GD^(#QX;7!-33I$97)I=F5D1G)O
M;2!S=%)E9CII;G-T86YC94E$/2)X;7`N:6ED.D-#-#E&,C,V-3A&,$4T,3$X
M-D$Q.#@Y.#DR144V1$8U(B!S=%)E9CID;V-U;65N=$E$/2)X;7`N9&ED.D-#
M-#E&,C,V-3A&,$4T,3$X-D$Q.#@Y.#DR144V1$8U(B!S=%)E9CIO<FEG:6YA
M;$1O8W5M96YT240](G5U:60Z,#)B960U964M939C82TT.3=A+6)E.&0M9#9D
M-C-D9CEE-#4R(B\^(#PO<F1F.D1E<V-R:7!T:6]N/B`\+W)D9CI21$8^(#PO
M>#IX;7!M971A/B`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@(#P_>'!A8VME="!E
M;F0](G<B/S[_[@`.061O8F4`9$`````!_]L`A``!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`@("`@("`@("`@(#`P,#`P,#
M`P,#`0$!`0$!`0$!`0$"`@$"`@,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P/_P``1"``P`+X#`1$``A$!`Q$!_]T`
M!``8_\0!H@````8"`P$`````````````!P@&!00)`PH"`0`+`0``!@,!`0$`
M```````````&!00#!P((`0D`"@L0``(!`P0!`P,"`P,#`@8)=0$"`P01!1(&
M(0<3(@`(,11!,B,5"5%"%F$D,Q=2<8$88I$E0Z&Q\"8T<@H9P=$U)^%3-H+Q
MDJ)$5'-%1C='8RA55E<:LL+2XO)D@W23A&6CL\/3XRDX9O-U*CDZ2$E*6%E:
M9VAI:G9W>'EZA8:'B(F*E)66EYB9FJ2EIJ>HJ:JTM;:WN+FZQ,7&Q\C)RM35
MUM?8V=KDY>;GZ.GJ]/7V]_CY^A$``@$#`@0$`P4$!`0&!@5M`0(#$00A$@4Q
M!@`B$T%1!S)A%'$(0H$CD152H6(6,PFQ),'10W+P%^&"-"624QAC1/&BLB8U
M&50V160G"G.#DT9TPM+B\E5E=58WA(6CL\/3X_,I&I2DM,34Y/25I;7%U>7U
M*$=79CAVAI:FML;6YO9G=X>7I[?'U^?W2%AH>(B8J+C(V.CX.4E9:7F)F:FY
MR=GI^2HZ2EIJ>HJ:JKK*VNKZ_]H`#`,!``(1`Q$`/P#=5^6_RPZY^(/5=1V)
MOJ4Y'+9*K3`[`V+03*-P[]W74Z?ML/B8%CGF2EI4;SUU5XWCI*92Q#2-%')[
MKW5?&S^@/YAGRZ4]D][?(W<_Q:V+N,O5[=Z3ZRQ"X[=>,P4KBKQ2Y^K6OI9,
M/E(Q,5<5D^2JI(P!-%3M:-/=>Z4>\.NOEG\#L4>W-E=W;V^3O3NWEIYNR^MN
MRRE9N3%X#5+_`!+<6VZ]9IF@IL:NF21J8H]/?R2PSTZ3,GNO=6E=7=C[8[>Z
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MR.2-`D]U[H3?@A\RMI_/#X\8+Y";.VCN'8^+R^>W%MV;;^XW6HJJ>NV[6+3R
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MF_\`<-.9FI*^%0COC*5'JPCCS/3`JQ]U[K7&H?\`A0[_`#B-Z39+L_:'2,[=
M*8B2DRF:W/C?C+N+)]88C&>5I9Z*;?\`?(10J$=(*B>HR4?VX#2DHHNWNO=;
M2?\`*=_FO[&_F4;%SU-/@Z79/<^Q,?0Y7=FU\?+538/,[?R-5)04VZ]LFN+Y
M"EH%R$?V\]-4O(\3212)+*DPT>Z]U;W[]U[KWOW7NO>_=>ZZ)"@LQ"JH)9B0
M``!<DD\``>_=>Z\"&`92""`00;@@\@@C@@CW[KW7?OW7NJ@-F?S8=H]P?S+8
MO@9T7M2C[-VOM7:F\J_MSMK$Y*H:FVAN;:4,@KZ7'".)L5D\%B\S-1XJJG,H
M:3(5>F#4L=Y/=>ZUK/\`A2-_-1VWWKV?B/@)TWV=5X7J'JO>L$_RCWWAS,FW
MZW<^$J(:VHPZ9"$>'<:=;+0S^+'B2.&MW#Z6+&DA?W[KW1(.]WQ^;Z'^+_:/
M;U9%M;+=^;,VYT+_`"Q/C!E)#08/XR?$W"U"4^^OE;W#0X+[G,9',[Z6:F7'
MY#(P1Y&KJ:_(9FTL='210^Z]UM:_'+^9_P#RL_A7\=.H_CSL'O6;L+#=8;(I
M\97[BV/M'=>:HLYGHFJ*K=>X&R.5HL=]Q)N#=,U7+"@>6PD2-"45#[]U[H3Y
M_P"?+\,!K:@V?\E,K")8HX:FBZ:JI*:J2>))H:FGD&;9C32)(OJ=4*EK,!S;
MW7NGZ+^>1\,E6!\IMWY$8%)4?S-F.GJN$453%(JST57]KFJLK5PQ-Y2J!U,8
M.DEAI]^Z]T8[;O\`-#^$>Z^M.P>U<#W/05NWNK4P4F^<<<+GJ7=.&BW+N+$[
M4PM0FW*O'P9')T57G\Y2TYJ:19Z:%Y1Y)$L;>Z]U_]'9&_E#TU?/V?\`S--P
M9GR#,9'YI;GQ<L4T4L<D&.P\>2J*&-7EFD,L3568JI!I6-$:1D"W5F/NO=6+
M_,7M[L'HKXX]F=F=5[%R/8G8&!Q$$>V-O8_&5N72/(Y.NIL:,YE,?C5DR%3A
M=NQ535M4L*.[1PZ392SK[KW5$742_%'NG#TG8_S2^?O8\G<.3"5VXM@SY[/=
M8XK9%3(\HIMOT]-D,+/2Y=*!&`66C2GI?)<)%==1]U[HK7:FZLE\>OF#U=E?
MA-WI2?)+)5V+HL;UI'D,[5;@W0*RDJ*TY/IS/5)D@_O.<MMZIE?'0+X7J(9G
MCC"SI$3[KW1\-Z_S@?E1W*,7T]\,?AGO.O\`D)4X'^*;MJ-[T$^0VGLF1*\X
M\QM$[;?./CJI5$BU.<>A2!'"/`[^H>Z]U3M\ZNA_F]B^Z?B%V9_-K[RP@ZC[
MB[A&!WQL?K'/9^IAZWZWV5#0;@W:/%MW##9F.J\M2Y)HZ-,8M56I(TDB3.5T
M^_=>ZN\_X3X4&:3X\?(S-4%)N3']-9SY2]@/T;2;GKY:^O?9E#%1TWW?GEGJ
M!42"/[:DJIU8>>NHYR0&!`]U[J\KL)97V#OA*?<\NR9WV?N58=YP4RUD^T96
MPM:(]SPTC$+52X!R*M8R0',6G\^_=>ZT+?Y'/\H;`?.CN;LWY8_*B>;M?HSJ
MWL7<&V\'5Y[^+P93Y%=LM6T^8W%E]TK7SS5\>S,'CJJF_B-,TS/DJVL-/)(Z
M0U*GW7NM])MC;'I-B5/7<&V=O8?KP[:K=K/M/&8R@P^V*/:U5CYL?5X>FQ-#
M#38V@Q/\.F>/Q1HD2QDBP'OW7NM/[_A-;TK/C_EQ\W^PMKXSP]4=93Y_IG;6
M=H,G'78?)5E1V%5O04$%3#(T.8DEV]M"/)-.EU2&KIC_`+N4GW7NMS'W[KW6
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M^9Q]3D:VH*DU&.J:KQS2H9J6!E]U[H=_@O\`R\.T_GGB.W?D/V%VKC_CK\6_
MCAM:?=/R&[XW!M_<N7K&S&X&ER4FR^OME5&7BGWQOC=F/ECM%)4Q1+-+3'R/
M/4P0S^Z]ULB_R"/Y*G3_`,A=EY?YY?+S9&Z=\[>WAF)L;\6]J[ZW/N+'9>IV
M%@:O)8NH['W=38#)T44D.>*)38BB@J%HHJ>&I?P%)H"/=>ZV_>OOB3\7>JJ*
MGQ_77QZZ;VC3THC\+X?KO:T-8#"Q>-Y,B^,DR$TJR,6UO*S:R6O<D^_=>Z'J
MEQV/H8_#14-'1PW#>*EI8*>/4JZ%.B)$6X3@<?3CW[KW6&JPV'KE9:W$XVL5
MAI9:JAI:A6&K79A+$X(U\_Z_/OW7N@]?HSI=]Q4^[CU/UT-STV/K,3%G4V;M
M^/)_PROJJ&NJZ"6JCH%DJ*66MQE/-HD+*LL*NMF%_?NO=?_2V2OC%GX/C?\`
MS5/E_P#&G<(_AF,^4>(Q'R>ZHJZ^(1)GLO"^2AWGA,#.DB+/%3/55\KQM$"C
MX^6SD6!]U[JZ[W[KW2(S?676VYI9)]Q]?;(W!/-;RS9O:>!RLLMF+CR25]!.
M[V<D\D\\^_=>ZJG^0_3O4V"_F#?`B@V!UIL;:^=H\EV1O3,S[=VIB,69J&EQ
ML(I:NLBQT%-&]1!/1U!IYVC9H7N0RD+[]U[JXE*>GCEFGC@ACGJ3&:B9(D66
MH,2>.(S2*H>4Q)Z5U$Z1P/?NO=!9W1T3U!\B=DU?77=FP-O]B[,K)XJJ3"9^
MGE=(JJ"XCJZ&MI)J7)8VK5&9/+3S12&-F0DJS`^Z]TKMC[&V=UGM';^PNO\`
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M2_X0_P`N?XR?`+;.Y\#T5M6<Y;>&Z<YN?<&^]V''9C?5<,Q+3K!@1GH,;0/2
M;?Q=#0T\4=+`D44LD;3R!II&<^Z]T>WW[KW55/\`,?\`YKWQX^`VWI=I9BDJ
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MCOGLJEIJ!LE'NVMQ5='-%EXYZVGAH8*L2I#7UE%3KZ<*"/=>ZW`-H[3VWL+:
MFV=C;.P]'M[:6S<!A]K;7P..1HZ#"[?P&/I\5AL51HS.ZTN/Q]+'$@+,VE!<
MD\^_=>Z47OW7NO>_=>Z][]U[KWOW7NO_T]POYO?"^B^4>'V7O396XCUI\C^E
M:^MW#TGVS0QM'7X6OJHXI*S;>5JJ<&K.V\W545.\A42/330K*B.IEBF]U[H.
M>I/GR^T<KB.F?G!MB?X^=T0>##Q[QR\#4_3/9M=%&D1S6TMY<X?'?Q.8,?MY
MI?"K`Z91<1+[KW1^LCV=UQB=MR[QR6_=G4>U(::6K?<<VY,0,*:>%&DDDCR(
MJS2S`(AL$9B3P`3[]U[JNKXW>/Y2?,'LCY>TM/D7ZIZXV\.F^C\CDHJB&GW)
M4D2G=V[,'!411-'C6:>>,:E5B:P*P$D3A?=>ZM.]^Z]U[W[KW7O?NO=>]^Z]
MU[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]T7?Y;;[[/ZP^,G>O8/2VTZG?/:
M^T.LMUYS8.U:.FEK:O+[EHL7-)CXJ:A@IZN6NGIY/WD@6*0S-&$TG5;W[KW5
M.7\F;^7=LS';2H?Y@WR+3.]M_,#OFOR6\ZC/]IXN>HR'4;+F,G0/1[:3-4D%
M34[ERKTHJJK-21)*FI*>C6G@B/E]U[H[7\V3^81M_P#EW?%?-=C0U.,JNX=_
MUC=>]$;8R$L.G+;[R5.3)G:JFDU-48/96/9LA5C0RR.L-.;&H4^_=>ZHM^"_
MQW'\J?X.][_S:/ES2/F?FMW;A,J.N8-X&.OW#MU^WLY2P;`PM1%5(\R;RWYG
M:^FR><52)X<5"8&$;_=(?=>ZN(_DQ?#S*?'#XTS]M=H"MROR.^5>2B[@[=W-
MN`P5NZGI<LU97[/P&7S*QI4U\])CLK+7U'D",E9D98V6\88^Z]U<+[]U[KWO
MW7NO>_=>Z][]U[KWOW7NO__4W^/?NO=)/>FP]D]C8.IVSO[:6W-Y[?K%9:C#
M;GPU!F\>Y9"GD6FR$$\<4Z!O1(@61#RI!`/OW7NB@I_+7^%\>3ILA'TU1I!1
MR++2X)=S;P.W*>1;W:+"-GVHD#L;E0NDG\6X]^Z]T=/`;?P6U<-C=N[9P^-P
M&`P]*E%BL-AZ*GQV,Q])'?13T=%2QQ4\$0))LJBY))Y)]^Z]T[^_=>Z][]U[
MKWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NJT/
ME7_*_P"E_F!\LOC3\I.V\]G,M#\<*&IIJ'J*LHJ+*;!WA51YN3<N%K\O35LA
M6FDH\XT<E6GAG3(04T$+Z$0Z_=>Z+?\`SA.@NS/E=OKX!_'C%=<;FW=T=NOY
M&C<_>FY,909*OVUM?#[/HL?5T$>\?L/VJ*BR>$J\Q]M+4&.,U,:A7#>EO=>Z
MNYIZ>"DIX*6EABIZ:FABIZ>G@18H8((46.&&&-`$CBBC4*J@``"P]^Z]UF]^
6Z]U[W[KW7O?NO=>]^Z]U[W[KW7__V3\_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>15
<FILENAME>g915197dsp007.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g915197dsp007.jpg
M_]C_X0B:17AI9@``34T`*@````@`"`$2``,````!``$```$:``4````!````
M;@$;``4````!````=@$H``,````!``(```$Q``(````>````?@$R``(````4
M````G`$[``(````)````L(=I``0````!````O````.@`+<;````G$``MQL``
M`"<0061O8F4@4&AO=&]S:&]P($-3-B`H5VEN9&]W<RD`,C`Q-3HP-3HP,B`P
M-3HP-SHS-`!R<C$S-3DP,P```````Z`!``,````!__\``*`"``0````!````
M:J`#``0````!````)``````````&`0,``P````$`!@```1H`!0````$```$V
M`1L`!0````$```$^`2@``P````$``@```@$`!`````$```%&`@(`!`````$`
M``=,`````````$@````!````2`````'_V/_M``Q!9&]B95]#30`!_^X`#D%D
M;V)E`&2``````?_;`(0`#`@("`D(#`D)#!$+"@L1%0\,#`\5&!,3%1,3&!$,
M#`P,#`P1#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`$-"PL-#@T0#@X0
M%`X.#A04#@X.#A01#`P,#`P1$0P,#`P,#!$,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`P,#`P,_\``$0@`)`!J`P$B``(1`0,1`?_=``0`!__$`3\```$%`0$!
M`0$!``````````,``0($!08'"`D*"P$``04!`0$!`0$``````````0`"`P0%
M!@<("0H+$``!!`$#`@0"!0<&"`4###,!``(1`P0A$C$%05%A$R)Q@3(&%)&A
ML4(C)!52P6(S-'*"T4,')9)3\.'Q8W,U%J*R@R9$DU1D1<*C=#87TE7B9?*S
MA,/3=>/S1B>4I(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]C='5V=WAY>GM\?7
MY_<1``("`0($!`,$!08'!P8%-0$``A$#(3$2!$%187$B$P4R@9$4H;%"(\%2
MT?`S)&+A<H*20U,58W,T\24&%J*R@P<F-<+21)-4HQ=D154V=&7B\K.$P]-U
MX_-&E*2%M)7$U.3TI;7%U>7U5F9VAI:FML;6YO8G-T=79W>'EZ>WQ__:``P#
M`0`"$0,1`#\`]&S<R_UV]/P0TY;V[WV/!+*:YV^M8!]-[W>VBG_"_P#%UO4>
MF9#QA79.5DBZAMEKF9#MH`J8=KG/+`QGM<RW^PJ%66^KH>3U2H3F]2L/H<27
MV.^R8%8_DU,]+_P54?K98S$Z/B_5G%=NNS:Q2&`AKGL9LJV?R?M=]E55G_`_
M:4E.S]7^O5=<HNR*:RVNNS:QW9S2!;5]+:YEOH/J?=7M_1>IL6JL_I&+A],Q
M:NEUVUF^MNZUH(#WO=[[LAU?TOTMCMZM9>53AXUF3>=M53=SHU)\&M;^<][O
M:QJ2DCK*VN:QS@USYVM)`)C5VW^JJO3>H.SVVW,KV8K7EF/:72;0WVV6^G'Z
M)GJ[F5_Z3^=7-Y8R,G,<;F@=0R&MQZ_SO1%WZ2W&H>WZ&S'8S[9<W^<_3?X/
MTEU>+C58N-7C5"*ZFAK?DDI*JG4NJ8?3<&_.R7_HL8>\-]SBXP*Z6,_.NM<]
MC*J_Y:74\]N!AOR-OJ6_0HI'TK+7>VFAG\JQ_P#F?SBXWH/3?K%FV-LLJK93
MAV/>+\PBPVYY)^W=4^SXL5W?9[-^)TQGVCTZ:&?Z3TO22GI^@XO4-C^I=6]O
M4,P`G':99CU?2IPF?FO?7N_6+_\`"W_\#Z*+?]8>BTW''.779DMF<>D^K:(_
M>IH]2QO]I<X,>GJE^1;U3(R>I=,QB:&-DUUY64'#U&X6'B&KU*,1S/L^^[U_
M6O\`7_P6-O4^FT87K5WTX[:*<>QQP^E=/:UHLLK)H=D9;ZMC;?0?N8U][V4;
M_P!)[_T:2G?'4\^[7&Z;;M_>R',I'^9-MW_@2IYG6LW$?&5?A43H:V;[[0>?
MYIIH>[^RQ6CT_/SSOZE>ZFAPTPL9Q:/A?E-VW7?]:]&K^NKF)T_!PF[<6BND
M=RQH!/\`6=])R2FIC5=3R*J\@YT,M:'M8<<5N`<-VU[+7/L8[^LKGI9'^G/T
M-OT6_2_TO_F".DDI_]#L:NGY;.L8W3!D!^#@UV9E8-?N:ZQSJ,)EEFXML]#=
ME>G[/\%^D6;@8=W5OK)DWT6O-&*8=G6P^P$!U./3A^WTF^RS+R-^S]']HI_G
M+%T'3*S?;U3*DUVY%[J&O'+64#[/7M#O^%]:W^VK72>E8G2<-N)BM@?2M>?I
M66$!ME]O_"6[?>DIS^H]/Q,-O3JL.F,@YM1;8W6P_2?EVW6G])9OQFW>KO1>
MK.>ZU]]D#%Z96<@-=,/R(<:-T?3KH^EM;_A[*_\`1(M1.5UJVPC]#T]@JK/C
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M[IE?M]*IC7_K>?;^LWO_`)K_`$E/48N%C8C7-QV;-YE[B2YSC_+L>7/?_:1T
ME-#IO1<#IH`QFN]C?3JWN+O3K'T,>B?YNIG_`*L5QE559<:V-87G<[:`))_.
M='YRFDDI22222E))))*?_]'U5)?*J22GZ>Z9]G]._P!&=WVBWUIY]3=[O^CM
MV?R%<7RJDDI^JDE\JI)*?JI)?*J22GZJ27RJDDI^JDE\JI)*?JI)?*J22G__
MV?_M$+Y0:&]T;W-H;W`@,RXP`#A"24T$!```````81P!6@`#&R5''`(```*M
MG!P"4``(<G(Q,S4Y,#,<`@4`0$UI8W)O<V]F="!7;W)D("T@2&]R:7IO;B!"
M86YC;W)P("T@4&5O<&QE<R!"86YC;W)P($9O<FT@4RTT($IO:6X`.$))300E
M```````0:G!AYX@^PE`.L>Q:!OC37CA"24T$.@``````Y0```!`````!````
M```+<')I;G1/=71P=70````%`````%!S=%-B;V]L`0````!);G1E96YU;0``
M``!);G1E`````$-L<FT````/<')I;G13:7AT965N0FET8F]O;``````+<')I
M;G1E<DYA;65415A4`````0``````#W!R:6YT4')O;V93971U<$]B:F,````,
M`%``<@!O`&\`9@`@`%,`90!T`'4`<```````"G!R;V]F4V5T=7`````!````
M`$)L=&YE;G5M````#&)U:6QT:6Y0<F]O9@````EP<F]O9D--64L`.$))300[
M``````(M````$`````$``````!)P<FEN=$]U='!U=$]P=&EO;G,````7````
M`$-P=&YB;V]L``````!#;&)R8F]O;```````4F=S36)O;VP``````$-R;D-B
M;V]L``````!#;G1#8F]O;```````3&)L<V)O;VP``````$YG='9B;V]L````
M``!%;6Q$8F]O;```````26YT<F)O;VP``````$)C:V=/8FIC`````0``````
M`%)'0D,````#`````%)D("!D;W5B0&_@````````````1W)N(&1O=6)`;^``
M``````````!";"`@9&]U8D!OX````````````$)R9%15;G1&(U)L=```````
M`````````$)L9"!5;G1&(U)L=````````````````%)S;'15;G1&(U!X;$!R
MP```````````"G9E8W1O<D1A=&%B;V]L`0````!09U!S96YU;0````!09U!S
M`````%!G4$,`````3&5F=%5N=$8C4FQT````````````````5&]P(%5N=$8C
M4FQT````````````````4V-L(%5N=$8C4')C0%D````````````08W)O<%=H
M96Y0<FEN=&EN9V)O;VP`````#F-R;W!296-T0F]T=&]M;&]N9P`````````,
M8W)O<%)E8W1,969T;&]N9P`````````-8W)O<%)E8W12:6=H=&QO;F<`````
M````"V-R;W!296-T5&]P;&]N9P``````.$))30/M```````0`2P````!``(!
M+`````$``CA"24T$)@``````#@`````````````_@```.$))300-```````$
M````>#A"24T$&0``````!````!XX0DE-`_,```````D```````````$`.$))
M32<0```````*``$``````````CA"24T#]0``````2``O9F8``0!L9F8`!@``
M`````0`O9F8``0"AF9H`!@```````0`R`````0!:````!@```````0`U````
M`0`M````!@```````3A"24T#^```````<```________________________
M_____P/H`````/____________________________\#Z`````#_________
M____________________`^@`````_____________________________P/H
M```X0DE-!`@``````!`````!```"0````D``````.$))300>```````$````
M`#A"24T$&@`````#30````8``````````````"0```!J````#``Y`#$`-0`Q
M`#D`-P!?`#``,``Q`"T`-P````$``````````````````````````0``````
M````````:@```"0``````````````````````0``````````````````````
M```0`````0```````&YU;&P````"````!F)O=6YD<T]B:F,````!````````
M4F-T,0````0`````5&]P(&QO;F<``````````$QE9G1L;VYG``````````!"
M=&]M;&]N9P```"0`````4F=H=&QO;F<```!J````!G-L:6-E<U9L3',````!
M3V)J8P````$```````5S;&EC90```!(````'<VQI8V5)1&QO;F<`````````
M!V=R;W5P241L;VYG``````````9O<FEG:6YE;G5M````#$53;&EC94]R:6=I
M;@````UA=71O1V5N97)A=&5D`````%1Y<&5E;G5M````"D53;&EC951Y<&4`
M````26UG(`````9B;W5N9'-/8FIC`````0```````%)C=#$````$`````%1O
M<"!L;VYG``````````!,969T;&]N9P``````````0G1O;6QO;F<````D````
M`%)G:'1L;VYG````:@````-U<FQ415A4`````0```````&YU;&Q415A4````
M`0```````$US9V5415A4`````0``````!F%L=%1A9U1%6%0````!```````.
M8V5L;%1E>'1)<TA434QB;V]L`0````AC96QL5&5X=%1%6%0````!```````)
M:&]R>D%L:6=N96YU;0````]%4VQI8V5(;W)Z06QI9VX````'9&5F875L=```
M``EV97)T06QI9VYE;G5M````#T53;&EC959E<G1!;&EG;@````=D969A=6QT
M````"V)G0V]L;W)4>7!E96YU;0```!%%4VQI8V5"1T-O;&]R5'EP90````!.
M;VYE````"71O<$]U='-E=&QO;F<`````````"FQE9G1/=71S971L;VYG````
M``````QB;W1T;VU/=71S971L;VYG``````````MR:6=H=$]U='-E=&QO;F<`
M`````#A"24T$*```````#`````(_\````````#A"24T$$0```````0$`.$))
M3004```````$`````CA"24T$#``````':`````$```!J````)````4```"T`
M```'3``8``'_V/_M``Q!9&]B95]#30`!_^X`#D%D;V)E`&2``````?_;`(0`
M#`@("`D(#`D)#!$+"@L1%0\,#`\5&!,3%1,3&!$,#`P,#`P1#`P,#`P,#`P,
M#`P,#`P,#`P,#`P,#`P,#`P,#`$-"PL-#@T0#@X0%`X.#A04#@X.#A01#`P,
M#`P1$0P,#`P,#!$,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,_\``$0@`
M)`!J`P$B``(1`0,1`?_=``0`!__$`3\```$%`0$!`0$!``````````,``0($
M!08'"`D*"P$``04!`0$!`0$``````````0`"`P0%!@<("0H+$``!!`$#`@0"
M!0<&"`4###,!``(1`P0A$C$%05%A$R)Q@3(&%)&AL4(C)!52P6(S-'*"T4,'
M)9)3\.'Q8W,U%J*R@R9$DU1D1<*C=#87TE7B9?*SA,/3=>/S1B>4I(6TE<34
MY/2EM<75Y?569G:&EJ:VQM;F]C='5V=WAY>GM\?7Y_<1``("`0($!`,$!08'
M!P8%-0$``A$#(3$2!$%187$B$P4R@9$4H;%"(\%2T?`S)&+A<H*20U,58W,T
M\24&%J*R@P<F-<+21)-4HQ=D154V=&7B\K.$P]-UX_-&E*2%M)7$U.3TI;7%
MU>7U5F9VAI:FML;6YO8G-T=79W>'EZ>WQ__:``P#`0`"$0,1`#\`]&S<R_UV
M]/P0TY;V[WV/!+*:YV^M8!]-[W>VBG_"_P#%UO4>F9#QA79.5DBZAMEKF9#M
MH`J8=KG/+`QGM<RW^PJ%66^KH>3U2H3F]2L/H<27V.^R8%8_DU,]+_P54?K9
M8S$Z/B_5G%=NNS:Q2&`AKGL9LJV?R?M=]E55G_`_:4E.S]7^O5=<HNR*:RVN
MNS:QW9S2!;5]+:YEOH/J?=7M_1>IL6JL_I&+A],Q:NEUVUF^MNZUH(#WO=[[
MLAU?TOTMCMZM9>53AXUF3>=M53=SHU)\&M;^<][O:QJ2DCK*VN:QS@USYVM)
M`)C5VW^JJO3>H.SVVW,KV8K7EF/:72;0WVV6^G'Z)GJ[F5_Z3^=7-Y8R,G,<
M;F@=0R&MQZ_SO1%WZ2W&H>WZ&S'8S[9<W^<_3?X/TEU>+C58N-7C5"*ZFAK?
MDDI*JG4NJ8?3<&_.R7_HL8>\-]SBXP*Z6,_.NM<]C*J_Y:74\]N!AOR-OJ6_
M0HI'TK+7>VFAG\JQ_P#F?SBXWH/3?K%FV-LLJK93AV/>+\PBPVYY)^W=4^SX
ML5W?9[-^)TQGVCTZ:&?Z3TO22GI^@XO4-C^I=6]O4,P`G':99CU?2IPF?FO?
M7N_6+_\`"W_\#Z*+?]8>BTW''.779DMF<>D^K:(_>IH]2QO]I<X,>GJE^1;U
M3(R>I=,QB:&-DUUY64'#U&X6'B&KU*,1S/L^^[U_6O\`7_P6-O4^FT87K5WT
MX[:*<>QQP^E=/:UHLLK)H=D9;ZMC;?0?N8U][V4;_P!)[_T:2G?'4\^[7&Z;
M;M_>R',I'^9-MW_@2IYG6LW$?&5?A43H:V;[[0>?YIIH>[^RQ6CT_/SSOZE>
MZFAPTPL9Q:/A?E-VW7?]:]&K^NKF)T_!PF[<6BND=RQH!/\`6=])R2FIC5=3
MR*J\@YT,M:'M8<<5N`<-VU[+7/L8[^LKGI9'^G/T-OT6_2_TO_F".DDI_]#L
M:NGY;.L8W3!D!^#@UV9E8-?N:ZQSJ,)EEFXML]#=E>G[/\%^D6;@8=W5OK)D
MWT6O-&*8=G6P^P$!U./3A^WTF^RS+R-^S]']HI_G+%T'3*S?;U3*DUVY%[J&
MO'+64#[/7M#O^%]:W^VK72>E8G2<-N)BM@?2M>?I66$!ME]O_"6[?>DIS^H]
M/Q,-O3JL.F,@YM1;8W6P_2?EVW6G])9OQFW>KO1>K.>ZU]]D#%Z96<@-=,/R
M(<:-T?3KH^EM;_A[*_\`1(M1.5UJVPC]#T]@JK/C=:!;>1_Q=/H,_P"NV*YE
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M`)K_`$E/48N%C8C7-QV;-YE[B2YSC_+L>7/?_:1TE-#IO1<#IH`QFN]C?3JW
MN+O3K'T,>B?YNIG_`*L5QE559<:V-87G<[:`))_.='YRFDDI22222E))))*?
M_]'U5)?*J22GZ>Z9]G]._P!&=WVBWUIY]3=[O^CMV?R%<7RJDDI^JDE\JI)*
M?JI)?*J22GZJ27RJDDI^JDE\JI)*?JI)?*J22G__V3A"24T$(0``````50``
M``$!````#P!!`&0`;P!B`&4`(`!0`&@`;P!T`&\`<P!H`&\`<````!,`00!D
M`&\`8@!E`"``4`!H`&\`=`!O`',`:`!O`'``(`!#`%,`-@````$`.$))300&
M```````'``@````!`0#_X1&W:'1T<#HO+VYS+F%D;V)E+F-O;2]X87`O,2XP
M+P`\/WAP86-K970@8F5G:6X](N^[OR(@:60](E<U33!-<$-E:&E(>G)E4WI.
M5&-Z:V,Y9"(_/B`\>#IX;7!M971A('AM;&YS.G@](F%D;V)E.FYS.FUE=&$O
M(B!X.GAM<'1K/2)!9&]B92!835`@0V]R92`U+C,M8S`Q,2`V-BXQ-#4V-C$L
M(#(P,3(O,#(O,#8M,30Z-38Z,C<@("`@("`@("(^(#QR9&8Z4D1&('AM;&YS
M.G)D9CTB:'1T<#HO+W=W=RYW,RYO<F<O,3DY.2\P,B\R,BUR9&8M<WEN=&%X
M+6YS(R(^(#QR9&8Z1&5S8W)I<'1I;VX@<F1F.F%B;W5T/2(B('AM;&YS.F1C
M/2)H='1P.B\O<'5R;"YO<F<O9&,O96QE;65N=',O,2XQ+R(@>&UL;G,Z>&UP
M/2)H='1P.B\O;G,N861O8F4N8V]M+WAA<"\Q+C`O(B!X;6QN<SIP9&8](FAT
M='`Z+R]N<RYA9&]B92YC;VTO<&1F+S$N,R\B('AM;&YS.GAM<$U-/2)H='1P
M.B\O;G,N861O8F4N8V]M+WAA<"\Q+C`O;6TO(B!X;6QN<SIS=$5V=#TB:'1T
M<#HO+VYS+F%D;V)E+F-O;2]X87`O,2XP+W-4>7!E+U)E<V]U<F-E179E;G0C
M(B!X;6QN<SIS=%)E9CTB:'1T<#HO+VYS+F%D;V)E+F-O;2]X87`O,2XP+W-4
M>7!E+U)E<V]U<F-E4F5F(R(@>&UL;G,Z<&1F>#TB:'1T<#HO+VYS+F%D;V)E
M+F-O;2]P9&9X+S$N,R\B('AM;&YS.G!H;W1O<VAO<#TB:'1T<#HO+VYS+F%D
M;V)E+F-O;2]P:&]T;W-H;W`O,2XP+R(@9&,Z9F]R;6%T/2)I;6%G92]J<&5G
M(B!X;7`Z0W)E871E1&%T93TB,C`Q-2TP-2TP,50Q-CHR-3HQ,BTP-3HP,"(@
M>&UP.D-R96%T;W)4;V]L/2)4;V]L:VET(&AT='`Z+R]W=W<N86-T:79E<&1F
M+F-O;2(@>&UP.DUE=&%D871A1&%T93TB,C`Q-2TP-2TP,E0P-3HP-SHS-"LP
M-3HS,"(@>&UP.DUO9&EF>41A=&4](C(P,34M,#4M,#)4,#4Z,#<Z,S0K,#4Z
M,S`B('!D9CI0<F]D=6-E<CTB5&]O;&MI="!H='1P.B\O=W=W+F%C=&EV97!D
M9BYC;VTB('AM<$U-.D1O8W5M96YT240](GAM<"YD:60Z0T4T.48R,S8U.$8P
M130Q,3@V03$X.#DX.3)%139$1C4B('AM<$U-.DEN<W1A;F-E240](GAM<"YI
M:60Z0T8T.48R,S8U.$8P130Q,3@V03$X.#DX.3)%139$1C4B('AM<$U-.D]R
M:6=I;F%L1&]C=6UE;G1)1#TB=75I9#HP,F)E9#5E92UE-F-A+30Y-V$M8F4X
M9"UD-F0V,V1F.64T-3(B('!D9G@Z05!42U9%4CTB-2XU+C`N,34P,C@@4')O
M(%!R;V1U8W1I;VXM,S(B('!H;W1O<VAO<#I#;VQO<DUO9&4](C,B/B`\9&,Z
M=&ET;&4^(#QR9&8Z06QT/B`\<F1F.FQI('AM;#IL86YG/2)X+61E9F%U;'0B
M/DUI8W)O<V]F="!7;W)D("T@2&]R:7IO;B!"86YC;W)P("T@4&5O<&QE<R!"
M86YC;W)P($9O<FT@4RTT($IO:6YT(%!R;WAY(%-T871E;65N="U0<F]S<&5C
M='5S+F1O8W@\+W)D9CIL:3X@/"]R9&8Z06QT/B`\+V1C.G1I=&QE/B`\9&,Z
M8W)E871O<CX@/')D9CI397$^(#QR9&8Z;&D^<G(Q,S4Y,#,\+W)D9CIL:3X@
M/"]R9&8Z4V5Q/B`\+V1C.F-R96%T;W(^(#QX;7!-33I(:7-T;W)Y/B`\<F1F
M.E-E<3X@/')D9CIL:2!S=$5V=#IA8W1I;VX](F-O;G9E<G1E9"(@<W1%=G0Z
M<&%R86UE=&5R<STB9G)O;2!A<'!L:6-A=&EO;B]P9&8@=&\@87!P;&EC871I
M;VXO=FYD+F%D;V)E+G!H;W1O<VAO<"(O/B`\<F1F.FQI('-T179T.F%C=&EO
M;CTB<V%V960B('-T179T.FEN<W1A;F-E240](GAM<"YI:60Z0T4T.48R,S8U
M.$8P130Q,3@V03$X.#DX.3)%139$1C4B('-T179T.G=H96X](C(P,34M,#4M
M,#)4,#4Z,#<Z,S0K,#4Z,S`B('-T179T.G-O9G1W87)E06=E;G0](D%D;V)E
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M;W-H;W`@=&\@:6UA9V4O:G!E9R(O/B`\<F1F.FQI('-T179T.F%C=&EO;CTB
M<V%V960B('-T179T.FEN<W1A;F-E240](GAM<"YI:60Z0T8T.48R,S8U.$8P
M130Q,3@V03$X.#DX.3)%139$1C4B('-T179T.G=H96X](C(P,34M,#4M,#)4
M,#4Z,#<Z,S0K,#4Z,S`B('-T179T.G-O9G1W87)E06=E;G0](D%D;V)E(%!H
M;W1O<VAO<"!#4S8@*%=I;F1O=W,I(B!S=$5V=#IC:&%N9V5D/2(O(B\^(#PO
M<F1F.E-E<3X@/"]X;7!-33I(:7-T;W)Y/B`\>&UP34TZ1&5R:79E9$9R;VT@
M<W12968Z:6YS=&%N8V5)1#TB>&UP+FEI9#I#130Y1C(S-C4X1C!%-#$Q.#9!
M,3@X.3@Y,D5%-D1&-2(@<W12968Z9&]C=6UE;G1)1#TB>&UP+F1I9#I#130Y
M1C(S-C4X1C!%-#$Q.#9!,3@X.3@Y,D5%-D1&-2(@<W12968Z;W)I9VEN86Q$
M;V-U;65N=$E$/2)U=6ED.C`R8F5D-65E+64V8V$M-#DW82UB93AD+60V9#8S
M9&8Y930U,B(O/B`\+W)D9CI$97-C<FEP=&EO;CX@/"]R9&8Z4D1&/B`\+W@Z
M>&UP;65T83X@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`\/WAP86-K970@96YD
M/2)W(C\^_^X`#D%D;V)E`&1``````?_;`(0``0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0("`@("`@("`@("`P,#`P,#`P,#
M`P$!`0$!`0$!`0$!`@(!`@(#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#`P,#`P,#`P,#`P,#_\``$0@`)`!J`P$1``(1`0,1`?_=``0`
M#O_$`:(````&`@,!``````````````<(!@4$"0,*`@$`"P$```8#`0$!````
M````````!@4$`P<""`$)``H+$``"`0,$`0,#`@,#`P(&"74!`@,$$042!B$'
M$R(`"#$403(C%0E10A9A)#,74G&!&&*1)4.AL?`F-'(*&<'1-2?A4S:"\9*B
M1%1S148W1V,H5597&K+"TN+R9(-TDX1EH[/#T^,I.&;S=2HY.DA)2EA96F=H
M:6IV=WAY>H6&AXB)BI25EI>8F9JDI::GJ*FJM+6VM[BYNL3%QL?(R<K4U=;7
MV-G:Y.7FY^CIZO3U]O?X^?H1``(!`P($!`,%!`0$!@8%;0$"`Q$$(1(%,08`
M(A-!40<R811Q"$*!(Y$54J%B%C,)L23!T4-R\!?A@C0EDE,88T3QHK(F-1E4
M-D5D)PIS@Y-&=,+2XO)59756-X2%H[/#T^/S*1J4I+3$U.3TE:6UQ=7E]2A'
M5V8X=H:6IK;&UN;V9W>'EZ>WQ]?G]TA8:'B(F*BXR-CH^#E)66EYB9FIN<G9
MZ?DJ.DI::GJ*FJJZRMKJ^O_:``P#`0`"$0,1`#\`W2NZ^X]\/OO#_'+X_4^$
MK.[]Q[>CWENC=VZ**MR6Q.@^K)\E489.Q=WX^AFHY=S[IW%E*.IHMI[82JHY
M,Y64E7/-44^/QU;.ONO=-7QH[!RM)TMV3V?VOW=B.PNO,+V#V_G=M=N9D[4P
MM#1]0[%KZG&9/+;BR.W,/MK;4&.Q.<VUFZM9UITBI,688C)*L/F?W7ND+_+\
M^>6UOGYL/L;L79.U<CA=J;0[#J-M8#.RM,:#<.W<WB:#?6Q#64N2I\9GL!O_
M`/T7;GP&3W'A:JC08.MS"40GJ)89RGNO=']]^Z]TSU^X<!B\CB\1D\YA\=EL
MXF2DPN+K\G14>1S$>'IEK<N^+HJB>.IR"8JC<2U)B5Q!$0SZ5-_?NO=`-\<>
M_:WY%T/8.]\-LH8'J#';ZR.TNG-\U6XH:_*]Q8/;,:8K=78)VI%C*:78^VWW
MO35^/PL5555-7E<=1)DV2FBJX81[KW1D??NO=%^^1OR<Z@^+?2':O?W:>X2F
MR>H:!7W'0[<6GSNZ\EN;(/BJ/:?7&VL!%5PRY;LC?^=W#B\7@L07BGR.1RM'
M$I'G1O?NO=%[^"/5GR#DPNX?E-\RC!BOE'\AZ3%Y*OZ@PF;FR^ROBCT_`\^6
MZY^,.VZN!*+$;IW-LE<K/5[QW0M*)MP;LK:P0RMB*/$Q0>Z]TN=[?S"OAAL7
M>5=UG4_(38&\.V,9%7R5_3_4U?/W-VYC_P"&K&:M<KUKU33;PWEA%C:55,E=
M1TT()]3@`D>Z]UBIODKWKO/Q3=6_"GMR3%R2-"V<[QWAUYT72Z@@D$L>WILO
MOKL1:5DD6S3X.!]6I2@*\^Z]T6GN#YF=V=-9F.C[7[2^$O5L=1Y*>;9^UJKM
M'Y$=O8>L%-)6)$W7V#R?5FY<[*(8615H\;())M*^D,I/NO=&,ZSVU\F^Q-J;
M2[&F^4U1C\'O;;V$W;C-M57Q/Q_6.XL5CMP8NFR=-B]R;7[`W5N/=FV\Y11U
M02IHJT15=+,K12KJ4^_=>Z,?_=3L/_GZU3_QY/\``?\`CR]M?\??_P`]Y^C_
M`($?]6W_`(`_X>_=>Z__T-GG;?:N7VI\(NZ/EAM2"*K[_P#F5O\`S,?582HH
MDR=7O'LC>2=`?%#:-#6U2PRU>)V1MF/!UDT`],6G)52HIEF8^Z]T5C^;)GL-
MTW\.^A_Y5/4V5;)=@_(OKVDZBQ^WJ#+8S;^YM^=>[-BV;L&3;=9,9G3%GY"=
ML[QV_M_-U%1$\%1MS([DF#F6F9A[KW5L_P`1>L^F_BMU;U[\2]K[WV%D.RMG
M[6_O%O\`QN/RV#H=\;[WYN!HMQ=F]N9O:,=?)G89M^;RSD^5FD>(Q0K6QQ(5
MA6)1[KW0^=L=H[.Z4ZWWCVKO^OFQVTMD86HS.6DI*67(9.KT,E/08;!XNG!J
M\UN//Y.>&AQM!`&J*ZOJ(:>)6DD53[KW5!':T>_NT^W<W4;XP5)2_*/MG;>W
MN@MIM.IW'4_'K&]X52;M[!Z.ZGW!B*R6';B[8Z@P&*?L;<-%#)-E\A%F'9HZ
M&FQ<<?NO=7_=7=<[:ZBZZV5UCL^D2CVUL;;F+VWB8EBAA:2#&TR0O65"4\<4
M)K<A.'J)V50'FE=K<^_=>Z#[Y,][8_XZ]/;E[$.&GWCNYOM=K=3]98VHC@W%
MV]W#NB0XKK;JS;(</_N6WEN66&!Z@J:?&T0J*^J:*CI*B:/W7NM9[X'_`!N_
MF(=[9_#;EW%U_P!;;;V%\>NRMZ[GH.S_`):9G#]DY#N;^9)FL_F:3Y6_.L]0
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MXO?'K=65VCBJ>FD$[U5#VUWWA!A.S>Q<C54]4*>LI,#-MG`@1E/%7*?N']U[
MHR/5?0'2'1V/3&=0]3]?]=0+`L$T^U-K8C$Y/(*+:ILQFJ>E&8S=9.PU2U%9
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MSK7+=^XW&[CI<P^)[(^3<&`SE?U7_%:+&P)6;@VEU-CZ7[Z&BHI6JJ_=&9Q[
MP**K%Q:O=>ZK8_E2=3_)S<F[=Q?*;YF;TZIV_O+IFCW/2]I18C;@:./Y(]R4
MF`[<^263S&<W%D(,'L&KZ3V#D-N]9@X:*:AI8\7F8!4LPFDD]U[JXWY1?+OK
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MO=7"?'+X6="_%J"CI^K<%FM&`P$.Q=@_WKW%D=T+U9U7CIGDV_U'UC!D7:EV
M;U]MZ-Q'%!31BLKM"RY&IK9U$WOW7NC)87:VV=MR9>;;NW<%@)MP92HSF>EP
MN(Q^*DS>:JSJJ\QEWH:>!LEE*IN9*B8O*Y^K'W[KW3[[]U[KWOW7NO>_=>Z]
M[]U[K__2V^?C)MNLW_NKYV]O&MRFU-W=J=[[LZ5P.X*22>>OVULGXY;<3I[:
M%9BL=EX/LZ>>FWRNY<]"`C4]1)E`_K1KGW7NAM^*/Q7ZI^'?3N%Z>ZFQ7V]%
M%,FX-[;HK$A&Y.T.RJ[$8C&[O[5WM-3)%2U>]-\U.'CJLA)!'#3B7T0Q11(D
M:^Z]T@MLRU7;OS-WYN&>AU[&^*>R\?UAM2NEACD@R'=7;^.Q&^.T*Z@JHIB"
M^SNM(=KXX:E+1RYNOB])#:O=>Z,=VCU5U[W5LNNZ[[3VMC]Z;)R>5VKFLCMS
M*M5#'UN2V3NO";XVQ/5+25%-+,F*W5MRBJQ$S&*5H`DJO&SHWNO=0-L=-]=[
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MW7__T]_CW[KW7O?NO=%P^-']PO[O]H_W)^[_`(G_`+,!W/\`Z2_XC]M_$/\`
M29_?&L_COW'VO[/VG\,^Q^PMS_#/MK\W]^Z]T8_W[KW7O?NO=>]^Z]U[W[KW
A7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=?__9
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>16
<FILENAME>g915197dsp135.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g915197dsp135.jpg
M_]C_X14)17AI9@``34T`*@````@`"`$2``,````!``$```$:``4````!````
M;@$;``4````!````=@$H``,````!``(```$Q``(````>````?@$R``(````4
M````G`$[``(````)````L(=I``0````!````O````.@`+<;````G$``MQL``
M`"<0061O8F4@4&AO=&]S:&]P($-3-B`H5VEN9&]W<RD`,C`Q-3HP-3HP,B`P
M-3HQ,3HR-0!R<C$S-3DP,P```````Z`!``,````!__\``*`"``0````!```"
M6:`#``0````!```!A``````````&`0,``P````$`!@```1H`!0````$```$V
M`1L`!0````$```$^`2@``P````$``@```@$`!`````$```%&`@(`!`````$`
M`!.[`````````$@````!````2`````'_V/_M``Q!9&]B95]#30`!_^X`#D%D
M;V)E`&2``````?_;`(0`#`@("`D(#`D)#!$+"@L1%0\,#`\5&!,3%1,3&!$,
M#`P,#`P1#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`$-"PL-#@T0#@X0
M%`X.#A04#@X.#A01#`P,#`P1$0P,#`P,#!$,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`P,#`P,_\``$0@`9P"@`P$B``(1`0,1`?_=``0`"O_$`3\```$%`0$!
M`0$!``````````,``0($!08'"`D*"P$``04!`0$!`0$``````````0`"`P0%
M!@<("0H+$``!!`$#`@0"!0<&"`4###,!``(1`P0A$C$%05%A$R)Q@3(&%)&A
ML4(C)!52P6(S-'*"T4,')9)3\.'Q8W,U%J*R@R9$DU1D1<*C=#87TE7B9?*S
MA,/3=>/S1B>4I(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]C='5V=WAY>GM\?7
MY_<1``("`0($!`,$!08'!P8%-0$``A$#(3$2!$%187$B$P4R@9$4H;%"(\%2
MT?`S)&+A<H*20U,58W,T\24&%J*R@P<F-<+21)-4HQ=D154V=&7B\K.$P]-U
MX_-&E*2%M)7$U.3TI;7%U>7U5F9VAI:FML;6YO8G-T=79W>'EZ>WQ__:``P#
M`0`"$0,1`#\`]$Q.E=,LQ:;+,6I[WL:Y[G,!)<X;G.<XCW.<Y%_8_2?^X=/_
M`&VW^Y%P?Z%C_P#%,_ZD(;\G,9D6-.+.,QI<+Q8V70T/VBK^ONK^DDI;]C])
M_P"X=/\`VVW^Y+]C])_[AT_]MM_N3UYF596VQN([:\!P][.")_>3_:,O_N([
M_/9_Y))3']C])_[AT_\`;;?[DOV/TG_N'3_VVW^Y2^T9?_<1W^>S_P`DE]HR
M_P#N([_/9_Y))3']C])_[AT_]MM_N60>H_5%EE]=N/74[%L=5;OI$#9HZW<&
MN_0[_P!&W_A%L_:,O_N([_/9_P"22^T9?_<1W^>S_P`DDIQSG_5(TW6UX]=I
MHKLN?6VB'%E6WU-OJ,8S\]GLWHM-_P!5KK10W'J%Y=Z8I=3M=NA[MC@6>S^8
MN^G_`*):?VC+_P"XCO\`/9_Y)+[1E_\`<1W^>S_R22G$KZK]4'X]=[L9M8L+
M1L?CD.;O#+&FSV%C6^G;79]/Z%B([/\`J:T2YE+=&N`-#@2'M]6O:/2]VYCO
MHM6O]HR_^XCO\]G_`))+[1E_]Q'?Y[/_`"22FGAU?5O.<]F)11::VM<^*H`#
MB]C/<YC6_2IL5K]C])_[AT_]MM_N4OM&7_W$=_GL_P#))?:,O_N([_/9_P"2
M24Q_8_2?^X=/_;;?[DOV/TG_`+AT_P#;;?[E+[1E_P#<1W^>S_R27VC+_P"X
MCO\`/9_Y))3']C])_P"X=/\`VVW^Y+]C])_[AT_]MM_N4OM&7_W$=_GL_P#)
M)?:,O_N([_/9_P"224Q_8_2?^X=/_;;?[D',Z5TVO$NLKQ:F/96YS'M8`YK@
M-S7L<WW-<UR._-OKVNMQG-87L87;F&-[FU-,;OWGJ>?_`$'(_P"*?_U)24__
MT/3L'^A8_P#Q3/\`J0A9/4,-KK<5UD7-8\EI!X#?4<=T;?H.1<'^A8__`!3/
M^I"G?_,61^Z[\B2G/Q<UUXQ<?"NJ_H_J6.<US^/2:R`U]/TM[E:]/J7^GH_[
M9?\`^]*%C$^OAS_W%=^7'5])3EG/R1E'$]8>J&[S^I9&R-WI?S_J>A]+_A/H
M?I?YM1'4KBT..2QL]CB7@C7;J/65G[7U#]H''&`[[)Z>X9?JLULW^GZ/H3ZN
MWT?T_J_];4F96:7`/PGM!CW"RLQ/TY]_YJ2FK^T;@7-=D,:6.<T@XEWYI<R?
MY[Z'L]KU9J.?=6VVO(H+'@.:?0>)!U'.2GQ\G-L<QM^&:);+W>HQ[0Z)VMVG
M>]O\O8K:2FC=D96)92[*NI--CRQT5N81[++&G<;K?SJ_W$3]J=/_`-.W\4^5
M_/X?_''_`,\WJRDIJ_M3I_\`IV_BE^U.G_Z=OXJTDDIJ_M3I_P#IV_BE^U.G
M_P"G;^*M(61E4XX'J.]SM&5M!<]Q'/IULE[]OYVU)2+]J=/_`-.W\56?]8^C
M-RWX7VC?D5L%EE=;'V;6N<:V[W5,>UMFYO\`,_SJ/Z69EZWDXM)_P-;OTI_X
MV^L_HO\`B\;_`-B_\&K5===3!74T,8WAK1`"2FC^W>GGZ)M<>/YJQO\`TK6,
M:F'6L<\,</ZSJV_EMW+1224XO4>IW68S6XK*++3=0&UOO+9_35?G,IM6EG_T
M'(_XI_\`U)4>H_T<?\=3_P"?:E+/_H.1_P`4_P#ZDI*?_]'T[!_H6/\`\4S_
M`*D(61T_$+[<O8?7=6YI<'.&A;L^BUVSZ+?I(N#_`$+'_P"*9_U(0LBK-W76
M#(:*"QT5%@=KL`:[?N8[Z>]VU)37QJV8UF):&VN8[&+21ZMH!_0%K?\`"[/S
ME=^VT_NV_P#;-O\`Z35?$KZA]EHC(JCTV?X%W[H_[L(OI=1_[D5?]LN_]Z$E
M(#DYGVDN]4#%VQZ?V._U-V[Z7K^IZ>WTO9_1OYS]+_P*@V_J+0/TXL/#B[$N
M&GN]PV._J>U6O2ZC_P!R*O\`MEW_`+T)>EU'_N15_P!LN_\`>A)37%^:'SZ\
ML+MVTXETAL:UAP<U6_MM/[MO_;-O_I-0]+J/_<BK_MEW_O0EZ74?^Y%7_;+O
M_>A)2+)=7E6XM8;;#;2YQVVUP/3N;_.;:]ON<W\Y'^P4?O6_]O6_^E%'TNH_
M]R*O^V7?^]"7I=1_[D5?]LN_]Z$E,OL%'[UO_;UO_I1,["QFM+G.L#0))-UH
M``_ZXAWNS,>HVVY5+6"!_,N)))VM8QK;]S['N]E=;/?8]`&)U/,#;,NRME;3
MN9C.J)$Z;;,G;?M>]COYJK?Z-?\`PUOI65)2+#MIZMCU9?2W6C#N&YF7<^X;
MFS'Z#%M>RS\WZ>0VIGT+:Z\JI7*>D8=1+@;76N$/N==8;'`=G6;_`*'_``?\
MU^XQ3]+J/_<BK_MEW_O0EZ74?^Y%7_;+O_>A)3+[!1^];_V];_Z42^P4?O6_
M]O6_^E%'TNH_]R*O^V7?^]"7I=1_[D5?]LN_]Z$E,OL%'[UO_;UO_I1+[!1^
M];_V];_Z44?2ZC_W(J_[9=_[T)>EU'_N15_VR[_WH24AS<2FNEKVFPD741NM
ML</YZK\U[RU6,_\`H.1_Q3_^I*K9K,T4L-EU;F>M1+6U%I_GJOSO6?\`]2K.
M?_0<C_BG_P#4E)3_`/_2]!Z?D7'+JQY/H-PJG[8;MWDD3O'Z3=L'T7JQ?D9.
M^ZK[*XT!CB+PYL$[=VWTW%K_`'.]O[BJ=->1U%M8#0#@4.=$;B=SVMW^W=]'
MZ'O?_P!;_/N9.=B-]3'=<UMVQYV$P8:W>\_V&/:DIAB9-PQ:1]DN/Z-FLU?N
MC_AT7[5?_P!P[OOJ_P#2Z#B=3Z:,2@'+H_FV?X1G[H_E(O[4Z9_W+H_[<9_Y
M))2_VJ__`+AW??5_Z72^U7_]P[OOJ_\`2Z';UGI-(!?ETR=6M:\.<==OLKKW
M6/\`[#54KZ\]]MX<W%JI86BAUF6S>\%LV^I56RUE/IV>QGZ:SU/^#24W_M5_
M_<.[[ZO_`$NE]JO_`.X=WWU?^EU5_;50&K\;^SDL/_5!B0Z[C_G&KY9%)_\`
M1C4E-K[5?_W#N^^K_P!+H5_4W4EK78EQML_FJFFHN=$;MH]?Z+=WOL?^C8JF
M3]80T5MQ:F6/LL:QSG7XX96PSNR;/T^]]=7^CK_2/5C&RNE4[K'YM-N19'JW
M.L9)CZ+&C=^CI9_@ZF_^?K+;;$I:EN2;ADY6+;;>)]-K35Z=0(C;3NN;N?M]
MK\A[?4L_X&K]`K/VJ_\`[AW??5_Z73?M3IG_`'+H_P"W&?\`DDOVITS_`+ET
M?]N,_P#))*7^U7_]P[OOJ_\`2Z7VJ_\`[AW??5_Z73?M3IG_`'+H_P"W&?\`
MDE"WK/2:?YS,H!B=OJ-+B/Y+&G>Y)23[5?\`]P[OOJ_]+I?:K_\`N'=]]7_I
M=57=;H>=M-E+!_I+[6LT_>;2TNN_L6_9U5:V@]3?GV]=]ME`H^R5V5MH:X.]
M3[174]UVVUWT-V[_`+YL2G4^U7_]P[OOJ_\`2Z7VJ_\`[AW??5_Z757UNE&"
M[J6Z/^[`;_Y[<Q+U.B?]SAK_`-W'_P#I=)3/-ON?2QIQK:P;J/<XUP/TM7[E
MSG*QG_T'(_XI_P#U)6-UG"^K?5,'[%D65Y3+;J`:OM#B7?I6-_,N]3\];.?_
M`$'(_P"*?_U)24__T_3,"M@Q:+`T!YJ8"Z-2`T:;D6X?HK"![BT\<\*&#_0L
M?_BF?]2%6ZATO&R:LISWW,=?194YU=CF[6O9Z3G5-]U3+6M;^CL]/Z:2DM>5
M31BT-L)-KJVD5-!=8=!_@V2_^VAVWY#A-]K.G4^!<PW'XN=NQZ?_`&9_XRI4
M.G_5G&HZ?371D9#@ZJL.^T6V7!T-`#K(LI=_F/KJ9_@JF*S7T]^-]'&:]HY=
M1<^MY_ZU8YK/_9I)2>G)Z72",=_JN=])U>Z][HF/4L9ZUK]O\M#Q^N59&7EX
MS<3+9]C-;3:^AS:[?4!?.,[Z5GI;=MOL8EOPFZ7_`&G'/<VV7!H_K7LL?C_^
M#(U5.#>":;GV@1)9D6.B1O;]&W]UVY)3+[>W_07_`/;;DAG@_P"`O_[;*E]A
MI_>N_P"WK?\`THE]AI_>N_[>M_\`2B2FMF=9.*<8#!S,C[3<VB::MPKW?X?)
ME[?2QF?X2U6/M5_;#N^,U1_Y_3_8:?WKO^WK?_2B7V&G]Z[_`+>M_P#2B2EO
M6SW?1QF-_KVQ_P">Z[4Q=U,M,5T,=M,'U'O&Z/;_`(*KVIW8>.T%SGV@#4DW
MV@?^?56#^FN,56WW^=-E]@']9]3WUL_M.24KI^+UBW"J_;5]8RX(NKP=S*3[
MG;"VVS];_F]F[;94KU-%-((J8&[M7$<N/[SW?2>[^LLO"M?G8E635A9F/ZK=
MWI9=SZ7MU+=ME;;KK&?1_<1OL68[32KS^T9%G_1W8W_5)*=))9XZ;D'Z>6]H
M_P"#-@/_`(/=DH8Z([[2;G=1S7,-8K]#U0&!P=O]?V,8_P!7\SZ?I_R/H)*=
M1)9_[(';,RQ_UT_Q"<=)C_M;EGXV?^8I*2]1_HX_XZC_`,^U*6?_`$'(_P"*
M?_U)6=U/IF2W%!Q^H7UV^M1M=9MM:(NI)#JCZ>[?]#Z:T<_^@Y'_`!3_`/J2
MDI__U/3L'^A8_P#Q3/\`J0H9;<L[G56,;3Z;M[',+B7;7;2'->SV[MBG@_T+
M'_XIG_4A+*L>UGIMJ?9ZC7B6[8$-)&[<YOT_H,24U\2OJ7V6F+Z`/39IZ+_W
M1_W91?3ZG_W(H_[9?_[TJ&-DW,QJF.Q+@6L:"/9H8&G\ZB?;+/\`N+=]S/\`
MTJDI;T^I_P#<BC_ME_\`[TJH>BS?=DEF']HR-INN^RG>\L&RLOL^T;_T;/:Q
M7/MEG_<6[_H?^E4PS;"YP^R7C;$$^G!D;O;^E_-24UV=-S&&6Y0;X0+B!\&6
M9=E7_04QC=::[VYU+VSQ9CDF/C5DTHWVRS_N+=]S/_2J7VRS_N+=]S/_`$JD
MIIY3_K+2^D8[,;*;;<UECMKJO2J(=OR7,?<_U_3<UGZ&M^]^]&.-UAY]^;4U
ML?1JH+2?B^S(M_Z&Q%.;8-OZI>9,:>GIH3N=^E^CHG^V6?\`<6[_`*'_`*52
M4U1TJ[=N<^BUP,M==59:1_4=?EV;/[*L^GU/_3T?]L/_`/>E/]LL_P"XMWW,
M_P#2J0R["8^RW#X[/_2J2EO3ZG_W(H_[9?\`^]*7I]3_`.Y%'_;+_P#WI3,S
MK',:XX=[2X3M=Z<CR,6J7VRS_N+=]S/_`$JDI;T^I_\`<BC_`+9?_P"]*7I]
M3_[D4?\`;+__`'I3_;+/^XMWW,_]*IOMMF_;]DOB`=WZ.-21M_G?I>U)2O3Z
MG_W(H_[9?_[TI>GU/_N11_VR_P#]Z4_VRS_N+=_T/_2J7VRS_N+=]S/_`$JD
MIKYK,\4L-MU+F>M1N:VIS2?TM7#CD/\`^H5G/_H.1_Q3_P#J2@95UUU;:VXU
MH)MI,G9``MK<YW\Y^:T;D?/_`*#D?\4__J2DI__5]#Q>H.KQJJSB9#BQ@;N:
MUI:=HV[F.%GN8[\Q!R<W`?;NR<2X6!L>X`>V+/S?5_==<OFU))3]'8^;TEF6
MQU&)8<L50R-KG^E#?HCU2[T]NQ7_`-IN_P"X>3_F-_\`)KYB224_3&3U"I])
M;D8>0*B1.YH:)!&SW>HW\]4W971C4\.Q+/3(:+-6Q`'Z/=^F_<:OG-))3]-L
MZE#&AF'D[8&V&-B.W^$4OVF[_N'D_P"8W_R:^8DDE/T<<OI9L/ZI=ZKGSVW;
MY=]']-[7ZO\`HJQB=0QF-?\`9,.\M<\E^QK2-Q#?^$.WV[5\TI)*?IW]IN_[
MAY/^8W_R:K9.=AOLK=DX=X>T@U[@&ZSI[?5&[W+YK224_1].9TQKZ#3B7;VR
M<>(.A!#MGZ;W-^DKW[3=_P!P\G_,;_Y-?,222GZ:NZBQU;FVX>3L/TI:!^/J
M*DW*Z1!#<2V`R'01]`NTW?IO](?:[]]?.222GZ9IZBQM+&TX>1Z0:!7M:TC;
M'MVGU$3]IN_[AY/^8W_R:^8DDE/T?=E]*=98Z[$M]1Q'J;H!F?;IZWM]R3LO
M#+,MN-BVMNM9LN<=L#Z;6.N_2N]/W&W>_P#XQ?."22G_V?_M'3)0:&]T;W-H
M;W`@,RXP`#A"24T$!```````81P!6@`#&R5''`(```*MG!P"4``(<G(Q,S4Y
M,#,<`@4`0$UI8W)O<V]F="!7;W)D("T@2&]R:7IO;B!"86YC;W)P("T@4&5O
M<&QE<R!"86YC;W)P($9O<FT@4RTT($IO:6X`.$))300E```````0:G!AYX@^
MPE`.L>Q:!OC37CA"24T$.@``````Y0```!`````!```````+<')I;G1/=71P
M=70````%`````%!S=%-B;V]L`0````!);G1E96YU;0````!);G1E`````$-L
M<FT````/<')I;G13:7AT965N0FET8F]O;``````+<')I;G1E<DYA;65415A4
M`````0``````#W!R:6YT4')O;V93971U<$]B:F,````,`%``<@!O`&\`9@`@
M`%,`90!T`'4`<```````"G!R;V]F4V5T=7`````!`````$)L=&YE;G5M````
M#&)U:6QT:6Y0<F]O9@````EP<F]O9D--64L`.$))300[``````(M````$```
M``$``````!)P<FEN=$]U='!U=$]P=&EO;G,````7`````$-P=&YB;V]L````
M``!#;&)R8F]O;```````4F=S36)O;VP``````$-R;D-B;V]L``````!#;G1#
M8F]O;```````3&)L<V)O;VP``````$YG='9B;V]L``````!%;6Q$8F]O;```
M````26YT<F)O;VP``````$)C:V=/8FIC`````0```````%)'0D,````#````
M`%)D("!D;W5B0&_@````````````1W)N(&1O=6)`;^````````````!";"`@
M9&]U8D!OX````````````$)R9%15;G1&(U)L=````````````````$)L9"!5
M;G1&(U)L=````````````````%)S;'15;G1&(U!X;$!RP```````````"G9E
M8W1O<D1A=&%B;V]L`0````!09U!S96YU;0````!09U!S`````%!G4$,`````
M3&5F=%5N=$8C4FQT````````````````5&]P(%5N=$8C4FQT````````````
M````4V-L(%5N=$8C4')C0%D````````````08W)O<%=H96Y0<FEN=&EN9V)O
M;VP`````#F-R;W!296-T0F]T=&]M;&]N9P`````````,8W)O<%)E8W1,969T
M;&]N9P`````````-8W)O<%)E8W12:6=H=&QO;F<`````````"V-R;W!296-T
M5&]P;&]N9P``````.$))30/M```````0`2P````!``(!+`````$``CA"24T$
M)@``````#@`````````````_@```.$))300-```````$````>#A"24T$&0``
M````!````!XX0DE-`_,```````D```````````$`.$))32<0```````*``$`
M`````````CA"24T#]0``````2``O9F8``0!L9F8`!@```````0`O9F8``0"A
MF9H`!@```````0`R`````0!:````!@```````0`U`````0`M````!@``````
M`3A"24T#^```````<```_____________________________P/H`````/__
M__________________________\#Z`````#_________________________
M____`^@`````_____________________________P/H```X0DE-!`@`````
M`!`````!```"0````D``````.$))300>```````$`````#A"24T$&@`````#
M40````8``````````````80```)9````#@`Y`#$`-0`Q`#D`-P!?`#``,``Q
M`"T`,0`S`#4````!``````````````````````````$``````````````ED`
M``&$``````````````````````$`````````````````````````$`````$`
M``````!N=6QL`````@````9B;W5N9'-/8FIC`````0```````%)C=#$````$
M`````%1O<"!L;VYG``````````!,969T;&]N9P``````````0G1O;6QO;F<`
M``&$`````%)G:'1L;VYG```"60````9S;&EC97-6;$QS`````4]B:F,````!
M```````%<VQI8V4````2````!W-L:6-E241L;VYG``````````=G<F]U<$E$
M;&]N9P`````````&;W)I9VEN96YU;0````Q%4VQI8V5/<FEG:6X````-875T
M;T=E;F5R871E9`````!4>7!E96YU;0````I%4VQI8V54>7!E`````$EM9R``
M```&8F]U;F1S3V)J8P````$```````!28W0Q````!`````!4;W`@;&]N9P``
M````````3&5F=&QO;F<``````````$)T;VUL;VYG```!A`````!29VAT;&]N
M9P```ED````#=7)L5$585`````$```````!N=6QL5$585`````$```````!-
M<V=E5$585`````$```````9A;'1486=415A4`````0``````#F-E;&Q497AT
M27-(5$U,8F]O;`$````(8V5L;%1E>'1415A4`````0``````"6AO<GI!;&EG
M;F5N=6T````/15-L:6-E2&]R>D%L:6=N````!V1E9F%U;'0````)=F5R=$%L
M:6=N96YU;0````]%4VQI8V5697)T06QI9VX````'9&5F875L=`````MB9T-O
M;&]R5'EP965N=6T````115-L:6-E0D=#;VQO<E1Y<&4`````3F]N90````ET
M;W!/=71S971L;VYG``````````IL969T3W5T<V5T;&]N9P`````````,8F]T
M=&]M3W5T<V5T;&]N9P`````````+<FEG:'1/=71S971L;VYG```````X0DE-
M!"@```````P````"/_`````````X0DE-!!$```````$!`#A"24T$%```````
M!`````,X0DE-!`P`````$]<````!````H````&<```'@``#!(```$[L`&``!
M_]C_[0`,061O8F5?0TT``?_N``Y!9&]B90!D@`````'_VP"$``P("`@)"`P)
M"0P1"PH+$14/#`P/%1@3$Q43$Q@1#`P,#`P,$0P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`P,#`P,#`P!#0L+#0X-$`X.$!0.#@X4%`X.#@X4$0P,#`P,$1$,#`P,
M#`P1#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#/_``!$(`&<`H`,!(@`"
M$0$#$0'_W0`$``K_Q`$_```!!0$!`0$!`0`````````#``$"!`4&!P@)"@L!
M``$%`0$!`0$!``````````$``@,$!08'"`D*"Q```00!`P($`@4'!@@%`PPS
M`0`"$0,$(1(Q!4%181,B<8$R!A21H;%"(R054L%B,S1R@M%#!R624_#A\6-S
M-1:BLH,F1)-49$7"HW0V%])5XF7RLX3#TW7C\T8GE*2%M)7$U.3TI;7%U>7U
M5F9VAI:FML;6YO8W1U=G=X>7I[?'U^?W$0`"`@$"!`0#!`4&!P<&!34!``(1
M`R$Q$@1!46%Q(A,%,H&1%*&Q0B/!4M'P,R1BX7*"DD-3%6-S-/$E!A:BLH,'
M)C7"TD235*,79$55-G1EXO*SA,/3=>/S1I2DA;25Q-3D]*6UQ=7E]59F=H:6
MIK;&UN;V)S='5V=WAY>GM\?_V@`,`P$``A$#$0`_`/1,3I73+,6FRS%J>][&
MN>YS`27.&YSG.(]SG.1?V/TG_N'3_P!MM_N1<'^A8_\`Q3/^I"&_)S&9%C3B
MSC,:7"\6-ET-#]HJ_K[J_I)*6_8_2?\`N'3_`-MM_N2_8_2?^X=/_;;?[D]>
M9E65ML;B.VO`</>S@B?WD_VC+_[B._SV?^224Q_8_2?^X=/_`&VW^Y+]C])_
M[AT_]MM_N4OM&7_W$=_GL_\`))?:,O\`[B._SV?^224Q_8_2?^X=/_;;?[ED
M'J/U199?7;CUU.Q;'56[Z1`V:.MW!KOT._\`1M_X1;/VC+_[B._SV?\`DDOM
M&7_W$=_GL_\`))*<<Y_U2--UM>/7::*[+GUMHAQ95M]3;ZC&,_/9[-Z+3?\`
M5:ZT4-QZA>7>F*74[7;H>[8X%GL_F+OI_P"B6G]HR_\`N([_`#V?^22^T9?_
M`'$=_GL_\DDIQ*^J_5!^/7>[&;6+"T;'XY#F[PRQIL]A8UOIVUV?3^A8B.S_
M`*FM$N92W1K@#0X$A[?5KVCTO=N8[Z+5K_:,O_N([_/9_P"22^T9?_<1W^>S
M_P`DDIIX=7U;SG/9B446FMK7/BJ``XO8SW.8UOTJ;%:_8_2?^X=/_;;?[E+[
M1E_]Q'?Y[/\`R27VC+_[B._SV?\`DDE,?V/TG_N'3_VVW^Y+]C])_P"X=/\`
MVVW^Y2^T9?\`W$=_GL_\DE]HR_\`N([_`#V?^224Q_8_2?\`N'3_`-MM_N2_
M8_2?^X=/_;;?[E+[1E_]Q'?Y[/\`R27VC+_[B._SV?\`DDE,?V/TG_N'3_VV
MW^Y!S.E=-KQ+K*\6ICV5N<Q[6`.:X#<U['-]S7-<COS;Z]KK<9S6%[&%VYAC
M>YM33&[]YZGG_P!!R/\`BG_]24E/_]#T[!_H6/\`\4S_`*D(63U##:ZW%=9%
MS6/):0>`WU''=&WZ#D7!_H6/_P`4S_J0IW_S%D?NN_(DIS\7-=>,7'PKJOZ/
MZECG-<_CTFL@-?3]+>Y6O3ZE_IZ/^V7_`/O2A8Q/KX<_]Q7?EQU?24Y9S\D9
M1Q/6'JAN\_J61LC=Z7\_ZGH?2_X3Z'Z7^;41U*XM#CDL;/8XEX(UVZCUE9^U
M]0_:!QQ@.^R>GN&7ZK-;-_I^CZ$^KM]']/ZO_6U)F5FEP#\)[08]PLK,3].?
M?^:DIJ_M&X%S79#&ECG-(.)=^:7,G^>^A[/:]6:CGW5MMKR*"QX#FGT'B0=1
MSDI\?)S;',;?AFB6R]WJ,>T.B=K=IWO;_+V*VDIHW9&5B64NRKJ338\L=%;F
M$>RRQIW&ZW\ZO]Q$_:G3_P#3M_%/E?S^'_QQ_P#/-ZLI*:O[4Z?_`*=OXI?M
M3I_^G;^*M))*:O[4Z?\`Z=OXI?M3I_\`IV_BK2%D95..!ZCO<[1E;07/<1SZ
M=;)>_;^=M24B_:G3_P#3M_%5G_6/HS<M^%]HWY%;!9976Q]FUKG&MN]U3'M;
M9N;_`#/\ZC^EF9>MY.+2?\#6[]*?^-OK/Z+_`(O&_P#8O_!JU7774P5U-#&-
MX:T0`DIH_MWIY^B;7'C^:L;_`-*UC&IAUK'/#'#^LZMOY;=RT4DE.+U'J=UF
M,UN*RBRTW4!M;[RV?TU7YS*;5I9_]!R/^*?_`-25'J/]''_'4_\`GVI2S_Z#
MD?\`%/\`^I*2G__1].P?Z%C_`/%,_P"I"%D=/Q"^W+V'UW5N:7!SAH6[/HM=
ML^BWZ2+@_P!"Q_\`BF?]2$+(JS=UU@R&B@L=%18':[`&NW[F.^GO=M24U\:M
MF-9B6AMKF.QBTD>K:`?T!:W_``NS\Y7?MM/[MO\`VS;_`.DU7Q*^H?9:(R*H
M]-G^!=^Z/^["+Z74?^Y%7_;+O_>A)2`Y.9]I+O5`Q=L>G]CO]3=N^EZ_J>GM
M]+V?T;^<_2_\"H-OZBT#].+#PXNQ+AI[O<-COZGM5KTNH_\`<BK_`+9=_P"]
M"7I=1_[D5?\`;+O_`'H24UQ?FA\^O+"[=M.)=(;&M8<'-5O[;3^[;_VS;_Z3
M4/2ZC_W(J_[9=_[T)>EU'_N15_VR[_WH24BR75Y5N+6&VPVTN<=MM<#T[F_S
MFVO;[G-_.1_L%'[UO_;UO_I11]+J/_<BK_MEW_O0EZ74?^Y%7_;+O_>A)3+[
M!1^];_V];_Z43.PL9K2YSK`T"23=:``/^N(=[LS'J-MN52U@@?S+B22=K6,:
MV_<^Q[O976SWV/0!B=3S`VS+LK96T[F8SJB1.FVS)VW[7O8[^:JW^C7_`,-;
MZ5E24BP[:>K8]67TMUHP[AN9EW/N&YLQ^@Q;7LL_-^GD-J9]"VNO*J5RGI&'
M42X&UUKA#[G76&QP'9UF_P"A_P`'_-?N,4_2ZC_W(J_[9=_[T)>EU'_N15_V
MR[_WH24R^P4?O6_]O6_^E$OL%'[UO_;UO_I11]+J/_<BK_MEW_O0EZ74?^Y%
M7_;+O_>A)3+[!1^];_V];_Z42^P4?O6_]O6_^E%'TNH_]R*O^V7?^]"7I=1_
M[D5?]LN_]Z$E(<W$IKI:]IL)%U$;K;'#^>J_->\M5C/_`*#D?\4__J2JV:S-
M%+#9=6YGK42UM1:?YZK\[UG_`/4JSG_T'(_XI_\`U)24_P#_TO0>GY%QRZL>
M3Z#<*I^V&[=Y)$[Q^DW;!]%ZL7Y&3ONJ^RN-`8XB\.;!.W=M]-Q:_P!SO;^X
MJG37D=1;6`T`X%#G1&XG<]K=_MW?1^A[W_\`6_S[F3G8C?4QW7-;=L>=A,&&
MMWO/]ACVI*88F3<,6D?9+C^C9K-7[H_X=%^U7_\`<.[[ZO\`TN@XG4^FC$H!
MRZ/YMG^$9^Z/Y2+^U.F?]RZ/^W&?^224O]JO_P"X=WWU?^ETOM5__<.[[ZO_
M`$NAV]9Z32`7Y=,G5K6O#G'7;[*Z]UC_`.PU5*^O/?;>'-Q:J6%HH=9ELWO!
M;-OJ55LM93Z=GL9^FL]3_@TE-_[5?_W#N^^K_P!+I?:K_P#N'=]]7_I=5?VU
M4!J_&_LY+#_U08D.NX_YQJ^612?_`$8U)3:^U7_]P[OOJ_\`2Z%?U-U):UV)
M<;;/YJIIJ+G1&[:/7^BW=[['_HV*ID_6$-%;<6IEC[+&L<YU^.&5L,[LFS]/
MO?75_HZ_TCU8QLKI5.ZQ^;3;D61ZMSK&28^BQHW?HZ6?X.IO_GZRVVQ*6I;D
MFX9.5BVVWB?3:TU>G4"(VT[KF[G[?:_(>WU+/^!J_0*S]JO_`.X=WWU?^ETW
M[4Z9_P!RZ/\`MQG_`))+]J=,_P"Y='_;C/\`R22E_M5__<.[[ZO_`$NE]JO_
M`.X=WWU?^ETW[4Z9_P!RZ/\`MQG_`))0MZSTFG^<S*`8G;ZC2XC^2QIWN24D
M^U7_`/<.[[ZO_2Z7VJ__`+AW??5_Z755W6Z'G;392P?Z2^UK-/WFTM+KO[%O
MV=56MH/4WY]O7?;90*/LE=E;:&N#O4^T5U/==MM=]#=N_P"^;$IU/M5__<.[
M[ZO_`$NE]JO_`.X=WWU?^EU5];I1@NZENC_NP&_^>W,2]3HG_<X:_P#=Q_\`
MZ724SS;[GTL:<:VL&ZCW.-<#]+5^Y<YRL9_]!R/^*?\`]25C=9POJWU3!^Q9
M%E>4RVZ@&K[0XEWZ5C?S+O4_/6SG_P!!R/\`BG_]24E/_]/TS`K8,6BP-`>:
MF`NC4@-&FY%N'Z*P@>XM/'/"A@_T+'_XIG_4A5NH=+QLFK*<]]S'7T65.=78
MYNUKV>DYU3?=4RUK6_H[/3^FDI+7E4T8M#;"3:ZMI%3076'0?X-DO_MH=M^0
MX3?:SIU/@7,-Q^+G;L>G_P!F?^,J5#I_U9QJ.GTUT9&0X.JK#OM%MEP=#0`Z
MR+*7?YCZZF?X*IBLU]/?C?1QFO:.747/K>?^M6.:S_V:24GIR>ET@C'?ZKG?
M2=7NO>Z)CU+&>M:_;_+0\?KE61EY>,W$RV?8S6TVOH<VNWU`7SC.^E9Z6W;;
M[&);\)NE_P!IQSW-MEP:/ZU[+'X__@R-53@W@FFY]H$269%CHD;V_1M_==N2
M4R^WM_T%_P#VVY(9X/\`@+_^VRI?8:?WKO\`MZW_`-*)?8:?WKO^WK?_`$HD
MIK9G63BG&`P<S(^TW-HFFK<*]W^'R9>WTL9G^$M5C[5?VP[OC-4?^?T_V&G]
MZ[_MZW_THE]AI_>N_P"WK?\`THDI;UL]WT<9C?Z]L?\`GNNU,7=3+3%=#';3
M!]1[QNCV_P""J]J=V'CM!<Y]H`U)-]H'_GU5@_IKC%5M]_G39?8!_6?4]];/
M[3DE*Z?B]8MPJOVU?6,N"+J\'<RD^YVPMML_6_YO9NVV5*]3132"*F!N[5Q'
M+C^\]WTGN_K++PK7YV)5DU869C^JW=Z67<^E[=2W;96VZZQGT?W$;[%F.TTJ
M\_M&19_T=V-_U22G226>.FY!^GEO:/\`@S8#_P"#W9*&.B.^TFYW4<US#6*_
M0]4!@<';_7]C&/\`5_,^GZ?\CZ"2G426?^R!VS,L?]=/\0G'28_[6Y9^-G_F
M*2DO4?Z./^.H_P#/M2EG_P!!R/\`BG_]25G=3Z9DMQ0<?J%]=OK4;76;;6B+
MJ20ZH^GNW_0^FM'/_H.1_P`4_P#ZDI*?_]3T[!_H6/\`\4S_`*D*&6W+.YU5
MC&T^F[>QS"XEVUVTAS7L]N[8IX/]"Q_^*9_U(2RK'M9Z;:GV>HUXENV!#21N
MW.;]/Z#$E-?$KZE]EIB^@#TV:>B_]T?]V47T^I_]R*/^V7_^]*AC9-S,:ICL
M2X%K&@CV:&!I_.HGVRS_`+BW?<S_`-*I*6]/J?\`W(H_[9?_`.]*J'HLWW9)
M9A_:,C:;KOLIWO+!LK+[/M&_]&SVL5S[99_W%N_Z'_I5,,VPN</LEXVQ!/IP
M9&[V_I?S4E-=G3<QAEN4&^$"X@?!EF795_T%,8W6FN]N=2]L\68Y)CXU9-*-
M]LL_[BW?<S_TJE]LL_[BW?<S_P!*I*:>4_ZRTOI&.S&RFVW-98[:ZKTJB';\
MES'W/]?TW-9^AK?O?O1CC=8>??FU-;'T:J"TGXOLR+?^AL13FV#;^J7F3&GI
MZ:$[G?I?HZ)_MEG_`'%N_P"A_P"E4E-4=*NW;G/HM<#+77566D?U'7Y=FS^R
MK/I]3_T]'_;#_P#WI3_;+/\`N+=]S/\`TJD,NPF/LMP^.S_TJDI;T^I_]R*/
M^V7_`/O2EZ?4_P#N11_VR_\`]Z4S,ZQS&N.'>TN$[7>G(\C%JE]LL_[BW?<S
M_P!*I*6]/J?_`'(H_P"V7_\`O2EZ?4_^Y%'_`&R__P!Z4_VRS_N+=]S/_2J;
M[;9OV_9+X@'=^CC4D;?YWZ7M24KT^I_]R*/^V7_^]*7I]3_[D4?]LO\`_>E/
M]LL_[BW?]#_TJE]LL_[BW?<S_P!*I*:^:S/%+#;=2YGK4;FMJ<TG]+5PXY#_
M`/J%9S_Z#D?\4_\`ZDH&5===6VMN-:";:3)V0`+:W.=_.?FM&Y'S_P"@Y'_%
M/_ZDI*?_U?0\7J#J\:JLXF0XL8&[FM:6G:-NYCA9[F._,0<G-P'V[LG$N%@;
M'N`'MBS\WU?W77+YM224_1V/F])9EL=1B6'+%4,C:Y_I0WZ(]4N]/;L5_P#:
M;O\`N'D_YC?_`":^8DDE/TQD]0J?26Y&'D"HD3N:&B01L]WJ-_/5-V5T8U/#
ML2STR&BS5L0!^CW?IOW&KYS224_3;.I0QH9AY.V!MAC8CM_A%+]IN_[AY/\`
MF-_\FOF)))3]''+Z6;#^J7>JY\]MV^7?1_3>U^K_`**L8G4,9C7_`&3#O+7/
M)?L:TC<0W_A#M]NU?-*22GZ=_:;O^X>3_F-_\FJV3G8;[*W9.'>'M(->X!NL
MZ>WU1N]R^:TDE/T?3F=,:^@TXEV]LG'B#H00[9^F]S?I*]^TW?\`</)_S&_^
M37S$DDI^FKNHL=6YMN'D[#]*6@?CZBI-RND00W$M@,AT$?0+M-WZ;_2'VN_?
M7SDDDI^F:>HL;2QM.'D>D&@5[6M(VQ[=I]1$_:;O^X>3_F-_\FOF)))3]'W9
M?2G66.NQ+?4<1ZFZ`9GVZ>M[?<D[+PRS+;C8MK;K6;+G';`^FUCKOTKO3]QM
MWO\`^,7S@DDI_]D`.$))300A``````!5`````0$````/`$$`9`!O`&(`90`@
M`%``:`!O`'0`;P!S`&@`;P!P````$P!!`&0`;P!B`&4`(`!0`&@`;P!T`&\`
M<P!H`&\`<``@`$,`4P`V`````0`X0DE-!`8```````<`"`````$!`/_A$;=H
M='1P.B\O;G,N861O8F4N8V]M+WAA<"\Q+C`O`#P_>'!A8VME="!B96=I;CTB
M[[N_(B!I9#TB5S5-,$UP0V5H:4AZ<F53>DY48WIK8SED(C\^(#QX.GAM<&UE
M=&$@>&UL;G,Z>#TB861O8F4Z;G,Z;65T82\B('@Z>&UP=&L](D%D;V)E(%A-
M4"!#;W)E(#4N,RUC,#$Q(#8V+C$T-38V,2P@,C`Q,B\P,B\P-BTQ-#HU-CHR
M-R`@("`@("`@(CX@/')D9CI21$8@>&UL;G,Z<F1F/2)H='1P.B\O=W=W+G<S
M+F]R9R\Q.3DY+S`R+S(R+7)D9BUS>6YT87@M;G,C(CX@/')D9CI$97-C<FEP
M=&EO;B!R9&8Z86)O=70](B(@>&UL;G,Z9&,](FAT='`Z+R]P=7)L+F]R9R]D
M8R]E;&5M96YT<R\Q+C$O(B!X;6QN<SIX;7`](FAT='`Z+R]N<RYA9&]B92YC
M;VTO>&%P+S$N,"\B('AM;&YS.G!D9CTB:'1T<#HO+VYS+F%D;V)E+F-O;2]P
M9&8O,2XS+R(@>&UL;G,Z>&UP34T](FAT='`Z+R]N<RYA9&]B92YC;VTO>&%P
M+S$N,"]M;2\B('AM;&YS.G-T179T/2)H='1P.B\O;G,N861O8F4N8V]M+WAA
M<"\Q+C`O<U1Y<&4O4F5S;W5R8V5%=F5N=",B('AM;&YS.G-T4F5F/2)H='1P
M.B\O;G,N861O8F4N8V]M+WAA<"\Q+C`O<U1Y<&4O4F5S;W5R8V52968C(B!X
M;6QN<SIP9&9X/2)H='1P.B\O;G,N861O8F4N8V]M+W!D9G@O,2XS+R(@>&UL
M;G,Z<&AO=&]S:&]P/2)H='1P.B\O;G,N861O8F4N8V]M+W!H;W1O<VAO<"\Q
M+C`O(B!D8SIF;W)M870](FEM86=E+VIP96<B('AM<#I#<F5A=&5$871E/2(R
M,#$U+3`U+3`Q5#$V.C(U.C$R+3`U.C`P(B!X;7`Z0W)E871O<E1O;VP](E1O
M;VQK:70@:'1T<#HO+W=W=RYA8W1I=F5P9&8N8V]M(B!X;7`Z365T861A=&%$
M871E/2(R,#$U+3`U+3`R5#`U.C$Q.C(U*S`U.C,P(B!X;7`Z36]D:69Y1&%T
M93TB,C`Q-2TP-2TP,E0P-3HQ,3HR-2LP-3HS,"(@<&1F.E!R;V1U8V5R/2)4
M;V]L:VET(&AT='`Z+R]W=W<N86-T:79E<&1F+F-O;2(@>&UP34TZ1&]C=6UE
M;G1)1#TB>&UP+F1I9#HU-31&1#,Y-#5"1C!%-#$Q.#9!,3@X.3@Y,D5%-D1&
M-2(@>&UP34TZ26YS=&%N8V5)1#TB>&UP+FEI9#HU-C1&1#,Y-#5"1C!%-#$Q
M.#9!,3@X.3@Y,D5%-D1&-2(@>&UP34TZ3W)I9VEN86Q$;V-U;65N=$E$/2)U
M=6ED.C`R8F5D-65E+64V8V$M-#DW82UB93AD+60V9#8S9&8Y930U,B(@<&1F
M>#I!4%1+5D52/2(U+C4N,"XQ-3`R."!0<F\@4')O9'5C=&EO;BTS,B(@<&AO
M=&]S:&]P.D-O;&]R36]D93TB,R(^(#QD8SIT:71L93X@/')D9CI!;'0^(#QR
M9&8Z;&D@>&UL.FQA;F<](G@M9&5F875L="(^36EC<F]S;V9T(%=O<F0@+2!(
M;W)I>F]N($)A;F-O<G`@+2!096]P;&5S($)A;F-O<G`@1F]R;2!3+30@2F]I
M;G0@4')O>'D@4W1A=&5M96YT+5!R;W-P96-T=7,N9&]C>#PO<F1F.FQI/B`\
M+W)D9CI!;'0^(#PO9&,Z=&ET;&4^(#QD8SIC<F5A=&]R/B`\<F1F.E-E<3X@
M/')D9CIL:3YR<C$S-3DP,SPO<F1F.FQI/B`\+W)D9CI397$^(#PO9&,Z8W)E
M871O<CX@/'AM<$U-.DAI<W1O<GD^(#QR9&8Z4V5Q/B`\<F1F.FQI('-T179T
M.F%C=&EO;CTB8V]N=F5R=&5D(B!S=$5V=#IP87)A;65T97)S/2)F<F]M(&%P
M<&QI8V%T:6]N+W!D9B!T;R!A<'!L:6-A=&EO;B]V;F0N861O8F4N<&AO=&]S
M:&]P(B\^(#QR9&8Z;&D@<W1%=G0Z86-T:6]N/2)S879E9"(@<W1%=G0Z:6YS
M=&%N8V5)1#TB>&UP+FEI9#HU-31&1#,Y-#5"1C!%-#$Q.#9!,3@X.3@Y,D5%
M-D1&-2(@<W1%=G0Z=VAE;CTB,C`Q-2TP-2TP,E0P-3HQ,3HR-2LP-3HS,"(@
M<W1%=G0Z<V]F='=A<F5!9V5N=#TB061O8F4@4&AO=&]S:&]P($-3-B`H5VEN
M9&]W<RDB('-T179T.F-H86YG960](B\B+SX@/')D9CIL:2!S=$5V=#IA8W1I
M;VX](F-O;G9E<G1E9"(@<W1%=G0Z<&%R86UE=&5R<STB9G)O;2!A<'!L:6-A
M=&EO;B]P9&8@=&\@:6UA9V4O:G!E9R(O/B`\<F1F.FQI('-T179T.F%C=&EO
M;CTB9&5R:79E9"(@<W1%=G0Z<&%R86UE=&5R<STB8V]N=F5R=&5D(&9R;VT@
M87!P;&EC871I;VXO=FYD+F%D;V)E+G!H;W1O<VAO<"!T;R!I;6%G92]J<&5G
M(B\^(#QR9&8Z;&D@<W1%=G0Z86-T:6]N/2)S879E9"(@<W1%=G0Z:6YS=&%N
M8V5)1#TB>&UP+FEI9#HU-C1&1#,Y-#5"1C!%-#$Q.#9!,3@X.3@Y,D5%-D1&
M-2(@<W1%=G0Z=VAE;CTB,C`Q-2TP-2TP,E0P-3HQ,3HR-2LP-3HS,"(@<W1%
M=G0Z<V]F='=A<F5!9V5N=#TB061O8F4@4&AO=&]S:&]P($-3-B`H5VEN9&]W
M<RDB('-T179T.F-H86YG960](B\B+SX@/"]R9&8Z4V5Q/B`\+WAM<$U-.DAI
M<W1O<GD^(#QX;7!-33I$97)I=F5D1G)O;2!S=%)E9CII;G-T86YC94E$/2)X
M;7`N:6ED.C4U-$9$,SDT-4)&,$4T,3$X-D$Q.#@Y.#DR144V1$8U(B!S=%)E
M9CID;V-U;65N=$E$/2)X;7`N9&ED.C4U-$9$,SDT-4)&,$4T,3$X-D$Q.#@Y
M.#DR144V1$8U(B!S=%)E9CIO<FEG:6YA;$1O8W5M96YT240](G5U:60Z,#)B
M960U964M939C82TT.3=A+6)E.&0M9#9D-C-D9CEE-#4R(B\^(#PO<F1F.D1E
M<V-R:7!T:6]N/B`\+W)D9CI21$8^(#PO>#IX;7!M971A/B`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@(#P_>'!A8VME="!E;F0](G<B/S[_[@`.061O8F4`9$``
M```!_]L`A``!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`@("`@("`@("`@(#`P,#`P,#`P,#`0$!`0$!`0$!`0$"`@$"`@,#
M`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P/_P``1"`&$`ED#`1$``A$!`Q$!_]T`!`!,_\0!H@````8"`P$`````````
M````!P@&!00)`PH"`0`+`0``!@,!`0$````````````&!00#!P((`0D`"@L0
M``(!`P0!`P,"`P,#`@8)=0$"`P01!1(&(0<3(@`(,11!,B,5"5%"%F$D,Q=2
M<8$88I$E0Z&Q\"8T<@H9P=$U)^%3-H+QDJ)$5'-%1C='8RA55E<:LL+2XO)D
M@W23A&6CL\/3XRDX9O-U*CDZ2$E*6%E:9VAI:G9W>'EZA8:'B(F*E)66EYB9
MFJ2EIJ>HJ:JTM;:WN+FZQ,7&Q\C)RM35UM?8V=KDY>;GZ.GJ]/7V]_CY^A$`
M`@$#`@0$`P4$!`0&!@5M`0(#$00A$@4Q!@`B$T%1!S)A%'$(0H$CD152H6(6
M,PFQ),'10W+P%^&"-"624QAC1/&BLB8U&50V160G"G.#DT9TPM+B\E5E=58W
MA(6CL\/3X_,I&I2DM,34Y/25I;7%U>7U*$=79CAVAI:FML;6YO9G=X>7I[?'
MU^?W2%AH>(B8J+C(V.CX.4E9:7F)F:FYR=GI^2HZ2EIJ>HJ:JKK*VNKZ_]H`
M#`,!``(1`Q$`/P#8-R'1GSQ^9/R-^:.X.M?YIO>/Q-Z\Z6^24'1.S.H>O.CN
M@=[;>H\3A/C_`-#]AU>=.X-^;2J]PU>0S6>[+K&E62:58M`56L-*^Z]T_P#_
M``V1_,G_`.]\GRJ_])A^)_\`]AGOW7NO?\-D?S)_^]\GRJ_])A^)_P#]AGOW
M7NO?\-D?S)_^]\GRJ_\`28?B?_\`89[]U[KW_#9'\R?_`+WR?*K_`-)A^)__
M`-AGOW7NO?\`#9'\R?\`[WR?*K_TF'XG_P#V&>_=>Z]_PV1_,G_[WR?*K_TF
M'XG_`/V&>_=>Z]_PV1_,G_[WR?*K_P!)A^)__P!AGOW7NO?\-D?S)_\`O?)\
MJO\`TF'XG_\`V&>_=>Z]_P`-D?S)_P#O?)\JO_28?B?_`/89[]U[KW_#9'\R
M?_O?)\JO_28?B?\`_89[]U[KW_#9'\R?_O?)\JO_`$F'XG__`&&>_=>Z]_PV
M1_,G_P"]\GRJ_P#28?B?_P#89[]U[KW_``V1_,G_`.]\GRJ_])A^)_\`]AGO
MW7NO?\-D?S)_^]\GRJ_])A^)_P#]AGOW7NO?\-D?S)_^]\GRJ_\`28?B?_\`
M89[]U[KW_#9'\R?_`+WR?*K_`-)A^)__`-AGOW7NO?\`#9'\R?\`[WR?*K_T
MF'XG_P#V&>_=>Z]_PV1_,G_[WR?*K_TF'XG_`/V&>_=>Z]_PV1_,G_[WR?*K
M_P!)A^)__P!AGOW7NO?\-D?S)_\`O?)\JO\`TF'XG_\`V&>_=>Z]_P`-D?S)
M_P#O?)\JO_28?B?_`/89[]U[KW_#9'\R?_O?)\JO_28?B?\`_89[]U[KW_#9
M'\R?_O?)\JO_`$F'XG__`&&>_=>Z]_PV1_,G_P"]\GRJ_P#28?B?_P#89[]U
M[KW_``V1_,G_`.]\GRJ_])A^)_\`]AGOW7NO?\-D?S)_^]\GRJ_])A^)_P#]
MAGOW7NO?\-D?S)_^]\GRJ_\`28?B?_\`89[]U[KW_#9'\R?_`+WR?*K_`-)A
M^)__`-AGOW7NO?\`#9'\R?\`[WR?*K_TF'XG_P#V&>_=>Z]_PV1_,G_[WR?*
MK_TF'XG_`/V&>_=>Z]_PV1_,G_[WR?*K_P!)A^)__P!AGOW7NO?\-D?S)_\`
MO?)\JO\`TF'XG_\`V&>_=>Z]_P`-D?S)_P#O?)\JO_28?B?_`/89[]U[KW_#
M9'\R?_O?)\JO_28?B?\`_89[]U[KW_#9'\R?_O?)\JO_`$F'XG__`&&>_=>Z
M]_PV1_,G_P"]\GRJ_P#28?B?_P#89[]U[KW_``V1_,G_`.]\GRJ_])A^)_\`
M]AGOW7NO?\-D?S)_^]\GRJ_])A^)_P#]AGOW7NO?\-D?S)_^]\GRJ_\`28?B
M?_\`89[]U[KW_#9'\R?_`+WR?*K_`-)A^)__`-AGOW7NO?\`#9'\R?\`[WR?
M*K_TF'XG_P#V&>_=>Z]_PV1_,G_[WR?*K_TF'XG_`/V&>_=>Z]_PV1_,G_[W
MR?*K_P!)A^)__P!AGOW7NO?\-D?S)_\`O?)\JO\`TF'XG_\`V&>_=>Z]_P`-
MD?S)_P#O?)\JO_28?B?_`/89[]U[KW_#9'\R?_O?)\JO_28?B?\`_89[]U[K
MW_#9'\R?_O?)\JO_`$F'XG__`&&>_=>Z]_PV1_,G_P"]\GRJ_P#28?B?_P#8
M9[]U[KW_``V1_,G_`.]\GRJ_])A^)_\`]AGOW7NO?\-D?S)_^]\GRJ_])A^)
M_P#]AGOW7NO?\-D?S)_^]\GRJ_\`28?B?_\`89[]U[KW_#9'\R?_`+WR?*K_
M`-)A^)__`-AGOW7NO?\`#9'\R?\`[WR?*K_TF'XG_P#V&>_=>Z]_PV1_,G_[
MWR?*K_TF'XG_`/V&>_=>Z]_PV1_,G_[WR?*K_P!)A^)__P!AGOW7NO?\-D?S
M)_\`O?)\JO\`TF'XG_\`V&>_=>Z]_P`-D?S)_P#O?)\JO_28?B?_`/89[]U[
MKW_#9'\R?_O?)\JO_28?B?\`_89[]U[KW_#9'\R?_O?)\JO_`$F'XG__`&&>
M_=>Z]_PV1_,G_P"]\GRJ_P#28?B?_P#89[]U[KW_``V1_,G_`.]\GRJ_])A^
M)_\`]AGOW7NO?\-D?S)_^]\GRJ_])A^)_P#]AGOW7NO?\-D?S)_^]\GRJ_\`
M28?B?_\`89[]U[KW_#9'\R?_`+WR?*K_`-)A^)__`-AGOW7NO?\`#9'\R?\`
M[WR?*K_TF'XG_P#V&>_=>Z]_PV1_,G_[WR?*K_TF'XG_`/V&>_=>Z]_PV1_,
MG_[WR?*K_P!)A^)__P!AGOW7NO?\-D?S)_\`O?)\JO\`TF'XG_\`V&>_=>Z]
M_P`-D?S)_P#O?)\JO_28?B?_`/89[]U[KW_#9'\R?_O?)\JO_28?B?\`_89[
M]U[KW_#9'\R?_O?)\JO_`$F'XG__`&&>_=>Z]_PV1_,G_P"]\GRJ_P#28?B?
M_P#89[]U[KW_``V1_,G_`.]\GRJ_])A^)_\`]AGOW7N@"^1/1W\PKX%[:ZQ^
M3&Z_YO?R6^1.S]J?)[XG;3WOTIF?C/T'%0=B['[7^1W6?5>\-N,.N=D2[ZDJ
M*K;^\IVA7%(]:TB`1`.0Z>Z]ULD^_=>Z_]#;S^#7_,ROYDO_`(T%S_\`\"9\
M1O?NO=6"^_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>
M_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[
MKWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_
M=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[K
MWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=
M>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KW
MOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>
MZK9_FJ?]DT]>?^+O?R[O_@Y>@??NO=63>_=>Z__1V\_@U_S,K^9+_P"-!<__
M`/`F?$;W[KW5@OOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][
M]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7N
MO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7ND+V?N;<6RNN-];PVEM>EWON7:N
MU,]N'"[/K=QQ;1IMS5^&QM1D(<&^YY\7F:;!-DC3^)*F6FEBB=@7`2[#W7NJ
M7OB__/`V_P![9_X`KV#\8=[=-]?_`,S'$]H?[*YOZG[$VMV2S;RZDJ<G_>39
MW:NT<7BMO[@V.,CC<<E1CLG1+FZ"0U<*5+T@$[P^Z]U;)N_Y%=:83$]SILW<
M6VNVNQ^C=F9W>&\NENO=];"K>T:;^#8BJRU+@J[!97<V+@VOE<]]L(*-\S-C
MJ1II%\DR)=Q[KW08?'SYO=)=X?&OXN_)'/;HVMTMBOEILG9&[>K]G=H;XVI@
M=Q9/);ZQ=!D\7LG%FOR%!!N;=L(R44+TV.$[O,P$8<%2WNO=8^XOFKU;L>7O
MKKSJK-]?=X?*/HCKK#]@YCXQT7<77/6V[ZF+=`R+[2Q6<W;V#E\7LW8DV>@Q
M4TXDRM1%]M2&*>5%BJ*=I?=>Z&S%]\]/5^.Q]74]I=8X^KJ\GA]N5..;L?9=
M9)0;RS6J*DV:]519J:DJMQS5T,M/#31,TE1)$WB5K>_=>Z4FTNT>L]_Y;>.`
MV)V+L7>N=Z[S/]W.P,+M+=VW]R9;8VX`]5$<%O'&X;(5M9MG,B2AG7[6M2"?
M5"XTW1K>Z]U21W5_.RWCT?VE_,$V#G_A#N7/87^6UB>KNQ>^MR;<[]V"<EN#
MH_MY9<QM3L+JW;6>VW@Z?<>X*?95/-E*_;^0R6(E@>!Z2*JGG,(E]U[JVK;O
MRKZ"W5M_K?+X?M38-/F>X-C;=W_UEL/<N\]L;1[`W9A]V[*;L';U/1[0W#E:
M'.19"MVJCU;Q-#J@@AED>R12,ONO=)?K_P"6>Q9.B^G^W?D?E.L?BKGNU\=`
M8]B=@=^].[BH,=N:2I:EEVI@>S]L;HFZ^[#K8V,967"U=3&_F5;![J/=>Z'/
M*=J=883?FW^K,UV/L+$=G;MQM5F-J]<Y3>&WL?OS<V(HONS6Y7;^T*O(Q;@S
M.-I!03^6>FIY(H_#)J8:&M[KW1!OFG_,!WO\3?D9\0/CW@?C?_I:E^9^Z-Q=
M==<;YD[@Q'7^%V[V5MC%U&Y,E@MZ8RKV9N;+4F`?:D(JX<G1)6R2S+)3_:AU
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M`R%;F(:3>,V4IJV&2G7'/4M.DR,@8,I/NO="M[]U[KWOW7NO>_=>Z][]U[KW
MOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>
MZ][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWO
MW7NO>_=>ZK9_FJ?]DT]>?^+O?R[O_@Y>@??NO=63>_=>Z__2V\_@U_S,K^9+
M_P"-!<__`/`F?$;W[KW5@OOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7N
MO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]
MU[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7N@Q[JCW3-U!V=3;'VJ^
M^-XUNP]U4&V-HKF\7MK^\.=K\+646,Q<FX,TRXO"P5-7.HDJ9@ZPQW;0Y`1O
M=>ZU5/@7_*1^;_P.K/Y<'R'V)TEU;D^\?CUL[MCXB_,SK&N[?P><QG:OQ\[!
MWE_?[;??7QYW9N"AEPG7?9&T,QD98J_&F+#56XH*04-1/'2R--)[KW0]?`O^
M6[W]\:=H9[9O</P_?LWY$_&WKSYM[<Z:^;E+\Q*VGVO\G9?DYNS.[U$\'25=
MN?(R[*WCV=5Y^C@W@V[\:,;A\A@_XGBYZR6I$2^Z]T3KO/\`E7_S&=[?"CK#
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M\L/</?\`_-0^<G<GS/\`A_U_V9\.?D7C_C?3]<RY[N#&YX4NZ/B1M[)8C;NY
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M5K_HOW;_`"_-P_"+XH[:[&^-/Q.;Y,[0["^&77_:U)T%N7.1_*+8V!V)6=\;
M1["W3N7;^`W=V+L['8_(T^6&Y\S]]F<5F:J&.I+S3!_=>ZS[;_EER8CY\_R]
M.T!\&NHQ\8?C#\$V^/<>(WMVE@.]-P="]D4O8VWNUNHI=H93MG'YC?&_J3X]
MUNRGQ^*S;54%?CZS<35&+18J:1I?=>Z*MT)_+9^9O4?RAQ'RBW=\5]D[DV=L
MS^8G_,I^3M5\?]J]I]49+-;\V/\`._8FTMO]6[^Q#[GKMH=;CM/H&?959AZ^
MBS%92(,%NNHEQ-=)*M51S^Z]T[_R]/Y0W>G0'S"^'_9OR3^-O1/9&Q>F?A9O
M[K4[QJ=P[$WS/T'WMNCYB;_^5_4-+U7@=S[=_CM1A?C)L3<%-U]@-QT1H<C0
MR33_`,,@IL2BAO=>Z8^[_P"5#\B-Y;>^?#;:^&/1>3W/WQ_-CZ,^9G4-;D-\
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MV]O/)X1<5F'H#+0UN27'5=,*SU^Z]TK.]OY9O;N8[OZHWU6_R_\`K7M[XP]B
M?R]V^#^_/A;TK\HX^A=N_$ZKG[AS7;^2JL#NF%>JL3O3JOL.GK\;B]T28&C;
M<-+D<1#64$%9'2T8/NO=;,NU<+!MO:^V]O4M+]C38'`X?"T]$<SE-Q?9P8O'
MT]#%2_W@S@&;SOV\<`3[RL'W55;R2_N,WOW7NG[W[KW7O?NO=>]^Z]U[W[KW
M7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^
MZ]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7
MO?NO=5L_S5/^R:>O/_%WOY=W_P`'+T#[]U[JR;W[KW7_T]O/X-?\S*_F2_\`
MC07/_P#P)GQ&]^Z]U8+[]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWO
MW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z
M][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW
M7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z]
M[]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7
MNO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][
M]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7N
MO>_=>Z][]U[JMG^:I_V33UY_XN]_+N_^#EZ!]^Z]U9-[]U[K_]3;S^#7_,RO
MYDO_`(T%S_\`\"9\1O?NO=6"^_=>Z][]U[KWOW7ND/V;V-M#J#KO?':F_P#*
M#"[*Z[VKG-Y;IR8@GJY:3";>QU1DZ]J6AI4EK,C7/!3E*>E@22>IG9(HD:1U
M4^Z]T4S.?S&?B_MC%4>X]Q;FS6#VB^(ZMK,WNW*80T6&VCN#N[8D_8_4O7^Y
MHIZM,S2[[W[MB*,T5'3TE3$*VLHZ.::*KKJ.&?W7NC+]6=O[8[:AWA'A:/.X
M+/\`7F[9=C;]V?NJAIL=N;:6YEP."W52T&4IJ*NR>.EBR>UMSX[(TM12U-13
M3TM8A634'5/=>Z%3W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=
M>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[
MKW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>
M]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[K
MW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]
M^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW
M7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW5;/\U3_LFGKS_Q=[^7=_\`!R]`
M^_=>ZLF]^Z]U_]7;S^#7_,ROYDO_`(T%S_\`\"9\1O?NO=6"^_=>Z][]U[KW
MOW7NB\_)[X]8OY-=4Y;K/([X["Z\GG7*5F%W3UON_-[1RU!FZS:NY-KT<N5;
M"5M"=R;?@BW))-/BJIFI*J6*)F`>.-E]U[JN+._R>=L;GZ=H?CSN#M[<>4ZO
MR5#\5]S[\RM7!4UO8&X^Y/B!UGM/8'6>[$S>3K\@6VUFLGU]M[,9?'U$DLSG
M#_8P3QTU6YA]U[JR#HGIC(]9Y/N+?6[LOB,]V9WSV'0=A;_R&WL;4XG;M)-M
M_KS9/5FUL!M^BK*JLKAB\/M+8-&3+4RR5,U5/.S,5**ONO=59]S?#+I_=?\`
M,TZ?ZZRNZOD_!L/MCXT_+;O7?>S\!\V/F-M3;F5[1VWW%\:<5MW<5#B=K]ZX
M>DVW2X'&=EYFGH\7BUHL1!#5A%I=,403W7NC8_\`#4WQ"_X[?*S_`-.!?/7_
M`.Z3]^Z]U[_AJ;XA?\=OE9_Z<"^>O_W2?OW7NO?\-3?$+_CM\K/_`$X%\]?_
M`+I/W[KW7O\`AJ;XA?\`';Y6?^G`OGK_`/=)^_=>Z]_PU-\0O^.WRL_].!?/
M7_[I/W[KW7O^&IOB%_QV^5G_`*<"^>O_`-TG[]U[KW_#4WQ"_P".WRL_].!?
M/7_[I/W[KW7O^&IOB%_QV^5G_IP+YZ__`'2?OW7NO?\`#4WQ"_X[?*S_`-.!
M?/7_`.Z3]^Z]U[_AJ;XA?\=OE9_Z<"^>O_W2?OW7NO?\-3?$+_CM\K/_`$X%
M\]?_`+I/W[KW7O\`AJ;XA?\`';Y6?^G`OGK_`/=)^_=>Z]_PU-\0O^.WRL_]
M.!?/7_[I/W[KW7O^&IOB%_QV^5G_`*<"^>O_`-TG[]U[KW_#4WQ"_P".WRL_
M].!?/7_[I/W[KW7O^&IOB%_QV^5G_IP+YZ__`'2?OW7NO?\`#4WQ"_X[?*S_
M`-.!?/7_`.Z3]^Z]U[_AJ;XA?\=OE9_Z<"^>O_W2?OW7NO?\-3?$+_CM\K/_
M`$X%\]?_`+I/W[KW7O\`AJ;XA?\`';Y6?^G`OGK_`/=)^_=>Z]_PU-\0O^.W
MRL_].!?/7_[I/W[KW7O^&IOB%_QV^5G_`*<"^>O_`-TG[]U[KW_#4WQ"_P".
MWRL_].!?/7_[I/W[KW7O^&IOB%_QV^5G_IP+YZ__`'2?OW7NO?\`#4WQ"_X[
M?*S_`-.!?/7_`.Z3]^Z]U[_AJ;XA?\=OE9_Z<"^>O_W2?OW7NO?\-3?$+_CM
M\K/_`$X%\]?_`+I/W[KW7O\`AJ;XA?\`';Y6?^G`OGK_`/=)^_=>Z]_PU-\0
MO^.WRL_].!?/7_[I/W[KW7O^&IOB%_QV^5G_`*<"^>O_`-TG[]U[KW_#4WQ"
M_P".WRL_].!?/7_[I/W[KW7O^&IOB%_QV^5G_IP+YZ__`'2?OW7NO?\`#4WQ
M"_X[?*S_`-.!?/7_`.Z3]^Z]U[_AJ;XA?\=OE9_Z<"^>O_W2?OW7NO?\-3?$
M+_CM\K/_`$X%\]?_`+I/W[KW7O\`AJ;XA?\`';Y6?^G`OGK_`/=)^_=>Z]_P
MU-\0O^.WRL_].!?/7_[I/W[KW7O^&IOB%_QV^5G_`*<"^>O_`-TG[]U[KW_#
M4WQ"_P".WRL_].!?/7_[I/W[KW7O^&IOB%_QV^5G_IP+YZ__`'2?OW7NO?\`
M#4WQ"_X[?*S_`-.!?/7_`.Z3]^Z]U[_AJ;XA?\=OE9_Z<"^>O_W2?OW7NO?\
M-3?$+_CM\K/_`$X%\]?_`+I/W[KW7O\`AJ;XA?\`';Y6?^G`OGK_`/=)^_=>
MZ]_PU-\0O^.WRL_].!?/7_[I/W[KW7O^&IOB%_QV^5G_`*<"^>O_`-TG[]U[
MKW_#4WQ"_P".WRL_].!?/7_[I/W[KW7O^&IOB%_QV^5G_IP+YZ__`'2?OW7N
MO?\`#4WQ"_X[?*S_`-.!?/7_`.Z3]^Z]U[_AJ;XA?\=OE9_Z<"^>O_W2?OW7
MNO?\-3?$+_CM\K/_`$X%\]?_`+I/W[KW7O\`AJ;XA?\`';Y6?^G`OGK_`/=)
M^_=>Z]_PU-\0O^.WRL_].!?/7_[I/W[KW7O^&IOB%_QV^5G_`*<"^>O_`-TG
M[]U[KW_#4WQ"_P".WRL_].!?/7_[I/W[KW7O^&IOB%_QV^5G_IP+YZ__`'2?
MOW7NO?\`#4WQ"_X[?*S_`-.!?/7_`.Z3]^Z]U[_AJ;XA?\=OE9_Z<"^>O_W2
M?OW7NO?\-3?$+_CM\K/_`$X%\]?_`+I/W[KW7O\`AJ;XA?\`';Y6?^G`OGK_
M`/=)^_=>Z]_PU-\0O^.WRL_].!?/7_[I/W[KW7O^&IOB%_QV^5G_`*<"^>O_
M`-TG[]U[HIGRF^(W5?Q)W%\+NSNB-U_)7;&[\M\_?BQUOF)\_P#,CY;]DX'-
M[#[!W=6[>WIM3.[,[.[KWCLS.8;<.(J&BFCJ\?,5(5XRCJK#W7NKT??NO=>]
M^Z]U[W[KW5;/\U3_`+)IZ\_\7>_EW?\`P<O0/OW7NK)O?NO=?__6V\_@U_S,
MK^9+_P"-!<__`/`F?$;W[KW5@OOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[JM
M_L'_`+>S_%G_`,4-^9__`+_'X6^_=>ZL@]^Z]U[W[KW7O?NO=>]^Z]U[W[KW
M7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^
MZ]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7
MO?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z
M]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O
M?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]
MU[W[KW7O?NO=>]^Z]U[W[KW59G\SC_BP_![_`,:9_"?_`-^1-[]U[JS/W[KW
M7O?NO=>]^Z]U6S_-4_[)IZ\_\7>_EW?_``<O0/OW7NK)O?NO=?_7V\_@U_S,
MK^9+_P"-!<__`/`F?$;W[KW5@OOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[JM
M_L'_`+>S_%G_`,4-^9__`+_'X6^_=>ZL@]^Z]U[W[KW7O?NO=>]^Z]U[W[KW
M7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^
MZ]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7
MO?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z
M]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O
M?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]
MU[W[KW7O?NO=>]^Z]U[W[KW59G\SC_BP_![_`,:9_"?_`-^1-[]U[JS/W[KW
M7O?NO=>]^Z]U6S_-4_[)IZ\_\7>_EW?_``<O0/OW7NK)O?NO=?_0V\_@U_S,
MK^9+_P"-!<__`/`F?$;W[KW5@OOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[JM
M_L'_`+>S_%G_`,4-^9__`+_'X6^_=>ZL@]^Z]U4?\F-D[P^0O\Q;J[X\U'R%
M^272_6&'^%7:'<\N)^.O;64ZAK-P[^A[SZLV-0Y/=.4PE)/6YVFQ6W<G4Q4M
M-*W@A>IDDTER&7W7NES_`,-C8C_O.O\`F;_^EH[X_P#K;[]U[KW_``V-B/\`
MO.O^9O\`^EH[X_\`K;[]U[KW_#8V(_[SK_F;_P#I:.^/_K;[]U[KW_#8V(_[
MSK_F;_\`I:.^/_K;[]U[KW_#8V(_[SK_`)F__I:.^/\`ZV^_=>Z]_P`-C8C_
M`+SK_F;_`/I:.^/_`*V^_=>Z]_PV-B/^\Z_YF_\`Z6COC_ZV^_=>Z]_PV-B/
M^\Z_YF__`*6COC_ZV^_=>Z]_PV-B/^\Z_P"9O_Z6COC_`.MOOW7NO?\`#8V(
M_P"\Z_YF_P#Z6COC_P"MOOW7NO?\-C8C_O.O^9O_`.EH[X_^MOOW7NO?\-C8
MC_O.O^9O_P"EH[X_^MOOW7NO?\-C8C_O.O\`F;_^EH[X_P#K;[]U[KW_``V-
MB/\`O.O^9O\`^EH[X_\`K;[]U[KW_#8V(_[SK_F;_P#I:.^/_K;[]U[KW_#8
MV(_[SK_F;_\`I:.^/_K;[]U[KW_#8V(_[SK_`)F__I:.^/\`ZV^_=>Z]_P`-
MC8C_`+SK_F;_`/I:.^/_`*V^_=>Z]_PV-B/^\Z_YF_\`Z6COC_ZV^_=>Z]_P
MV-B/^\Z_YF__`*6COC_ZV^_=>Z]_PV-B/^\Z_P"9O_Z6COC_`.MOOW7NO?\`
M#8V(_P"\Z_YF_P#Z6COC_P"MOOW7N@@J^@MR?%#YE_`F+:?RO^:'9FW^Y^R.
M]^ONPMC][_(;<':NQ<Y@<-\7>V^R,+,VV\YCTIZ7,X;=VRJ&IIJR%HYHP)$)
M9)"H]U[JY;W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U
M[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?N
MO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[
MW[KW7O?NO=>]^Z]T'F\>W>I^NT>3L#L_KS8J1V,C[QWKMO;"1W`(UMF\G0A+
M@_GW[KW1>,__`#%?@'MB*:3-?-?XJ4S4[:9J2'OWJ[(9)6-_2,7C=SU>2=N/
MHL1Y]^Z]T%47\V[^7U759H=O]\U>]JH2>(1=;].=\=FZW)LOB?K[K#<L<JN?
MTLI*M^"??NO=.&4_F0=?J(GV9\9OG[V935%_MJ_:?PD[YPF.J1>RO#7]G[6Z
M\I3$_P"'9E3^I'OW7NM2K_A27_.D^;/4F]?AQM#JCXJ=L?%WK?:_9NS/E'M_
MLGY*[(VX,OW%V;TUN`U>(V#C\!MS=6Z\+@]E;0J:R"ISM)49"#<&2:MI;1T%
M$J2Y/W7NMS_X2]Y=E_)?XG]#=]=Q='[D^-_9G:77V(W7N_I;=LWFSFR,G6F9
M!3SB2.GKZ6CS%+%'D:2GKH*7)TM'5Q0UU/!5I-"GNO=&E]^Z]U[W[KW5;/\`
M-4_[)IZ\_P#%WOY=W_P<O0/OW7NK)O?NO=?_T=O/X-?\S*_F2_\`C07/_P#P
M)GQ&]^Z]U8+[]U[KWOW7NO>_=>Z!'Y&[H[4V5TQOW=?2^,VUENPL!@<AE\)1
M[JV[OO>F-F?&TD]<]/3[&ZRA??6]LOD/MQ24>,QLE/4U%34(5D.GQR>Z]U6Q
MV1_,]RW6FPNL>_<]C=M-T9OCXX[([`PN2V[L#L7=6VNUN^M_X_+8_$=*;/[Y
M7,X/;G5^;I=]"BH5QNZ-JME:Z(5$8%-7^.C/NO=6"]!]Q[C[$W%WSUQOG&8:
MCWW\?>SL1U]N'*;6@RE/M3<]'NGJ[K_MO;6>PM-F)ZVNQ\AP/84-)64CU-48
M:ND=A*4D15]U[JH/NS^9C\'-C_S6^EZ[=7?6,Q$'5_Q:^973F^3+LKLVH;!=
MD3]X?%EH]M,M%LFI^_E8;'RG[]+YJ7_)3^[ZX]?NO='4_P"'DOY:_P#WDWB_
M_1;]R_\`VNO?NO=`-T5\K_CY\L/YMN.SWQ]['I.Q,9LW^7%OS';EGIL!N[`'
M%56>^3O6<N(CDBW9M_`RU'WJ8.KL81($\)UZ=2:O=>ZNQ]^Z]U[W[KW7O?NO
M=>]^Z]U[W[KW19?D%W!WSU=6;3@Z9^(V^/DY39N#,R;BKMG]K](=;1[+FH'Q
MRXRGR$';V^-H5&8;.K53M&V/6H6#[5A,4+QZO=>ZI&_FW_S=OYBWP;^&6Z>]
M=A?RRMZ;!SE'NW9VWINT>T.R^E>Y.KNL\;FLS313YW?.SNBNT,MO66DSLBKA
M:&HEDQN+I\GD:<SUGE--15ONO='PZC^<_P`\NQNJNMNP,M_*)[YVOE]Z['VU
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M70XSONFSF1KJ2:M?$8G!9&69)`$M[KW7<7\RG=&*7>DFZ.E,+-)L+_3]B<Q0
M;4[&FKI*^?H?I+.]WQ=NT&0S.T,/14?QM[3QV)@PF%W15!%ASM?30/',)=2>
MZ]T][+_F'[KW1O+KC:LW3NW9'WC_`+*;6UM/M7LT;JS5;M?Y;X#=V=PV]MCX
MV':M!)N#:?4J;68[AJZ@4<=1015U=`8XZ-(JOW7NK2_?NO=>]^Z]U[W[KW7O
M?NO=>]^Z]U5#_,9[JZP^.W?G\M#M_N7=4.R>N=N_)#NO%9C<E1C,WF(J3(;G
M^&OR#P^"I3CMN8S,9>9J_(S+&&CIV1/J[*.??NO=*;_AY+^6O_WDWB__`$6_
M<O\`]KKW[KW7O^'DOY:__>3>+_\`1;]R_P#VNO?NO=>_X>2_EK_]Y-XO_P!%
MOW+_`/:Z]^Z]U[_AY+^6O_WDWB__`$6_<O\`]KKW[KW7O^'DOY:__>3>+_\`
M1;]R_P#VNO?NO=>_X>2_EK_]Y-XO_P!%OW+_`/:Z]^Z]U[_AY+^6O_WDWB__
M`$6_<O\`]KKW[KW7O^'DOY:__>3>+_\`1;]R_P#VNO?NO=>_X>2_EK_]Y-XO
M_P!%OW+_`/:Z]^Z]U[_AY+^6O_WDWB__`$6_<O\`]KKW[KW7O^'DOY:__>3>
M+_\`1;]R_P#VNO?NO=>_X>2_EK_]Y-XO_P!%OW+_`/:Z]^Z]U[_AY+^6O_WD
MWB__`$6_<O\`]KKW[KW7O^'DOY:__>3>+_\`1;]R_P#VNO?NO=>_X>2_EK_]
MY-XO_P!%OW+_`/:Z]^Z]U[_AY+^6O_WDWB__`$6_<O\`]KKW[KW7O^'DOY:_
M_>3>+_\`1;]R_P#VNO?NO=>_X>2_EK_]Y-XO_P!%OW+_`/:Z]^Z]U[_AY+^6
MO_WDWB__`$6_<O\`]KKW[KW7O^'DOY:__>3>+_\`1;]R_P#VNO?NO=>_X>2_
MEK_]Y-XO_P!%OW+_`/:Z]^Z]U[_AY+^6O_WDWB__`$6_<O\`]KKW[KW7O^'D
MOY:__>3>+_\`1;]R_P#VNO?NO=>_X>2_EK_]Y-XO_P!%OW+_`/:Z]^Z]T2/^
M8G_PHN^%GP^^*VZNYNF,]4_(GM2NRJ;$ZLV!1;/[&VQMJLW[D\979"DR&^=T
M[DVMM^DQFT-OT=$U56Q4LSY&LM'34Z(9FJ(/=>ZK&_E/?\*JD[?Z"RN.^='1
MG>6YNZMD;EDPS=L?&[I2?<_6._L;EONLIB5W)%0U^*PG6.\,-2$4]13RS?9U
MU/''5PLCO+3Q^Z]U9O/_`#_^O\S)?8_0\-/3/_F9NY>]-J=4U"W^GW>,PFT^
MSLG3BWUTQ2V^GU]^Z]U`S_\`.WW!6XZ.3;M9_+]V/7.IUQ;P^1WRY[$J(&OQ
MY:#K_P"`&*QS6!_W5E)0;?4>_=>Z1>,_F]]H9>>1,[\U_P"6AL"DD%EDP7QC
M^??:]=2AA8E&R6:Z@I*F2.]U9HT4GZI;CW[KW6.O_F!T^<J1+7_SRNO=K4[2
M*[T?6G\M#/XS0A_7##5=EY'MI[#Z*S(Q_J#[]U[ISJ?EI\2-T4BQ=A?SS?F/
MDZD`*S==]4]<=.T3I8ZT\>S?A&,LMR>'%=Y%']HGGW[KW4?$=S_RF(P\>]/Y
MGWST[0IIKK54.[ODQ\W<%CJV)B"T%3C^K,!US2/"UOHJ+;\6]^Z]U%ESW_"=
M"NK1D-Q;D3?-7_;E[,W%\Y.T1/<W(JHNQ*[<\-6"?Q*KCW[KW0K[?[Y_X3L;
M7@A@PNP?A_`8!:.KJOAUE<IDR./\YE\KTG6Y2>UO[<S>_=>Z,1L[^9G_`"?>
MNA&.ONRNIMBB)=$0V=T#V!M@1H!8)&,)U/0A%`XL./?NO="+_P`/)?RU_P#O
M)O%_^BW[E_\`M=>_=>Z]_P`/)?RU_P#O)O%_^BW[E_\`M=>_=>Z(C\XOG)\"
MOF+F_@-U-UYV-M#M_>B?S,?AWN;`;8S77&^(Q!-@-UYO(9++4%3O+9.,Q%)6
MT.!AK#K\R.T1>,:BX1O=>ZV)O?NO=>]^Z]U[W[KW5;/\U3_LFGKS_P`7>_EW
M?_!R]`^_=>ZLF]^Z]U__TMO/X-?\S*_F2_\`C07/_P#P)GQ&]^Z]U8+[]U[K
MWOW7NO>_=>Z0'8O7M'V1B,=B*S<^_MI?PO.T.?I\GUWO/-[(S$L]%#5TQQV0
MK\)40-D\'74U=(L]%4"6!VT2A5FBADC]U[H$ZWX6_'K)X[&[8RNSZO+]:X/`
M87!;>Z<RVX<WDNHMMR[?Q.9PF,W+M[8=96S8C#;PAQV?J2V3@"54E:R5[,<A
M''5+[KW0Q=8=4[1ZDQ&8Q6U8\I//N;<=;N_=FX-P96LSVYMV[IKZ'&8F?/[D
MS=>[U>4R0PN$H:)'8@1TE%#$H"Q@>_=>Z)5V"[C^;)\6D#-H/P/^9S%-1TEA
MWC\+@&*WL6`/U]^Z]U8][]U[JM?*,W_#P>QTU-H'\M?M-@ESI#'Y0=.@L%^F
MH@`7_P`/?NO=64>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NL-13T]7"]/500
MU,$EA)!41)-#(%8.H>*161K,H(N/J/?NO=9O?NO=1ZBDI:Q52KIJ>J1'\B)4
M0QSJD@5D#JLJL%?2Y%QS8G^OOW7NH[8G%.7+XS'N9*F&LD+4=,Q>LIYFJ*>K
M<F,ZJF"H8NDA]2N2P(//OW7NNFP^(>5YWQ>.:>1M<DS4-,TLCZS)K>0Q%V;6
MQ:Y-[F_OW7NO1XC$Q)2QQ8O'1QT)J#0QQT5,B49JUD2K-*JQ!:<U23.)-%M8
M<@WN??NO=<X\7C(8Y88<=0Q13Q/!/%'24Z1S0R:M<,J+&%DB?4;J00;GW[KW
M7*''8^F2:.GH**!*FH%74)#2P1)450\5JF9411+4#P)ZVNWH7G@>_=>ZQQ8C
M$PG5#C,=$WB>"\5%31GPR:A)#=8@?$X<W7Z&Y_K[]U[KI</B4"A,7CE"44&-
M4+14RA<=2N9*7'K:(6HJ9R6CB_S:$W`'OW7N@RVOTIM+:/;?9/<F*J\^^Y.T
M=O\`7.V\[B:S(4]1M;%T'5]+N:CVT^U\3]C'+@JF2GW;6+6&.=DJ=2:E'C6W
MNO="][]U[KWOW7NO>_=>Z][]U[KWOW7NJ]/E<2/F-_*VL2+]_P#R)!M^1_LD
M?R'-C_47`/\`KCW[KW5A?OW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO
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MLR]^Z]U[W[KW7O?NO=5L_P`U3_LFGKS_`,7>_EW?_!R]`^_=>ZLF]^Z]U__3
MV\_@U_S,K^9+_P"-!<__`/`F?$;W[KW5@OOW7NO>_=>Z][]U[KWOW7NO>_=>
MZ][]U[JM_L'_`+>S_%G_`,4-^9__`+_'X6^_=>ZL@]^Z]U6KD_\`M\+LC_QF
MKVE_\%#T][]U[JRKW[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=
M>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[
MKW7O?NO=>]^Z]U[W[KW5>?RO_P"RQ_Y6O_BP'R)_^`B^1'OW7NK#/?NO=>]^
MZ]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7
MO?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW1(?D1\[^K^
MDMZP=&;&VYO+Y,_++,8F',;=^*W0M/B-Q=E4V)KI*:GQN\.V,UELKAM@?'KJ
MZHJ:R/\`W\^^,K@\94J)(Z`U]8JTC^Z]T!=/\*NZOEW4P;J_F5[YPF9Z]DJ8
M,CA/Y?716<ST'Q9Q45/D&R&/IOD=OJNQ^V=^_-#.TO@I344.8H]O=<-+$0=J
M54J1U[>Z]U:!AL-A]N8?%;>V]BL;@<!@<;0X;!X/#4-+B\/AL/BZ6*AQF*Q6
M,H8H*+'8W'44"0P00HD4,2*B*%`'OW7NG+W[KW7O?NO=>]^Z]U[W[KW7O?NO
M=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW59G\SC_BP_![_Q
MIG\)_P#WY$WOW7NK,_?NO=>]^Z]U[W[KW5;/\U3_`+)IZ\_\7>_EW?\`P<O0
M/OW7NK)O?NO=?__4V\_@U_S,K^9+_P"-!<__`/`F?$;W[KW5@OOW7NO>_=>Z
M][]U[KWOW7NO>_=>Z][]U[JM_L'_`+>S_%G_`,4-^9__`+_'X6^_=>ZL@]^Z
M]U6KD_\`M\+LC_QFKVE_\%#T][]U[JRKW[KW7O?NO=>]^Z]U[W[KW7O?NO=%
MF^07R,SO1-9M.DPWQA^3/R%7=$&9FJ*SX^[7ZXW%1[2.(?'+%!NQ]^=I]<RT
MD^9%>QHQ2I6*XIIO(8[)K]U[K6O_`)Y7\]CYL_"KJ[X_;G^,'Q*[=Z1S?8/8
M^[MM;DK_`)<]/;(S6'W#0X7:M+F*+$[/INL>\]U5]/EHY)Y:B8U44*200-XG
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M=>Z+#TC_`#!\YU9U/WXF]):[MSLSI3MR;8N<R.=[?JMT4>Z/XYN_Y"[KP.W=
MG8O$;,;+4^7PFP>O5Q5)HQNO*Z*>NK'AHZ>IJU]U[HPU+_,ZH<CB=YY>EV/M
M.F@I.M=[;_V,DW8Z9<Y638GR<W#\9JS%YO\`NUM[+S5$V>S-#C\ECXL)%E:N
M<U_V,4,TRQRS>Z]T%?S'^2O96Y*/^7UN;J3M:+HRH^4/5/R(W14;;W)V/2[,
MV@,G#\2,OVQL*JW?O6':.ZJBD7JOL.+'322TU"L%=^Y35<<U/-]L_NO=*C9O
M\S?*T+=#;`W5L:;(;R[(V/\`&K&9',;YKZ+J_>&.[&[AR?3FW<G5]B]=4^.R
MF%V9DIH.V8\_#MF@RE7ETH:.4RPTM+/2U)]U[I,=<_S%<OG^W\#EZ>"%Z3O?
MHO8V>P6P-W=A8O&];[:[6V1D_ECALKU=L3?4M%'C\/V'W77=64\^.;<,>+QM
M3BL5//YA5TZT55[KW5HWQQ[<J>]>E=A]J9#;=?L[*[IQ]><UM3)TM;25NW<[
MALSDL!F\/**V*/[Q*'*XJ9(ZNG:>@KH@M11U%322PU$ONO=#=[]U[KWOW7NO
M>_=>Z][]U[KWOW7NO>_=>ZKS^5__`&6/_*U_\6`^1/\`\!%\B/?NO=6&>_=>
MZ][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWO
MW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z`[Y`_)3HKXL;#/97?
M_9>WNM=IRY2BV_B)LLU;7Y[=VZLIY!A]E=?[-P5)E=Y=C;]SSQ,F/P.!Q^1S
M&0D4I34TK"WOW7NB+&J^=GSL4KC$WK_+;^)^4C=&RF0H\%4?S"^Y,'544:DX
MS#5L>Y.O_A;MC*1U;Z9ZY-R]DF-/^`FT*]%D'NO='@^//QAZ&^*FRZK8?0?6
M^%V!A<MF*S<VZLA#/D\]O/L'=^2;5E=\]H=B;HK\WO\`[1W[EVM]WG-PY+)9
M:J"J):A@J@>Z]T/7OW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z
M][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[JLS^9Q_Q8?@]_XTS^$_\`
M[\B;W[KW5F?OW7NO>_=>Z][]U[JMG^:I_P!DT]>?^+O?R[O_`(.7H'W[KW5D
MWOW7NO_5V\_@U_S,K^9+_P"-!<__`/`F?$;W[KW5@OOW7NO>_=>Z][]U[KWO
MW7NO>_=>Z][]U[JM_L'_`+>S_%G_`,4-^9__`+_'X6^_=>ZL@]^Z]U6KD_\`
MM\+LC_QFKVE_\%#T][]U[JRKW[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[
MKW7O?NO=1ZBDI:M52KIJ>J1&+HM1#',J.T;Q,RK(K!6,4K*2.=+$?0GW[KW6
M`8O&`,!CJ`!X7IW`HZ>SP2J4EA;]OU0R(Q#*>"#8CW[KW65*&BC.J.CI4(2*
M,%*>)2(X`!!'=4!T0A0$'T6W'OW7NN$>-QT.KPT%%%J`5O'2P)J4:+*VF,7`
M\:\?[2/Z>_=>ZZFQF-J55:C'T-0J>,HLU)3RJGBJ$JHM(DC8+XZJ-9%M])%#
M#D`^_=>ZYST%#57^ZHJ2IN03YZ:&:Y"-&"?(C7(C<K_P4D?0^_=>ZX?PS&AB
MPQ]"&;1J;[2#4?&4,=SX[G08U(_H5']/?NO=2888::*.GIXHH((46.&&&-(H
MHHT&E(XXT"HB*!8```#W[KW67W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U7G
M\K_^RQ_Y6O\`XL!\B?\`X"+Y$>_=>ZL,]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7
MO?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z
M]U[W[KW4+)9+'8;'5^7R]?18K$XJBJLEE,IDJJ"AQV-QU#!)55M?7UM5)%34
M=%1TT322RR,J1HI9B`"??NO=5?UGSC[8^5E=5;/_`)9NPMM]C[32MDQ6X?GK
MW%#FJ+X<;5:FR4]!E).E<9A:O#;X^:VY:'["H6(;2J\3L+S@+4[PAG1J.3W7
MNAE^/GP,ZYZAWW%W[VEN_>ORI^7%3B)\3D/DYWM+B<MNO;6.R4$J9K:71.R,
M+C\7UO\`&[K6ODJIE?";.QF-:OA93EZK*U:M62>Z]T>CW[KW7O?NO=>]^Z]U
M[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?N
MO=>]^Z]U[W[KW7O?NO=5F?S./^+#\'O_`!IG\)__`'Y$WOW7NK,_?NO=>]^Z
M]U[W[KW5;/\`-4_[)IZ\_P#%WOY=W_P<O0/OW7NK)O?NO=?_UMO/X-?\S*_F
M2_\`C07/_P#P)GQ&]^Z]U8+[]U[KWOW7NO>_=>Z+/\N::+*]&;NVQ%V\O2VX
M=WTM3M[96Z!VW#T949'>DV+R60V_MZF[0CPNX<]M=:NJQQJ*F;#T55E?L:2?
MPQ2+Y$;W7NJ*NR?F1\V*'HM^RMAMV;#W=C'^$6!V#U)NC'QY;/9_I;L?I:GK
M_D_W#NC`[<H<5MG=.5V[D/[T;ICW$N-BBQHVE1(*:DBJJO&S^Z]U=%\1MW[G
MW%F/DQ@9-TY+L'JC8'>5'M?I'L/-9IMR9+<6UJKISJK=>[\=_>613-NG&[3[
M/W'FL=39%I:G6L+4WF?[4A?=>ZKE[F^2G=^$_FN=%3XGX$?)C=TNVOB3\S]I
M82GPN]OB922;^VY_IR^+%^S-K'/_`"/P\5%M!/[OTEZ;,OB<^?XO3:,:X6<Q
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M62V#B-WYFGRGPR^0E'79+'Y#M#>77^R(:3`4SFIJ5JLO32O$I$"RR6C/NO="
M+_LY7R2_[U=_,;_T87P@_P#NLO?NO=>_V<KY)?\`>KOYC?\`HPOA!_\`=9>_
M=>Z]_LY7R2_[U=_,;_T87P@_^ZR]^Z]U[_9RODE_WJ[^8W_HPOA!_P#=9>_=
M>Z]_LY7R2_[U=_,;_P!&%\(/_NLO?NO=>_V<KY)?]ZN_F-_Z,+X0?_=9>_=>
MZ]_LY7R2_P"]7?S&_P#1A?"#_P"ZR]^Z]U[_`&<KY)?]ZN_F-_Z,+X0?_=9>
M_=>Z]_LY7R2_[U=_,;_T87P@_P#NLO?NO=>_V<KY)?\`>KOYC?\`HPOA!_\`
M=9>_=>Z]_LY7R2_[U=_,;_T87P@_^ZR]^Z]U[_9RODE_WJ[^8W_HPOA!_P#=
M9>_=>Z]_LY7R2_[U=_,;_P!&%\(/_NLO?NO=>_V<KY)?]ZN_F-_Z,+X0?_=9
M>_=>Z]_LY7R2_P"]7?S&_P#1A?"#_P"ZR]^Z]U[_`&<KY)?]ZN_F-_Z,'X0?
M_=9>_=>Z+ENG^;EN[$]MS?&O:7\N3Y?=E?*";:U9N:#IG8^]/A]N--DTCXEL
MEMG*_(?L/;GR7SNQ_C9M3>$NF#&U>Z:JFR&18DT&/K=)!]U[HKU9M;Y@_)C*
MXS>/\QWX#?*KNW#TN0.7PGP>ZMWY\-\;\'MBS4N0H:_;Y[&7/?*;#;Y^:6]L
M9_#XVJZK?%'2;&AK;R8K:U-(BUTONO=62T7R]^0V-HZ3'8[^5A\O:#'T%-!1
M4-#1;Z^#=+1T5'2Q)!2TE)2P?+"."FIJ:"-4CC151$4```>_=>ZD_P"SE?)+
M_O5W\QO_`$87P@_^ZR]^Z]U[_9RODE_WJ[^8W_HPOA!_]UE[]U[KW^SE?)+_
M`+U=_,;_`-&%\(/_`+K+W[KW7O\`9RODE_WJ[^8W_HPOA!_]UE[]U[KW^SE?
M)+_O5W\QO_1A?"#_`.ZR]^Z]U[_9RODE_P!ZN_F-_P"C"^$'_P!UE[]U[KW^
MSE?)+_O5W\QO_1A?"#_[K+W[KW7O]G*^27_>KOYC?^C"^$'_`-UE[]U[KW^S
ME?)+_O5W\QO_`$87P@_^ZR]^Z]U[_9RODE_WJ[^8W_HPOA!_]UE[]U[KW^SE
M?)+_`+U=_,;_`-&%\(/_`+K+W[KW7O\`9RODE_WJ[^8W_HPOA!_]UE[]U[KW
M^SE?)+_O5W\QO_1A?"#_`.ZR]^Z]U[_9RODE_P!ZN_F-_P"C"^$'_P!UE[]U
M[KW^SE?)+_O5W\QO_1A?"#_[K+W[KW7O]G*^27_>KOYC?^C"^$'_`-UE[]U[
MKW^SE?)+_O5W\QO_`$87P@_^ZR]^Z]U[_9RODE_WJ[^8W_HPOA!_]UE[]U[H
ME/S0^0O<'9V1^#6V]\?"7Y$]"X63^93\-*A]_=D[L^,.9VI22TF]<M704-31
M=6_('L+>S5F5JJ2.EIS!B)J599P:B:G0`M[KW5\7OW7NO>_=>Z][]U[JMG^:
MI_V33UY_XN]_+N_^#EZ!]^Z]U9-[]U[K_]?;S^#7_,ROYDO_`(T%S_\`\"9\
M1O?NO=6"^_=>Z][]U[KWOW7NFG-8#!;DI$Q^XL+B,]01U5-71T6:QM'E*1*V
MCD$M)5I35T,\*U5+*-4<@76C<J0??NO=9GQ&*ER5/F),9CY,O24<^/I<J]%3
M/DJ:@JI(I:JAIZYHS50T=3+`C21*P1V1202![]U[KEC<7C<-0T^,P^.H<3C:
M162EQ^-I*>AH:97D>5UIZ2ECB@A5Y9&8A5`+,3]3[]U[JNWL'_M[/\6?_%#?
MF?\`^_Q^%OOW7NK(/?NO=5JY/_M\+LC_`,9J]I?_``4/3WOW7NK*O?NO=>]^
MZ]U[W[KW7O?NO=>]^Z]T6KO[N#O'JZLVK!T_\2>P?DS39N#,2;@KMD=G]%=>
M1;,EH'QZXVFR4/<?8>QJG+/G5JIFB;')4I"*5O,8R\>KW7NJ'OYPO\[WY4?R
M^OBS_>2'X,[[Z4[V[7W5B=E]`Y;LOL+X^=O;-J\OB:NDW+V!5YW:/3O;.Y]V
M3T>,V%154<3B&*`5U93F25`+/[KW1]?CE_,X[Y^5_1?5WR,Z*_EK=[;UZH[<
MVCCMV;2W$GR`^'V%-5#.)*/*T<F+W#W9B,W238;/4=51.*FEIYF:GU-%&28U
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M;_-IIJ6#?\D'6VT,@G7F&W+OZOKJ+M`MC]Q]?;>W?\?<#KVD:K:E)59C(5N.
M[UE,.32,X&JK=O5"4E34T\PJ8/=>Z9=K?S!=Y]<UWR,V?48+(=I5O5'R-[+A
MCI=R;D3_`$C5_3&1[VWE@LCOSK#;5%2S5?:_7'2\="=M-C,0]5NM<A2O3_82
M""E?)>Z]U==%*DT4<T9)CEC26,E60E)%#*2CA74E3]"`1^??NO=9/?NO=>]^
MZ]U[W[KW7O?NO=>]^Z]U7G\K_P#LL?\`E:_^+`?(G_X"+Y$>_=>ZL,]^Z]U[
MW[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO
M=>]^Z]U[W[KW1?\`Y$_*3H;XI;1Q^\N]NP\9LRDW!F*;;&R-NPTF5W/V'V=O
M&N9$QVQ>I>L-IT&<[#[5WWD6D!@PVWL9D<B\8:3P^-'=?=>Z),N&^=/SK5)=
MUU.^/Y;OQ1R212Q;/VQG,#/_`#!.Y,)4T]1)&-V[YP<^X]B_#/;64AJ(3)CM
MNU&XNQ?&I_W,[4KEDIE]U[H]_0?QSZ/^+O7U+U;T!UKMKK'9-/7U>9J\;@*>
M>2OW#N3)+",QO'>FY,G45^Y]^;ZW`].DF3SN:K*_,9*9?)55,TEV]^Z]T-7O
MW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z
M][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>ZK,_F<?\6'
MX/?^-,_A/_[\B;W[KW5F?OW7NO>_=>Z][]U[JMG^:I_V33UY_P"+O?R[O_@Y
M>@??NO=63>_=>Z__T-O/X-?\S*_F2_\`C07/_P#P)GQ&]^Z]U8+[]U[KWOW7
MNO>_=>Z][]U[KWOW7NO>_=>ZK?[!_P"WL_Q9_P#%#?F?_P"_Q^%OOW7NK(/?
MNO=5JY/_`+?"[(_\9J]I?_!0]/>_=>ZLJ]^Z]U[W[KW7O?NO=>]^Z]U[W[KW
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M_=>ZF^_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NJ\_E>/^<QOY6Q_`^0'R)_^
M`B^1'OW7NK#/?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[K
MW7O?NO=>]^Z]U[W[KW0&3?)SX[4W9?9?3=7W=U?0]I=-==T7;?;.QJ_>F!H-
MP=<=8Y"*:HI]^;THZRM@.W=K)20B>:LJC'#34\L,LQ2.>%I/=>Z([+\R^]OF
M+++MO^6ULG$)UA42ST.7_F%=_P"V,_%\=J>FCJH*.KK/B_U7#D-J[^^8&8A4
MU!I<Q!5[9ZU:2%9(-QY8I)0-[KW0_P#QU^"G5'1.\*_NO=&:WA\C/E9N/%2X
MC=_RM[ZJ\3NGMRJQ-755-?6[0Z^@QF)PNQ^A^K&JZMBFTMBXG;V`;1')4T]3
M5*U2_NO='6]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=
M>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[
MKW7O?NO=>]^Z]U69_,X_XL/P>_\`&F?PG_\`?D3>_=>ZLS]^Z]U[W[KW7O?N
MO=5L_P`U3_LFGKS_`,7>_EW?_!R]`^_=>ZLF]^Z]U__1V\_@U_S,K^9+_P"-
M!<__`/`F?$;W[KW5@OOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[JM_L'_`+>S
M_%G_`,4-^9__`+_'X6^_=>ZL@]^Z]T5CNSX<],=];_VQVKNV;M7:_96T=FY[
MKO%;WZ?[R[AZ3W!/L/<N;PFY<OM'-U?56]MI+N'!S[AVY15L<5:LY@J(-413
M7(&]U[H-_P#AO+I[_G[?S7_]+R^7_P#]N7W[KW7O^&\NGO\`G[?S7_\`2\OE
M_P#_`&Y??NO=>_X;RZ>_Y^W\U_\`TO+Y?_\`VY??NO=>_P"&\NGO^?M_-?\`
M]+R^7_\`]N7W[KW7O^&\NGO^?M_-?_TO+Y?_`/VY??NO=>_X;RZ>_P"?M_-?
M_P!+R^7_`/\`;E]^Z]U[_AO+I[_G[?S7_P#2\OE__P#;E]^Z]U[_`(;RZ>_Y
M^W\U_P#TO+Y?_P#VY??NO=>_X;RZ>_Y^W\U__2\OE_\`_;E]^Z]U[_AO+I[_
M`)^W\U__`$O+Y?\`_P!N7W[KW7O^&\NGO^?M_-?_`-+R^7__`-N7W[KW7O\`
MAO+I[_G[?S7_`/2\OE__`/;E]^Z]U[_AO+I[_G[?S7_]+R^7_P#]N7W[KW7O
M^&\NGO\`G[?S7_\`2\OE_P#_`&Y??NO=>_X;RZ>_Y^W\U_\`TO+Y?_\`VY??
MNO=>_P"&\NGO^?M_-?\`]+R^7_\`]N7W[KW7O^&\NGO^?M_-?_TO+Y?_`/VY
M??NO=>_X;RZ>_P"?M_-?_P!+R^7_`/\`;E]^Z]U[_AO+I[_G[?S7_P#2\OE_
M_P#;E]^Z]U[_`(;RZ>_Y^W\U_P#TO+Y?_P#VY??NO=>_X;RZ>_Y^W\U__2\O
ME_\`_;E]^Z]U[_AO+I[_`)^W\U__`$O+Y?\`_P!N7W[KW3_L3X&=%;$[/V#W
M`,U\@-][WZLFW16]=3]O?*'Y#=O8+:&5WEM?(;*W'G,1M+L7LG<6UESF0VCE
MJO'BKDHY)H::JE$3(7)]^Z]T=#W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[
MW[KW7O?NO=>]^Z]U[W[KW7O?NO=%=^5WRJZL^*^P:3,;\R&[LCO/?U=5;*Z8
MZGZFP=#O7OKNCL>JQ\\^.V5TIU]77I-S[L2-?N99\AX-OX:DC>OS5718N"IJ
MHO=>ZT9OAA_PF>_F*Y/^:O3=]_,G?!H.F,?N/`_(_?\`V;N+>VT^^-Z]WUNX
M-S#="_'??U-FL(^V-W[S2IQ\=#ONIK<14[4,<<C8PU\,U&??NO=?0XCCCAC2
M*)$BBB18XXXU5(XXT4*B(B@*B(H```L![]U[KG[]U[KWOW7NO>_=>Z][]U[K
MWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=
M>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NJS/YG'_%A^#W_
M`(TS^$__`+\B;W[KW5F?OW7NO>_=>Z][]U[JMG^:I_V33UY_XN]_+N_^#EZ!
M]^Z]U9-[]U[K_]+;S^#7_,ROYDO_`(T%S_\`\"9\1O?NO=6"^_=>Z][]U[KW
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MT_O';'QSZ,V-)\B_FGV=A)MP[`Z!P>97#XS9NQXZQ\55]\?)'?4=%EJ3HSX^
M8/*HU.<S6TT^2W#D8FQ6W<?E\H&I$]U[J/\`%OX82]5[TW#\E?D1OQ/D;\V>
MQL-_`MX]VY#"_P`#VIUGL5ZI,C3=!?%WKZ:LRE-TKT/A*V..2:GBJ*K<&[*^
M%,GN7)96O2!Z;W7NCW^_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]
MU[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO
M>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>ZK,_F<?\6'X/?^-,_A/_[\
MB;W[KW5F?OW7NO>_=>Z][]U[JMG^:I_V33UY_P"+O?R[O_@Y>@??NO=63>_=
M>Z__T]O/X-?\S*_F2_\`C07/_P#P)GQ&]^Z]U8+[]U[KWOW7NO>_=>Z*S\OZ
MNBH^IX7J.B]R]^5T^Z,=C\!@-M]=;:[6&R\YDL9FJ"D[0S^P]T;DVS1[AV]L
MJ&HEEGIX)9JV:26..&,,YEB]U[JJ/LSXA]N9WX]]5=2?#C;_`,A.EL]B?BYU
M/TIF,5WG!UK1['K^@L3B]Z/N+:N2R>*J]W;JVA\B9:&KGPL$.*RM#B\:V<A@
MECDP\50L/NO=6?\`Q0V)NC;N<^3&_<KMO*=>[0[G[PH-]=;]8Y>EQU!7[3V]
MB>F^J>O<UE*_%8R:>EP>1WQO;9>3RLE$KOH2=)F8R3N![KW57'>'0OS>S'\U
MGI.#:7\P"EV959[XO?,?=6R:EOB3U5N7^X?6D?>'Q9$_5C+D=ST_]Z))SE\7
M_N<J?'6#^$?YO_*I=/NO='9/Q@_F/W-OYI%&!?@?[(YTJ;?X?\?A[]U[KK_9
M8/YC_P#WM)H__2&^E?\`[,/?NO=>_P!E@_F/_P#>TFC_`/2&^E?_`+,/?NO=
M>_V6#^8__P![2:/_`-(;Z5_^S#W[KW7O]E@_F/\`_>TFC_\`2&^E?_LP]^Z]
MU[_98/YC_P#WM)H__2&^E?\`[,/?NO=>_P!E@_F/_P#>TFC_`/2&^E?_`+,/
M?NO=>_V6#^8__P![2:/_`-(;Z5_^S#W[KW7O]E@_F/\`_>TFC_\`2&^E?_LP
M]^Z]U[_98/YC_P#WM)H__2&^E?\`[,/?NO=>_P!E@_F/_P#>TFC_`/2&^E?_
M`+,/?NO=>_V6#^8__P![2:/_`-(;Z5_^S#W[KW7O]E@_F/\`_>TFC_\`2&^E
M?_LP]^Z]U[_98/YC_P#WM)H__2&^E?\`[,/?NO=>_P!E@_F/_P#>TFC_`/2&
M^E?_`+,/?NO=>_V6#^8__P![2:/_`-(;Z5_^S#W[KW7O]E@_F/\`_>TFC_\`
M2&^E?_LP]^Z]U[_98/YC_P#WM)H__2&^E?\`[,/?NO=>_P!E@_F/_P#>TFC_
M`/2&^E?_`+,/?NO=>_V6#^8__P![2:/_`-(;Z5_^S#W[KW7O]E@_F/\`_>TF
MC_\`2&^E?_LP]^Z]U[_98/YC_P#WM)H__2&^E?\`[,/?NO=>_P!E@_F/_P#>
MTFC_`/2&^E?_`+,/?NO=>_V6#^8__P![2:/_`-(;Z5_^S#W[KW7O]E@_F/\`
M_>TFC_\`2&^E?_LP]^Z]U[_98/YC_P#WM)H__2&^E?\`[,/?NO=>_P!E@_F/
M_P#>TFC_`/2&^E?_`+,/?NO=>_V6#^8__P![2:/_`-(;Z5_^S#W[KW7O]E@_
MF/\`_>TFC_\`2&^E?_LP]^Z]U[_98/YC_P#WM)H__2&^E?\`[,/?NO=>_P!E
M@_F/_P#>TFC_`/2&^E?_`+,/?NO=>_V6#^8__P![2:/_`-(;Z5_^S#W[KW7O
M]E@_F/\`_>TFC_\`2&^E?_LP]^Z]U[_98/YC_P#WM)H__2&^E?\`[,/?NO=$
M7RF\/YD6^^_<I\8OBI_,.Q/=F\]B9ZGPOR5[GR7PNZ>H?C[\5*1Z,U.5VQN+
M/XG>:UW9WR?J:&LIIL-L'#RZ<6'6LW14XRCDHXLA[KW0\]+_`,L[Y:_'H;TG
MZJ_F._:;D[.W+4;S[8[-WC\..G][]P=P;OGEJC3[B[2[%R>ZX,CN:IP&-J5Q
M>%HXH:+$X'"4U/C\=1TM-"J'W7NAO_V6#^8__P![2:/_`-(;Z5_^S#W[KW7O
M]E@_F/\`_>TFC_\`2&^E?_LP]^Z]U[_98/YC_P#WM)H__2&^E?\`[,/?NO=>
M_P!E@_F/_P#>TFC_`/2&^E?_`+,/?NO=>_V6#^8__P![2:/_`-(;Z5_^S#W[
MKW7O]E@_F/\`_>TFC_\`2&^E?_LP]^Z]U[_98/YC_P#WM)H__2&^E?\`[,/?
MNO=>_P!E@_F/_P#>TFC_`/2&^E?_`+,/?NO=>_V6#^8__P![2:/_`-(;Z5_^
MS#W[KW7O]E@_F/\`_>TFC_\`2&^E?_LP]^Z]U[_98/YC_P#WM)H__2&^E?\`
M[,/?NO=>_P!E@_F/_P#>TFC_`/2&^E?_`+,/?NO=>_V6#^8__P![2:/_`-(;
MZ5_^S#W[KW7O]E@_F/\`_>TFC_\`2&^E?_LP]^Z]U[_98/YC_P#WM)H__2&^
ME?\`[,/?NO=>_P!E@_F/_P#>TFC_`/2&^E?_`+,/?NO=>_V6#^8__P![2:/_
M`-(;Z5_^S#W[KW7O]E@_F/\`_>TFC_\`2&^E?_LP]^Z]U[_98/YC_P#WM)H_
M_2&^E?\`[,/?NO=>_P!E@_F/_P#>TFC_`/2&^E?_`+,/?NO=>_V6#^8__P![
M2:/_`-(;Z5_^S#W[KW7O]E@_F/\`_>TFC_\`2&^E?_LP]^Z]U[_98/YC_P#W
MM)H__2&^E?\`[,/?NO=>_P!E@_F/_P#>TFC_`/2&^E?_`+,/?NO=>_V6#^8_
M_P![2:/_`-(;Z5_^S#W[KW7O]E@_F/\`_>TFC_\`2&^E?_LP]^Z]T3#YA]*?
M,/86?^"NX.[/G!3=][&B_F1_#VGJ^O8_C#UKU:]=75>],E2XNN&[ML[BR.5H
MAB,G/#5E$B85'V_A8A)&(]U[K8!]^Z]U[W[KW7O?NO=5L_S5/^R:>O/_`!=[
M^7=_\'+T#[]U[JR;W[KW7__4V\_@U_S,K^9+_P"-!<__`/`F?$;W[KW5@OOW
M7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[JM_L'_`+>S_%G_`,4-^9__`+_'X6^_
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MXL/P>_\`&F?PG_\`?D3>_=>ZLS]^Z]U[W[KW7O?NO=5L_P`U3_LFGKS_`,7>
M_EW?_!R]`^_=>ZLF]^Z]U__5V\_@U_S,K^9+_P"-!<__`/`F?$;W[KW5@OOW
M7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[JM_L'_`+>S_%G_`,4-^9__`+_'X6^_
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MEB2*&&)%CCC4*H``'OW7NIWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7
MNO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][
M]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7N
MJS/YG'_%A^#W_C3/X3_^_(F]^Z]U9G[]U[KWOW7NO>_=>ZK9_FJ?]DT]>?\`
MB[W\N[_X.7H'W[KW5DWOW7NO_];;S^#7_,ROYDO_`(T%S_\`\"9\1O?NO=*/
MYG?.GK3X0UO0E=W#5[*VAUIV]V#N?9N[NW^S.T=L=5[$ZKQ^WNMMU;VI,C4U
MNY(II=Z;GW-FL'28O&[?QX6OJXZBIJXV9:%H9O=>Z,CTAVA2=V]-=4=R8_`9
M[:M!VOUSLOL:AVUNFAGQNX\#1[TV[CMQ4N*SF/JH:>JHLI0P9%8YHI8HI4=2
M'1&!4>Z]T*/OW7NO>_=>Z][]U[KWOW7NJW^P?^WL_P`6?_%#?F?_`._Q^%OO
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MX-\?&[X6;<ST>[^C_B=G423^`[_WMEX88,-\@?EWAJ"H96W;)`VW]F5,L]-M
M*%3]QG\O[KW5G_OW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][
M]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7N
MO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]
MU[JLS^9Q_P`6'X/?^-,_A/\`^_(F]^Z]U9G[]U[KWOW7NO>_=>ZK9_FJ?]DT
M]>?^+O?R[O\`X.7H'W[KW5DWOW7NO__7V\_@U_S,K^9+_P"-!<__`/`F?$;W
M[KW22_F6;9[PW=M#J_"])X7YK;BKY,]NRJSN)^&>?^%NU,FT5-MAC@\EV%N'
MYL1U&QZ?'XC-O'/AX,7$V0DRRI*[+%3G5[KW1SOCM#OJFZ"Z4I>SYJBH[(I.
MJ=@4>_IZW<^-WKD)]XTFUL73;DFRF\,-1X_#;GRTN7BF:KKZ."*DJJDO)"HC
M9??NO=#)[]U[H-.UNQJKK+:ZY[&]=]A=K9JLR=+A\'L/K''8*MW3G,C515-3
MHCJ]V[BV?LS`T--1T4TLU=F,OC:"(($:?RR11O[KW1,1_-*^**[#VOVO59S=
M.-ZLW%MSJK*UV^,MMN;&T6T-S=X;5K-W]3]:;LQ-34)GZ#?^\<?1K314T-+/
M309.MH:.:=)JVG5_=>Z.!U3V_@NUEWQ0T>+S.V=U]9;Q?878>R]R)CUSNU=R
MMMS;V\:"GJ9<17Y7#Y&AS&TMV8W(4E91U512SP50"R:TD1/=>Z)SV"#_`,.S
M?%DV-A\#OF>+VXO_`*<?A;Q?Z7]^Z]U8_P"_=>Z][]U[KWOW7NO>_=>Z][]U
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M'^DB7D^_=>ZLR]^Z]U[W[KW7O?NO=5L_S5/^R:>O/_%WOY=W_P`'+T#[]U[J
MR;W[KW7_T-O/X-?\S*_F2_\`C07/_P#P)GQ&]^Z]U7%_-S^"7778.:K>_P#J
M+XJ=1]^=X[]J<KB>X-P]EX/Y:]SQC%]6]7:]O;*VUUK\<>W]@KMS=V1VYBIF
MH_N7HJ++5])!BB3E<U02>_=>ZN8^(./GQ/Q0^,V*J<'G=LSXOH+J'&R;=W/L
MNNZWW#@C0;!P%*N(S'7>6RV>S.P<ACEB$4F$KJVKK\4R?:U4TE1%(Y]U[HQ7
MOW7N@.^0NP^S.R^NYMF]8;RVALNMS&5H8-VU.]-J[CW7C-P[":.ICW-LZ"/:
MF^>OLY@:O<T,D=.V3@KFEI:8RB.(R.DL7NO=$$[+_E8X/NW:6X=B]F[_`,-C
M]J=DYKH/L[L[;_5.QIMB[<'='QGV=AMG]29/K3!Y#=6Z9-F=9XJ/9NVJNIP%
M35Y.2>;;L4*U4=-5U$(]U[H^'2'2\_6&2[=WKN/-4&Y.R>]>P:+L/L+,XC$O
M@\&E9@]@[,ZQVS@MO8N>MR5=387![0V)1(IJJJIJ9:F2>1Y"'5$]U[JIGN?X
M-=([K_FO=$4N3W#\E*9-\?$CYG]BYUL%\QOEAMN6+<'^G+XL?Y'MR;!=S8^;
M96SC_?*KU;>PK8_`2:*<O1L::`Q^Z]T=P_RR_C6>?[T_+S_8?/GYN_\`V_\`
MW[KW7O\`ALOXU_\`/4_+S_TOKYO?_;_]^Z]U[_ALOXU_\]3\O/\`TOKYO?\`
MV_\`W[KW7O\`ALOXU_\`/4_+S_TOKYO?_;_]^Z]U[_ALOXU_\]3\O/\`TOKY
MO?\`V_\`W[KW7O\`ALOXU_\`/4_+S_TOKYO?_;_]^Z]U[_ALOXU_\]3\O/\`
MTOKYO?\`V_\`W[KW7O\`ALOXU_\`/4_+S_TOKYO?_;_]^Z]U[_ALOXU_\]3\
MO/\`TOKYO?\`V_\`W[KW7O\`ALOXU_\`/4_+S_TOKYO?_;_]^Z]U[_ALOXU_
M\]3\O/\`TOKYO?\`V_\`W[KW7O\`ALOXU_\`/4_+S_TOKYO?_;_]^Z]U[_AL
MOXU_\]3\O/\`TOKYO?\`V_\`W[KW7O\`ALOXU_\`/4_+S_TOKYO?_;_]^Z]U
M[_ALOXU_\]3\O/\`TOKYO?\`V_\`W[KW7O\`ALOXU_\`/4_+S_TOKYO?_;_]
M^Z]U[_ALOXU_\]3\O/\`TOKYO?\`V_\`W[KW7O\`ALOXU_\`/4_+S_TOKYO?
M_;_]^Z]U[_ALOXU_\]3\O/\`TOKYO?\`V_\`W[KW7O\`ALOXU_\`/4_+S_TO
MKYO?_;_]^Z]U[_ALOXU_\]3\O/\`TOKYO?\`V_\`W[KW7O\`ALOXU_\`/4_+
MS_TOKYO?_;_]^Z]U[_ALOXU_\]3\O/\`TOKYO?\`V_\`W[KW7O\`ALOXU_\`
M/4_+S_TOKYO?_;_]^Z]U[_ALOXU_\]3\O/\`TOKYO?\`V_\`W[KW7O\`ALOX
MU_\`/4_+S_TOKYO?_;_]^Z]U[_ALOXU_\]3\O/\`TOKYO?\`V_\`W[KW7O\`
MALOXU_\`/4_+S_TOKYO?_;_]^Z]U7#W3T5UKOSM7-_$KX"Y3Y);[[\V]418[
MO3Y`[U^<OSBW+\;OA'0UM)%5I5]A4M'\BZ./N7Y&U-!4QU.W.J:"IC>57CK=
MSUF$Q$E-+D/=>Z.5U)_)R^)_5&,SE4F\_E[O#M/L.GVA-WKWSN#YM?*O&=N_
M(7<FQ\*F`VWNGM_/[+[;VM09^JP.-#0XNAAI*7$8:%VCH*2G5F#>Z]T*G_#9
M?QK_`.>I^7G_`*7U\WO_`+?_`+]U[KW_``V7\:_^>I^7G_I?7S>_^W_[]U[K
MW_#9?QK_`.>I^7G_`*7U\WO_`+?_`+]U[KW_``V7\:_^>I^7G_I?7S>_^W_[
M]U[KW_#9?QK_`.>I^7G_`*7U\WO_`+?_`+]U[KW_``V7\:_^>I^7G_I?7S>_
M^W_[]U[KW_#9?QK_`.>I^7G_`*7U\WO_`+?_`+]U[KW_``V7\:_^>I^7G_I?
M7S>_^W_[]U[KW_#9?QK_`.>I^7G_`*7U\WO_`+?_`+]U[KW_``V7\:_^>I^7
MG_I?7S>_^W_[]U[KW_#9?QK_`.>I^7G_`*7U\WO_`+?_`+]U[KW_``V7\:_^
M>I^7G_I?7S>_^W_[]U[KW_#9?QK_`.>I^7G_`*7U\WO_`+?_`+]U[KW_``V7
M\:_^>I^7G_I?7S>_^W_[]U[KW_#9?QK_`.>I^7G_`*7U\WO_`+?_`+]U[KW_
M``V7\:_^>I^7G_I?7S>_^W_[]U[KW_#9?QK_`.>I^7G_`*7U\WO_`+?_`+]U
M[KW_``V7\:_^>I^7G_I?7S>_^W_[]U[KW_#9?QK_`.>I^7G_`*7U\WO_`+?_
M`+]U[KW_``V7\:_^>I^7G_I?7S>_^W_[]U[KW_#9?QK_`.>I^7G_`*7U\WO_
M`+?_`+]U[KW_``V7\:_^>I^7G_I?7S>_^W_[]U[KW_#9?QK_`.>I^7G_`*7U
M\WO_`+?_`+]U[KW_``V7\:_^>I^7G_I?7S>_^W_[]U[KW_#9?QK_`.>I^7G_
M`*7U\WO_`+?_`+]U[KW_``V7\:_^>I^7G_I?7S>_^W_[]U[KW_#9?QK_`.>I
M^7G_`*7U\WO_`+?_`+]U[KW_``V7\:_^>I^7G_I?7S>_^W_[]U[KW_#9?QK_
M`.>I^7G_`*7U\WO_`+?_`+]U[KW_``V7\:_^>I^7G_I?7S>_^W_[]U[KW_#9
M?QK_`.>I^7G_`*7U\WO_`+?_`+]U[KW_``V7\:_^>I^7G_I?7S>_^W_[]U[H
MDOS3^&G3O1.1^#.]]CYWY!5^:@_F5?#2ECI>QOE?\G.W=K-'D-ZY;$SR5.QN
MTNVMW[*K:R*DR<IIZF;'R5-'+:2GDB<%C[KW5\'OW7NO>_=>Z][]U[JMG^:I
M_P!DT]>?^+O?R[O_`(.7H'W[KW5DWOW7NO_1V\_@U_S,K^9+_P"-!<__`/`F
M?$;W[KW1*.[_`(O?S$^V_E3W17_$RJZ,_E^[*R.]\%4;B^<E;+OCN?Y#]WPT
M6P.NY::/;'Q6J<IA/CW48/;>0QM7MB7*[ZKLP\M)3+48[%4Y`E;W7NKNMH8S
M.X3:>U\-NC<TN]=S8C;N$QFXMY3XG&X"?=N=H,;34N7W--@L,D>(PLN>R$4E
M4U)2JM-3&7QQ`(JCW[KW2B]^Z]U[W[KW7O?NO=>]^Z]U6_V#_P!O9_BS_P"*
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M*4-?+#$[%$EECI9Y7CC9Q8,0`3Q[]U[IY]^Z]U[W[KW7O?NO=>]^Z]U[W[KW
M7O?NO=<))(XD:25TBC0%GDD941%'U9G8A5`_J??NO=!GN#NWIC:;.NZNW>L-
MLM'<.NX-_;4PS)I^NL9'+4Q6UN;^_=>Z"+)_._X/861H<S\ROBGB94OKBR?R
M'ZBH)$M]=256[XF6W^(]^Z]T'N<_FA_RXMOAC7?.;XK510$M'@>\.OMTS"WU
M'@VQG<O-J_VG3?\`P]^Z]T'-1_.-_EL1,%I/D_@L^2=*_P!S]A=M[W#D\#0V
MT-@9Q7O_`($^_=>ZTJ?YZO\`PHE^3&!^;YZ=^,F4ZUSOQRZ1[!^-'R%ZGK-_
M]&[^VWO*;L?9&V<3O9CGJ7?C;*W)4[<J-V968%&QU,)Z.*(TTX4M+)[KW6Y-
M_(^^9?<GS_\`Y9OQZ^5G?S;5?M;LBL[;I=S2;+P<FV]NRILGN;?^Q<-)1X:2
MOR1I)6P>VZ;S6E*O-J<!=6D>Z]U;)[]U[KWOW7NJV?YJG_9-/7G_`(N]_+N_
M^#EZ!]^Z]U9-[]U[K__2V\_@U_S,K^9+_P"-!<__`/`F?$;W[KW0/?S.\!V[
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M+?&\<O1X+;>W,-2:1-79/)UTL5/`C2.L<:W,DTSI'&K2.JGW7NJPH]C=O_S0
MZMLQW7M[?'Q__EQW7^ZWQTS]/E-E=[_.&C;U+NWY.4):BW#TO\8LC#8X[K`^
M#<V\*9Q-NY\=0/-M:H]U[JV?"X7#;;PV)V[MW$XS`;?P&,H,+@L%A:"EQ6&P
MN&Q5+%0XS$XG&4,4%%CL9CJ*!(8((42*&)%1%"@#W[KW3G[]U[KWOW7NO>_=
M>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KW
MOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7N@.[T^3'Q[^,NW(MU_(+N?K
M?I_"5:U8Q4V_=V8?`5NX:BBB6:HQNU,/6529G=N9T.H2AQE/5UDK.JI$S,H/
MNO=:7?\`PK$^0N7^7GP/Z#H^F?C;\I9>M,'\N=LYBB[JW]T]F>L-I;TGJNDN
MTTQ='L;8.^IL)WKF<=D:3,R3)FZG:=!@2*8QQ5DTLT2GW7NJNO\`A)'U7\M:
M/YJ_)F#J+*;6Z.STWQ5F3+;G[TZ&[!['PLN*F[<ZZ,%#@\'B>S^EXZ;/S5=*
M9(YZJOJXFIX)T6F9KRQ>Z]UOIY/X\?S,<LVK_AR;JK;H)NR;2^`FW(0H_*QM
MO'Y%[W8?X%M7OW7NO4/Q/^>4DBOG_P":OV:\=K20[3^)OQ(P"&_U,3[BZ\WS
M+$?Z79[>_=>Z=*OX+=NYR%EW1_,R^?-7._\`G&VO6_$[8%-S^KPQ;6^*E)5P
MB_TM4&WOW7NDZG\LV&8@YKY]_P`S7.\W8/\`+6NVR&YO8C8&S=GZ!_P73[]U
M[I30_P`L[HZIB2'=W;WSC[#C5=+1[P^??S`>&5?[2R4VW>X]O4I5[\@(!_A[
M]U[IAJ_Y0?\`+^R4S3YOJ#?&Y99/\X=V?)?Y3;M67F_[L>Y>ZLK'*3?G4#?W
M[KW3CB?Y1'\M'#L'C^&G3&5:^H_WJPM=O4.;W)D7>&2SBR7/UU7O[]U[H4,?
M_+F_E]8J.**@^#/Q!@$-C&_^RV].RSJ1]#]S/LZ2H9A_4L3[]U[H1\+\1OBC
MMMXY-N_&+X]8"2+F)\+TMUOBGCM]/&U#MJ!DM_A[]U[H9\-M7;&W$$>WMN8'
M`QJNA8\-A\?BT5/II"T-/`H6WX^GOW7NG[W[KW6K7_.L_DL_!3Y&]Z](?*WM
M/:W8F3[;^0WR_P#AU\=^QJO%=D9G"X&IZWS.1BZ^R5'BL)2Q&#%9*KVWCZ>-
MJF-O(LD(DC*.TA?W7NK\/AC\/>E?@5\<=@?%CX]8[/XKJ;K:3=$NVJ/<^X*O
M<^<6;>.[L[O?.2UV:K5CFJFGS^XJET&E5CC944`*/?NO=&D]^Z]U[W[KW5;/
M\U3_`+)IZ\_\7>_EW?\`P<O0/OW7NK)O?NO=?__3V\_@U_S,K^9+_P"-!<__
M`/`F?$;W[KW59/\`.@WQOO&Y;';?^1&V?A)LGXL-+NFNZ+[H[H^='S%^'>]\
MAOK"=/R9G>FR-Q[R^-NP8H:?^^\=7DL=C-I_WAJ)MV46+GFCI6JZ>FB7W7NK
MM?B,^/D^*/QCDQ&R\'UQBY?CWTQ+CNO=L8?-[>VWL2AEZXVW)2[.V_@=S10;
MDPF%VS"RT5+29!$KJ>"%8ZA1*KCW[KW1AO?NO=>]^Z]U[W[KW7O?NO=5O]@_
M]O9_BS_XH;\S_P#W^/PM]^Z]U9![]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z
M][]U[KWOW7NO>_=>Z][]U[KWOW7NJ!OYR?\`,F[<ZW^/'>72_P#*WGHOD'\\
M]J8VI?L/;?5&W<WVYF_B_P!94N-STN^^Q]VMM?$9O8>T^U<$F.AAP&V-RUU)
MEJ^HJQ5TN,R24KTTONO=51?\)FOE_P#SG.SOA=NRKW9T7A/E9T-MW>=9CNA.
MYOD1\B=P]0=F[@FDR>4F[#VUB-VY/JSN/)]P['VMN%S'3Y7(+1-C*YJK%PUM
M='2BCQ'NO=;%E1\B_P"9A27U?RT^L\A;_G3?/K:DNK_@O\:^/V`_WG3[]U[I
MN7Y4_P`R&-]-5_*FGDC'U?$_.+H"K)_Q1,GAL'<'\7*^_=>Z=Z?Y9_.M?^+A
M_*F[<']?X/\`*OX=9'_DG^*=K[?N/]>WOW7NGE?F#\HJ-0V<_E=?+"GXNPP/
M:_PBW,0/]I6G^4M&S'_"P/OW7NL%1\\>S*%?\N_EH?S#48#]S[#;?Q0S48/Y
M"'$?+:LEE'^(3W[KW2>J?YD6=H;BM_EQ?S,X;?7[;H+KC,V_UC@.\<L&_P"0
M;^_=>ZQP_P`S:A-OOO@7_,WQG]?-\/=Q9+3_`*_]WMQYK5_R#?W[KW3S2_S+
M=B3,%J_B=_,>QA_M&J^`OR/JU3_7;"[+RJM;_:=7OW7NG0?S,OCY3?\`%\Z[
M^:.V+&S_`,=^`/S4C\?]=?\`#^BLC:W^%_?NO=0:K^:W\*<>"<GNGO7$VN6&
M8^%GS6Q)6WUU_P`1^/5-IM_C[]U[I/R?SC/Y=L$GCK.\MR8YQ]1E?CU\F<3H
M_P"#G)=.4HC_`-C;W[KW5/'\T/\`X57?%?X7[AZ<V/\`&/`CY5;RW'N?;FXN
MXXY:'=^Q,%L'IG[Y?XW2XNMW+B,!79#MC=5`'&%A,$N-H%1JFO)!@IJCW7NK
M#?A!1X;^:UMSI;^97WCNG"]@]-5>5K]_?##XG8=:RHZEZ'RVV=Q9C;=)VKW;
M1Y6CHT[E^8NVLKB*F!*VK@EVQUW6QR1[6BFJUEW-DO=>ZNR]^Z]U[W[KW7O?
MNO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U
M[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]T@^R>T^L>FMJ5N_.WNQMB=5['QL
MD,.1WEV/N[;^Q]JT$U06%/%6;AW-D,9B::6H*$(KS!G(-@??NO=$*/\`,>7M
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M[KW7O?NO=>]^Z]U[W[KW59G\SC_BP_![_P`:9_"?_P!^1-[]U[JS/W[KW7O?
MNO=>]^Z]U6S_`#5/^R:>O/\`Q=[^7=_\'+T#[]U[JR;W[KW7_]3;S^#7_,RO
MYDO_`(T%S_\`\"9\1O?NO=!+_,SH?E)O&+HK;WQGQGRAW=M4[J[(3N7$_#O>
M7Q$V-V72Y;$;+I<EUJV;WO\`+VGK-A[?P>/W`TTCT]+X<C+724<FHI#XI?=>
MZ/\`_'Q<\G0_3$>Z7W<^YX>K-@P;C;L#<&"W9OW^/0;7Q<687?.ZMK%MK[FW
MDF12093(8S_<;6UPEFI;0/&/?NO=#![]U[HLOS)[BWM\??C'W%W3UYAMK9_=
M?6^U)-ST&*WI49BGV[4P4-;1_P`3^]_@*'*5$D6+>9X(8W@$LX16EC4LP]U[
MHK7S7^<6]?A[O"NW#N?;=52]*8_K^E;:M<_5><SN-[9[SW-49_";*ZE_TUXO
ML:GQG462RF>_AHCAR.R\M!7Q>1(\E!4S4].?=>Z-9T%V]N;?NY_D!UIO>FQ4
MF\?CWVGB.OLIN3;F-R.)VWO#';JZIZ[[<V]G,?C<E6Y6;$U]/B>PTH*ZC%;6
MK%4T9D$Q68(GNO=5"=X_S,OA!L+^:WTG7;L[PBQ-/UK\7?F1TSO4GKKMNN;#
M=D5/>'Q9:+;NG&;!K3D+C8^4O5TOFH1]M_GOW(M?NO=';/\`.*_EP@D'Y&QW
M!L?^,3]Y?C_RF?OW7NNO^'B_Y</_`'D='_Z*?O+_`.UE[]U[KW_#Q?\`+A_[
MR.C_`/13]Y?_`&LO?NO=>_X>+_EP_P#>1T?_`**?O+_[67OW7NO?\/%_RX?^
M\CH__13]Y?\`VLO?NO=>_P"'B_Y</_>1T?\`Z*?O+_[67OW7NO?\/%_RX?\`
MO(Z/_P!%/WE_]K+W[KW7O^'B_P"7#_WD='_Z*?O+_P"UE[]U[J31_P`W[^7;
MD:J&AQWR"FKZVH8K3T=%T_WQ554[*I=EAIX.L))I6"J20H-@+^_=>Z+OVG_/
MW_E^8#"RQ]![ZSGRSWY-D(L'3;<Z9V?OBIV/MG,52LD%1W'W7D=I1]9=/;=Q
M]2T?\2ER-9+EJ:%R\&-JV4Q^_=>Z)Q6?,SI'Y2559+\\?YBU-LCJ^>HK:<_#
MGX,[4^4VP.NLKBVFRU(<7W1\L).J]H_(;O"FKL57)'54VVX>L]MUBH8ZK%U\
M1UM[KW1^NH?YD?\`*$^/^PL-U;T;V#L#J+KG;ZR##;(ZY^/W;.T-M4,DY#U=
M5'B<'U/14CY"OF'DJ:EU:HJ9B9)7=V+'W7NESA_YN/\`+(V[C*3"[?[WQ&"P
M]`CQT.)P_3'=&,QE'')*\SI24%%U;!2TZ/-*SD(@!9B?J3[]U[IS_P"'B_Y<
M/_>1T?\`Z*?O+_[67OW7NO?\/%_RX?\`O(Z/_P!%/WE_]K+W[KW7O^'B_P"7
M#_WD='_Z*?O+_P"UE[]U[KW_``\7_+A_[R.C_P#13]Y?_:R]^Z]U[_AXO^7#
M_P!Y'1_^BG[R_P#M9>_=>Z]_P\7_`"X?^\CH_P#T4_>7_P!K+W[KW7O^'B_Y
M</\`WD='_P"BG[R_^UE[]U[KW_#Q?\N'_O(Z/_T4_>7_`-K+W[KW7O\`AXO^
M7#_WD='_`.BG[R_^UE[]U[KW_#Q?\N'_`+R.C_\`13]Y?_:R]^Z]U[_AXO\`
MEP_]Y'1_^BG[R_\`M9>_=>ZK"_F,9#^0/_-'7J.I^4_:%=D-P=-[PP^?V_O+
M9/7?=FU-Y9C:-)DTR6X>H-S;CAZCJ\A7]7[V92E=2Q-3U](SO/C:N@JG>=O=
M>ZL9V;_-:_E:==[2VSL+87=&WMF;(V9@L5M?:.T=L=)=RX/;FV=N8.BAQN&P
M6"PV-ZLIZ#%XG%X^GCAIZ>&-(HHD"J``![]U[I2?\/%_RX?^\CH__13]Y?\`
MVLO?NO=>_P"'B_Y</_>1T?\`Z*?O+_[67OW7NO?\/%_RX?\`O(Z/_P!%/WE_
M]K+W[KW7O^'B_P"7#_WD='_Z*?O+_P"UE[]U[KW_``\7_+A_[R.C_P#13]Y?
M_:R]^Z]U[_AXO^7#_P!Y'1_^BG[R_P#M9>_=>Z]_P\7_`"X?^\CH_P#T4_>7
M_P!K+W[KW7O^'B_Y</\`WD='_P"BG[R_^UE[]U[KW_#Q?\N'_O(Z/_T4_>7_
M`-K+W[KW7O\`AXO^7#_WD='_`.BG[R_^UE[]U[KW_#Q?\N'_`+R.C_\`13]Y
M?_:R]^Z]U[_AXO\`EP_]Y'1_^BG[R_\`M9>_=>Z]_P`/%_RX?^\CH_\`T4_>
M7_VLO?NO=>_X>+_EP_\`>1T?_HI^\O\`[67OW7NO?\/%_P`N'_O(Z/\`]%/W
ME_\`:R]^Z]U[_AXO^7#_`-Y'1_\`HI^\O_M9>_=>Z[JOYQG\MS'8?(;DRWR8
MQF#VSB#$,SNG<'7'<FW]JX7SNL<#9O<V:Z[H<%ATFE<*C5-1$K,0`;D>_=>Z
M+_V'_/\`OY>6$Q-+4=+[K[,^4V6RDII,7_H+Z=[-RO7E-4R//2TU;NSO#<6U
M=O\`3NUMO1Y&(15E4^9J)Z-"9#3.``WNO=%BR7\T?,]TY6:DW[\\.@_@_P!?
MBIQ<LNV_C/TWW9\I.^J_'R43C,XNH[[[AZ'VYTCM&M\T@`?%]=[F6)UO!D7"
MB23W7NE5UCW)_(PZ_P!TXOLO=7;68^1G=F*@HDI^]OE=M?Y)?(OM.DJ<?5/5
MTE?MC)]F=?9K`=:3PS/Z(MI8W`4D:J`D*@>_=>Z/E_P\7_+A_P"\CH__`$4_
M>7_VLO?NO=>_X>+_`)</_>1T?_HI^\O_`+67OW7NO?\`#Q?\N'_O(Z/_`-%/
MWE_]K+W[KW7O^'B_Y</_`'D='_Z*?O+_`.UE[]U[KW_#Q?\`+A_[R.C_`/13
M]Y?_`&LO?NO=>_X>+_EP_P#>1T?_`**?O+_[67OW7NO?\/%_RX?^\CH__13]
MY?\`VLO?NO=>_P"'B_Y</_>1T?\`Z*?O+_[67OW7NO?\/%_RX?\`O(Z/_P!%
M/WE_]K+W[KW7O^'B_P"7#_WD='_Z*?O+_P"UE[]U[KW_``\7_+A_[R.C_P#1
M3]Y?_:R]^Z]U[_AXO^7#_P!Y'1_^BG[R_P#M9>_=>Z]_P\7_`"X?^\CH_P#T
M4_>7_P!K+W[KW7O^'B_Y</\`WD='_P"BG[R_^UE[]U[KW_#Q?\N'_O(Z/_T4
M_>7_`-K+W[KW7O\`AXO^7#_WD='_`.BG[R_^UE[]U[HF'S#_`)AGP\^2NX/@
MGUATIW%'O/?5?_,D^'N3H\%_</L_;QJ*/![TR>:RDJY+=.RL)B(S2XO'32Z7
MJ%9_'I0,Y53[KW6P'[]U[KWOW7NO>_=>ZK9_FJ?]DT]>?^+O?R[O_@Y>@??N
MO=63>_=>Z__5V\_@U_S,K^9+_P"-!<__`/`F?$;W[KW0>]W_`,FKX`?)'MWL
M;O/N[K;L[>79/:.2Q=?NG*XCY.?)KJS#O'A-JX+9F)Q]#L[ICMWKG9M-3TF"
MV]3HTYH'KJF0O)45$S$$>Z]U85U7UQMSIWK+KWJ79W\0&T>L=E;7Z_VJF6K#
MD<G%MO9^%HMOX.'(9%TCER-9!B\?$DE1(#+,REW+.S,?=>Z7OOW7N@R[EZAV
M/WWU?O7ISLJBR>2V%V#AI=O[IQ^&W#GMJ9*MQ,\L,T]-2[BVQD<3N#$M*80#
M+25,,NFX#`$^_=>Z1F[OC'T_V%EJG)]AX3+[_IJW&XVBJ=L[TW7N;<>R3D,5
M@<KMBCW52[+R>5GVSC-XK@<W50-DZ2E@JG,OF+>=(Y4]U[I?=<=7[/ZJQ.4Q
M6T:.LC;<&?K-U[FS&7R=?G=Q[JW/7TE!CJK<.YL_E9ZK)YO+R8S$TE*)IY'9
M:6DAB6R1HH]U[HD?8+,/YLOQ:0,V@_`[YG,5N=)8=X_"X`E?H2`??NO=6/>_
M=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>ZK>WO_,CV'G=TY_J?X6=<;O^
M>G=.WJZ;"[CQ_2&1PV-Z"ZPSL432O0=X?*_<3ITQL*MH_&XJL'C*K<F]8BA$
M>`F:RGW7NF"F^&?R0^2-0,Y\_?DC7S;0J/.8_AY\.,]OCI;X^P4=1'E**3$]
MK]RT]9@OD?\`)+S4-5"*F*:MV3M&OT/'4[7E1N?=>ZL5V-L/9'6.T\)L/K?9
M^V-@;(VU1C'[>V?LS`XO;.V<'1"1Y?M,3@L+2T6,Q].9I6<K%$H+L6/))]^Z
M]TJ_?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>
M]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[K
MW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]UQ9E16=V5$12SN
MQ"JJJ+LS,;!54"Y)^GOW7NJ^=[?S.?BMB-R97KWJ#,[T^7_;>'$(R/57PWV7
MD?D#GL/)-D1BVAWGO':TD?3W5TE+5FTW][=S8%8ARQY%_=>Z2LN2_FD?(%9X
M</MWHG^7GL6LCR%,N7WG5T_R^^3P$5?$:"OH]I;2R>T/C9UW6UF/#"\^?[%@
MA<DM`W%O=>Z6FTOY<G2:YBEW?\@-W]S?,_?5)E:W-TF9^5W8=5V#LG"Y/(0P
MQ3S;1^/>#H=H_&791IVA#4TN+V935E/Q:<E5(]U[H_%-34]'3P4E)!#2TE+#
M%34M+31)!3TU/`BQ0P00Q*L<,,,:A550%50`!;W[KW6;W[KW7O?NO=>]^Z]U
M[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?N
MO=>]^Z]U[W[KW7O?NO=>]^Z]U6;_`#-V9<#\(+$C5_,R^$ZM8D:E_P!),IL;
M?47'OW7NK,O?NO=>]^Z]U[W[KW5;/\U3_LFGKS_Q=[^7=_\`!R]`^_=>ZLF]
M^Z]U_];;S^#7_,ROYDO_`(T%S_\`\"9\1O?NO=6"^_=>Z][]U[KWOW7NO>_=
M>Z][]U[KWOW7NJW^P?\`M[/\6?\`Q0WYG_\`O\?A;[]U[JR#W[KW7O?NO=>]
M^Z]U[W[KW7"66*"*2::2.&&&-Y99976.***-2\DDDCD*D:*"220`![]U[JMC
M<'\R';786?RG7?P,ZKW)\[^P<3DI,+G]W=<YS'[-^)77.5IY<8*ZF[-^76<H
M<IUX]=C*?(EZK"[(I=][LIGA9)L/'^H>Z]TQ+\$>W_DPJ97^8]W]/VMMJK6.
M5_AU\=/[T=*_#^A5HZ%WQ/8L\&8;NWY1)%5T*O,F[LU2;0KB6;^ZE+JT#W7N
MK']E;(V7UMM3`[#ZZVAM?8.Q]K8^+$[8V9LK`8G:NU-N8J`L8,9@=NX*DH,1
MB,?"6.B&GACC6YL/?NO=*CW[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW
M7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^
MZ]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]UTS*BL[
MLJHJEF9B%55479F8V`4`<GW[KW1;>[OE9T?TGL3?NZ-P]N=0X_-[0V9NG<U#
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MV\_@U_S,K^9+_P"-!<__`/`F?$;W[KW5@OOW7NO>_=>Z][]U[KWOW7NO>_=>
MZ][]U[JM_L'_`+>S_%G_`,4-^9__`+_'X6^_=>ZL@]^Z]U[W[KW42OKZ'%4-
M;D\G6TF-QN-I*BOR.1KZB&CH:"AHX7J*NMK:NH>.GI:2EIXV>21V5$12S$`$
M^_=>ZK8R7\Q0=R9.NV9_+RZ=R_S2SM)D)\-EN[*7/CK'X1[&R%+5TE'D3N#Y
M19/"Y^@[,J\/]ZLD^+ZQPV_<G&4,=5'1<R+[KW4*F_E^[S^0<M-N+^8_WI7?
M):!Y*2OB^+'6V-RW37P?V[41/AZ^/'YSJVDS^8WU\CSC\GCGU3=D[@SN$JP_
ME@P&-8^-?=>ZLDVWMK;FS<!AMI[0P&$VKM;;F-I,-M[;6V\50X/`8+$8^%*:
M@Q6&PV,@I<=B\;14\:QPP01I%&BA54`6]^Z]T]^_=>Z][]U[KWOW7NO>_=>Z
M][]U[JJ/^;[_`#5MD?RB?CKL;Y#[\ZBW=W+B]\]R8/IVEVYM#/X?;=9CJ[-;
M/WOO$9NLR.9I:VG:E@I-D2PB%(R\DLR^I5!/OW7NB/\`\IK_`(4?=!_S4>Z>
MR^G<7TGN3XZ-UQU6W:$F[.SNS-EUF(S4,6[=O[4GP-+%3TN(:"N5]Q15"OY)
M%:..0%5(4M[KW5[\WR!Z&I[^?NWJ*"WU\W9.S8[?Z^O-+;Z>_=>Z:Y?DY\;*
M?_/_`"%Z.A_Y:]L["C_I_J\^O]??NO=0)/EE\6(K^7Y+_'^.WU\G<O726^OU
MU;C']#[]U[J#)\Q?B+#_`)WY3_'&*WU\G>'62?T_U6YQ_4?[?W[KW4"3YM?#
M*&_F^7'QBBM]?)WWU4EOK]=6ZQ_3W[KW4&3YW?!^'_._,GXJ16^OD^0_42?T
M_P!5N\?U'^W]^Z]U";Y__`Y"0_S9^(Z$?4-\D>FU(^OUOO,?ZD_[;W[KW6%O
MYA'P'7]7S@^(*_\`!ODKTP/Z?UWI_B/]O[]U[K"W\P_^7^OZOG-\.U_X-\FN
ME1_7^N]O\#_MO?NO=89/YC'\OB(7?YU_#D?X#Y-=*L?Q_97>I/Y'^W]^Z]TV
MR_S+OY=<-S)\[OB`+7!T_([J*3Z7_P".>[F_U)_VWOW7NM6_^9[_`,*U<_\`
M#+YC;_Z`^-O3/QV^4?46U]O=?93`]R8/N7)9:@W!D-U;-Q.Y,[1QU^R8<SMQ
MS@<EDVH6CBG>2.2G82D.2B>Z]U:Y_+H_X4&?%_Y6?$CK'NOY"9O&=-]U;QRN
M^\;N3IOK78W>7</]W1MG>^=V_@I5J=F];[CJR^?V_0TE?H;5I-5I!)!`]U[H
M_57_`#-^D:FF%9L+IGYS=LTITA:GK_X&_+`T;EQ=`F0WEU3L_'E6_#>71_C;
MGW[KW4#&?S#MW;CDD@VM_+@_F/Y20$K!+F^H^FNMZ.9B/0S3]I_('9,D$3'Z
MEXPZCZK?CW[KW6/)_+#YZU,A&T/Y578SPL5,,_8ORU^*>S0T;V(>>#9V]NU:
MFG<*?4FAF4\?7W[KW3G!VM_-&W/2VQ/PR^)?6=45++-V7\VM^;H`X%HY,=UO
M\1ZY!(/SIKF4_P"J'U]^Z]TS00?SC,G5M]UD_P"6ALB@8C1X,'\I.TZN$?D-
MY-P].PU)`_(\-_Z#W[KW3CE.C_YG6YH?)5?/SX^]=SR@F2DZU^"57D8Z0D_2
MER79GRCWF9U`^AEH[_UO[]U[KK&?$3YGURF'?O\`-1[ZK::90M3#UI\=_AYU
MU)]?4:*OS?2W9&3HV/X/FD(_Q]^Z]U!JOY;V2R]6:O<W\PS^9;GPXM+2TOR,
MVKL"DDYN2(NI.I>O33D_\V6CM^+>_=>Z=Y/Y77QHS5']GV)N[Y=]NWC$;2]E
M_.KYBYI70`C3)C\;W9AL,X:_(-+;^EO?NO=-F,_D^_RU\=41U=1\3]B[HJ8_
MI-V'FM^=G/)?ZB<]B[MW1]R&_(DU`_GW[KW0C9G^6O\``ZKV=N?:FW/A]\6]
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MX3_^_(F]^Z]U9G[]U[KWOW7NO>_=>ZK9_FJ?]DT]>?\`B[W\N[_X.7H'W[KW
M5DWOW7NO_]#;S^#7_,ROYDO_`(T%S_\`\"9\1O?NO=6"^_=>Z][]U[KWOW7N
MO>_=>Z][]U[KWOW7NJW^P?\`M[/\6?\`Q0WYG_\`O\?A;[]U[JPO.9W";8PN
M5W'N7,8K;VWL#CJS+YS/9S(4F)PN&Q..IY*K(93*Y2OFIZ''8ZAI8FDFGFD2
M**-2S,`"??NO=5NUG\P3<7?%35;9_ES])9#Y52BHJ\94_)7=V8KNH/@[M:K@
MFR>.J*RE[NK<!G-R=_OB\A1HQI>L<!NG'U`;Q5&7QK'R+[KW7.A_EXU?=N0H
M]W?S$^Y<G\Q,G!74^7QO0-)@9>J_@]LNNIJH5]##0?&_'YW<$O<51B9G9(\A
MVAG-[R\"6E@H"?&ONO=638O%XW"8W'87"XZAQ&'Q%#28O$XG%TE/08W%XV@I
MXZ2AQV.H:2.*EHJ&BI8DCAAC18XXU"J``![]U[H-NQ>^.CNH$$G;7<W5'5T9
MC\H?L7L3:&R4,5M7D#;ES&,'CT\W^EO?NO=%#W3_`#:OY<&U<@,3_LW756]<
MHU@F-Z=JLUWO7.Y*CQI2]*X;?\[S78`H%+@GD>_=>Z;,C_,UV'62THZN^*7\
MPCNZBK@C4.;V1\,NV-F;>K$D;2)8,_W[0]+XEH`WUD,H2W()'/OW7NO5_P`L
M_G1G:JF_T8_RMNR(\/6:&AR_?GRC^-74<D,3W'DR&"ZYW/\`(3/T+(1ZHS3-
M*!_9)X]^Z]UU693^;WNBNIYL-L_^73TMA:BSR4VX]\_)#Y$;BQ\;BXBGCP>R
M?CAA:RIA/#>.J6-OPP]^Z]UZH^-_\Q_=&3AK]S_S+-M;%Q\@5ZK;_0WPFZPP
M*0,Q5G@H<[WGO[Y"54B1FZK)+3$LMB4!]^Z]UW)_+DK,]E%RW8WS\_F.[^=M
M!J\72?(_%]+[?J'O>54QGQMZ[Z7DI:>0DC1',"$XU$B_OW7NJS/YJO\`PG"Z
M0^=71^T]A]!;WR71?:N%[8P^^<]VYV]O;O[Y+Y;<.UJ3:F[<#D]J@]F]R9FL
MQT^0RF;HJTU,<ES]CX[`2$CW7NB]?R?O^$N^U/Y>7>79O9_R9[`Z"^:6T=Z]
M3R;!V_L'>7QVQM;0;8W%-O#;6XFW?!'O_,;WQD=7#C<#+1*8*>.=DK'_`'%4
M%7]U[K8<'\O+X!+^GX-_#U?];XS]+#^O]-E?XG_;^_=>ZS+_`"^O@2OZ?A%\
M0U_X+\:^F1_3^FR_\!_MO?NO=9T^`GP2CYC^%7Q*C/\`5/CCTZO]?]3LT?U/
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MMO#16_UM%$MO?NO=:W'\R/\`X2^_&C^9-\MM\_+;??R,[HZPW%OG`;#P-5LS
M8>W]@3;;QL>P]HXO9]'/139C$SUQ-=08B*21')T2E])TE57W7NKBOY;?P0V3
M_+6^('6OP]Z\WQNOL;:G6N1WWDJ#=N]:?$T>X,C-OW?>XM^5\=32X.GI<;!#
M15VXY(80BW,:`L2Q)]^Z]T>OW[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[
MKW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>
M]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[K
MW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U69_,X_P"+#\'O
M_&F?PG_]^1-[]U[JS/W[KW7O?NO=>]^Z]U6S_-4_[)IZ\_\`%WOY=W_P<O0/
MOW7NK)O?NO=?_]';S^#7_,ROYDO_`(T%S_\`\"9\1O?NO=6"^_=>Z][]U[KW
MOW7NB0?S)-Y9SKOX-?)/?NV^Q,WU5G-G==U6X\9OK;V:H=N93#56+R./J(DB
MSE?35,6,@R3+]K-(GCF\4S".2-R''NO=5N?/'Y"_+K9.[?D-D>ALQN^L['VE
MW#\6]L]";#P5#49'!;F^,&_NKZ7-_)7M&GV]`/X3NI=GRU>Z,H,[+%538BOV
MG04\4@6=J.K]U[JS7XB[GW%GLS\FL7!N#([SZ9VAWI1X'H/>F6SM=NBKS6TJ
MCIWJK<&\Z"AW3DFJ*W=>W=M]KYK.T5%D9*JN+^.2G%0ZTP5/=>Z^41\FOYS/
M\T;#?,3MK=>+^:?<N.W)UKOCOWJ78F5@K\&E;M;KG<79\%?F=H8QTPICBQE5
M5[(Q+6(9XOX?"L;*J`>_=>ZV9MG_`#R^2_R@S6R:7Y,?$W9_=7;^+P^P,U@>
MOOYF'S2ZO^,O2>&RK[<66BW+L'^7YD-O];;*[(K<Q)FEK\?GMV;AWON$I(D]
M'48^)TIHO=>ZO9B[3_G5[LQ>/I,]U'5]+X^.BIEHV^+72/Q'[/A-`8HVHQC-
MP]\_S%J/!RTR4VE87BP:PF.Q$8M8^Z]TV[AV9\ZMYTM+#V!#_.MW+-"?\I'7
MO:7\H[XWXJI76'$<=/U%O.'=4"VNNIL[+(5(]5Q?W[KW316_%_;NZZ2C@[?_
M`)7G\SKY!5=(0?XCWQ_,0V5V,*D`66.HV_DOY@4.S3"!?]M,8B$&Q!%@/=>Z
M%?9/4O3W7<=(-G_\)[<CBJJA;73Y>3`?RX,KN(.``))MS9CY"Y#<-5*`/U2U
M3M_C[]U[HWF'^4WR#V[CJ;#[?_E4?)_!XFB014>+P_8?P:QF.I(QP(Z:BHOE
M!!30(/Z*H'OW7NG/_9P?DY_WJ_\`EE_Z-+X2_P#W4OOW7NO?[.#\G/\`O5_\
MLO\`T:7PE_\`NI??NO=>_P!G!^3G_>K_`.67_HTOA+_]U+[]U[KW^S@_)S_O
M5_\`++_T:7PE_P#NI??NO=>_V<'Y.?\`>K_Y9?\`HTOA+_\`=2^_=>Z]_LX/
MR<_[U?\`RR_]&E\)?_NI??NO=>_V<'Y.?]ZO_EE_Z-+X2_\`W4OOW7NO?[.#
M\G/^]7_RR_\`1I?"7_[J7W[KW7O]G!^3G_>K_P"67_HTOA+_`/=2^_=>Z]_L
MX/R<_P"]7_RR_P#1I?"7_P"ZE]^Z]U[_`&<'Y.?]ZO\`Y9?^C2^$O_W4OOW7
MNO?[.#\G/^]7_P`LO_1I?"7_`.ZE]^Z]U[_9P?DY_P!ZO_EE_P"C2^$O_P!U
M+[]U[KW^S@_)S_O5_P#++_T:7PE_^ZE]^Z]U[_9P?DY_WJ_^67_HTOA+_P#=
M2^_=>Z]_LX/R<_[U?_++_P!&E\)?_NI??NO=>_V<'Y.?]ZO_`)9?^C2^$O\`
M]U+[]U[KW^S@_)S_`+U?_++_`-&E\)?_`+J7W[KW7O\`9P?DY_WJ_P#EE_Z-
M+X2__=2^_=>Z]_LX/R<_[U?_`"R_]&E\)?\`[J7W[KW7O]G!^3G_`'J_^67_
M`*-+X2__`'4OOW7NO?[.#\G/^]7_`,LO_1I?"7_[J7W[KW7O]G!^3G_>K_Y9
M?^C2^$O_`-U+[]U[KW^S@_)S_O5_\LO_`$:7PE_^ZE]^Z]U[_9P?DY_WJ_\`
MEE_Z-+X2_P#W4OOW7NO?[.#\G/\`O5_\LO\`T:7PE_\`NI??NO=>_P!G!^3G
M_>K_`.67_HTOA+_]U+[]U[KW^S@_)S_O5_\`++_T:7PE_P#NI??NO=>_V<'Y
M.?\`>K_Y9?\`HTOA+_\`=2^_=>Z]_LX/R<_[U?\`RR_]&E\)?_NI??NO=>_V
M<'Y.?]ZO_EE_Z-+X2_\`W4OOW7NO?[.#\G/^]7_RR_\`1I?"7_[J7W[KW7O]
MG!^3G_>K_P"67_HTOA+_`/=2^_=>Z]_LX/R<_P"]7_RR_P#1I?"7_P"ZE]^Z
M]U[_`&<'Y.?]ZO\`Y9?^C2^$O_W4OOW7NO?[.#\G/^]7_P`LO_1I?"7_`.ZE
M]^Z]U[_9P?DY_P!ZO_EE_P"C2^$O_P!U+[]U[KW^S@_)S_O5_P#++_T:7PE_
M^ZE]^Z]U[_9P?DY_WJ_^67_HTOA+_P#=2^_=>Z]_LX/R<_[U?_++_P!&E\)?
M_NI??NO=>_V<'Y.?]ZO_`)9?^C2^$O\`]U+[]U[KW^S@_)S_`+U?_++_`-&E
M\)?_`+J7W[KW7?\`LX/R9"R22_RQ?E13111R333UG;GP<HJ:&*)2\DLU35_*
MJ&"*-$!)+,``/?NO=%+[C_G<=<?'W:>^=Z=Q?'W<FSL5UWM?/;LW)C4^67\N
MC<>\_L<#1RU$U'ANO]L?,/,;WW%F*NH1*>"CH*"IJIIY51(V<A3[KW1(_A?_
M`,*>^EOD=\>-G=E[[Z/S&V>R9*_-[=['VQ@.U>B<1MS`[GQE?--11X(]D]M;
M9W=/A,KMJIHZB"IR%#1F:H^ZCB5TIS*WNO=&TA_GY?'VHMXNK<DM_I]U\FO@
MYC?]O_%/DQ1:?]C;W[KW3S3?STNDJNWV_5D#W^GD^97\N>E//]16?+NG(]^Z
M]T_4_P#.JZRJ@#3=/8V2XN-7SK_E?TY/^L*KYKP&_OW7NI\?\Y38\Q`AZ-I)
MB?H(OG?_`"M')O\`T"_-\W]^Z]T\4_\`-RQ%7;[7XW5]3?Z?;_-O^6!-?_6\
M?S::_OW7NGN#^:;755OM?B;NNIU?3[?YC?RSIK_ZVCYIM?W[KW2@I/YD.^,A
M;[#X3]F5NK]/VGRM_EOU-_\`6\/S*>_OW7NE/2?.KNNOM]C_`"^>\ZV_T^T^
M1W\O6IO?Z6\/R_>]_?NO=/L/S`^2M3_P%_EH_)BJN+C[3N_X%U5Q_A]O\LY+
M^_=>ZR-\N?E`GU_E@?*P_P#!>V_@X_\`T)\JF]^Z]UC_`-F^^3O_`'J_^6'_
M`*-3X1?_`'4WOW7NJS_YE7SPK=JK\`Z/Y*?&#N+XI[7W'_,W^($&+[`[4W]\
M8\]ML3;?W-FMR99Z_&=5]\;^WK28V@H<<OW%?_"GQ]()E:HJ(1I#^Z]UL;>_
M=>Z][]U[KWOW7NJV?YJG_9-/7G_B[W\N[_X.7H'W[KW5DWOW7NO_TMO/X-?\
MS*_F2_\`C07/_P#P)GQ&]^Z]U8+[]U[KWOW7NO>_=>ZCU=)25]/)25U+3UE+
M,`)::KACJ*>4!@P$D,RO&X#*#R#R/?NO=8DQN/CGIZF.@HHZFDI&H*2H2E@2
M>EH':)GHJ>54$D-(S4\9,:D(2B\<"WNO=9*.CH\?314=!24U#1P*5@I*."*F
MIH5+%RL4$*I%&I9B;`#D^_=>ZUP>U?Y/'\L'-?S/NE-EY7X3='5NV.S?B?\`
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M^Z]UZ;Y;?.7J<UP^07\N#=N],#B*"F:I[$^#_=_7OR`H,I5MXTJ)Z7JGMJ#X
MW]Q4],'9F-/0XW.U$8%@9?UGW7NE!MO^:W\%,CGZ;9?8'<TGQN[!FHX*J;K_
M`.76Q=__`!1W-323JK)0Q-WYMG86"SE;ZP%&+KJ^.6]XG<6/OW7NC_X+/8/=
M&'QVX=LYK$[BP&7I8ZW$YS!9&CR^'RE'+<Q5>.R>/FJ**MI9`/3)$[(?P??N
MO=.WOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO
M>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U
M[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>
M_=>Z][]U[KWOW7NO>_=>Z`/L+Y5_%WJ2JDHNUODCT'UE6PG3+2=A=P]>;+JH
MFOITR4^Y-Q8V5#J%K$#GW[KW16:[^;O_`"Z(,Q_=_`_)?!=EY@RB".BZ/V/V
MIW\\\K$A$II>DMB;_@JM;"RF-V!/`]^Z]UCD_F2T64RB8WKKX-_S'NS8YV44
MF8HOBIE.J,#5)(NJ&=,I\D=T](114TRD$/*(P`>;>_=>ZZ/R>_F&;@RJTFS?
MY84NW<1,3X<YWO\`,WH_8_BC8`Q35N'Z:PWR-R$)TF[QH7=2+?X^_=>Z\B?S
M?MQY4B6H_EP=/X":XO#2_)CY#Y^B1CPRF2J^-&+JYXD/Y"1EQ^5]^Z]UZ'XM
M_P`P//922HWS_-"S&'PT]UFPG0_P[Z#Z]:.)]0DCHLSV]4?([)TK&-K+(6>1
M&`8&_OW7NNZ;^6MALCDIJ_LCYK?S&NUX*HD5F$S/RVW-UCM^LB<%9J>7$?'#
M"]'TR4TZDADB$8M]+>_=>ZD8G^49_+FQV7_C^6^+^T^QLP93/)7=W[F[%[_E
MGE:Q9ZE>[]Y=@1U1<B[>16#'DW]^Z]T%OSG_`),'Q`^:WQNJOB[B\#1_$WKW
M-[UVOO#>57\4NN.F.M\_O:GVA_$*O"[3W!5U/6^9I)-M0[@JJ;)M'%#%,U9C
MZ<^01AT?W7ND!_*<_D?](_R@MQ=O93H/Y`?(SL+;G=&%V[0;KV!VWE^OJ_:,
M&;VK75E1@]X8NDVCL':=53;CI*#)UE$9#*T<M+4D2(QCA,?NO=72ST-#57^Y
MHZ6HO]?/3PS7_P!?R(U_?NO=,%5L;95<"*[9^UJP-]15;?Q-0#_KB:D>_OW7
MNDS5](],5]_O^HNL*V_U^[V#M2IO?ZW\V)>]_?NO=)RH^,/QJJ[_`'7QYZ-J
M=7U^XZFV#->_UOY,`U[^_=>Z8JCX<_$6LO\`=_%?XX55_K]QT?UE/?\`U_+M
MAK^_=>Z9)O@G\(:@DS_#?XJSD_4S?'KJ.0G_`%R^T&)]^Z]U"?X`_!"3_.?"
MCXD27^NOXW]./?\`Y*V:??NO=0IOY>'P!G!67X._$%K_`%(^-?32-_R6FS%<
M?[?W[KW3)4_RS_Y>-4")/A#\6([_`)I>C>NJ$_[!J+;].1_L/?NO=,%3_*L_
MERU=_)\-.A(K_P#*EL;'X[_;?8?;:?\`8>_=>Z9Y/Y27\N"3_N4CJ^'_`*A(
M]P45O];[/.0:?]A[]U[K4O\`Y^W\@[N[MGO3H;-_&BN^+_1?Q8SO8G2_QJZP
MV%+N[NJ?>=;W'WEN*MHMP]F=D8VJVANC;E'CJ3("EH8I<9D*JJ.(HHA]OY`4
M/NO=;FWP7V'\E>K/B-T)UE\O]W[#[!^1?7FP,;LCL??O6N2W%E]J;UJMK2U&
M%P&ZHLCNO;>T<[59W.[5HJ&HR[S8^F5LO)4F)3$4)]U[HV'OW7NO>_=>ZK9_
MFJ?]DT]>?^+O?R[O_@Y>@??NO=63>_=>Z__3V\_@U_S,K^9+_P"-!<__`/`F
M?$;W[KW5@OOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[JM_L'_`+>S_%G_`,4-
M^9__`+_'X6^_=>ZL@]^Z]U[W[KW7O?NO=>]^Z]TP;HVIM;>^!R.UMZ;:P&[]
ML9B`TN7VYNC#X[/X'*4S$$T^1Q&6IJO'UT!(!*2QLMQ]/?NO=$`SW\I_X/R9
MK*;NZJZRW!\5M^Y.A:A.^?AOV;V/\5<K3Z@H:I?`])[GVAL+-U$BBT@RN'R$
M4VH^1')]^Z]TTCXM_/[J=DDZ#_F)5'9V!Q6':EQ77/SFZ!V+VVM=6@'1][W+
MT'6?&OLF%=3$K4Y&+<%0EAK$X%C[KW7H_DG_`#$^J&IX.]/Y?N$[DPE#BI:S
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M[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=`QW'\C?C[\=\5!F^^
M^\.I.E\55QSR4%;VEV)M/8D63^V4M-%BAN;+8U\K4BUA%3"65F(55+$`^Z]T
M2P_S3NI=[TT%3\8NC/E9\L,;54^5D7?W6_2.9ZVZ,QCXJ&6:HJ<Y\@ODM5]'
M=0IA*>./RSUF-RN56*GNZI(UHV]U[K2N^,W_``I`^4'=O\[?>V9V5N'K'K7I
M3Y:_W)^*?5FR^_<QN_>O373U1MK)M3]7;]K5ZWSF%;)[AW?OBOR,%;5TM32T
M$J[HO-4)2T4$T7NO=;L&0Z`_F;[SEI*O</\`,2ZEZJ1]+9#!]!?"'`:(>"'A
MH-R=]=U=TR2W%B))<:MC]4(X]^Z]UW7_`,O#>6[ZFER':'\QK^8EN^L4:J^B
MVAVYUET#MVLE(M(*?&?'GIGK#)X^G:W"+7LZGZ/_`$]U[KNN_E&_`_<=;3Y7
MLGK'?W=N8B4>?*=]?(WY)]V29"6X9YZ_'=E]M[EP4SRN+LJTB17^B`<>_=>Z
M'W9'P2^$G6LU+5=?_#_XP[,KJ)46GR>V^A^K\3EE,9!61\O1[7BR4T^H7,CR
MM(S<DD\^_=>Z-/!!!30Q4]-#%3T\$:10P01I%##%&H5(XHHPJ1QHHL```![]
MU[K+[]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[K
MWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[JLS^9Q_P`6
M'X/?^-,_A/\`^_(F]^Z]U9G[]U[KWOW7NO>_=>ZK9_FJ?]DT]>?^+O?R[O\`
MX.7H'W[KW5DWOW7NO__4V\_@U_S,K^9+_P"-!<__`/`F?$;W[KW5@OOW7NO>
M_=>Z][]U[KWOW7NO>_=>Z][]U[JM_L'_`+>S_%G_`,4-^9__`+_'X6^_=>ZL
M@]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW4')XO&9O'5N(S..
MH<OB<E33461Q>3I*>OQU?1U"&.HI*VBJHY::JIIXV*O'(K(RFQ!'OW7NB!;K
M_E5_`S<&XUWQM?H/%=$=AP0U*4G8WQ7W1O?XI[VIZJJ\A;)3YKX\[DZW;-UZ
M22EPV22M1R`)%=/3[]U[I*TWPY^9O4_\+7X\?S)^S\Y@L0M7,>O_`)K]1=<_
M)_"Y:=RSTU#-V1LG_9>N]J:@%DC,M7N;+SQB[C6?2?=>Z+O\J/YA?SA_ES?'
M??\`\@?F7\8/CQV-UGUWM_(UV9[:^,7R(K=OK%G<E40;?Z\PE=T=\@-I;0S0
MFW1O+)4-)+'AMX;AJXH:AGAAGDC$4GNO=$@_DM_\*'NK?E)\*H=R?-+=&^,9
M\B.H=RY#:O>6^-I?'?MG<_6U93[CS.<R_6.Z\AENE^L]S;*Z\BSFUH7Q_P!O
MD9:'RUF$JYD]#K[]U[J\_K?^8M\"NW/L8NO?F-\;L_DLBXBI=N-W!L?#[P,Q
M*@03[+SV9Q>[:.<LX`2:BC<GBU_?NO='(@GAJ88JBFFBJ*>>))H)X)$EAFAE
M4/%+%+&622*1&!5@2"#<>_=>ZR^_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO
M>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z#WLK
MMSJGIC;S;N[A[.Z]ZHVFDPIWW/V5O3;>Q=O).REA`V:W1DL7C5F*@D*9=5A]
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M]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U69_,X_XL/P>_\:9_"?\`]^1-
M[]U[JS/W[KW7O?NO=>]^Z]U6S_-4_P"R:>O/_%WOY=W_`,'+T#[]U[JR;W[K
MW7__U=O/X-?\S*_F2_\`C07/_P#P)GQ&]^Z]U8+[]U[KWOW7NO>_=>Z][]U[
MI`U/:W5]'V'C^HJKL?8E/VOE</+N+&=93;MP,?8-?MZ`5!GS])LUJ\;BGPD/
MVDH:K6F-.IC8%[@^_=>Z?=M;NVKO.AJ,GM#<N`W3C:3(5>)JJ_;N7H,U1T^4
MH&5:W'3U..J*F&*NI"Z^2)F#IJ%P+CW[KW1`.P?^WL_Q9_\`%#?F?_[_`!^%
MOOW7NK(/?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?
MNO=>]^Z]T5?Y??"?XP_/3J_'=+_+/J^'MWK#%;QQ&_Z/:55NS?>T:/\`O;@:
M#,8S$Y2JJ]@;HVID\@E'19ZK44U1/+2,TH=HF=(V7W7N@8^&O\J/X`?R^MY[
MR[`^'GQ\HNE=U=@[8H=G;QKL5V'VWN6BSNW\;E?XW04M3@M\[^W1@(:JDR1+
MI5PTL=8$9H_+XV9#[KW1L.SOCWT'W;''%W-T?U!VY%#&(H8^SNM-F;^CBB!)
M$<:;JPN66.,$G@`#W[KW10)/Y2WP(H,W5;GZ]Z7RO0VYYQ*T.<^-';W=7QNF
MQ\\ERM3C\;TCV'L7`0R0O9D5J-X18`H5X]^Z]U"A^!'<^QJ+(+T?_,M^;VT*
MZJ?534G<.2Z4^4>V:..^I8/!W/U%E]^O&&"C4FY892H(+W8M[]U[KE+LC^;1
ML&DQ]+M;O[X0?(N*%]5?4=O="]N?'_=%5']!"=Q=5=L=J[6UE5!\J;8A`9C^
MV0`/?NO=3?\`9D?Y@^S\M'0=A?RX*+?.%I8E.1W=\9?ESU7O85/B0FIJ<7L_
MOW;OQES+:]),=,U0\I)":V/)]U[K#!_,XZMP462J>ZOCK\Y_CIC\5<5F<[0^
M(?;&Y=JQ.&*A6WIT-C.Z-G1(VDD225Z0D"^OW[KW0B=?_P`RO^7_`-G"%-I?
M,3X]G(SS_;1[=W-V9MK86\/N/IX7V5ORMVUNV*2_%FHE-^/K[]U[HZ6.R./R
M]#2Y/$U]%E,;70K4460QU5!6T-93N+I/2U=,\L%1"X^C(Q4_U]^Z]U,]^Z]U
M[W[KW7O?NO=>]^Z]U[W[KW7O?NO=)G>&]-G=>[>R.[M_;LVSL?:F(B$^6W/O
M#/8O;6WL7"3I$V1S6:JJ+&T418VU2RJ+^_=>Z(3E_P":E\1:RNS>!Z.S/97S
M#W?@C`*S;7PXZCW]\A:1?N)%B5JCLK9F&EZ5P\<<CJKOD=ST4:$V+7!`]U[J
M%4]W_P`RGM<9&#IOX7]6?';$,]!/A-]_-'O?'YK<-3CJD!IG?HGXOT?9D8R,
M<3AC35V_L0\94HY#W"^Z]UQJ?AE\KNUFKV^1W\QON:/#UU91U\/7WPXV#L?X
ME[4QPC!-3B3OJI/<GR&K<>Y<H'@WKCI&4!F`:VGW7NA!ZZ_EG_!7K3<<^^,=
M\<=D;V[%JJ^+*S]I=X2Y_P"0_:K92$EQD8.R^]\SV+O>@JGE.MC35T*E[&W`
MM[KW1Z54*`J@*J@*JJ``H`L``.``/?NO==^_=>Z][]U[KWOW7NO>_=>Z][]U
M[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>
M_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[
MKWOW7NO>_=>Z][]U[JLS^9Q_Q8?@]_XTS^$__OR)O?NO=69^_=>Z][]U[KWO
MW7NJV?YJG_9-/7G_`(N]_+N_^#EZ!]^Z]U9-[]U[K__6V\_@U_S,K^9+_P"-
M!<__`/`F?$;W[KW5@OOW7NO>_=>Z][]U[KWOW7NJP_D/T%W%V5W)V4W2N=[H
MZOJ.Q>K][]:=FYW.;FVG4?'O=^V=P_'_`+!VYL#=6S]NP2YG>V"[9V3VYEL(
MKU]-%BIX\?15AF6MI9*5)/=>Z4OP7Z.[+ZUW3VQOC>^W'V%A=V=7_%#J_!;%
MGR%+654.X/CYU;E=E[YWBT>/:IH(\?N&ORE+C<?,)WFK,;@8)WCB5XU]^Z]T
M0ONOH'YLY?\`FL]-P;9_F#2[0JMQ_%OYD[JV'4I\3NF\_P#Z.NND[P^+0EZM
M/\4R@.[$E.8Q?^YFK"5W^X?Z?Y5+;W7NCG_[*M_,B_[VL2?^D.=!_P#U\]^Z
M]U[_`&5;^9%_WM8D_P#2&^@O_KY[]U[KW^RK?S(O^]K$G_I#?07_`-?/?NO=
M>_V5;^9%_P![6)/_`$AOH+_Z^>_=>Z]_LJW\R+_O:Q)_Z0WT%_\`7SW[KW7O
M]E6_F1?][6)/_2&^@O\`Z^>_=>Z]_LJW\R+_`+VL2?\`I#?07_U\]^Z]U[_9
M5OYD7_>UB3_TAOH+_P"OGOW7NO?[*M_,B_[VL2?^D-]!?_7SW[KW7O\`95OY
MD7_>UB3_`-(;Z"_^OGOW7NO?[*M_,B_[VL2?^D-]!?\`U\]^Z]U[_95OYD7_
M`'M8D_\`2&^@O_KY[]U[KW^RK?S(O^]K$G_I#?07_P!?/?NO=>_V5;^9%_WM
M8D_](;Z"_P#KY[]U[KW^RK?S(O\`O:Q)_P"D-]!?_7SW[KW7O]E6_F1?][6)
M/_2&^@O_`*^>_=>Z]_LJW\R+_O:Q)_Z0WT%_]?/?NO=>_P!E6_F1?][6)/\`
MTAOH+_Z^>_=>Z]_LJW\R+_O:Q)_Z0WT%_P#7SW[KW0<]B?R]?F/V_CX\1VS_
M`#!NO>T,5$&6+&=B?RY/BYO;'QJY!=8Z+<M3DZ9`Y'-E%_?NO=%UG_D<[G6I
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M$Y"HI*/#4(R2TM34&9ZE1`L32>Z]U:GU_E_YT'R(V?LO>_QH^0N8Q&PNP=KX
M3?FR^Z?EQT-\0MG;#W/LW<E%39O;F7PW570&[>V>VZZ'<6WJR&II3E*K:\R^
M9?-!%8CW[KW1IJCX1_S6M_;7&)[._G*9+9E=D%<9=?C1\'^ANO/%3STT:28W
M'[G[+S'<.Z('I:D,\>0HWQE2P(&A.0?=>Z`J@_DA]AQUPW!N_P":.V>]=_AJ
M=G[:^4OPLZ@^37:4IHWU4K19[N#=NY<'@9(+`+_!<7BD"@`+8#W[KW1P<?\`
M$;^8GB:&CQ>*_FET^,QF/IH:*@QV/^"7Q\HZ&AHZ:-8:>DHZ2FS,=/34U/$@
M5(T5510``![]U[J9_LJW\R+_`+VL2?\`I#?07_U\]^Z]U[_95OYD7_>UB3_T
MAOH+_P"OGOW7NO?[*M_,B_[VL2?^D-]!?_7SW[KW7O\`95OYD7_>UB3_`-(;
MZ"_^OGOW7NO?[*M_,B_[VL2?^D-]!?\`U\]^Z]U[_95OYD7_`'M8D_\`2&^@
MO_KY[]U[KW^RK?S(O^]K$G_I#?07_P!?/?NO=>_V5;^9%_WM8D_](;Z"_P#K
MY[]U[KW^RK?S(O\`O:Q)_P"D-]!?_7SW[KW7O]E6_F1?][6)/_2&^@O_`*^>
M_=>Z]_LJW\R+_O:Q)_Z0WT%_]?/?NO=>_P!E6_F1?][6)/\`TAOH+_Z^>_=>
MZ]_LJW\R+_O:Q)_Z0WT%_P#7SW[KW7O]E6_F1?\`>UB3_P!(;Z"_^OGOW7NO
M?[*M_,B_[VL2?^D-]!?_`%\]^Z]U[_95OYD7_>UB3_TAOH+_`.OGOW7NO?[*
MM_,B_P"]K$G_`*0WT%_]?/?NO=>_V5;^9%_WM8D_](;Z"_\`KY[]U[KW^RK?
MS(O^]K$G_I#?07_U\]^Z]U[_`&5;^9%_WM8D_P#2&^@O_KY[]U[KW^RK?S(O
M^]K$G_I#?07_`-?/?NO=>_V5;^9%_P![6)/_`$AOH+_Z^>_=>Z]_LJW\R+_O
M:Q)_Z0WT%_\`7SW[KW7O]E6_F1?][6)/_2&^@O\`Z^>_=>Z]_LJW\R+_`+VL
M2?\`I#?07_U\]^Z]U[_95OYD7_>UB3_TAOH+_P"OGOW7NO?[*M_,B_[VL2?^
MD-]!?_7SW[KW7O\`95OYD7_>UB3_`-(;Z"_^OGOW7NO?[*M_,B_[VL2?^D-]
M!?\`U\]^Z]U[_95OYD7_`'M8D_\`2&^@O_KY[]U[KW^RK?S(O^]K$G_I#?07
M_P!?/?NO=>_V5;^9%_WM8D_](;Z"_P#KY[]U[KW^RK?S(O\`O:Q)_P"D-]!?
M_7SW[KW1,_E_T;\Q>O\`</P4W%W;\['^0&Q8?YD7P^IJOKD_&'J?JT5]=6;T
MR5)BJ_\`O=M/*56:HOX/DYH:SQQH5J/M_"]DD8CW7NM@CW[KW7O?NO=>]^Z]
MU6S_`#5/^R:>O/\`Q=[^7=_\'+T#[]U[JR;W[KW7_]?;S^#7_,ROYDO_`(T%
MS_\`\"9\1O?NO=6"^_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NJW^P?\`M[/\
M6?\`Q0WYG_\`O\?A;[]U[JR#W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[
MKW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>
M]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U2E\Z_Y`W\OG^8WWY6?(_Y
M28ONC=78L^TMM;&H8\)W#G]N[9V_M?:J5S8[$[=P%)`]/B:6>OR=56U"(VB6
MMJII[!Y9"WNO=6.?$;XL=9?"GX]==?&+IFJWG4]7=5465Q>RHM_;KKMZ[BQF
M'RF>RFX$PK;@R2)65&*Q%1EI*>@A;TT=%'%!':.-`/=>Z,C[]U[KWOW7NO>_
M=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[K
MWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=
M>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KW
MOW7NO>_=>ZK,_F<?\6'X/?\`C3/X3_\`OR)O?NO=69^_=>Z][]U[KWOW7NJV
M?YJG_9-/7G_B[W\N[_X.7H'W[KW5DWOW7NO_T-O/X-?\S*_F2_\`C07/_P#P
M)GQ&]^Z]U8+[]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>ZK?[!_P"WL_Q9_P#%
M#?F?_P"_Q^%OOW7NK(/?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^
MZ]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7
MO?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z
M]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O
M?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]
MU[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?
MNO=>]^Z]U69_,X_XL/P>_P#&F?PG_P#?D3>_=>ZLS]^Z]U[W[KW7O?NO=5L_
MS5/^R:>O/_%WOY=W_P`'+T#[]U[JR;W[KW7_T=O/X-?\S*_F2_\`C07/_P#P
M)GQ&]^Z]U8+[]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>ZK?[!_P"WL_Q9_P#%
M#?F?_P"_Q^%OOW7NK(/?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^
MZ]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7
MO?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z
M]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O
M?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]
MU[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?
MNO=>]^Z]U69_,X_XL/P>_P#&F?PG_P#?D3>_=>ZLS]^Z]U[W[KW7O?NO=5L_
MS5/^R:>O/_%WOY=W_P`'+T#[]U[JR;W[KW7_TMO/X-?\S*_F2_\`C07/_P#P
M)GQ&]^Z]U8+[]U[KWOW7NO>_=>Z][]U[I,;VWGMKKG9F[>P=Z96'!;/V+MG/
M;QW7FZA)I*?$;;VSBZK-9S)S1TT<U1)%08RBEE98T=V"V52;#W[KW0?=0=[;
M,[FDWACL!!F<'N?K^OV[0[SV9NBGH*+<^WEWCM'"[\V=75]'CLEE:5:'<VT=
MP4U73LL[/&_EIIUBJJ:H@B]U[HH'8=3"O\V_XJ4I8^>7X$_-29$T,08XN\_A
M4KL7`T`AI!P3<^_=>ZLG]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[
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MW3_;FP.^.M=I]N]6YM]Q[`WO039/;6;DQ>6PKY"B@KJO&RRMB\[0XW+492LH
M94TSP1MZ;VL03[KW0D^_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]
MU[KWOW7NO>_=>Z][]U[JL'^:'74M#@/@NU5*8A5?S/O@_0P$([ZZJJ[+FCIX
MCH!TB1^-1L!^??NO=6?>_=>Z][]U[KWOW7NJV?YJG_9-/7G_`(N]_+N_^#EZ
M!]^Z]U9-[]U[K__3V\_@U_S,K^9+_P"-!<__`/`F?$;W[KW5@OOW7NO>_=>Z
M][]U[KWOW7N@N[OZFV[WSTWVGTINV6KI]L]L=?[MZ\SE5CV1:^BQV[L'6X.I
MKJ!I`T0KJ%*WS0ZPR&1!J!6X/NO=!G\?OCY5=3[H[A[0W=N"@W3VOWIDNOZC
M?69PN+EPF`&.ZKV#BNNMG46+Q=35U]5%))C\=/D:QY)GO79&9(PL$<2CW7NB
MD]K?RE.@^W?E!M3Y'[BWQ\B:*3!;$[EVWD,!M[Y7?+':^2J,YVWO?8&\9*W;
M.Y-L=ZX:78>R,7_=.KAEVKB:>FP58U532/`IH(%]^Z]TM3_*O^+9Y_O/\Q.?
M_!@GSF_^Z$]^Z]U[_AJ[XM_\]/\`,3_TX+\YO_NA/?NO=>_X:N^+?_/3_,3_
M`-."_.;_`.Z$]^Z]U[_AJ[XM_P#/3_,3_P!."_.;_P"Z$]^Z]U[_`(:N^+?_
M`#T_S$_]."_.;_[H3W[KW7O^&KOBW_ST_P`Q/_3@OSF_^Z$]^Z]U[_AJ[XM_
M\]/\Q/\`TX+\YO\`[H3W[KW7O^&KOBW_`,]/\Q/_`$X+\YO_`+H3W[KW7O\`
MAJ[XM_\`/3_,3_TX+\YO_NA/?NO=>_X:N^+?_/3_`#$_]."_.;_[H3W[KW7O
M^&KOBW_ST_S$_P#3@OSF_P#NA/?NO=2*7^5O\7J.IIZN+<_S$\E-/%/'_P!C
M"/G9'ZXG61?W(/D1#.GJ7ZHZL/P0>??NO=`;\<OY,/Q]Z7Z+ZTZFW7V=\H]Y
M9S86%R&(K-R[4^8_S+ZNV]E36[DSF?6;&=?;9^0[;<VM#&N9\;0402*21&F8
M>661F]U[H:O^&KOBW_ST_P`Q/_3@OSF_^Z$]^Z]U[_AJ[XM_\]/\Q/\`TX+\
MYO\`[H3W[KW7O^&KOBW_`,]/\Q/_`$X+\YO_`+H3W[KW7O\`AJ[XM_\`/3_,
M3_TX+\YO_NA/?NO=>_X:N^+?_/3_`#$_]."_.;_[H3W[KW7O^&KOBW_ST_S$
M_P#3@OSF_P#NA/?NO=>_X:N^+?\`ST_S$_\`3@OSF_\`NA/?NO=>_P"&KOBW
M_P`]/\Q/_3@OSF_^Z$]^Z]U[_AJ[XM_\]/\`,3_TX+\YO_NA/?NO=>_X:N^+
M?_/3_,3_`-."_.;_`.Z$]^Z]U[_AJ[XM_P#/3_,3_P!."_.;_P"Z$]^Z]T$?
M</\`)N^/O8M#UE2;=[*^4NVWV)WQU%V_DY-P?,[YI;YCS6)ZTW!)F*[;>*I\
MO\BXH]J9_-T\S14FX*2V4PTO[U(Z/>_NO="Y_P`-7?%O_GI_F)_Z<%^<_P#]
MT)[]U[KW_#5WQ;_YZ?YB?^G!?G-_]T)[]U[KW_#5WQ;_`.>G^8G_`*<%^<W_
M`-T)[]U[KW_#5WQ;_P">G^8G_IP7YS?_`'0GOW7NO?\`#5WQ;_YZ?YB?^G!?
MG-_]T)[]U[KW_#5WQ;_YZ?YB?^G!?G-_]T)[]U[KW_#5WQ;_`.>G^8G_`*<%
M^<W_`-T)[]U[KW_#5WQ;_P">G^8G_IP7YS?_`'0GOW7NO?\`#5WQ;_YZ?YB?
M^G!?G-_]T)[]U[KW_#5WQ;_YZ?YB?^G!?G-_]T)[]U[KW_#5WQ;_`.>G^8G_
M`*<%^<W_`-T)[]U[KW_#5WQ;_P">G^8G_IP7YS?_`'0GOW7N@@PO\FGX\XSO
M[LCM^H[)^4U3MS?'4O4W7..VG3_,[YGT&Y,/E.NMR]EYS*Y[)]CP?(C^\FZ,
M3GJ7>U%#1X:KU4&&EHJB>F59*^:WNO="_P#\-7?%O_GI_F)_Z<%^<W_W0GOW
M7NO?\-7?%O\`YZ?YB?\`IP7YS?\`W0GOW7NO?\-7?%O_`)Z?YB?^G!?G-_\`
M=">_=>Z]_P`-7?%O_GI_F)_Z<%^<W_W0GOW7NO?\-7?%O_GI_F)_Z<%^<W_W
M0GOW7NO?\-7?%O\`YZ?YB?\`IP7YS?\`W0GOW7NO?\-7?%O_`)Z?YB?^G!?G
M-_\`=">_=>Z]_P`-7?%O_GI_F)_Z<%^<W_W0GOW7NO?\-7?%O_GI_F)_Z<%^
M<W_W0GOW7NO?\-7?%O\`YZ?YB?\`IP7YS?\`W0GOW7NO?\-7?%O_`)Z?YB?^
MG!?G-_\`=">_=>ZSTO\`*V^+U)4T]5%N?YB>2FGBJ(_^Q@_SKC]<+K(G[D'R
M(AF3U+]4=6'X(//OW7N@4^//\F;X]].=(=:]5;H[+^4N[\WL/`U6&K-R;7^9
M?S-ZSP&5:HSV8S2SXS8.V_D.=O;7A097QF"B5(7=&E*^21V/NO=#)_PU=\6_
M^>G^8G_IP7YS?_=">_=>Z]_PU=\6_P#GI_F)_P"G!?G-_P#=">_=>Z]_PU=\
M6_\`GI_F)_Z<%^<W_P!T)[]U[KW_``U=\6_^>G^8G_IP7YS?_=">_=>Z]_PU
M=\6_^>G^8G_IP7YS?_=">_=>Z]_PU=\6_P#GI_F)_P"G!?G-_P#=">_=>Z]_
MPU=\6_\`GI_F)_Z<%^<W_P!T)[]U[KW_``U=\6_^>G^8G_IP7YS?_=">_=>Z
M]_PU=\6_^>G^8G_IP7YS?_=">_=>Z]_PU=\6_P#GI_F)_P"G!?G-_P#=">_=
M>Z]_PU=\6_\`GI_F)_Z<%^<W_P!T)[]U[H.]]?RCND<IN'H+=FPNPN_L/G.C
MODWTO\AXX>T_DS\I._MJ9Z/J?+9*OFVX=A=J=Y9W9--E\M39.1*/,34%758F
M6TL"ZBP;W7NK8O?NO=>]^Z]U[W[KW5;/\U3_`+)IZ\_\7>_EW?\`P<O0/OW7
MNK)O?NO=?__4V\_@U_S,K^9+_P"-!<__`/`F?$;W[KW5@OOW7NO>_=>Z][]U
M[KWOW7NJM:3MR%^U/YGNT.T_E!DNM>N.J-T?'*./=M1O+9&V*OI#;G8O2>R<
MQEL)MK+Y"BIJ+94N\LK5R+CZJN6?(FNR7EIYFG\!3W7NDQ\<=R;_`,_LWX^]
M.YOO^?M*#$=A=S=X]@]A4W9&W=\9W:G0?5/9F<I^IND>TNV=L3U6`[#WUB<S
ME<'B-SUXGCJ*R/;V3AK#4GS5=3[KW1<>T>[^R>K>A/YAN0VQ\A>P*W;6P=^_
M%7MGJ'O^7NS9_:>UJK:'=&Z=CX_<6SL#O>MZ^P-)LR3*U6"K*K*;9I*C*8K#
MXK=&..&KH8JSP0>Z]U8+\O\`?O9QR=7M/I>BR66W;TSTQVA\I,KAL>N?0;KW
M+M;:6[,'\?>L9WPDT'\4I]]=I139"HQKL!6T^VVB8-'*T<GNO=51;J[Q^7T\
M/863V%W#V#N#KO"_';IT=&S;<RKU/9.^?YB7<O7&VMRX;:GV><I:N'M#J;'Y
M*DAJ,_M6E=H=JQ[DK)ZJDCQ=)$<5[KW6R=1_>?9TO\0^V^_^V@^^^S\IH_O/
M$OW/VIG`F--YM6C7ZM-K\^_=>ZD^_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7N
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M'MJ;=.Q:E`LIL-RP5\E?^_X%EB]U[JV'W[KW7O?NO=>]^Z]U[W[KW7O?NO=>
M]^Z]U[W[KW1(OD-V!GMH?+#X!;7H>R*W;.W^S^P>^=K[DV"N1P=#C>QAAOCM
MOS>6&%935M(^;RU3MC+[?BJ8(*.>.-6<R2H^E"ONO=$TVAVUN3:^_OE%N+IO
MYBT_R/PF]MJ];;!ZJV)F.T^MNS<G'\H]]]D[RV)6]E[(Q&V*N<=3]*;;JZ^@
MPL^%DIHL54U>V,A40QPO%/4Y'W7NAAJ)MP]7_,3XM;2V5W-OKM#:LVT-X_'K
MMG95!W'A-P?W3W'MOJ/']@;3W_V3TF^T,@])YI-NRU63W6^X*+<`RFZ<;2/!
M5XRJC6'W7NF[JKO3>N:^$E>N%[3J>R^X^P/D?\C/C+UYO^KR6-R^23=,GR<[
M=Z^P>6KZK9^.BQ6._P!%W7N#DRK11TT,=+0X4(RDCU>Z]UP[%WSNCKWNKY6]
M.8#O?=>-Q'7/\L79G8>S\?7[EVM79SKC<&)SO?NU3V=3G+8FJKZC.Y"DVG03
M5V5S(KXIZFF0@(B^,^Z]T=CXD[OR/8/Q4^,V_<QGFW5E][?'WIG=N6W.]93Y
M&3<63W'USMS,9#.29"E`I:Z3+5=8\[31^B0R:EX(]^Z]T8/W[KW7O?NO=>]^
MZ]U[W[KW7O?NO=>]^Z]U[W[KW54V$[7P^5V7\_,5V[\K,YM+:_7/S2J.O%W=
MCNQ=C['W?M/;>:ZKZ!W%@^D=G[K\VW(-@Y+<FY-VU&*QDAJ(,T):YGBJTJI%
MJ(_=>Z;OB[NOLK=>U.C-H]E?)#%]A4OQRZEW=VMWKWC@=Y;'W%@,IN'<U?O;
M;/2^T=[[_P!OI0;2W3F.I>MZ?(UVY\D8OX?D\SB:7(5,7[X;W[KW0&T7<W8G
M7/4W<F'G[Q['7!]<?S#OBCCMC=W;D[BVSVCM;M;J#O\`[,Z'9^L\#VUE]G;:
MDGIH,=O'(+G\%3QU#XB>N2AQV5FQK011>Z]U9K49C+]C_*B/;6'S>6Q^S/CS
ML5\OO"+%5M11TF;[8[;HY:+:.#R]+-1O0YJ#9/7-)6Y5H2TD4=5GL?*P+Q`#
MW7NJC>M>YMQ]E?'SX2;ND_F`5.U^]&[!@R%6^ZN[.J<!M/=O6&VOEAO'8O9.
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M=B[GVO\`.'X4[!Q_9=7MW;7:/7_RY.9V%)6X.#"[IR.PMK]79K";BJ,;44T6
M<S&0V@V3J'415:TL$%2YDBU,)![KW1.>L^Q]T)1?)7`=0?,!_D5A^^=R]*];
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MMN;-XW$G^%TS;JK:9\E`*98X&I:N-HXXU(C7W7N@;_FJ?]DT]>?^+O?R[O\`
MX.7H'W[KW5DWOW7NO__5V\_@U_S,K^9+_P"-!<__`/`F?$;W[KW5@OOW7NO>
M_=>Z][]U[KWOW7NDK7;$V1E(MP4^3V;M7(P;L^T_O3#7;>Q%7%N7[!@]#_>"
M.HHY$S/V3J#%]R)/&1=;>_=>Z;]I=8=>;"K,K7;)V7MS:4V;H,/B\FFW<52X
MBDJ,=@)<Q/AZ%<?0QP4%-2T-1N"ND5(HD4RU<KM=G8GW7NI\>P]CQ8!]J1;,
MVI%M:29JB3;4>W<0F`>=IA4M.^&6C&.:9J@"0L8]1<:KWY]^Z]USQ&RMIX#<
M&YMU8;`X[&[BWDF"CW1EZ6'QUF9BVQ028O;T-9)<@P8>@F>.!%"H@=B!=F)]
MU[J91;7VUC7II<=MW!4$M%4Y.MHY*+$T%*])69MS)F:NF>"G1H*G+R$M52)9
MZAC>0L??NO=/GOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NL%52TU=35
M%%6T\%91U<$M-54E5#'44U333HT4]/402J\4T$T;%71@59201;W[KW2!R?4'
M5&9&'_BO6FPJY]NT<=!MR:HVC@7J=N4<,KSP4^WJHT'W."CIJB1I(OM'A\4A
MUI9N??NO=.M/U[L6FVUMK9R;0V[+M;9T.'@VK@JS$T5?C<`NWZ5:+"/BZ>NA
MJ%I:C%TJZ(9EM*@O9KDW]U[J3G=E;1W,]1-G]MX7*U55@\IMJ7(5>.IGR@P&
M;@EILMB(,H(QD:6@R$$S++'%*BMJN>>??NO=8TV+LQ-L8;93;5V_/M';U%A\
M=@]MUF)HJ[#8NBV_3PTN#@H\?60ST\*XFGIHUIR%O$$&DBWOW7NGRGQ6+I*_
M(92EQM!39/+"D7*Y&GHZ>&OR:T$3PT(R%7'&M16"BA=DA\C-XU)"V!]^Z]U/
M]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]TTY#`X/+5>*R&4PV)R5?@J
MF2LPE;D,=1UE7AJR6/PRU6*J:B&2;'U,D7I9X61BO!-O?NO=(:AZ3Z@Q6;QV
MY,/UCL7"YW%Y=L_1Y3![7P^%JQFVQF8PXRE3)BZ2D^^KHL;N"NBCDG\C1"JE
M*:6<GW[KW2WI]O8"CS.1W%28/#TNX,O!34N6SM/C**#,Y.FHD6.CI\CE(H%K
M:V"DC4+$DCLL8`"@>_=>Z3L?6'7D&5VUFZ79>W*')[/R>X,UMFIQ^+I<<,/F
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M61S<$'GW[KW6;`[/VSM>3<LV`PU%C)=X;BJ]V;HDIT8OG-QUU!CL759;(-*\
MAFJI<;B*6G_U*PT\:`!5`]^Z]TGY.H>IIJO#U\W5_7<M=MZI6LP%9)LK;3U>
M#K%JSD%JL/4-C#-C*E:]C.'A*,)CKOJY]^Z]T(GOW7NO>_=>Z][]U[KWOW7N
MO>_=>Z][]U[KWOW7NF_*XC%9['5>(SF,Q^9Q-?$8*[%Y6BILCCJV`L&,-715
MD<U-4Q%E!TNK"X]^Z]T@=U=*]0;W21=V]8;#S\CX27;2UF1VKA9LE3X":@JL
M7)B*'*_9C)8^A_AM=-`L<$L82*5E6P8^_=>Z5U7M/:V0CP<-?MK`5T6V9H*C
M;<=;A\?5)M^HI8!34U1A%GIY!BYZ>F'C1X/&RIZ00./?NO=-^?Z_V1NB#<M/
MG]J8')#>6VZS9VZIYL;3+79_:N0IY:2MV]E,E#''D*K$5%-.Z-`TOCLQL/?N
MO=.E7MC;>0HL9C*_;^$KL=A9Z"IP]!68JAJJ/$U.+"KC*C&TL\$D-#48X*!`
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MRI^`/?NO=.,,$--#%3T\,5/!#&L4,$,:10PQ(`J1Q1(%2.-%%@```/?NO=5O
M?S5/^R:>O/\`Q=[^7=_\'+T#[]U[JR;W[KW7_];9#ZI^<OQ1^(7R`^?'7/R5
M[FV_U!OG?WS1S78NQML[IQNYURF[]C2_%[XOXC^]&VXL?@JY,UB8,EMVNBFD
MIFE^W-,YET`7]^Z]T8O_`(>$_EK_`/>5NR?_`#P=@?\`V(>_=>Z]_P`/"?RU
M_P#O*W9/_G@[`_\`L0]^Z]U[_AX3^6O_`-Y6[)_\\'8'_P!B'OW7NO?\/"?R
MU_\`O*W9/_G@[`_^Q#W[KW7O^'A/Y:__`'E;LG_SP=@?_8A[]U[KW_#PG\M?
M_O*W9/\`YX.P/_L0]^Z]U[_AX3^6O_WE;LG_`,\'8'_V(>_=>Z]_P\)_+7_[
MRMV3_P">#L#_`.Q#W[KW7O\`AX3^6O\`]Y6[)_\`/!V!_P#8A[]U[KW_``\)
M_+7_`.\K=D_^>#L#_P"Q#W[KW7O^'A/Y:_\`WE;LG_SP=@?_`&(>_=>Z]_P\
M)_+7_P"\K=D_^>#L#_[$/?NO=>_X>$_EK_\`>5NR?_/!V!_]B'OW7NO?\/"?
MRU_^\K=D_P#G@[`_^Q#W[KW7O^'A/Y:__>5NR?\`SP=@?_8A[]U[KW_#PG\M
M?_O*W9/_`)X.P/\`[$/?NO=>_P"'A/Y:_P#WE;LG_P`\'8'_`-B'OW7NO?\`
M#PG\M?\`[RMV3_YX.P/_`+$/?NO=>_X>$_EK_P#>5NR?_/!V!_\`8A[]U[KW
M_#PG\M?_`+RMV3_YX.P/_L0]^Z]U[_AX3^6O_P!Y6[)_\\'8'_V(>_=>Z]_P
M\)_+7_[RMV3_`.>#L#_[$/?NO=>_X>$_EK_]Y6[)_P#/!V!_]B'OW7NO?\/"
M?RU_^\K=D_\`G@[`_P#L0]^Z]U[_`(>$_EK_`/>5NR?_`#P=@?\`V(>_=>Z]
M_P`/"?RU_P#O*W9/_G@[`_\`L0]^Z]U[_AX3^6O_`-Y6[)_\\'8'_P!B'OW7
MNO?\/"?RU_\`O*W9/_G@[`_^Q#W[KW7O^'A/Y:__`'E;LG_SP=@?_8A[]U[K
MW_#PG\M?_O*W9/\`YX.P/_L0]^Z]U[_AX3^6O_WE;LG_`,\'8'_V(>_=>Z]_
MP\)_+7_[RMV3_P">#L#_`.Q#W[KW7O\`AX3^6O\`]Y6[)_\`/!V!_P#8A[]U
M[KW_``\)_+7_`.\K=D_^>#L#_P"Q#W[KW7O^'A/Y:_\`WE;LG_SP=@?_`&(>
M_=>Z]_P\)_+7_P"\K=D_^>#L#_[$/?NO=>_X>$_EK_\`>5NR?_/!V!_]B'OW
M7NO?\/"?RU_^\K=D_P#G@[`_^Q#W[KW7O^'A/Y:__>5NR?\`SP=@?_8A[]U[
MKW_#PG\M?_O*W9/_`)X.P/\`[$/?NO=>_P"'A/Y:_P#WE;LG_P`\'8'_`-B'
MOW7NO?\`#PG\M?\`[RMV3_YX.P/_`+$/?NO=>_X>$_EK_P#>5NR?_/!V!_\`
M8A[]U[KW_#PG\M?_`+RMV3_YX.P/_L0]^Z]U[_AX3^6O_P!Y6[)_\\'8'_V(
M>_=>Z]_P\)_+7_[RMV3_`.>#L#_[$/?NO=>_X>$_EK_]Y6[)_P#/!V!_]B'O
MW7NO?\/"?RU_^\K=D_\`G@[`_P#L0]^Z]U[_`(>$_EK_`/>5NR?_`#P=@?\`
MV(>_=>Z]_P`/"?RU_P#O*W9/_G@[`_\`L0]^Z]U[_AX3^6O_`-Y6[)_\\'8'
M_P!B'OW7NO?\/"?RU_\`O*W9/_G@[`_^Q#W[KW7O^'A/Y:__`'E;LG_SP=@?
M_8A[]U[KW_#PG\M?_O*W9/\`YX.P/_L0]^Z]U[_AX3^6O_WE;LG_`,\'8'_V
M(>_=>Z]_P\)_+7_[RMV3_P">#L#_`.Q#W[KW7O\`AX3^6O\`]Y6[)_\`/!V!
M_P#8A[]U[KW_``\)_+7_`.\K=D_^>#L#_P"Q#W[KW7O^'A/Y:_\`WE;LG_SP
M=@?_`&(>_=>Z]_P\)_+7_P"\K=D_^>#L#_[$/?NO=>_X>$_EK_\`>5NR?_/!
MV!_]B'OW7NO?\/"?RU_^\K=D_P#G@[`_^Q#W[KW7O^'A/Y:__>5NR?\`SP=@
M?_8A[]U[KW_#PG\M?_O*W9/_`)X.P/\`[$/?NO=>_P"'A/Y:_P#WE;LG_P`\
M'8'_`-B'OW7NO?\`#PG\M?\`[RMV3_YX.P/_`+$/?NO=>_X>$_EK_P#>5NR?
M_/!V!_\`8A[]U[KW_#PG\M?_`+RMV3_YX.P/_L0]^Z]U[_AX3^6O_P!Y6[)_
M\\'8'_V(>_=>Z]_P\)_+7_[RMV3_`.>#L#_[$/?NO=>_X>$_EK_]Y6[)_P#/
M!V!_]B'OW7NO?\/"?RU_^\K=D_\`G@[`_P#L0]^Z]U[_`(>$_EK_`/>5NR?_
M`#P=@?\`V(>_=>Z)W\V?Y@7P]^477G3727Q_[LPG:/:N[/FO\#ZO;^RMNX#>
MIRV1HMI?+WIS>NYZY#6[8I*6&AP.U-N5U?532R)%#3TSLS#B_NO=7W>_=>Z_
M_]?;Y^;'^B/^]OQT_O=_LR/^EO\`O!V7_H9_V6'^)_WY\?\`<*?_`$E?Q3Q?
M[@/[N_W7\6O[[]S[KP?:_OV]^Z]T73G_`,'%?\F>_=>Z]S_X.*_Y,]^Z]U[G
M_P`'%?\`)GOW7NO<_P#@XK_DSW[KW7N?_!Q7_)GOW7NO<_\`@XK_`),]^Z]U
M[G_P<5_R9[]U[KW/_@XK_DSW[KW7N?\`P<5_R9[]U[KW/_@XK_DSW[KW7N?_
M``<5_P`F>_=>Z]S_`.#BO^3/?NO=>Y_\'%?\F>_=>Z]S_P"#BO\`DSW[KW7N
M?_!Q7_)GOW7NO<_^#BO^3/?NO=>Y_P#!Q7_)GOW7NO<_^#BO^3/?NO=>Y_\`
M!Q7_`"9[]U[KW/\`X.*_Y,]^Z]U[G_P<5_R9[]U[KW/_`(.*_P"3/?NO=>Y_
M\'%?\F>_=>Z]S_X.*_Y,]^Z]U[G_`,'%?\F>_=>Z]S_X.*_Y,]^Z]U[G_P`'
M%?\`)GOW7NO<_P#@XK_DSW[KW7N?_!Q7_)GOW7NO<_\`@XK_`),]^Z]U[G_P
M<5_R9[]U[KW/_@XK_DSW[KW7N?\`P<5_R9[]U[KW/_@XK_DSW[KW7N?_``<5
M_P`F>_=>Z]S_`.#BO^3/?NO=>Y_\'%?\F>_=>Z]S_P"#BO\`DSW[KW7N?_!Q
M7_)GOW7NO<_^#BO^3/?NO=>Y_P#!Q7_)GOW7NO<_^#BO^3/?NO=>Y_\`!Q7_
M`"9[]U[KW/\`X.*_Y,]^Z]U[G_P<5_R9[]U[KW/_`(.*_P"3/?NO=>Y_\'%?
M\F>_=>Z]S_X.*_Y,]^Z]U[G_`,'%?\F>_=>Z]S_X.*_Y,]^Z]U[G_P`'%?\`
M)GOW7NO<_P#@XK_DSW[KW7N?_!Q7_)GOW7NO<_\`@XK_`),]^Z]U[G_P<5_R
M9[]U[KW/_@XK_DSW[KW7N?\`P<5_R9[]U[KW/_@XK_DSW[KW7N?_``<5_P`F
M>_=>Z]S_`.#BO^3/?NO=>Y_\'%?\F>_=>Z]S_P"#BO\`DSW[KW7N?_!Q7_)G
MOW7NO<_^#BO^3/?NO=>Y_P#!Q7_)GOW7NO<_^#BO^3/?NO=>Y_\`!Q7_`"9[
M]U[KW/\`X.*_Y,]^Z]U[G_P<5_R9[]U[KW/_`(.*_P"3/?NO=>Y_\'%?\F>_
M=>Z]S_X.*_Y,]^Z]U[G_`,'%?\F>_=>ZR07^[H?^WPW_`!<<=_G]/VG_``.I
7_P#@=_U;O^5G_FQK]^Z]U<-[]U[K_]D_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>17
<FILENAME>g915197dsp339.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g915197dsp339.jpg
M_]C_X0P%17AI9@``34T`*@````@`"`$2``,````!``$```$:``4````!````
M;@$;``4````!````=@$H``,````!``(```$Q``(````>````?@$R``(````4
M````G`$[``(````)````L(=I``0````!````O````.@`+<;````G$``MQL``
M`"<0061O8F4@4&AO=&]S:&]P($-3-B`H5VEN9&]W<RD`,C`Q-3HP-3HP,B`P
M-3HQ,SHR-P!R<C$S-3DP,P```````Z`!``,````!__\``*`"``0````!```!
M,J`#``0````!````-P`````````&`0,``P````$`!@```1H`!0````$```$V
M`1L`!0````$```$^`2@``P````$``@```@$`!`````$```%&`@(`!`````$`
M``JW`````````$@````!````2`````'_V/_M``Q!9&]B95]#30`!_^X`#D%D
M;V)E`&2``````?_;`(0`#`@("`D(#`D)#!$+"@L1%0\,#`\5&!,3%1,3&!$,
M#`P,#`P1#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`$-"PL-#@T0#@X0
M%`X.#A04#@X.#A01#`P,#`P1$0P,#`P,#!$,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`P,#`P,_\``$0@`'0"@`P$B``(1`0,1`?_=``0`"O_$`3\```$%`0$!
M`0$!``````````,``0($!08'"`D*"P$``04!`0$!`0$``````````0`"`P0%
M!@<("0H+$``!!`$#`@0"!0<&"`4###,!``(1`P0A$C$%05%A$R)Q@3(&%)&A
ML4(C)!52P6(S-'*"T4,')9)3\.'Q8W,U%J*R@R9$DU1D1<*C=#87TE7B9?*S
MA,/3=>/S1B>4I(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]C='5V=WAY>GM\?7
MY_<1``("`0($!`,$!08'!P8%-0$``A$#(3$2!$%187$B$P4R@9$4H;%"(\%2
MT?`S)&+A<H*20U,58W,T\24&%J*R@P<F-<+21)-4HQ=D154V=&7B\K.$P]-U
MX_-&E*2%M)7$U.3TI;7%U>7U5F9VAI:FML;6YO8G-T=79W>'EZ>WQ__:``P#
M`0`"$0,1`#\`-];?K5U;HG4<?$P10:[<5N0]U]7JO+WW9+'?I'/:[;MI8LO#
M^NOUSS@XX.)1EM9H]U.&7@']W>U^S?\`\'_.*[]9<-V?]<^FX=;*[+;>G34V
MYH?7NKLS\GWUO?4QVYE+V,]7]%O_`)Q4!T?+ZWE9.%D7"W(Z:YE;Z;C<*Z[[
M*[[W8V-53;M:VEV';C^IAX?Z9_IVXU%M/O4\1#A%@;6;6'BLZZ(S_C#^LK;'
M5.9AML88>QV+#FGP>QU@>U>E?4[,NS^D8V=>&B[*QZ[K16-K-Q=<R65RYK/;
M6SZ*\[S^FYC^BOS<C(9EX-;&.KNO9;98RNVC[5A7XMV18_)95?D;>F>CZ_IL
MZA_@UWOU`_\`$UT__P`)U?\`5Y";D$>$&(K7HJ/%9LO3)+C?JUU+J_4<AM&9
MGV4NJ.5Z+7UU3E^G?;B-MW,K8WT>G-IK9;C4>AE6WV>MD_JSZ/7A3]9^OOZ;
M@9;VEC\YW3Q#J&AKAF$MR'85C<MV_P!+?5_265^C_A?5]?\`1Q+WM4ER-?7?
MK!;U&O`#'L+L6F\G[*TV5NNRKL-OVRG[7M;73176^_[/99_A\C^;_0JY]5NK
M=5ZG53D9QV,NQF7!II%;7O>YXW8EK<F][ZJZV?I675>I^FQKO\+Z22GHDER'
MUCZEUK"ZAU!V#?:*<3%Q<P$BEV/3NMRJ\M^6QS/MUN+]FP_4?7B>KD_SOH>_
M8JV5];>N4Y'5J6BHG`;U"VO?4YC?2Q&578Q9;ZCFY=KK;OL^937]"K]8_5?T
M?VQ*>X26#U',ZY59FU8#JK[\+$Q\EM-C0WU2Y^4S)K]7?^A==7B?J_\`@ZKO
MYSU*EG7_`%CZR6]*R:&S1UG[1?3CUU-LR&T,Q_M>$UN^^NA^5;LWW?F?I_LM
M?\U]HM2GKTERU6?]9[^IMZ?7EXC;+,3[6'G'?L:?6&,ZES!E;_95[_YW^E?\
M#[$&SKG7V4X]XMJL;?U1_3#4VCW[:KLG&-];W9+:][Z\=CW[V>G6_P!3_BTE
M/7I+GLSK.5C_`%:;<Y[F=5SA]FP6&IK+/M5V]N'5;COLOIKNI]KLK?=Z/Z*Y
M_P#-H'U4ZCG]3Z;=0ZY[2UKF'*>Z<C'R7%_J=-MIOI9Z^1TQOI/NR;J_2O\`
M6_F/224]0DO/L#ZS=<OM;B/LN=??CG!+FM835U;%<!U1K&LHV/\`U/\`RE5Z
MK_LOZ*W'J_T5=S,^MO5\#IV!U-PIR&=7P[,BK&VEIQWBMF339;8'N==@45V^
MEU"YVS])Z=]?H^IZ"2GM4ER>;UCKF#UC'Z,Z^NYU[\8G*%&W:R\9==U7I^LY
MGJ^KA>MBO_T'K5V^KZ'K6#K^LO6OMU=&0Z@8N/ENP,O,HJ+ZW7&RMF+ZE1N]
M;#Q\IEC\'UF?:?LW5Z[*K_T%7Z5*?__0K?7?+9A_6/%O<Q[G?LUK&^F]M9&^
M[-KL]UM.3[7TNLJ=[/\`"+'9]9G,<7L&8QY:UAL;EUA^VMKJJ?TPPO5W4UVV
MUU6[_5K]3^<7I.</JCOK_:SL,7;3Z/[0&%ZWI;[-NW[2[U?0]3U?25:/\7/[
MW1O\WIW_`)-31F``#"]-UAB2=)4^;?M/!^S'%;1E-H+&UBO[9+`UCGWT--?V
M;WLHR;;+V,=^>]>L_P"+_P#\373O_"=7_5Y"SX_Q=?O=&_S>G?\`DUT?0_L/
MHG[`6G&VL]#TA4*/3]^S[-]D)J]/U/5_MH9)6/E,=51%$ZVS;T#HC:ZJFX-#
M64%SJ&BMH%;GQZKJ8'Z)UNW])L_G$P^KO01$=/QQMV[8K;[?3+G4BO3]'Z+G
MN?5L_FUHI*)>T\?I'2\6SU<;$JIMV&KU*V!KMCG&Y]>]ONVON>ZYW_"_I$`_
M5KH0:UM>%52&%FTU,#"!78S+KK8Y@_1U_:*F6[*UII)*:5_1.D9&0[*R,.FV
M]Q:76OK:YQV?S6XN'N]+;^B_T:=O2.EMW;<2H;[G9+H8-;G@UVY!_P"&MK<Z
MNVS_``E?Z-ZN))*:>-T?I>)CVXN-BU4T7C;;6QH#7-CT]C_Y'I_H]G^C3/Z+
MTBQE%;\.DLQ&N9C#8/T37C:]F/\`Z%KVC9^C_P`'^C5U))33;T_I6&\9C**<
M=V/1Z#;PUK/3QV>_T-_M]/&KC?Z?\TL6W-^K+/J^.JW=.]/$&2;!1;4RM[<D
MV?8QE7>HYM6):Y_O^UY-M/ILL_3>G8M;KWV']E7?M'U/L7L^T^G/\WO9ZOK;
M/=]DV?T[\S['Z_J?HUDG]B_L:[]G_:_L'VO(]7[',3-OV_9/M^P[_7_FO\+_
M`$7]+Z:(KJI6;U/ZMU=/MZ7D=.<^FD?INFMI:\BQWV>X55U,<69&39E=2Q&>
MKBON_6\CU;+V?SZ/T[(^J]74*_V=C4LS[W##M=36UKVBNNZ[;;:-OJ8S?L%F
M-ZU/K5?:*?0_P/Z+-:/J\;<;["ZYM(R*#2`TNJ=5ZN'Z;<(V/8RO&^V_LGU'
M_I7^C_,5^A^D99^KO_-W?A_LOUO3G*^Q[HV;/U?UMT>[Z'H?9OM7Z[Z?J[_\
M(CZ:1JVF=<Z$QC<NR@8V(;GV8F8YC-MMD6LRLS'92;,EK&T^N^_.NIIJ^R;\
MCUOLOZ1#KS?J71DY/IMQZ[7,N9DO](AIK;ZUN8SU/3]'T7NQ,NRW9^CR+<;)
M_G+*;5GU_P#-G[)B?T[[%^E^R[]^S[!%'VC=/Z3]@_T+?Z_^#]+_`+1[TV<.
MA'IEGIG-;^@]Q@NL]+[/B?:!6+W,J^TNZ;ZON_,M_:?I^I=ZC$O3XJU=&EOU
M,+:,6O'I'KW356:7!S;JMV,Q]NZO?BOKV.Q\6R_TO]%C)8]WU*M^RWX].,#4
M:Z\4MH+-NZRAV*RMOI-_1_:.H8N1C_X/]8^UU?Z59SO^:GJOG[;ZWH7>OM]7
M=ZD=3]?UO3_[T/\`EGTO\#_H/^\]7:!T7_G'B$.M]><P8S7AVT7QC_:'.>YW
M_E?Z'[-8ROT?L/VCW_S2&GBK5__9_^T4+E!H;W1O<VAO<"`S+C``.$))300$
M``````!A'`%:``,;)4<<`@```JV<'`)0``AR<C$S-3DP,QP"!0!`36EC<F]S
M;V9T(%=O<F0@+2!(;W)I>F]N($)A;F-O<G`@+2!096]P;&5S($)A;F-O<G`@
M1F]R;2!3+30@2F]I;@`X0DE-!"4``````!!J<&'GB#["4`ZQ[%H&^-->.$))
M300Z``````#E````$`````$```````MP<FEN=$]U='!U=`````4`````4'-T
M4V)O;VP!`````$EN=&5E;G5M`````$EN=&4`````0VQR;0````]P<FEN=%-I
M>'1E96Y":71B;V]L``````MP<FEN=&5R3F%M951%6%0````!```````/<')I
M;G10<F]O9E-E='5P3V)J8P````P`4`!R`&\`;P!F`"``4P!E`'0`=0!P````
M```*<')O;V93971U<`````$`````0FQT;F5N=6T````,8G5I;'1I;E!R;V]F
M````"7!R;V]F0TU92P`X0DE-!#L``````BT````0`````0``````$G!R:6YT
M3W5T<'5T3W!T:6]N<P```!<`````0W!T;F)O;VP``````$-L8G)B;V]L````
M``!29W--8F]O;```````0W)N0V)O;VP``````$-N=$-B;V]L``````!,8FQS
M8F]O;```````3F=T=F)O;VP``````$5M;$1B;V]L``````!);G1R8F]O;```
M````0F-K9T]B:F,````!````````4D="0P````,`````4F0@(&1O=6)`;^``
M``````````!'<FX@9&]U8D!OX````````````$)L("!D;W5B0&_@````````
M````0G)D5%5N=$8C4FQT````````````````0FQD(%5N=$8C4FQT````````
M````````4G-L=%5N=$8C4'AL0'+````````````*=F5C=&]R1&%T86)O;VP!
M`````%!G4'-E;G5M`````%!G4',`````4&=00P````!,969T56YT1B-2;'0`
M``````````````!4;W`@56YT1B-2;'0```````````````!38VP@56YT1B-0
M<F-`60```````````!!C<F]P5VAE;E!R:6YT:6YG8F]O;``````.8W)O<%)E
M8W1";W1T;VUL;VYG``````````QC<F]P4F5C=$QE9G1L;VYG``````````UC
M<F]P4F5C=%)I9VAT;&]N9P`````````+8W)O<%)E8W14;W!L;VYG```````X
M0DE-`^T``````!`!+`````$``@$L`````0`".$))300F```````.````````
M`````#^````X0DE-!`T```````0```!X.$))3009```````$````'CA"24T#
M\P``````"0```````````0`X0DE-)Q````````H``0`````````".$))30/U
M``````!(`"]F9@`!`&QF9@`&```````!`"]F9@`!`*&9F@`&```````!`#(`
M```!`%H````&```````!`#4````!`"T````&```````!.$))30/X``````!P
M``#_____________________________`^@`````____________________
M_________P/H`````/____________________________\#Z`````#_____
M________________________`^@``#A"24T$"```````$`````$```)````"
M0``````X0DE-!!X```````0`````.$))300:``````-1````!@``````````
M````-P```3(````.`#D`,0`U`#$`.0`W`%\`,``P`#$`+0`S`#,`.0````$`
M`````````````````````````0`````````````!,@```#<`````````````
M`````````0`````````````````````````0`````0```````&YU;&P````"
M````!F)O=6YD<T]B:F,````!````````4F-T,0````0`````5&]P(&QO;F<`
M`````````$QE9G1L;VYG``````````!"=&]M;&]N9P```#<`````4F=H=&QO
M;F<```$R````!G-L:6-E<U9L3',````!3V)J8P````$```````5S;&EC90``
M`!(````'<VQI8V5)1&QO;F<`````````!V=R;W5P241L;VYG``````````9O
M<FEG:6YE;G5M````#$53;&EC94]R:6=I;@````UA=71O1V5N97)A=&5D````
M`%1Y<&5E;G5M````"D53;&EC951Y<&4`````26UG(`````9B;W5N9'-/8FIC
M`````0```````%)C=#$````$`````%1O<"!L;VYG``````````!,969T;&]N
M9P``````````0G1O;6QO;F<````W`````%)G:'1L;VYG```!,@````-U<FQ4
M15A4`````0```````&YU;&Q415A4`````0```````$US9V5415A4`````0``
M````!F%L=%1A9U1%6%0````!```````.8V5L;%1E>'1)<TA434QB;V]L`0``
M``AC96QL5&5X=%1%6%0````!```````):&]R>D%L:6=N96YU;0````]%4VQI
M8V5(;W)Z06QI9VX````'9&5F875L=`````EV97)T06QI9VYE;G5M````#T53
M;&EC959E<G1!;&EG;@````=D969A=6QT````"V)G0V]L;W)4>7!E96YU;0``
M`!%%4VQI8V5"1T-O;&]R5'EP90````!.;VYE````"71O<$]U='-E=&QO;F<`
M````````"FQE9G1/=71S971L;VYG``````````QB;W1T;VU/=71S971L;VYG
M``````````MR:6=H=$]U='-E=&QO;F<``````#A"24T$*```````#`````(_
M\````````#A"24T$$0```````0$`.$))3004```````$`````CA"24T$#```
M```*TP````$```"@````'0```>```#9@```*MP`8``'_V/_M``Q!9&]B95]#
M30`!_^X`#D%D;V)E`&2``````?_;`(0`#`@("`D(#`D)#!$+"@L1%0\,#`\5
M&!,3%1,3&!$,#`P,#`P1#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`$-
M"PL-#@T0#@X0%`X.#A04#@X.#A01#`P,#`P1$0P,#`P,#!$,#`P,#`P,#`P,
M#`P,#`P,#`P,#`P,#`P,#`P,_\``$0@`'0"@`P$B``(1`0,1`?_=``0`"O_$
M`3\```$%`0$!`0$!``````````,``0($!08'"`D*"P$``04!`0$!`0$`````
M`````0`"`P0%!@<("0H+$``!!`$#`@0"!0<&"`4###,!``(1`P0A$C$%05%A
M$R)Q@3(&%)&AL4(C)!52P6(S-'*"T4,')9)3\.'Q8W,U%J*R@R9$DU1D1<*C
M=#87TE7B9?*SA,/3=>/S1B>4I(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]C='
M5V=WAY>GM\?7Y_<1``("`0($!`,$!08'!P8%-0$``A$#(3$2!$%187$B$P4R
M@9$4H;%"(\%2T?`S)&+A<H*20U,58W,T\24&%J*R@P<F-<+21)-4HQ=D154V
M=&7B\K.$P]-UX_-&E*2%M)7$U.3TI;7%U>7U5F9VAI:FML;6YO8G-T=79W>'
MEZ>WQ__:``P#`0`"$0,1`#\`-];?K5U;HG4<?$P10:[<5N0]U]7JO+WW9+'?
MI'/:[;MI8LO#^NOUSS@XX.)1EM9H]U.&7@']W>U^S?\`\'_.*[]9<-V?]<^F
MX=;*[+;>G34VYH?7NKLS\GWUO?4QVYE+V,]7]%O_`)Q4!T?+ZWE9.%D7"W(Z
M:YE;Z;C<*Z[[*[[W8V-53;M:VEV';C^IAX?Z9_IVXU%M/O4\1#A%@;6;6'BL
MZZ(S_C#^LK;'5.9AML88>QV+#FGP>QU@>U>E?4[,NS^D8V=>&B[*QZ[K16-K
M-Q=<R65RYK/;6SZ*\[S^FYC^BOS<C(9EX-;&.KNO9;98RNVC[5A7XMV18_)9
M5?D;>F>CZ_ILZA_@UWOU`_\`$UT__P`)U?\`5Y";D$>$&(K7HJ/%9LO3)+C?
MJUU+J_4<AM&9GV4NJ.5Z+7UU3E^G?;B-MW,K8WT>G-IK9;C4>AE6WV>MD_JS
MZ/7A3]9^OOZ;@9;VEC\YW3Q#J&AKAF$MR'85C<MV_P!+?5_265^C_A?5]?\`
M1Q+WM4ER-?7?K!;U&O`#'L+L6F\G[*TV5NNRKL-OVRG[7M;73176^_[/99_A
M\C^;_0JY]5NK=5ZG53D9QV,NQF7!II%;7O>YXW8EK<F][ZJZV?I675>I^FQK
MO\+Z22GHDER'UCZEUK"ZAU!V#?:*<3%Q<P$BEV/3NMRJ\M^6QS/MUN+]FP_4
M?7B>KD_SOH>_8JV5];>N4Y'5J6BHG`;U"VO?4YC?2Q&578Q9;ZCFY=KK;OL^
M937]"K]8_5?T?VQ*>X26#U',ZY59FU8#JK[\+$Q\EM-C0WU2Y^4S)K]7?^A=
M=7B?J_\`@ZKOYSU*EG7_`%CZR6]*R:&S1UG[1?3CUU-LR&T,Q_M>$UN^^NA^
M5;LWW?F?I_LM?\U]HM2GKTERU6?]9[^IMZ?7EXC;+,3[6'G'?L:?6&,ZES!E
M;_95[_YW^E?\#[$&SKG7V4X]XMJL;?U1_3#4VCW[:KLG&-];W9+:][Z\=CW[
MV>G6_P!3_BTE/7I+GLSK.5C_`%:;<Y[F=5SA]FP6&IK+/M5V]N'5;COLOIKN
MI]KLK?=Z/Z*Y_P#-H'U4ZCG]3Z;=0ZY[2UKF'*>Z<C'R7%_J=-MIOI9Z^1TQ
MOI/NR;J_2O\`6_F/224]0DO/L#ZS=<OM;B/LN=??CG!+FM835U;%<!U1K&LH
MV/\`U/\`RE5ZK_LOZ*W'J_T5=S,^MO5\#IV!U-PIR&=7P[,BK&VEIQWBMF33
M9;8'N==@45V^EU"YVS])Z=]?H^IZ"2GM4ER>;UCKF#UC'Z,Z^NYU[\8G*%&W
M:R\9==U7I^LYGJ^KA>MBO_T'K5V^KZ'K6#K^LO6OMU=&0Z@8N/ENP,O,HJ+Z
MW7&RMF+ZE1N];#Q\IEC\'UF?:?LW5Z[*K_T%7Z5*?__0K?7?+9A_6/%O<Q[G
M?LUK&^F]M9&^[-KL]UM.3[7TNLJ=[/\`"+'9]9G,<7L&8QY:UAL;EUA^VMKJ
MJ?TPPO5W4UVVUU6[_5K]3^<7I.</JCOK_:SL,7;3Z/[0&%ZWI;[-NW[2[U?0
M]3U?25:/\7/[W1O\WIW_`)-31F``#"]-UAB2=)4^;?M/!^S'%;1E-H+&UBO[
M9+`UCGWT--?V;WLHR;;+V,=^>]>L_P"+_P#\373O_"=7_5Y"SX_Q=?O=&_S>
MG?\`DUT?0_L/HG[`6G&VL]#TA4*/3]^S[-]D)J]/U/5_MH9)6/E,=51%$ZVS
M;T#HC:ZJFX-#64%SJ&BMH%;GQZKJ8'Z)UNW])L_G$P^KO01$=/QQMV[8K;[?
M3+G4BO3]'Z+GN?5L_FUHI*)>T\?I'2\6SU<;$JIMV&KU*V!KMCG&Y]>]ONVO
MN>ZYW_"_I$`_5KH0:UM>%52&%FTU,#"!78S+KK8Y@_1U_:*F6[*UII)*:5_1
M.D9&0[*R,.FV]Q:76OK:YQV?S6XN'N]+;^B_T:=O2.EMW;<2H;[G9+H8-;G@
MUVY!_P"&MK<ZNVS_``E?Z-ZN))*:>-T?I>)CVXN-BU4T7C;;6QH#7-CT]C_Y
M'I_H]G^C3/Z+TBQE%;\.DLQ&N9C#8/T37C:]F/\`Z%KVC9^C_P`'^C5U))33
M;T_I6&\9C**<=V/1Z#;PUK/3QV>_T-_M]/&KC?Z?\TL6W-^K+/J^.JW=.]/$
M&2;!1;4RM[<DV?8QE7>HYM6):Y_O^UY-M/ILL_3>G8M;KWV']E7?M'U/L7L^
MT^G/\WO9ZOK;/=]DV?T[\S['Z_J?HUDG]B_L:[]G_:_L'VO(]7[',3-OV_9/
MM^P[_7_FO\+_`$7]+Z:(KJI6;U/ZMU=/MZ7D=.<^FD?INFMI:\BQWV>X55U,
M<69&39E=2Q&>KBON_6\CU;+V?SZ/T[(^J]74*_V=C4LS[W##M=36UKVBNNZ[
M;;:-OJ8S?L%F-ZU/K5?:*?0_P/Z+-:/J\;<;["ZYM(R*#2`TNJ=5ZN'Z;<(V
M/8RO&^V_LGU'_I7^C_,5^A^D99^KO_-W?A_LOUO3G*^Q[HV;/U?UMT>[Z'H?
M9OM7Z[Z?J[_\(CZ:1JVF=<Z$QC<NR@8V(;GV8F8YC-MMD6LRLS'92;,EK&T^
MN^_.NIIJ^R;\CUOLOZ1#KS?J71DY/IMQZ[7,N9DO](AIK;ZUN8SU/3]'T7NQ
M,NRW9^CR+<;)_G+*;5GU_P#-G[)B?T[[%^E^R[]^S[!%'VC=/Z3]@_T+?Z_^
M#]+_`+1[TV<.A'IEGIG-;^@]Q@NL]+[/B?:!6+W,J^TNZ;ZON_,M_:?I^I=Z
MC$O3XJU=&EOU,+:,6O'I'KW356:7!S;JMV,Q]NZO?BOKV.Q\6R_TO]%C)8]W
MU*M^RWX].,#4:Z\4MH+-NZRAV*RMOI-_1_:.H8N1C_X/]8^UU?Z59SO^:GJO
MG[;ZWH7>OM]7=ZD=3]?UO3_[T/\`EGTO\#_H/^\]7:!T7_G'B$.M]><P8S7A
MVT7QC_:'.>YW_E?Z'[-8ROT?L/VCW_S2&GBK5__9`#A"24T$(0``````50``
M``$!````#P!!`&0`;P!B`&4`(`!0`&@`;P!T`&\`<P!H`&\`<````!,`00!D
M`&\`8@!E`"``4`!H`&\`=`!O`',`:`!O`'``(`!#`%,`-@````$`.$))300&
M```````'``@````!`0#_X1&W:'1T<#HO+VYS+F%D;V)E+F-O;2]X87`O,2XP
M+P`\/WAP86-K970@8F5G:6X](N^[OR(@:60](E<U33!-<$-E:&E(>G)E4WI.
M5&-Z:V,Y9"(_/B`\>#IX;7!M971A('AM;&YS.G@](F%D;V)E.FYS.FUE=&$O
M(B!X.GAM<'1K/2)!9&]B92!835`@0V]R92`U+C,M8S`Q,2`V-BXQ-#4V-C$L
M(#(P,3(O,#(O,#8M,30Z-38Z,C<@("`@("`@("(^(#QR9&8Z4D1&('AM;&YS
M.G)D9CTB:'1T<#HO+W=W=RYW,RYO<F<O,3DY.2\P,B\R,BUR9&8M<WEN=&%X
M+6YS(R(^(#QR9&8Z1&5S8W)I<'1I;VX@<F1F.F%B;W5T/2(B('AM;&YS.F1C
M/2)H='1P.B\O<'5R;"YO<F<O9&,O96QE;65N=',O,2XQ+R(@>&UL;G,Z>&UP
M/2)H='1P.B\O;G,N861O8F4N8V]M+WAA<"\Q+C`O(B!X;6QN<SIP9&8](FAT
M='`Z+R]N<RYA9&]B92YC;VTO<&1F+S$N,R\B('AM;&YS.GAM<$U-/2)H='1P
M.B\O;G,N861O8F4N8V]M+WAA<"\Q+C`O;6TO(B!X;6QN<SIS=$5V=#TB:'1T
M<#HO+VYS+F%D;V)E+F-O;2]X87`O,2XP+W-4>7!E+U)E<V]U<F-E179E;G0C
M(B!X;6QN<SIS=%)E9CTB:'1T<#HO+VYS+F%D;V)E+F-O;2]X87`O,2XP+W-4
M>7!E+U)E<V]U<F-E4F5F(R(@>&UL;G,Z<&1F>#TB:'1T<#HO+VYS+F%D;V)E
M+F-O;2]P9&9X+S$N,R\B('AM;&YS.G!H;W1O<VAO<#TB:'1T<#HO+VYS+F%D
M;V)E+F-O;2]P:&]T;W-H;W`O,2XP+R(@9&,Z9F]R;6%T/2)I;6%G92]J<&5G
M(B!X;7`Z0W)E871E1&%T93TB,C`Q-2TP-2TP,50Q-CHR-3HQ,BTP-3HP,"(@
M>&UP.D-R96%T;W)4;V]L/2)4;V]L:VET(&AT='`Z+R]W=W<N86-T:79E<&1F
M+F-O;2(@>&UP.DUE=&%D871A1&%T93TB,C`Q-2TP-2TP,E0P-3HQ,SHR-RLP
M-3HS,"(@>&UP.DUO9&EF>41A=&4](C(P,34M,#4M,#)4,#4Z,3,Z,C<K,#4Z
M,S`B('!D9CI0<F]D=6-E<CTB5&]O;&MI="!H='1P.B\O=W=W+F%C=&EV97!D
M9BYC;VTB('AM<$U-.D1O8W5M96YT240](GAM<"YD:60Z-3<T1D0S.30U0D8P
M130Q,3@V03$X.#DX.3)%139$1C4B('AM<$U-.DEN<W1A;F-E240](GAM<"YI
M:60Z-3@T1D0S.30U0D8P130Q,3@V03$X.#DX.3)%139$1C4B('AM<$U-.D]R
M:6=I;F%L1&]C=6UE;G1)1#TB=75I9#HP,F)E9#5E92UE-F-A+30Y-V$M8F4X
M9"UD-F0V,V1F.64T-3(B('!D9G@Z05!42U9%4CTB-2XU+C`N,34P,C@@4')O
M(%!R;V1U8W1I;VXM,S(B('!H;W1O<VAO<#I#;VQO<DUO9&4](C,B/B`\9&,Z
M=&ET;&4^(#QR9&8Z06QT/B`\<F1F.FQI('AM;#IL86YG/2)X+61E9F%U;'0B
M/DUI8W)O<V]F="!7;W)D("T@2&]R:7IO;B!"86YC;W)P("T@4&5O<&QE<R!"
M86YC;W)P($9O<FT@4RTT($IO:6YT(%!R;WAY(%-T871E;65N="U0<F]S<&5C
M='5S+F1O8W@\+W)D9CIL:3X@/"]R9&8Z06QT/B`\+V1C.G1I=&QE/B`\9&,Z
M8W)E871O<CX@/')D9CI397$^(#QR9&8Z;&D^<G(Q,S4Y,#,\+W)D9CIL:3X@
M/"]R9&8Z4V5Q/B`\+V1C.F-R96%T;W(^(#QX;7!-33I(:7-T;W)Y/B`\<F1F
M.E-E<3X@/')D9CIL:2!S=$5V=#IA8W1I;VX](F-O;G9E<G1E9"(@<W1%=G0Z
M<&%R86UE=&5R<STB9G)O;2!A<'!L:6-A=&EO;B]P9&8@=&\@87!P;&EC871I
M;VXO=FYD+F%D;V)E+G!H;W1O<VAO<"(O/B`\<F1F.FQI('-T179T.F%C=&EO
M;CTB<V%V960B('-T179T.FEN<W1A;F-E240](GAM<"YI:60Z-3<T1D0S.30U
M0D8P130Q,3@V03$X.#DX.3)%139$1C4B('-T179T.G=H96X](C(P,34M,#4M
M,#)4,#4Z,3,Z,C<K,#4Z,S`B('-T179T.G-O9G1W87)E06=E;G0](D%D;V)E
M(%!H;W1O<VAO<"!#4S8@*%=I;F1O=W,I(B!S=$5V=#IC:&%N9V5D/2(O(B\^
M(#QR9&8Z;&D@<W1%=G0Z86-T:6]N/2)C;VYV97)T960B('-T179T.G!A<F%M
M971E<G,](F9R;VT@87!P;&EC871I;VXO<&1F('1O(&EM86=E+VIP96<B+SX@
M/')D9CIL:2!S=$5V=#IA8W1I;VX](F1E<FEV960B('-T179T.G!A<F%M971E
M<G,](F-O;G9E<G1E9"!F<F]M(&%P<&QI8V%T:6]N+W9N9"YA9&]B92YP:&]T
M;W-H;W`@=&\@:6UA9V4O:G!E9R(O/B`\<F1F.FQI('-T179T.F%C=&EO;CTB
M<V%V960B('-T179T.FEN<W1A;F-E240](GAM<"YI:60Z-3@T1D0S.30U0D8P
M130Q,3@V03$X.#DX.3)%139$1C4B('-T179T.G=H96X](C(P,34M,#4M,#)4
M,#4Z,3,Z,C<K,#4Z,S`B('-T179T.G-O9G1W87)E06=E;G0](D%D;V)E(%!H
M;W1O<VAO<"!#4S8@*%=I;F1O=W,I(B!S=$5V=#IC:&%N9V5D/2(O(B\^(#PO
M<F1F.E-E<3X@/"]X;7!-33I(:7-T;W)Y/B`\>&UP34TZ1&5R:79E9$9R;VT@
M<W12968Z:6YS=&%N8V5)1#TB>&UP+FEI9#HU-S1&1#,Y-#5"1C!%-#$Q.#9!
M,3@X.3@Y,D5%-D1&-2(@<W12968Z9&]C=6UE;G1)1#TB>&UP+F1I9#HU-S1&
M1#,Y-#5"1C!%-#$Q.#9!,3@X.3@Y,D5%-D1&-2(@<W12968Z;W)I9VEN86Q$
M;V-U;65N=$E$/2)U=6ED.C`R8F5D-65E+64V8V$M-#DW82UB93AD+60V9#8S
M9&8Y930U,B(O/B`\+W)D9CI$97-C<FEP=&EO;CX@/"]R9&8Z4D1&/B`\+W@Z
M>&UP;65T83X@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`\/WAP86-K970@96YD
M/2)W(C\^_^X`#D%D;V)E`&1``````?_;`(0``0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0("`@("`@("`@("`P,#`P,#`P,#
M`P$!`0$!`0$!`0$!`@(!`@(#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#`P,#`P,#`P,#`P,#_\``$0@`-P$R`P$1``(1`0,1`?_=``0`
M)__$`:(````&`@,!``````````````<(!@4$"0,*`@$`"P$```8#`0$!````
M````````!@4$`P<""`$)``H+$``"`0,$`0,#`@,#`P(&"74!`@,$$042!B$'
M$R(`"#$403(C%0E10A9A)#,74G&!&&*1)4.AL?`F-'(*&<'1-2?A4S:"\9*B
M1%1S148W1V,H5597&K+"TN+R9(-TDX1EH[/#T^,I.&;S=2HY.DA)2EA96F=H
M:6IV=WAY>H6&AXB)BI25EI>8F9JDI::GJ*FJM+6VM[BYNL3%QL?(R<K4U=;7
MV-G:Y.7FY^CIZO3U]O?X^?H1``(!`P($!`,%!`0$!@8%;0$"`Q$$(1(%,08`
M(A-!40<R811Q"$*!(Y$54J%B%C,)L23!T4-R\!?A@C0EDE,88T3QHK(F-1E4
M-D5D)PIS@Y-&=,+2XO)59756-X2%H[/#T^/S*1J4I+3$U.3TE:6UQ=7E]2A'
M5V8X=H:6IK;&UN;V9W>'EZ>WQ]?G]TA8:'B(F*BXR-CH^#E)66EYB9FIN<G9
MZ?DJ.DI::GJ*FJJZRMKJ^O_:``P#`0`"$0,1`#\`O5^47RRZ\^'71'R#^6GR
M%RWRCW_MO!_-K>'1.(VMU%VYG<)587&Y'(54N#_A^%J-P8?#P8C'O3.C*K!U
M4KI%@03G:-DN=YW#]VV\J+-X>NK5I3TP":_E3I)?7D.WVTMW<&D24K^9IY_;
MU5G_`-!'GP!-K=5_S)^;?\UH(M<7L0>Q`;CV*_\`6VWDD*MU`6/^G_Z`Z#+\
M[[*C49GIZX_S]>_Z"//@%_SZK^9/_P"CJ_\`TB>[CVPY@)`\6#]K?]`]>_KU
MR^?]';_>?]GKW_01Y\`?^?5_S)O_`$=7_$?Z1+^W?]:OF#_E(M_VM_T#TR/<
M#EXS&'Q7KZTQ_AZ]_P!!'GP!_P"?5_S)_P#T=)_^V)[I_K7[[_RE6W^]-_T#
MTJ_KML'_`"E']G4>K_X4@_R_Z>FJ*B3JG^92R4\,LY"]T,6;Q1N^E0.PR/4%
ML2>`#?WX>UO,Q69AX)5%KQ.1\NWK4G.NS1F$:V(D:@^$<?6I'6RU\/MSXO=^
M[MF;XV;G.V9-@]T?$OK7N[#[3[4WUG=Y9';M1O3.U4D,;C+9'(P4>1CQ?CBG
M,#:&8&Q(]Q[<V\UI<36MPFF:-B"/0CH5QR)+&DL;51A4'Y'JQQ18`>V.K]=^
M_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[
MKWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_
M=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z__T#J?
MSW03_*:^3MPO'\U*;\`_3+Y361<?E;B_U()'N1/;]B.<$TH6;Z4T%/Z/_%]!
MKFYT3ER)9,L=(;TKJKQ^P=:,U3+!&Q>HFAIH7=5\\[)#%J9=2J97L@8):X_`
M]S\#([!6@`!QDZ?Y^7V]0K)X/BH8XDU`XIG^7G]G0_\`1/Q6^2/R:J&BZ*Z4
MWCO['0M3"MWB:#^ZW7>#BJZO[&FK=R;_`-T_PK;&,Q<]?:`57F>G2=E622/4
MI)7?;KM>WG1<0C7P`635GRX>O1]9;)NFX`/;QQ".E22`M!YG/IYU(Z-0G\L+
MM'*29#:>P_D1\0>S>[L%"C[BZ!VGW9@Z;>U'-XIIZO&XC,9M:';V8R^'CIID
MRD7G2*F>)4BDDDE0%'^_+0?\LZ:OY]+_`.KER812]L/']=:_YNB.=K=0=L=$
M[D_N?W=UEO?J;<LL_B@Q>_-MY#;RU,K0+5)%09*MA7$5YDHY%F7PU#GQ.I;2
M3;VNM9]IOIEM[2%I)3Z/BOV]!^\L]TL`QNXT0`5)TUI\_L^?05Y=2V%R;*`H
M?&5974H#%):*JT-:Q])*_7Z7]F$BI;27UG(CB81'`>H`IPK\NDEV8A'M=P8`
M4:5:$>9)&:>0Z^K?_+D_X\GXB_\`C,OXW_U/_*4_]>?>*6]4_>VX::T\5N)J
M>/KUD!MU/H+/2M%\-<?EU:[?_7_VQ_WOZ>RSI;UZY_H?]X_XK[]U[KO_`&!'
M^V_X@GW[KW7KV^OOW7NNK_T!/^^_J;#W[KW7?OW7NO>_=>Z]_L#_`+Q_Q7W[
MKW7O?NO=<2UOJ#_O'_%??NO==@@_0^_=>Z\6`_XI^??NO=>#`_3_`&W%_?NO
M=>O_`%X/]#;_`(K[]U[KQ-K<$W-N/Q_B?\/?NO==_P"^^E_]Z]^Z]UQ#`FW/
M'OW7NN7OW7NNB;"_OW7NN@U^;&W]>/\`BOOW7NN5P?H;^_=>ZXA@?H#_`+Q_
MQ7W[KW7=Q_L?Z>_=>Z]?_`_[Q_Q7W[KW7KG^A_WC_BOOW7NO7_P/^V_XD<>_
M=>Z[_P!@1_MO^()]^Z]UT#P">+_UX/OW7NO7!^A'OW7NNM0O;GW[KW7M0O;F
M_P#OC[]U[KE[]U[K_]$Z_P#/:!/\ISY.`"[-_-4F518D-JS.2#`A>>4)_KS^
M/<@<A/<Q\X1O:+6<6IIP_@SQ^5>@ISDT1V!7<:HE92?LSUK"?%3</1O5VS<'
MV!N;JD=B;_J8]R9*NR/8/PW[;[_Z^Q-'C?-2R4^`W#AMX8#8E?C,%21I5U%=
M'"E11U@#/,JJR^Y4W)+V\F:QO;IE,D=2JUJ4\R&':/S(Z!NRIM;P1;G:I'XJ
M-J34RCN7^)"=7KC3GRZ$#N_MK?GR?H,?!VM\P/F5GMEY1:M,#L3K_P""^^NO
M>JI:6;&055=1[>V;LK+8O;V<AFPM%!/7M&E0E=%$M3.'(,A;LH+;;@RI:>*5
M-*ODX\P?.GJ*CI9>!K]AXFZ1QEP<(RC!&016B@CU`(/H>BGS?'WX[XZJVW1#
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MI6O!JTJ:$]!3>DA>SVZ=`FEKFH"D&G=PH#50.`J!U],K^7,+;*^(HO>W\LOX
MWB_]2*EKG_8GWC)N,@EO[R134&5O\)ZFZS&FTME](U_P#I7?S;_D3W]\/_@G
MWI\KOCOE^O8-Y=`;:'8&0VQV?M+*[KVMOG`T]?0XO(;>:3";FVSE=OUJ1Y`U
M,%3#)())85B=51S(B/I3T0^3YV_/+L+J/X?=1?&G<?07:O\`,8[ZZ]ZU^17=
M6`K^K=V1_%_XP_'WM7:%!N6ESO=>X,3O5=T[0EH35FGVQ1K53[@W;6+(T5`*
M.%YD]U[HTG?OSS[S^%G9?PP^-7871V1^57:'R[R6X=C;1[>ZUS^S.EMBU?:V
MV,;7;KS^V\ULC=.7W#EMGX/';0A^YI:\5F12JCA<,%E!7W[KW2HW]\_>_P#J
M;"_(G*=J_`;LK:_^@/XX9;Y.TN2QW<'7&Z-C]E;.VAD*JFW_`+/VWOB@I8Z#
M#=G[6PM&^3BQ&2AIAD:?3XIAJ!]^Z]T'G7_\SWO7LGXT=1_,';/\N[MK.=!]
MOT/66Z,55[7[EZXW/VGB>O>S]PXC!X_>]9U3C:<9.OBP5%F8LE7T5#55-1#0
M*\@#+')H]U[IQV?_`#/>U.R_F%\MOA1U5\*=R;N[,^'$O7U3V'GLEWSUWM;9
MV=VWVQC9<[USGMJU^2QD^3JY<U@8)*BJI*BEIY:&1#$Y=[7]U[I`8[^;?WE7
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M>Z]T>O</\Z!\5U5_++[2VQ\2>P-\TO\`,_I=DX+JO'4W8^R-KS;([7WEA(LX
MFR=WON**G+;<BHO+/!G*<215$$1<P(S1J_NO=/\`6_SBJ/#P?.#8^Y_BGVIM
M3Y1?`?KD=Z=M_'+-;QV7'/OGX]QT,F:K>Y>CNTJ%ZS:._,-1X&)I6HJM<35F
MJ*TI"RD@>Z]T/&ROY@6Z]_\`\MU?YB^"^,6YWQ.0Z=J_D'MWI&7LW946^L[T
MW38'^]Z;@7<+4Z;4QVY:G9\4M='B99B2RK`9UE:P]U[HN7R$_G!;H^+FV_AA
MV#W)\+-^[9ZG^9F5ZSVQCNW1W+U[5=?=%[R[4K*%]M;?[VSC4<4&T8I-N9!<
ME_$8Q58^005$(F\D#^_=>Z.3V5\S-S;:^:/77PPZTZ+R?<NXMV=1Y7N;L#?^
M)[#P&VML]%[,HL[)MK!U'9U!6XO(Y2DE[`S,;P;?CIEGGRK4U6T<*PT4\J^Z
M]T4KXW?S6.\/ESC?DI7='_R^=]YJ?XK]X=E?'3L?&;A^1'4VTJS(=K]745/5
M;BPVT&JZ>2FS&,J/OZ9**OFDI8)GG!8HJLP]U[I#]F?SI][]9=(=[?)?)?R[
M_D53=#?&W:'7V8[:WGO/?/6NP,[C]Z;OQ>UZS<O6NUMCYFK;/[KRG6^1W=24
M61R$(BQTTQ9H97`Y]U[I8YG^:Y\B\)W7UG\?F_E@=^9CL?NG96`['ZGK-N]O
M]0Y;K;<.PJZH$.Z<[N/L;[FGPNQ:S844]/+7T&01*V6.IC:G2965F]U[I&==
M_P`ZC?\`VC@.[MX;4_E[=S9?9WQH^6'^R>=]9/#=N=79C-[&[%I-Q[0VWFMQ
MX_:="[YK>&P<!4;WH9ZNNQZR3+2>:;P&.%V'NO="KT-_,[[P^3.ZOE-LWI_X
M#[GS&?\`B#WANOX]=J0[@^1O5VVJ>M[$VI2'(S+LZHJL=4+F<#DL=+32P5=0
M*(WJE5XUTR%?=>ZLG^.W;.3[SZ3ZY[>S'6^]NG,SOW;E+F\OU5V-3TM-O?8&
M3>2:FKML[CCHI)J-J^@JJ9QY86:*9"LB$JX]^Z]U4S_-@^=O9_QM^0_P,^-V
M![OVI\-^IOE/D?D%E.W/F=O7:.W=WTW7%+T=UQ'O+;_6^V*'?2/UUCMQ]D9*
MH\)K,JE2XCB6.DA>>50?=>Z,9_+5^;>7[_\`B]T1GOD_N?8>P/DAV(FY*;%;
M'SU?@NM^QNUMH4&Z]QX_JWMJ/H_+9;^]>PZWN3KO$46Y?X&8IC21UI\;>#1;
MW7NBQ?S)?F_\POAA\U_@1LS&;NZ-P7PK^9_=.*Z&WAV%O7KG.Y/L+IGLZ:**
MMPN#AS,&]\'M&NPO9M.S0T516TC34$L-2[ZHX5,GNO=,O7_SQ^8&WOYW6=_E
MF]_;Y^/J]39GH++?)+H3/;,V#F\9V=VAMYZV?&IUQNVKK]^U^%VSNS;#XO+U
MSRT=`17XW$^90GF(B]U[I,UO\UGNKJ'Y5=_=9;QCVY\D=GY#Y&8WX<_!?I;I
MW9%-LKOSY`_(K$;.P'8OR&FW/N+<V^3LK:/2GQBQ^Z:+$9K<\M/'3&<5$LA,
MT(II/=>Z.]M_^8MG-D?)#J3XN?,3XZ[@^*F]ODBN7H_CAONB[&V]W9TMVGN_
M;=']_G^K)^P<%AMLS[$[8AH2)Z'%Y3&I2Y>'4*2KEJ`(#[KW332_S(]V=S]O
M=[=7_!KXLYWY9X?XS;GJ^M.Z.Y:_M[9G2'4<'=./B^XRW2_6VX-SX_<=?V5O
MG:4=H\]+!1T>(Q-3+#%)6L\H`]U[HN7:O\]WJOKWXOTWR5VW\=^V=W5^U/DG
MC_B+\CNA<[N'9G7O>7QF[]S603"X?:.^MN9FKK<+FL1ELU)$*3+8NOJ*&HHY
MDJ(W?3/'![KW1E=P?S-EZ)[BZMZD^;GQM[+^)N-[TW3C-@=.]\UVY]G=L_''
M<79&933ANM-W=F;*J8JSJ[>^X9E9,7%G,724%>8Y6CJ[1/;W7N@IW_\`S<-[
M1[K^9D7QS^#/<'RCZR^!V[\EUGWWOO9W976>S]TS]E;<VQ3[LWGMOK/J?=M1
M#NC?6-V;C:Z`5U<):-JEF?\`AT%<([M[KW5F?^E*D_YTN6_YD[_IC_0__%J_
MYY?]/_%Y_P!K^O\`S;]^Z]U__]([/\]C_MT[\F3<C3_-6E)(-C89C(W`/U!(
MX_K[D'D%XTYP5I03'](:TX_`>@ES6\D7+<CQK5P!_EZ('_)`K.H=S_RK?YIV
MQ?EAV]VYU=\4I^\?C=M7L/='7N8RM)-L;9F]*O;%#N_'XFJ6#(0;-VUNJ2II
M:+=-71P%H<55S3S*1<D^]P52#?=KN=L9G8VK$`,WDN=)7-:$_"0?F#GHLY.+
M2\NB6;2L;$9`!K1V]<$UH!6OI0C'2"^4^UOF]\>_YTO\O?J/M3>F4PWQGVY\
MFOCI@_@%C^EZO<FV/CC3_&?^]&!P6.VALN"@R%?%7;TQVV3#C]VME*NOR>2#
MK4>67'3P`+=LFY7GY.WG<T$B[P$<-J/:S&-@!Q_%BE?+AP-&+JUOXM_VX1,C
MV#*E3Q"@NIP30!#FA7S)!^($VV_S"=Z;\/PU_G.[LZ%W[VU7]K_%WYT[%[ED
MW#\FJ"KPFW.C:G:F+ZZSF/7X(;DQE95I'DW%'!&AJI:2.9<M64\E/:MB^Y!V
MS1!]YY:CDB#0R1T(8T##1E<J`5\P:D:BPU=ND"BYN-$&XOHC4QR<>-*FFHTJ
M=7J*`T`.:]#+UQ\HNA<]WS\-?YBNYN]=ZXCKK^<A\=NO/A%F/C7A,U7+A_\`
M9F,9592+-=FY#[BMHH-EX[K*DIJK:3U>.,->*[+PR\+*06;BV>VBW/9H[*MQ
M;7'BI)5R`BJS:1F@+"I)`!;30Y4$*([I98X)Y+C3'(E/*E:A,&G`L13)J3Z=
M:>/\UR.AZ.WEM/\`EP[![+SW9'4?\O7`=B;(DS^2R63J*#=??_:VX<WV/VMF
M?L:NNJZ?'U^SZ?)T&V4!+2HN.G;4#,X]S=R9(UU])N4\.A[J%@Q-/@"G14\2
M*&JD^38X]1CS5>(^Z6>TVT1\,2DL0#2H(U$^66&?FOR'7T-OY<IOLGXBG@7_
M`)9?QO-AR!>J?Z'\CWC7NL8AW/<(AP69Q_QH]2Y9T^EMPK5&@9_+H.?^%"V[
M]J;6_DZ?.^#=&Y<'M^7<O3<^V=MPYC)T>.FW!N3)9["G'X#"154T4N5S-7XV
M9:>`/+XU+Z=*L0@Z4]4$?&_?&3_D9]3_`!I_F&]8=D'Y)_RKOG-L'XWCYF;3
MRF^,=O7N+X\?(S/=>[6PDO</6^=GE;-[^VW0RQ'&Y';&IZ['PTPHS$GCIIJ?
MW7NC[_S6_D9\7?DG\D/Y$.X>N?E[M7;6P-^_)GM/>6([GZG[.VA@=P[>VCD.
MB\ICL?G:/-9R#*4FTQE,Y6P8><9.B5HZBH>EDC6965/=>Z5/:>[OCG\<NNOY
ML?3='\^MX_,OL/Y)_";O'N[[?L3L3:W:,WQ^V/UOT-N+K5<=O??&U),/M/9F
MU=][SW-24>VL6E!35E;D))E5)V+3#W7NBD?"N#XV=7?RT_Y5_P`M^Q?YIO:N
MWL+\:=I=-]J;G^+M;W-LG=NR=\9?'[;K-MOT?MKI7;>.Q'8.7WI19O)+C]MX
MV6LK?MJ]%$D++ZXO=>Z6W0O6V"^4O\]+^=QLG;WRT[J^..X,UU!\.J7&R_'7
ML38VU-\5]3)TQ+'N2GS,6;VYO05VX^JJ_(Q4]5#1B.?%5DTD,LJL;#W7NN'=
MW66QNE_YH?\`)E^)/8OS:SW7N[>C?@E\H-F[O[LVKV/M/KWL;,9.6EV.VV)]
MT9??E)NO'4-?V93X"JJI::L@,E;)!(T!Y2WNO=6)?'3Y8?"#^7Q@OF7M#L/^
M8#O/Y-;:ZUW>GRI[J^0&]<DW<\_26"[TW!M/KGK3JG?F_>LJ'*8^NWAG-QXR
M<X##8S$P3+BHI'>FACC#R>Z]U<;DNX>K*GIH]V_Z0=J0]/Y3KZ+?^/[,JLS0
M4>S*K96=P7\6Q6XTS=9/3T7\,KL;4Q31NSKK610.3[]U[K0(^%'5/\L7L_\`
MD%]F[Y^3/RGR?4_8N)[,^3^YML83"_(G=$3Y3L7&[US&9Z?QX^*$^YJS9O:#
M9^=<6R82;;=<N42<NSJ[&6+W7NCF?(7N_OSN?XR?\)J,[\OM[T7Q+^4.]/E_
M15^9W##M_8>Q-S[%V_'@-W;+ZV[3;JO=F$CVCM:ES>'DPU0U)4XJ+$Q2UBQ+
M%$CI&GNO="AT?BLMM>;^<?\`#?YB)D]\?SK>]_C%WIB.O^]-Q9B1,9\^?CCD
M>O-\1='4/Q8V=`<9L[8=)@M"4&4V1MZE21,A`9Y'J32U*8_W7NC8?&'YE_%F
M+_A.YL3K9.\^OJKMC&_R^JKXN5O3M%N+&S]UP?(.?K&JZ7BZB_T2Q3'?_P#?
M&3L>LCH5I#CQ(\+K5?\``5O/[]U[JU[OOX\=1=C_`,K;</Q\^6VWMN'8%%\1
MMO[>['Q^Z\E18W';5W-LOK7&FDS-'N:>I2CPF?V=NS#PU-!7PRAH*RGCD5C:
MQ]U[HB__``FDJ=E[S_E>]4=^UV_:GM'OKMY*U_D5V=NS<U-N??\`693J7,9S
MK+KC9FZ<J\KY+';=ZUZVVW14.&H*K0M/3&2H`9ZJ6:7W7NJ=/@;U;TS\DNM_
MYYV"R/\`,WWU\-#O+^8]\P,?CINO/D!UQUQL&?;U?CL0:#L+<%#N/'R9C<>V
M-Q_OTF1JL;E:"*OQU++%%-&X\J^Z]U9O_-M^372G='_"<?Y+=G["WI#4=<[Q
MZHV[UKUGNS<U')M-.V,CL[MS:FQ(<[LC&92NJ,EEL+O&OVO45F&>[RU>.T5#
M`1DL/=>ZOU^.N[-H[J^//2V\-L;CP>X=K9#J38>0H-S8C)4E?B*O'KM3$M)6
M19*GE:F\"+'^Z2PT:2'L18>Z]U0S_P`)Z>P^O]Q;I_G*4FW]\[4SM<?YN7R3
MWR*;$9['Y%WV;F<'L?&XW>$2T]5(9]M9:OQ-9%#7*6I7>G<*_IX]U[JOOXB=
M<]1?)W?/\_/`S_S+-Z_$RDWU\\^[-L8/(]5]]]:[!V?EZ&OV#18D;]R<6Y:"
MIR^X<54UZ24=54XS)T"U5)1R11SHUI4]U[K:6^!7<_5_>_Q5Z@WETOO&N[+Z
MSPFWEZKV]VC48+*8#&]H2].R3=9YW?\`M2#,33Y&NV?N#<>UJMZ"LD=A5QCR
M*\B,LC>Z]UI==N;SZG_F:]>_S#]__,_YI;/^./\`,_\`BK\NLZOP0Z![BWI-
MU[MWXV;<Z-S^#KNM-K==],YYGI>V=P?(',4CTNX<S3XG/9:JK8<;HB6")*>I
M]U[JQ+^6=\__`(E_)CY2[C^8?\P6#8?1'\TK!X3K#X7[!^'&Z>L]R4'=FP*-
M:F'*U>\]A;5SFUJ/>V_]X]V[RW#-635>.H&EV=MFGBQ\U2*1IZFI]U[JX/\`
MGC?$:N^9?\LWY(=?;:\U-VGUW@J?Y!]*Y6DDBILGB.U>DI'WM@WQU:8IGHZW
M-XV@K<4)82)$3(,`WX/NO=:R7R(VM\D,]_+V^./_``I(?8>`/STVI\E>I_DK
MEMNXQ,M6TDOQ"J\%B/CALSIN&6.LFR8VON&EBI-R5XIXXYG.ZLDSKJ5-'NO=
M'MW'TON#^6E\P/Y+WRM^2KU2=)T'67R9ZM^5'=-7`TNV^FOE]\S<OD.U,OO?
MM+,2O5+M[9N\NP]V3[?AS52\='0QT$2U,T,?C4^Z]T9W^;/N_9/S9^4/\IOX
ME_%K>>W.V^WNOOG?U7\S^SLMUAEZ;>.*Z0^//3&.S[;CWWOW<VUJVHQ&STW/
M6YRGHL+3UE3!+F:E2D*.Q75[KW7+^1WV7UW\,NL?ES\&OE5OO:?2/R-Z!^87
M?W96ZZ3MS=&"V%+VCU'VWNB?=G7GR+V;E=U5N-H]Y["W5AXI8I*^GFJ#0R48
MCK!`[PHWNO=4*?-O*XW=W5W\T'Y\TV4AVQ\8/FI_-8_EX8GXNYG<@?;>-[BP
M'Q=R-3M_L[O?8^+S"4.4R^Q\U4F>2#*0T_BK(*>HDU$0DCW7NKWOY\G:_67S
MD^-V#_EG_$W=FV?D%\LOE'VUTO+M7$]59*/?N.Z(V;L[L#;NZ]V_(+M/=FSI
M<IC.LMG;2P>.*I55=1!55;U06FBG43!?=>Z(S\YMT]`;2P'RK_FV_P`NSYOU
M'Q,^>WQVWIF^E_EK\<=[[DVY/L/Y==D]%;FINM'V1VAT'E*YY,YO;LC$XN.3
M:F9P\<L>5CK8V1(*^6IK:7W7NML7_21NK_GAI?\`LGO_`$F_\6G)?\?;_P`\
M+_P(^O\`TP_Y[_:O?NO=?__3.O\`SVG,?\IOY.,JL[#^:G461'2-S_N6R9_;
MD<-&D@MZ2PMJL#['/)1D/-B+#;^,[6^G2/.JT/[!D]!CF14?8=#S^&C$#52M
M./E\^'6N-TKVKT_L?H+%]19#^9-\F.L=O;GP^9/9W2O5>`Q*=/U\VZ69LC@\
MOB,[B)IMUSBBT0U<F26I"R*5A81A1[EC=MHOYWAN8^7F,L+Z!GR/S]/4\.@?
MLES96>TS[<V^*$%3E2/\W0U3?*7K*K@VM35_\WSYVY2GV'74>3V%%EZ7;&73
M863QV-.%QV1V0,C@ZA=IUN/Q)%-#)0"G:.%546"K8K@M;BUMIX(N40+:7M?X
M:DFM*XJ0"2?05)\STJ7<-N1HG7?(AH8,*:O*A\V^72([6[8^.W?6V*38_>'\
MU;YP]M[)H\I!G%V?OUX,WMRKSE/I,&9RF*B@@I<QDX"@*358F=&`*V(!!E%#
M>6DEG(.5`6@``RO`>7V>?ITY/N=A>1WB'F",&8DG\_6I_P`%.@O.&^!C8GK[
M`M\\_DN<%U'N'*[NZIPW]W<(,9UONS.YN@W)F]S;,I!3Z<'G,MGL32U<]3%^
MX\U-&2>.=7&Z;H);R?\`<2%IA0]O^QTD-GL?@VD`WEPL1_B\CQ''AT6#Y9X#
MXW38;*;^Z=^3._\`O+LG=F=W!DNS(NUL$U+N7-UFXH*G(U^\8<UCZ?[/)91L
MBSO7353J\C2\`^S7:;ITAM`Z%66-JK_#CA3R'IT4;S+9VYLKR&C%IM(/KGB?
MMZ^ES_+E*G9/Q%*_0_RR_C@1P1;_`"I^+$`\?3WC7NKZ]ROW]96_PGJ8+!@]
ME:LHHI0&GY=67;MZ^V'OZ&AIM][*VEO:EQ=<N3Q=+N[;>&W)3XS)K#)3C(X^
M',459'1UXIY63S1A9-#%;V-O:#I7TF?]!727\%HMMCI[JS^[N,RE=G<9M\]>
M[1_@>.SF3!7)YJAQ7\(%%29;)*;5%1&BS3#];'W[KW3.GQI^.<?W`3H'I-%J
M[?=JG56Q%%5I<2+]QIP(\VF0!AJOZA?W[KW4NA^/'0.,H<KB\;T=T]C\9G8Z
M"'.8VAZSV524.:BQ58N1Q<66I*?"1T^1BQN003TZS*XAF`=+-S[]U[K%3?'#
MX]462ILS1]#],4F9HJJ*NI,M3=7;'@R=+703)4P5E-718-*J"JAJ8ED217#J
MZA@;@'W[KW3_`(GIWJ7`[@_O;@NK^N\)NO[BOJ_[T8C9.VL;N+[K+2/+EJG^
M-T6,AR?GRDDCM4OY=4Y<ZRUS[]U[J)N'HSI/=^5KL[NWI[JW=.<RC4SY/,[C
MZ_VEF\MD7HH13T;5V1R>(J:RK:DIP(XC([>-!I6PX]^Z]TA-^_&'JS<O4'9G
M3>S]L;7ZDV]VOA#M[=]5UQL+8&-J:_$U3+39."7%UVVZS;U;5UV&EJ:..HJJ
M6:2C6H,L!294=?=>Z7&`Z2ZIV]U/M?HVCV#M:HZBV?M7;FRL!UYF<+09[:])
MMG:=)146WL9-B<Q#6T=8F,AQ\)1I5=O)&'OJY]^Z]U&I/CYT-C\Q1[AQ_274
M-!G\=-!4X[.4?6FS*;,X^IIC>GJ*+)PX9*REGIS^AD=63\'W[KW3UNSJ#JC?
MM>,IOOK/K[>V36B_AD>1W?LO;>Y*Z+%B?[M<9'5YG&5E0F.6K)E$(;Q^0EK7
MY]^Z]TX9'K?K_,9/;.;S&R-H9;-[*(.S,UD]LX2NR^T"J+&IVODZFAEK,`51
M``:5XB``/?NO=)2F^/?0M'O^;MBCZ2ZAI.U*BMJ,C/V;2]:;+@["FR%5'X:J
MOFWG'A!N&6NJ8CIDE:H+NO!)'OW7NE]N3:.V-Y86MVUO#;^$W9MS)+$F2V_N
M7%4&=P>12"H2JA2NQ64@JZ&K6*IB211(C6=`1R/?NO=,VW>KNMMGT^;I-H]?
M[(VI2;F*'<U)MK:F!P5-N/12O0H,]!BZ"EBR^BBD:%?N!)IB8H/22/?NO=(J
M3XR?&V58$E^/G1\B4R-'3))U/L-UIT<EG2`-@2(D=F)(4`$GW[KW2PRG4_5V
M;PV"VYFNN-AYC;NUVA?;&W\KM#;N1P>VWIXO!3MM_$UF-FH,,T,'H4TT<>E>
M!Q[]4#B>O=.F'V/LS;6V5V;MK:FV-N[02.MIDVK@]OXK%;:%/E9YY\G3C`X^
MFIL7XLE-5RO.OBTS/(S,"6-_=>X<3TCME]:=&8(5V1ZVV!U3A174=5M;*9#8
MVU=GXY:[&T=2ZU^V<C5X*@B%504U8&$U%*6C24'4@;W>2.2%@DJ%7I6A%#3U
MH?+Y]:#*PJK`CI'YGHGXH8A\73;@Z;^.V+-<W\-PU/FNN^M:)JLDW-!BXJW$
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M_AZ6,38^II8TCFIZNCJH;1V9:FGJJ>=3PC`O'402*]N"5*FWT][(*G2PHWIY
M]>&:T/29I(NN\K1Y'8E"FS<IC\)%#CLILRC7!UM%AZ6(HT&.R&VX/+!04\;H
MI6*2!%!`('`][*L`"5-#UH,K5"L"1T\YK![?W%B<A@-QXK&Y_!9BDGQ^5PF>
MH*;+8C*XZK4QSX[(X[(0U%%74$Z$J8I4=""00;^Z];\Z>?2-Z\Z@Z<Z@H<CC
M.I^K^MNK,;EJF&JR^/ZXV1M?9-!E*RG5TIZC)4NV,7C8:RI@C=E1Y0S*I-K7
M][H?0];((I4'J+V%TCT=V]-AZCM?J+JWM.HP"5"8&H[%Z^VGOB?"QUIC-4N(
MGW-B,G)CEJVA3R"$H)-`N"0/>J$<1UKITW%U;U5NVGPU'N[KO8>Z*3;M,U%M
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MW,)D\]E98H,GDY)IH\?BJ:KJFIXD`+R!-"`BYN1[&'(D\=MS"9Y;@Q1*KU<>
M50`/V\.@MS'"]SM5[9QQ%WB*X!H3GR_+K23EZL[8\CD=1=O6_LD]8;X!(/-_
M^+'QR?<^P[WMHA<MOK,E,BO$>G402[7<^,A&TS,P;`;X3]O6/_1;VQ_SZ/MW
M_P!%COC_`.L?NO[_`-E_Y3OYGI[]W[A_TSR_LZ]_HM[8_P"?1]N_^BQWQ_\`
M6/W[]_[)_P`IO\SU[]W[A_TSR_LZZ_T6]L?\^C[<_P#19;X_^LGO9YAV85_Q
M\_M/1<=IFS_NIGZ@9?JSMDXK)`=1=NW-#6#GJ_?!_525`N!_`B6(_`_M'CVH
MAW?:6N+\_O*WH;;SR::?/Y]+Y=FNF;;+1-KG#!U?)IQ(/GCKZG?\NNGJ:79W
MQ+@JZ:HHZBF_EI?'2EJ:6K@EI:NFJ8*V6.>GJJ6=(YZ>HAD4J\;JK(P((!'O
M%C<98I[^\E@D5XFD8AEX$5.1\NIYL`PLK4/&R.$`(;B,<#\^K6/:+I7U[W[K
MW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]
M^Z]U[W[KW7O?NO=>]^Z]UCD)`!'^J%_];F_O8TY+<`.J.)&T^'QKG[//JJ?^
M;G\SJSXF?&RDVYL7/56"[Y^3>\<?T)TGE<3@,]N[*;%J-S*5[#[QGVQM.ARN
MYZ_;_1FPC69VIDHZ2I9*R*DC9")O9[RYM<N\7$DL8)@AC:1O]J"5'YD?L'13
MO5_%;0>$32=ZA?L'QD?8#3[3C@>BO_R`WZLVW\=OE/T7TGFMR9[J;X__`#A[
M>V5UKN#>]'N"AWEG=L9[;.PM[C<6<QV[:'&;EI\IN+/[AR%=)][30O)).Y$:
MII`4\Y*=Q&U;B_9)+:::C-.[NSYDDY/GQ\^FMAN8W%PA?7"L@`-*5%"`:<14
M*,>70#_._J"#X^?,+M+Y1_//XX[+^<7P7^1^Z_CWTSM'?U=NH)VE\$Y-V9/`
M]78W:6%Z<RRT>+W+UWNWLS/Q9.JSNUJZ'=$-37.\\4\42:;6<EO/MHM[2\>&
M^C#,RZ:K(!Z&GGCCPR"",A^[0B;7=1B2WJ-.:4(J?49QZ9QD'!`7Y#YKNVHF
M_FC[OH^WLCV%U/OWY%]"?RD/CA\;]VX+#U74U52YVLZZVKV'BC!%)'GWS>RX
MM^;AIQ64U1'5Y)J-&JWD:*R'5C;6*R[8MWMZD)M[SG)J2P)#4\P33![?3@.B
MMI+Y;N[F#G0)1&,<1D\?+2%'#)KFGFK.T\[C.B^^_P"93_,"SD_^ESI[^6'M
M?ICXK_#CX[[AV?@,AM+"=FTG6^QXZ'#;3S5;25VY-J9C"]L=@8JDJ<MBF3*Y
M&BD\4LCI#'$4]O)'<;=MNU1&DEX[/.P.0%;T(H21ZX!]>E$S7#7&ZW5^`UM!
MW1`C\5*DX/J`/4\<<.E3V3\G/YA,/PY^>%7W2N[=X[&WW\7=D]8=7;C[/^/M
M3\4=SS_,+Y(9F7JC<'4'2.Q\J]%OO<_3^VZ'>-(]'G<Y#_$GR$3>*HJ(@TBI
MK/;K!-\L[:(J4661C1J]JZF4GT:M*C]I/3(W*Z_="7[2'5(JTJ*'466H''`&
MJAQ6G`''5@7SURO8WQ5^!7QG^+O0V^ZOK?L#M[L/XG_R_MH]PS5JME^N</O"
M+&;2W9O['YFJ62.#>:[&VSD8<962>M,S4P3+>15]E>V0V]_NM_<W.85621?,
MXR`1Q/G@9P!T9WSSV]M:I%_;2:0WR]?S)\_0GI*_([J;I+^69L3J3)?"/X^]
M8;;^6/R/[5ZJ^#_4O:6\(L]FJB/+]M9FJR&9[,[RS[9)]T]F4^UL3MVOS=2U
M9//7Y/(Q11&58Y7(3;/#<;I<7T=TY6T@BDFQFJID_9DC^8'KU6YDAVOZ:"T0
M">=](&>/FQ\L8_;7@*=%<RGS:^>_7?8?>WQ`VQWAU?WOVWM;YT_"7XT=2?(?
ML'J?#;6QN6@[VZWR/<GR+V?O39?7-?2;:R&0Z8V/MR62(X_PY"*/(Q1U-I`L
MI-GVJR:QV_<9K>00/"[.%(.5>BT_TP!J/LKTCM[JXM[RYLY9M=SX@T,13M8>
M?'X6P..!44K3IHV9\R/Y@TVZ.OJ\?)WK??NP\Y_-VKO@]US1+T'MS"[G[TZJ
MVY5YX]U9KL"MQE;_``_9.,ZV&U,S3;=JL##]Y4I0Q/DI)'E(]NFUV2ZLYOH[
M.=;B*U,C'74*P(HH!&?,EL`4&"3C1O=Q5DU354W0112E10U)^1J*5S4GTJ5%
M\E_G#\Z,/C/G?\A.J.[NM=D](_&'YF=-_&7XZ]8R=28;>.X?D5OZ3-=6;`[;
MZSW5NJNKSD\5B\CV!ONIH<?48FE&4@J:260S>&$H[MIM&TROLUK<03FXF@:1
MR&I0!6*D#S!T_(>=<=/Q7-[.U]HNDCC2<@%@*'Y`U],^9_P]/WRD^;WS'W;7
M=V=@?&SN/9G2FP^G?G3U/_+[Z2Z]J^K,)V)N#Y,?(3([SV5M[NB3LC.;GJA-
ML_KK:[;AR5'@X=OQID*@XBHK:J94T0!FSV6Q6-1<1RNIL)+ALTTKJI&RBC:J
MG!!(&2:X`Z>N;F[BD@D:Y0PF94*J*\:ZM1)&F@X``G@#YMTU?-CYN?.G!9_^
M8WNKXX=S=9;#ZI^'6\_BOT]U#A:WJK#[YW?VY\E.R?[DR;ZZOS67R^0CH\=M
M&IG[$QM+424],V6@G):F=$1M;=AL]A/;;+:I"_UDYD)-3H"IJ;[3@4^VIJ>B
M^YW.Z23<E4D0Q21(GJ2Q"L/RHQR>%,#H2^]/G)\K<7\E?E7\%>I=Y;.J/DUO
M_N'XR[0^("1;1P^07I/IOL/J'%[X^0/>N^,3502?WSVMU(N"SM1#+D`!5Y*K
MQ]`JG65*8;%&FT6&\$#Z=O&J3C(8!5X\3\O3Y]&#7\K;@]@V9!I(^S.H_P"`
M9]:^75YG\#R7_/1Y#_CW_P"#_P#`+%_\7C_GL?\`,?\``O\`Z9/^`O\`S;]D
M6IO3\7^H='6D_P`7X?\`5_Q?7__5W'MB=&Y?#Y7M*MZ5^45;08G=/;.]-T[K
MPN.VOUSOR+;>^\Q7+4;BV_)D*Z"NK,=58QBD;T<Y$T-AJ4$^_=>QGUZ$<=5]
M]@<_*?/,?Z_Z(>KA_O`Q/OW7NN_]%G?7_>4V>_\`10]7?_6CW[KW7O\`19WU
M_P!Y39[_`-%#U=_]:/?NO=>_T6=]?]Y39[_T4/5W_P!:/?NO==CJWO@7U?*7
M.L+$<]1=7"W^-_X3:X_QN/?NO===<=;5.U^UL]N;>/=+]F=AY'K_`!6#&'K,
M+L_;%=B=G4F>KZZDRBX/;<5/424E5EYYHON9(Q$SKH!U*1[T*4%.'7NC(J+`
M"]_\?>^O==^_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7N
MO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NN+`$"Y`Y%K_P!?;4PU*M33(Z]T
M4K<W6WQ<;YF=;=L[MW)M#_9O5Z2WQL'IK:^XNQ*1-U1]4-N'$YWL[.];=4U^
M8$D\KUXH(,WGJ#'R3)2B"FGF6$JC+1+<_2/'$A^GU`L:&G$<3P]*?EU1M)HI
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MH[3;!*K+<+X@8$=PR:X_XKI`]"]%_'S;_P`./F;M;YS]I?&O>NW^Y/DWWSO_
M`.;%=%V5@*+I_KK>>_\`>N$7;76VY=WY+,X?^X6Y]B[2I]I1**N;&Y&CRY@E
MB"R/"[/7=[N7[RVN;;+:0/':Z4`6K,`A[E!!+`@MFAQGY].M!9!+A7E!1G#/
M4X!J,'TS3&"3Y4Z$'='P^_EVX'I*OZE[1[9FK-GU?=?0V[,EO?N+Y<;LS_8)
M[LV[N'$9+X\4`[)W[V'5YG'[AJ,K24D&`Q$,L8R@81Q03M(2R>WOMW%^\Z6C
M?5&&A&@X%!J[0/3B?V]7,=N4_M%\,GU'Y?(>?E7HUWS)V=\3-^=";GV?\V\E
MU/C.A=R9;:V,R^0[AWGB>O=M4>[)L_0#8=1A]ZY;-[=DVQOJ+=*4QPE50UM/
MD5R/C^V/E*@EED]XLP>!3XGD%!)IZ$>8Z=N$1X-$K#33B<?S]?\`53HI>X_B
M!_+BQ/2=?TOV/VM!7[9W+W/UA5TV^^SOEQNK(=M4/R)H:6W2\FRNVMQ]BC=V
MU^V(Z&G<8*FQ=33U]9$92D4VN0L:O=;U)<!UBD64(<*A!TXU8ID5I6M1^WI)
M!;VT<(1)08J_Q`Y^1X>O2@ZIZ#_EE[5R7QWH^K][=.5^X.F?D3W,W5+TG?&,
MW=N?>/RYW'U[F,1W;-O2NJ]XY3.]P?(FEV'65M1E(LK)7YW%T@,S1PPQ)H9D
MGW=A<:TDT-&-7:0`E32N*!:US@5KY].^%;ZHM4@UANW(K7'[3P_ECJ;UET/_
M`"Y]K?[*?_HUWKU7ESU3W%\BZ_XQBG[TQ^XO[S_('?+;X_T^B@==UUK=J=E8
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M:LDCGWI9MO=4<Z8'51I:C(5()4#R%221Z`DXZ<FM["12DLR@>*I)+`=X.`3\
M\X^VG3/T'TMT_MW^8Q\E>\.U>Y/CWO#YW=E=;[;VKMSJ78.8PN.W[T]\/=HY
MJ>;9SY;9&5W%7]A9;*;QS60CJ,]N26BI,=//'2TE(L<$">3;W%^VT6]L8'%B
MKDZJ-I)).-7PX-<>OV=/"WM%W&:<7`,Y6@4D5X+J('&I`6ORIZ]6K\?X?7_>
*?^*^RKI9GK__V3\_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>18
<FILENAME>g915197dsp343.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g915197dsp343.jpg
M_]C_X0I417AI9@``34T`*@````@`"`$2``,````!``$```$:``4````!````
M;@$;``4````!````=@$H``,````!``(```$Q``(````>````?@$R``(````4
M````G`$[``(````)````L(=I``0````!````O````.@`+<;````G$``MQL``
M`"<0061O8F4@4&AO=&]S:&]P($-3-B`H5VEN9&]W<RD`,C`Q-3HP-3HP,B`P
M-3HQ-#HT.0!R<C$S-3DP,P```````Z`!``,````!__\``*`"``0````!````
M]*`#``0````!````(@`````````&`0,``P````$`!@```1H`!0````$```$V
M`1L`!0````$```$^`2@``P````$``@```@$`!`````$```%&`@(`!`````$`
M``D&`````````$@````!````2`````'_V/_M``Q!9&]B95]#30`!_^X`#D%D
M;V)E`&2``````?_;`(0`#`@("`D(#`D)#!$+"@L1%0\,#`\5&!,3%1,3&!$,
M#`P,#`P1#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`$-"PL-#@T0#@X0
M%`X.#A04#@X.#A01#`P,#`P1$0P,#`P,#!$,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`P,#`P,_\``$0@`%@"@`P$B``(1`0,1`?_=``0`"O_$`3\```$%`0$!
M`0$!``````````,``0($!08'"`D*"P$``04!`0$!`0$``````````0`"`P0%
M!@<("0H+$``!!`$#`@0"!0<&"`4###,!``(1`P0A$C$%05%A$R)Q@3(&%)&A
ML4(C)!52P6(S-'*"T4,')9)3\.'Q8W,U%J*R@R9$DU1D1<*C=#87TE7B9?*S
MA,/3=>/S1B>4I(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]C='5V=WAY>GM\?7
MY_<1``("`0($!`,$!08'!P8%-0$``A$#(3$2!$%187$B$P4R@9$4H;%"(\%2
MT?`S)&+A<H*20U,58W,T\24&%J*R@P<F-<+21)-4HQ=D154V=&7B\K.$P]-U
MX_-&E*2%M)7$U.3TI;7%U>7U5F9VAI:FML;6YO8G-T=79W>'EZ>WQ__:``P#
M`0`"$0,1`#\`]4<YK&ESB&M:)).@`'<K,KZ]0[IM.>:G[LR3@XK8-UX,NQ_2
MK]NWUJ=N0_U/9B4_I,M]-=5RK]=]3JUA^KV);Z;;&AW5;@W=LQ7:?96.^@W*
MS_YMF[?Z>)]IN_[C>K1L?F=.IZE;4\9/4:;VXSNIY376/;1:RK(98^G#JV-9
MBOO_`*+C4XV-;Z?VB[TO5MM233TV.;S2PY(:V\M!L;626!WYS6/<&N>UO[^Q
MF_\`T;$WVG'^TC$]1OV@L-HJGW;`0SU-O[F]VU<GT_._9>5E6YMV0W'H;ZPI
M]&WU\NQ[65NRS38+;:\>IC*L;%H]7U/M/KWYOZ3TE#$KZV_+_:'4:GU,RLK=
MFC$+LE\8P!Z;TEAH:WT,3&N=?]OR/\/G5Y-/]$RDE4]HLOK/5OL+1526"\@.
MLLL!-=-9=Z;;[FL]]MEMGZ#!PZOUC/R?T5/Z.O)OH?*Z[3B@LNJ<,KTO6;BM
M+76>Y[,;&JLVN]*N[+R;/L^/^D]-[_4_2_HK5@X_3\K-R:<ZO#OIZT;6OS<S
M++VX^.6[J[:\7#=9]GS;&8[GX6'?C5>AZ/ZW;F^M_24H#N[_`$?J#KJ&XV9:
MU_4:&!V6UHC:3^8YS"^AUU7M^T^A;^CL_P!'7=2M&0N7/0NL.&12P5U4![6@
M6OW_`&C'K<;3BV.;4YU'[0<^R[J69;]HRKK[[J_2]&NFQ4^HTYU?4;K;+69N
M6+66?9J6G^<=LQ^E5/R<DC%PVX?KV75TO^V6^O99UBO$_P`%CI-![)MM3OHO
M:[5PT(.K#LL_[;?['K)K^MO0[@3C7.RA]H;BUFACK!98X!WZN]@].YE;/4LM
M?6[^;HR/]$LW$Z!UC';8VAE./ELK?3B99>;64L<QK*WU[V?:,J_U&NLO];[-
M5Z]V1D?K'J?I+&!]7.H87V&RC(J8<.MU#,>QK[ZV->6NLNKLWXMEV=8YKO6R
MK&,]1EGZ*C&_2^LD4.[O/RL>NJVY]@%>."ZX_N`-%KO4;])GZ)WJ*&/GX>46
M#'M%OJ4LR&%LD&JR?1MW_1VV[7>G^^L[H^'U3I]?V1U-+YM=;D9_J'=>Y[M]
MF2_'%7MR+?\`0^KZ&/\`S5'Z"NNI/TSZMXO2VY3\0AN7DV6/;?MT8'%_V6EM
M#7-9Z.'6_8QGY_Z:W_#V)*T;!ZUAA]K1+O3O;B,(C])>X;WT8^OZ7T&?S_\`
MHO3R/^XU_IAZUGXF+90_)N]"G#WYN59)AM-;'U>_9[G>M=<QM56W]/\`I?3^
M@@8_U>R:,?"<W(J^VX3BYECZ?4K'J,=7DPSU*K_6O<]]UV7]H]>Z]]GJ?H?U
M=/U#ZL?:\4,9E%N6;F9-F3;6VT665@MH%N.[8ST*'>^G'K].O_KN^Q)6EMQO
M7,'[-]INWX[#:VAC+F[;'V6;#16RG^=]6[U6?H'M^T,^A=558RQ-D=>Z7B85
M6;EW>A5=6;6-<TFS:UOK7.]"L/M_05^^_:W]$LV_ZIWWWT6GJ-C/1:X;F,`>
MU]F_[3=B:NKINS&76-R+[:LFZO\`[1V8J(?JECV7Y-EU[GLO9576`T![&4['
M54%SM]#\6NZOU?L=>-3BV^K;]LJRTE:-CIW5S:UM_4'LQ?M]G^3L5Y`L%,;:
M'W?G-NRW?I?3?_,^M1A_TG^<NYW4*L3'?:/TM@<*JJ6D!S[G:58[?W7/<[_K
M;/TK_P!&L?(^KN32VR_[9E]1VV-R&8I--3K;FNWT_:LRNJJS[/CVNWU5L]-F
M/77_`#5VSTU<_8MIKJ<R\47X]-E>.6,#F576_P`YF,KM+O5O:WV,??\`OW>I
M_2+DE:-C"SJIKPLC*JNZCM<;F5:#<S:;@QFKFUU>JQOO]Z?"ZO@9]]M.'9ZW
MHM:YUK0340YUM7Z*^/2NVV8]K'^D[V*C9]5<-U+,1EUM6#Z-U630QT.R'7FM
MUF1E97])?<YU>^UWJ?K'^&_1;ZK"]+Z3D]+H-=5E-LEDAM7H!VT5T.LMV.O_
M`$C,6IE=-6/7CXS/3937333_`#25H__0](Z6.G!F0,$R[[19]K+I]3UY_2>O
MZOZ7=L]+T-WL^Q_9OLWZI]G1J/LGK9/H;?6]0?:=O._TZ]GJ?^@_HKY<224_
M2?UA9D/JQ!4]E=?VJK>Y^Z`XG9B.+*F/]7T\QU%K:G/QZ[+JZO5O]+>K^",<
M8E0QCNI#8:3R?WB^8=ZN[^=W^_U%\NI)=4]'Z1:SH1ZJ]S7D9K<EOK,?NEUQ
MI=]EW>LW=Z#,;UOLGI.^Q^OZWI_K2V%\K))*+]4GCP\US_2Z*V68+LO)KL#'
M6UX+*F/:'Y`%OVW,RR\>SJ-C&Y6_&?\`S#_MW])M_F/G9))0ZOU4DOE5))#]
M5)+Y5224_522^54DE/U4DOE5))3]5)+Y5224_522^54DE/\`_]G_[1)\4&AO
M=&]S:&]P(#,N,``X0DE-!`0``````&$<`5H``QLE1QP"```"K9P<`E``"')R
M,3,U.3`S'`(%`$!-:6-R;W-O9G0@5V]R9"`M($AO<FEZ;VX@0F%N8V]R<"`M
M(%!E;W!L97,@0F%N8V]R<"!&;W)M(%,M-"!*;VEN`#A"24T$)0``````$&IP
M8>>(/L)0#K'L6@;XTUXX0DE-!#H``````.4````0`````0``````"W!R:6YT
M3W5T<'5T````!0````!0<W138F]O;`$`````26YT965N=6T`````26YT90``
M``!#;')M````#W!R:6YT4VEX=&5E;D)I=&)O;VP`````"W!R:6YT97).86UE
M5$585`````$```````]P<FEN=%!R;V]F4V5T=7!/8FIC````#`!0`'(`;P!O
M`&8`(`!3`&4`=`!U`'````````IP<F]O9E-E='5P`````0````!";'1N96YU
M;0````QB=6EL=&EN4')O;V8````)<')O;V9#35E+`#A"24T$.P`````"+0``
M`!`````!```````2<')I;G1/=71P=71/<'1I;VYS````%P````!#<'1N8F]O
M;```````0VQB<F)O;VP``````%)G<TUB;V]L``````!#<FY#8F]O;```````
M0VYT0V)O;VP``````$QB;'-B;V]L``````!.9W1V8F]O;```````16UL1&)O
M;VP``````$EN=')B;V]L``````!"8VMG3V)J8P````$```````!21T)#````
M`P````!29"`@9&]U8D!OX````````````$=R;B!D;W5B0&_@````````````
M0FP@(&1O=6)`;^````````````!"<F1456YT1B-2;'0```````````````!"
M;&0@56YT1B-2;'0```````````````!2<VQT56YT1B-0>&Q`<L``````````
M``IV96-T;W)$871A8F]O;`$`````4&=0<V5N=6T`````4&=0<P````!09U!#
M`````$QE9G15;G1&(U)L=````````````````%1O<"!5;G1&(U)L=```````
M`````````%-C;"!5;G1&(U!R8T!9````````````$&-R;W!7:&5N4')I;G1I
M;F=B;V]L``````YC<F]P4F5C=$)O='1O;6QO;F<`````````#&-R;W!296-T
M3&5F=&QO;F<`````````#6-R;W!296-T4FEG:'1L;VYG``````````MC<F]P
M4F5C=%1O<&QO;F<``````#A"24T#[0``````$`$L`````0`"`2P````!``(X
M0DE-!"8```````X`````````````/X```#A"24T$#0``````!````'@X0DE-
M!!D```````0````>.$))30/S```````)```````````!`#A"24TG$```````
M"@`!``````````(X0DE-`_4``````$@`+V9F``$`;&9F``8```````$`+V9F
M``$`H9F:``8```````$`,@````$`6@````8```````$`-0````$`+0````8`
M``````$X0DE-`_@``````'```/____________________________\#Z```
M``#_____________________________`^@`````____________________
M_________P/H`````/____________________________\#Z```.$))300(
M```````0`````0```D````)``````#A"24T$'@``````!``````X0DE-!!H`
M`````U$````&```````````````B````]`````X`.0`Q`#4`,0`Y`#<`7P`P
M`#``,0`M`#,`-``S`````0`````````````````````````!````````````
M``#T````(@`````````````````````!`````````````````````````!``
M```!````````;G5L;`````(````&8F]U;F1S3V)J8P````$```````!28W0Q
M````!`````!4;W`@;&]N9P``````````3&5F=&QO;F<``````````$)T;VUL
M;VYG````(@````!29VAT;&]N9P```/0````&<VQI8V5S5FQ,<P````%/8FIC
M`````0``````!7-L:6-E````$@````=S;&EC94E$;&]N9P`````````'9W)O
M=7!)1&QO;F<`````````!F]R:6=I;F5N=6T````,15-L:6-E3W)I9VEN````
M#6%U=&]'96YE<F%T960`````5'EP965N=6T````*15-L:6-E5'EP90````!)
M;6<@````!F)O=6YD<T]B:F,````!````````4F-T,0````0`````5&]P(&QO
M;F<``````````$QE9G1L;VYG``````````!"=&]M;&]N9P```"(`````4F=H
M=&QO;F<```#T`````W5R;%1%6%0````!````````;G5L;%1%6%0````!````
M````37-G951%6%0````!```````&86QT5&%G5$585`````$```````YC96QL
M5&5X=$ES2%1-3&)O;VP!````"&-E;&Q497AT5$585`````$```````EH;W)Z
M06QI9VYE;G5M````#T53;&EC94AO<GI!;&EG;@````=D969A=6QT````"79E
M<G1!;&EG;F5N=6T````/15-L:6-E5F5R=$%L:6=N````!V1E9F%U;'0````+
M8F=#;VQO<E1Y<&5E;G5M````$453;&EC94)'0V]L;W)4>7!E`````$YO;F4`
M```)=&]P3W5T<V5T;&]N9P`````````*;&5F=$]U='-E=&QO;F<`````````
M#&)O='1O;4]U='-E=&QO;F<`````````"W)I9VAT3W5T<V5T;&]N9P``````
M.$))300H```````,`````C_P````````.$))3001```````!`0`X0DE-!!0`
M``````0````".$))300,``````DB`````0```*`````6```!X```*4````D&
M`!@``?_8_^T`#$%D;V)E7T--``'_[@`.061O8F4`9(`````!_]L`A``,"`@(
M"0@,"0D,$0L*"Q$5#PP,#Q48$Q,5$Q,8$0P,#`P,#!$,#`P,#`P,#`P,#`P,
M#`P,#`P,#`P,#`P,#`P,`0T+"PT.#1`.#A`4#@X.%!0.#@X.%!$,#`P,#!$1
M#`P,#`P,$0P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`S_P``1"``6`*`#
M`2(``A$!`Q$!_]T`!``*_\0!/P```04!`0$!`0$``````````P`!`@0%!@<(
M"0H+`0`!!0$!`0$!`0`````````!``(#!`4&!P@)"@L0``$$`0,"!`(%!P8(
M!0,,,P$``A$#!"$2,05!46$3(G&!,@84D:&Q0B,D%5+!8C,T<H+10P<EDE/P
MX?%C<S46HK*#)D235&1%PJ-T-A?25>)E\K.$P]-UX_-&)Y2DA;25Q-3D]*6U
MQ=7E]59F=H:6IK;&UN;V-T=79W>'EZ>WQ]?G]Q$``@(!`@0$`P0%!@<'!@4U
M`0`"$0,A,1($05%A<2(3!3*!D12AL4(CP5+1\#,D8N%R@I)#4Q5C<S3Q)086
MHK*#!R8UPM)$DU2C%V1%539T9>+RLX3#TW7C\T:4I(6TE<34Y/2EM<75Y?56
M9G:&EJ:VQM;F]B<W1U=G=X>7I[?'_]H`#`,!``(1`Q$`/P#U1SFL:7.(:UHD
MDZ``=RLROKU#NFTYYJ?NS).#BM@W7@R[']*OV[?6IVY#_4]F)3^DRWTUU7*O
MUWU.K6'ZO8EOIML:'=5N#=VS%=I]E8[Z#<K/_FV;M_IXGVF[_N-ZM&Q^9TZG
MJ5M3QD]1IO;C.ZGE-=8]M%K*LAECZ<.K8UF*^_\`HN-3C8UOI_:+O2]6VU)-
M/38YO-+#DAK;RT&QM9)8'?G-8]P:Y[6_O[&;_P#1L3?:<?[2,3U&_:"PVBJ?
M=L!#/4V_N;W;5R?3\[]EY65;FW9#<>AOK"GT;?7R['M96[+--@MMKQZF,JQL
M6CU?4^T^O?F_I/24,2OK;\O]H=1J?4S*RMV:,0NR7QC`'IO26&AK?0Q,:YU_
MV_(_P^=7DT_T3*253VBR^L]6^PM%5)8+R`ZRRP$UTUEWIMON:SWVV6V?H,'#
MJ_6,_)_14_HZ\F^A\KKM.*"RZIPRO2]9N*TM=9[GLQL:JS:[TJ[LO)L^SX_Z
M3TWO]3]+^BM6#C]/RLW)ISJ\.^GK1M:_-S,LO;CXY;NKMKQ<-UGV?-L9CN?A
M8=^-5Z'H_K=N;ZW])2@.[O\`1^H.NH;C9EK7]1H8'9;6B-I/YCG,+Z'75>W[
M3Z%OZ.S_`$==U*T9"Y<]"ZPX9%+!750'M:!:_?\`:,>MQM.+8YM3G4?M!S[+
MNI9EOVC*NOONK]+T:Z;%3ZC3G5]1NMLM9FY8M99]FI:?YQVS'Z54_)R2,7#;
MA^O9=72_[9;Z]EG6*\3_``6.DT'LFVU.^B]KM7#0@ZL.RS_MM_L>LFOZV]#N
M!.-<[*'VAN+6:&.L%EC@'?J[V#T[F5L]2RU];OYNC(_T2S<3H'6,=MC:&4X^
M6RM].)EEYM92QS&LK?7O9]HRK_4:ZR_UOLU7KW9&1^L>I^DL8'U<ZAA?8;*,
MBIAPZW4,Q[&OOK8UY:ZRZNS?BV79UCFN];*L8SU&6?HJ,;]+ZR10[N\_*QZZ
MK;GV`5XX+KC^X`T6N]1OTF?HG>HH8^?AY18,>T6^I2S(86R0:K)]&W?]';;M
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MG=0JQ,=]H_2V!PJJI:0'/N=I5CM_=<]SO^ML_2O_`$:Q\CZNY-+;+_MF7U';
M8W(9BDTU.MN:[?3]JS*ZJK/L^/:[?56STV8]=?\`-7;/35S]BVFNIS+Q1?CT
MV5XY8P.95=;_`#F8RNTN]6]K?8Q]_P"_=ZG](N25HV,+.JFO"R,JJ[J.UQN9
M5H-S-IN#&:N;75ZK&^_WI\+J^!GWVTX=GK>BUKG6M!-1#G6U?HKX]*[;9CVL
M?Z3O8J-GU5PW4LQ&76U8/HW59-#'0[(=>:W69&5E?TE]SG5[[7>I^L?X;]%O
MJL+TOI.3TN@UU64VR62&U>@';170ZRW8Z_\`2,Q:F5TU8]>/C,]-E-=--/\`
M-)6C_]#TCI8Z<&9`P3+OM%GVLNGU/7G])Z_J_I=VSTO0W>S[']F^S?JGV=&H
M^R>MD^AM];U!]IV\[_3KV>I_Z#^BOEQ))3])_6%F0^K$%3V5U_:JM[G[H#B=
MF(XLJ8_U?3S'46MJ<_'KLNKJ]6_TMZOX(QQB5#&.ZD-AI/)_>+YAWJ[OYW?[
M_47RZDEU3T?I%K.A'JKW->1FMR6^LQ^Z77&EWV7=ZS=WH,QO6^R>D[['Z_K>
MG^M+87RLDDHOU2>/#S7/]+HK99@NR\FNP,=;7@LJ8]H?D`6_;<S++Q[.HV,;
ME;\9_P#,/^W?TFW^8^=DDE#J_522^54DD/U4DOE5))3]5)+Y5224_522^54D
ME/U4DOE5))3]5)+Y5224_P#_V3A"24T$(0``````50````$!````#P!!`&0`
M;P!B`&4`(`!0`&@`;P!T`&\`<P!H`&\`<````!,`00!D`&\`8@!E`"``4`!H
M`&\`=`!O`',`:`!O`'``(`!#`%,`-@````$`.$))300&```````'``@````!
M`0#_X1&W:'1T<#HO+VYS+F%D;V)E+F-O;2]X87`O,2XP+P`\/WAP86-K970@
M8F5G:6X](N^[OR(@:60](E<U33!-<$-E:&E(>G)E4WI.5&-Z:V,Y9"(_/B`\
M>#IX;7!M971A('AM;&YS.G@](F%D;V)E.FYS.FUE=&$O(B!X.GAM<'1K/2)!
M9&]B92!835`@0V]R92`U+C,M8S`Q,2`V-BXQ-#4V-C$L(#(P,3(O,#(O,#8M
M,30Z-38Z,C<@("`@("`@("(^(#QR9&8Z4D1&('AM;&YS.G)D9CTB:'1T<#HO
M+W=W=RYW,RYO<F<O,3DY.2\P,B\R,BUR9&8M<WEN=&%X+6YS(R(^(#QR9&8Z
M1&5S8W)I<'1I;VX@<F1F.F%B;W5T/2(B('AM;&YS.F1C/2)H='1P.B\O<'5R
M;"YO<F<O9&,O96QE;65N=',O,2XQ+R(@>&UL;G,Z>&UP/2)H='1P.B\O;G,N
M861O8F4N8V]M+WAA<"\Q+C`O(B!X;6QN<SIP9&8](FAT='`Z+R]N<RYA9&]B
M92YC;VTO<&1F+S$N,R\B('AM;&YS.GAM<$U-/2)H='1P.B\O;G,N861O8F4N
M8V]M+WAA<"\Q+C`O;6TO(B!X;6QN<SIS=$5V=#TB:'1T<#HO+VYS+F%D;V)E
M+F-O;2]X87`O,2XP+W-4>7!E+U)E<V]U<F-E179E;G0C(B!X;6QN<SIS=%)E
M9CTB:'1T<#HO+VYS+F%D;V)E+F-O;2]X87`O,2XP+W-4>7!E+U)E<V]U<F-E
M4F5F(R(@>&UL;G,Z<&1F>#TB:'1T<#HO+VYS+F%D;V)E+F-O;2]P9&9X+S$N
M,R\B('AM;&YS.G!H;W1O<VAO<#TB:'1T<#HO+VYS+F%D;V)E+F-O;2]P:&]T
M;W-H;W`O,2XP+R(@9&,Z9F]R;6%T/2)I;6%G92]J<&5G(B!X;7`Z0W)E871E
M1&%T93TB,C`Q-2TP-2TP,50Q-CHR-3HQ,BTP-3HP,"(@>&UP.D-R96%T;W)4
M;V]L/2)4;V]L:VET(&AT='`Z+R]W=W<N86-T:79E<&1F+F-O;2(@>&UP.DUE
M=&%D871A1&%T93TB,C`Q-2TP-2TP,E0P-3HQ-#HT.2LP-3HS,"(@>&UP.DUO
M9&EF>41A=&4](C(P,34M,#4M,#)4,#4Z,30Z-#DK,#4Z,S`B('!D9CI0<F]D
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M-3(B('!D9G@Z05!42U9%4CTB-2XU+C`N,34P,C@@4')O(%!R;V1U8W1I;VXM
M,S(B('!H;W1O<VAO<#I#;VQO<DUO9&4](C,B/B`\9&,Z=&ET;&4^(#QR9&8Z
M06QT/B`\<F1F.FQI('AM;#IL86YG/2)X+61E9F%U;'0B/DUI8W)O<V]F="!7
M;W)D("T@2&]R:7IO;B!"86YC;W)P("T@4&5O<&QE<R!"86YC;W)P($9O<FT@
M4RTT($IO:6YT(%!R;WAY(%-T871E;65N="U0<F]S<&5C='5S+F1O8W@\+W)D
M9CIL:3X@/"]R9&8Z06QT/B`\+V1C.G1I=&QE/B`\9&,Z8W)E871O<CX@/')D
M9CI397$^(#QR9&8Z;&D^<G(Q,S4Y,#,\+W)D9CIL:3X@/"]R9&8Z4V5Q/B`\
M+V1C.F-R96%T;W(^(#QX;7!-33I(:7-T;W)Y/B`\<F1F.E-E<3X@/')D9CIL
M:2!S=$5V=#IA8W1I;VX](F-O;G9E<G1E9"(@<W1%=G0Z<&%R86UE=&5R<STB
M9G)O;2!A<'!L:6-A=&EO;B]P9&8@=&\@87!P;&EC871I;VXO=FYD+F%D;V)E
M+G!H;W1O<VAO<"(O/B`\<F1F.FQI('-T179T.F%C=&EO;CTB<V%V960B('-T
M179T.FEN<W1A;F-E240](GAM<"YI:60Z-3DT1D0S.30U0D8P130Q,3@V03$X
M.#DX.3)%139$1C4B('-T179T.G=H96X](C(P,34M,#4M,#)4,#4Z,30Z-#DK
M,#4Z,S`B('-T179T.G-O9G1W87)E06=E;G0](D%D;V)E(%!H;W1O<VAO<"!#
M4S8@*%=I;F1O=W,I(B!S=$5V=#IC:&%N9V5D/2(O(B\^(#QR9&8Z;&D@<W1%
M=G0Z86-T:6]N/2)C;VYV97)T960B('-T179T.G!A<F%M971E<G,](F9R;VT@
M87!P;&EC871I;VXO<&1F('1O(&EM86=E+VIP96<B+SX@/')D9CIL:2!S=$5V
M=#IA8W1I;VX](F1E<FEV960B('-T179T.G!A<F%M971E<G,](F-O;G9E<G1E
M9"!F<F]M(&%P<&QI8V%T:6]N+W9N9"YA9&]B92YP:&]T;W-H;W`@=&\@:6UA
M9V4O:G!E9R(O/B`\<F1F.FQI('-T179T.F%C=&EO;CTB<V%V960B('-T179T
M.FEN<W1A;F-E240](GAM<"YI:60Z-4$T1D0S.30U0D8P130Q,3@V03$X.#DX
M.3)%139$1C4B('-T179T.G=H96X](C(P,34M,#4M,#)4,#4Z,30Z-#DK,#4Z
M,S`B('-T179T.G-O9G1W87)E06=E;G0](D%D;V)E(%!H;W1O<VAO<"!#4S8@
M*%=I;F1O=W,I(B!S=$5V=#IC:&%N9V5D/2(O(B\^(#PO<F1F.E-E<3X@/"]X
M;7!-33I(:7-T;W)Y/B`\>&UP34TZ1&5R:79E9$9R;VT@<W12968Z:6YS=&%N
M8V5)1#TB>&UP+FEI9#HU.31&1#,Y-#5"1C!%-#$Q.#9!,3@X.3@Y,D5%-D1&
M-2(@<W12968Z9&]C=6UE;G1)1#TB>&UP+F1I9#HU.31&1#,Y-#5"1C!%-#$Q
M.#9!,3@X.3@Y,D5%-D1&-2(@<W12968Z;W)I9VEN86Q$;V-U;65N=$E$/2)U
M=6ED.C`R8F5D-65E+64V8V$M-#DW82UB93AD+60V9#8S9&8Y930U,B(O/B`\
M+W)D9CI$97-C<FEP=&EO;CX@/"]R9&8Z4D1&/B`\+W@Z>&UP;65T83X@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`\/WAP86-K970@96YD/2)W(C\^_^X`#D%D
M;V)E`&1``````?_;`(0``0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0("`@("`@("`@("`P,#`P,#`P,#`P$!`0$!`0$!`0$!
M`@(!`@(#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#_\``$0@`(@#T`P$1``(1`0,1`?_=``0`'__$`:(````&`@,!
M``````````````<(!@4$"0,*`@$`"P$```8#`0$!````````````!@4$`P<"
M"`$)``H+$``"`0,$`0,#`@,#`P(&"74!`@,$$042!B$'$R(`"#$403(C%0E1
M0A9A)#,74G&!&&*1)4.AL?`F-'(*&<'1-2?A4S:"\9*B1%1S148W1V,H5597
M&K+"TN+R9(-TDX1EH[/#T^,I.&;S=2HY.DA)2EA96F=H:6IV=WAY>H6&AXB)
MBI25EI>8F9JDI::GJ*FJM+6VM[BYNL3%QL?(R<K4U=;7V-G:Y.7FY^CIZO3U
M]O?X^?H1``(!`P($!`,%!`0$!@8%;0$"`Q$$(1(%,08`(A-!40<R811Q"$*!
M(Y$54J%B%C,)L23!T4-R\!?A@C0EDE,88T3QHK(F-1E4-D5D)PIS@Y-&=,+2
MXO)59756-X2%H[/#T^/S*1J4I+3$U.3TE:6UQ=7E]2A'5V8X=H:6IK;&UN;V
M9W>'EZ>WQ]?G]TA8:'B(F*BXR-CH^#E)66EYB9FIN<G9Z?DJ.DI::GJ*FJJZ
MRMKJ^O_:``P#`0`"$0,1`#\`W^/?NO=)'>V_-G=<8([EWSN3%;6P0RN!P:Y/
M,5*TU-+FMTYJ@VYMS$P7N]1DLWGLI3TE+#&&DFGF55!)]^ZLJLY(45H"3]@R
M>E-5U=-0TM36UE33T=+24\]54U57-'3TM-3T\333U%3/*RQP4\$2%G=B%502
M38>_=:`J0.@RZ:[@VEWML7']F]>S393K_<-9DQLS=11$QV]L!CZR2@I]X[=M
M(TT^ULY44\KXZID5/OJ14J8@8)H9']]G5I$*-I/'_!T*OOW5.O>_=>Z][]U[
MKWOW7N@;[T[VV!\>=@U?8/8%9D#1_P`2QVV]M[9V[C9<_OGL/?.?F-)M7KGK
MC:M(ZY#=V_-UUX\-#04_)L\TK14\,TT=6)&=-1Y]>Q1BSA$`J6;X5`XD^?V?
M/'&@()_$OY-=E=_Y?O7`]G=(T?365Z:W[M[983$=F8CM7%Y"OS^R</O:NVOE
M-PX'#8O"T'8NP:;.4M+N+'44N1HJ&LJ$BBK:BS-[\AUAB&#4)&/*GD?F//I5
M/;&*.WD&K]12P!%#HK0-3B-1K0'T^?1T!]/^*?3W;I+CRX=>]^Z]U[W[KW73
M,%!9B`HY)/``_J3[]U[K&TJ(&+.BA5+DDV54`N68_0*`+W^GO=.J%NX)4:CP
MZ[AFAJ(HJBGECG@FC26&>%UEAFBD4/'+%(A9)(W0@A@2"#Q[UU?K)[]U[KJX
M!`OR?]]_L/?NO=1,AD*'$T%;E,E5P4..QM)4U]?6U4BPTU'14<+U%555$KD)
M%!3P1L[L2`J@D^_=;56<A4%6)H!\^LT-1#4113PRI)#/''-#(I],D4RAXG0_
ME75@1_K^_=:X8Z*S\X,CDZ#XH]VT^WZO.46[=Q;/FV7L:;:^:RVWMRG?N]ZZ
MBVILE,#E\!-3YJDR1W/EZ4H:5O*0"+$7'OW3]M$L\\<;L1&3DCR'$G./V]&8
MQZOCL=B:+(9!:JLCI:2@DK*F14FR5?!2@32C5I,M14&!Y"`+_4VX/O?2<FI.
MC*U/3CJX])!)^GUL3:XM;_`>_4'GPZJ2V0H&H==ZULW(]/ZO\.+^]=6)`%6X
M=%<^6WR;Q7QAZSQNX8,%+OKL_L7>&`ZGZ'ZJHJHT64[3[@WG)-!MC:\%3X:A
ML9AZ6*GGR68R#1O'C</0U-0RL8U1]]*;:W:Z9@C`*JEB3@`#HRV+;)-CJ`YE
M*&/,?8T9RL>,DJ)L:F2-/&:Y,=-5Q05,U"M5J$32(DC1V+*#<>_>G2:H)8"N
M.I_O76^B[9/O*KJ?D1M[X_;)VT-S5F-VM5]@=U;M^\>+!=3;6KEJ,?U]A*UX
M8)DKNP>S,Y#-)C\8TD+18;&UM=+Z!3)4>Z?CA_0EFF:AK1`!\7K4_(>GF1T8
MGW[ICKCJ'X/T-B;&P/\`3\>_=>]!0]<O?NO=?__0W]R;"_\`O7/OW7NJ/_D'
M\L/C?OC^85MC8'<G>W56P.F?@+0TO9N5V_NS>F"ILMW+\T=][<RL77VQ]G;.
MDFDSV_LY\=.JJJHS\V-PT-=DAN#=F("TPGI4NTS]Y&J@`_U?LZ/[2UNDVR:2
MVM=;S@AF`),<2$5->"AV!4DXHH'%NC.9O9':?SV@7&=H[<W)TC\+:F6.2NZF
MW`M=M[O;Y28RFF2HIJ7M>DIIJ:MZ8Z+S,B(U3M9G.Y]R4H-/F1BZ.2IQ=6]Q
MH>BTM!`&$:!YSY_@7'X?,L#YG`/`'CTMME_/+X\Y7L"HZSVK#EL;UOM/J/>'
M9W^FN3&X3;/0F,Z]ZPS6/V?F,CCL[79+'SP;,I,F\]'CLPE$F"R#XJL6AJ9X
MZ:1Q[%.J?32M"9B06+`4\R3G]OF?ED]&_H-_;-RVQJ/LS'[FP\_7V0VG!OJB
MWF*V!-NS;-JL2N>I]T#)3/'3#"281Q5BH9A'X#KOIY]^\NF&B=6TGXJTI\_3
MJK[XV?S!*O>^P>ROE5VU/G,1T7W%\C,;TU\(>J\5L^BKNQ-X[&PF;Q_6-/V7
M0PXVH_C.ZH^W=\5=5FM$H6+!82GA!-S(S^&<=&,MJK""TAC`N41FD:O$<0.)
M^$8P,UZMQ_U_>NBH<!7CTS;BW#@]I8#-[JW-EJ#`;;VWB<AGMP9S*U45%B\-
MA<122U^4RF1K)V6&EHJ"AIWEED<A41"2;#W[JRJSL%4$L>M:G;GSUS7RK^3;
M[HV%U-VK3]F+V#_H*^+&]N\>HMS;6^+'Q!P._,=41#N3L/-9R+%U>\OD[WQA
M*25<#@**$A*:HQV"^^HA6Y.IJ6)A?,8E6STPU;]6O`8%0M>[C0"@"D@FM:='
MOTNV1VX:7<X)`A#/#&Q,CL>`.-(5*$A@:Y)I4`@T_:.9W[L+KG=NQ?B]V)G-
ME[.Z;[!QFPZCL2@HL;6=N?+G^8%OSL?`3YG;^0GR.'R%+G-AXW/Y:IJ>P)Z2
MG2KR=5+5X^EFH*'"5A=U`%72IQ^7$>M*9]>K6Q1IXIKB!9E9&9DJ2(X5!]*4
M-,CT%#2K=6G0=TPY?Y`UO0NUL7!N&HV9U_3;[[<W139W'QTG753N>O%#UGLR
MKPM.M?DI]R[^IL=ELDD4YI%H\5CEG+R?=0*SE1Z>71*MJ8K5[AR=+L1&#\N-
M,<!4#^7ET5NO_F*;6KMJS;CZ\ZYS/8=5O7Y257Q5^,^#QNY</25'R:W+M6O7
M&]K]B;(KHJ?)4>)ZDZLEP>ZJFOSDYFII,?M.KJ5TI/2";5.C']TLKA9)](2$
M22G37PPU-(.<L2RBF"-7G3IIE_F)X/)=F=IX386V$[&V#M/<VS>DNL<CMRKE
M@S?<_P`B<KM_.]A[_H=N97(I#M+%](]2=8T%-D\_N^HF:BID6LDB,Z0P+5>Q
MTFN+%H($$FH7;48K3X4--)/G5B>%.'H>@?\`EI_,![>V!_+AVO\`)[KVDZWZ
MK[P[>WCM;KSJO;>^Z'<_:>U\_E=X[URVW\'D=B4>(78.<W;6[EV7C'W+M]*N
M"ECK*?QQRP7E`]^/PFBY'^K_`&>EEE81ON$UO.I:*,%C0TP`,'A0?9FOGU7S
MBNE/F!0[7ZC_`)=U%\_NW:WY)_+>DWAWG\L<=1]=]5_Q#X]_&S?^X*G-]Z;S
MW#N:KV[NC=>V.Q=[U>9H]D;*ITR$-+1YBNJIZ2,T>.=D+2RS-]*AG\8-WL)`
M-&`13M-*XTIF@J21BIK'+$JW&\-LUN-K0^'!J$F67@O]I1L$L3I`!XU(ZM]Q
M';>1Z7^1'QZ^`734N7[<R=!L*7LCNC<F^5H(H.A_C;MG"U&Q^N835[&VMMG;
M:[OW[O/$08_"4%1&M14T]%D:QD:*)I$,AYCHC6"*2UN+^9/#6@1%7@S\2<UP
M!6N?0="3\^ZSY,;?^.6>[`^*F\L)M?LCJ7-8?MO.83<&&QF5H^TNM.O5K-Q=
M@]205N5HZZFVUD]\8*E:&ER*Q:X9T6,20K*T\5&4.I361(?AH0N0:^8.*`UQ
MPSY=-[;)9QW:"_CU6S!E.&-"0:&BD&H.1G\CT4CXG_.WL+Y>?(W=V^L)T;\G
M-E_&O9FW=L],[.@S&U]CR[<W'W?G'7>7<6]MV9?`;ZR"I@^K,.<)MS'2Q&OH
M9JRIRDD;F93'&U;323AI'A")6@[@VJ@R<5IW5`SFE<5H%>X6%K8V5M;+<A[Z
M1FD+T92D=:(E"*5.6.*@4%6H3T+/RDW'CN]>Z\!\9ZW=*[;Z*Z53:'R&^:&Y
MUR\>%I*G&TV6%?\`'WX]/EX9ONXI.S=Z80[AW!3*L4LVWL)%0:RN;1&4&G3=
MBPL8)KXJ&GE!2*OX?XI1\Q\*DFE233MZ??CKG^Q_D?\`)7O'N/L7;<6S>N?C
MONNJZ(^.&SH]PM4[@J,GD=K;>S_='9_9V+Q\PQU%NK,R9C&X7$XJ8SM@\?0U
M3$K4UTXC]TBN(4ACM"K$NZ:F_,D#A]G\Z^@Z#GO3Y'8#=N0S7>T-!F]P_&?X
M<[FJZO#C'4XA'RG^6U7*O7?76PNL:AZ6I;.;-Z\WAN<T#9>/_(:O>E3`L)FB
MPU4YJV`6H<9QTJM+9F:.V#:9IB,_PQYJ33U'EZ#Y]$-^+.W^S^U\KLKY(_+'
MMK-;H[.[E[33Y'T&"W5N3(4'2/P9^)W2&=R8ILEUQ0UE5B,'L#+]X;FPM)0/
MG:I35YK#O,4=8*:M)2QW27`JC`4.<Y`S2OI6F*^F/7I8\<,@G:VM2MBA\*+3
MEI92!W&M213B`!3`'Q8]VY\]MR_*OL+N^KV[F,GM7X%;'ZDV;LOK#;:Y1-@=
MA?/7Y`?(?>&8VITQO+9VZZ3)[=[%V)\<<96[3KJFCR..K*)]P4%)49*5SBU5
M'<:\6!X8S)"99<(K'NI6A<#R"Y/GPSQ'3B;6JVB1Q"5;\3!Y9T!/@JE*0^:E
MI35&J*_A4CB3F[B^9.X,U!A_B]\4-_;7SVXNK>L.NZGY(_.7>-/+NGX^]$X&
MHI:'#4]5B:ZLKZ:E[T[^[(3'U,F`P5+6O04SS1UV6J&014%=N1O#=,L8Q\5.
M-/D`&)8\`*')X'I*-ND1FDG@U7+L?#@R&(()U24RJ+0UX,:$=HJP)!\2=[=8
M8CNS)?-#OKY#=@]S;G[5W=O7K3^5M\:.[>S\)F^\H=JI(-F=Q=Q4^SLS!LW'
M]<[G[OWAM:JDJHAC,/A]A[/I(*.4PRU533+5+I;AG65DB<+5HZT,2C\3U)HQ
MP6S3R!-.EE_:W<%JMA:PM)$E&E>-"P=CD*"`-6BI5<TJ:G@3T=W)_-#>/4GS
M,ZBZJ[@[^ZAS8[-ZA[A[![$^//6^+I=QY#I;![/GV3%U9D-KU^(BR';?8^\M
M[YG/U.,=9:**ES(AFEQV+IOM29+17NU7;RIMER9U2@+!U=03_%IRI-#0$DD<
M>'23]V7!V^\NI;*2)5=-&M2K$$'6#DJU#3X0`.%36I-OV!\D]V]7=);@[KW?
MUQFJ3/[HR^`VCT+\?WEH5['WAO/>60AV_P!;;5W-/225]%A-T[WSU='/D:>%
MZN';.&BEGJ7=Z:J"/D$$@D?E_J_U?SZ*XHA+((P<**L?0>9],?S_`#Z)AO[L
MGMKXOP]5_%;IO`CY`_S"/E?N>K[M[WW1MY(<-M#KS9'\6Q=!VKWCNW,YRCR&
M/V1L';6+H8-C];TN1@=Z^HI*6*.GJI:2LC?:\0&^&N?ET9K'!=ZKZY71M<(*
M(M30OIQ\R:]['Y^A%.LK_,,R?QNH/F%N3N_>%3\@]Q=7YNNBZWZ"Z#Z]@3=E
M,.L.J-N;R[IH<+-5Y"HSU7UEL/+[IIJ7,;]W=/C\9354$_\`F'D@H2V[1K+1
M9"U0>W%0/4Y'R/'!QZ];AVJ:Z:V*0^%;,!61JTS4#Y%C3M1<DD#Y])7XU[6^
M:'?ORTV7VY\G,_O/8E'\?\)DM[[TVSU_NC=.U_C3#NSN'8--+L'XS]=XA_L,
M;\CL?U-L/=*Y_?/9^3-32UF[I*+&X.&DI*6M@I;AJ$J,KZ^M?+Y@>1.3QZ43
MWMC;6<UOMZ`"4!6#4:0:<LTAIV,22%C`!5:%LGJ\+6FG7J&G]6K4--K:M5[V
MTVY_UN?I[UT'*=?_T=T#Y>?(W*]%;,V]M[K/;]-V'\D.[,X_7'QSZL\S*^YM
M\5,`FR6\=R^#54XOJ7J/"/)N#=V5TB*BQ5+XE?[NJI(IM^72VSM1.9))3IMX
MZ%SPQ_"/Z3<%'KT17;G\GSXJ=$?#;?G7VWMH8?<7?HV=NSL:O^56](:K+]LU
M'R9$==OY^_</NS*UN5SFQ\W_`*4(HLFB8NH@*4M/#2RM/'$"U2I$4T:,0)!G
M[:4%?L\NER[O.^X6L['5`C:5CX]AP4^=5QG\J<.D%\SNR.S.ZOA+\-^P<C\E
M.QOBST_\E=J;"QORY[!ZRZKQ>^#@]C=A]5?WSRLF/KXMO[AW9UK7[MW5C$VO
M19B"EJL;#3YYA51I(::0)V61K=$.I6QJIQ^=*>OE3UX=/V9@L;^_U6D-P8=0
MC5V(\Z`@"@8K\5#YBHST5K?6S?C33Y?J;K3=.Y^X^FO@3NR&AWQWE\C/D?M#
M=N-S/SNW;L^3';;ZI^/F9W!N'"8#+=?].;`VF9)\7C*S$;>V_-2RK!M['EDJ
M:M*EK6U)D:-HT-*&F&)QW\37S%:9K@=+'2[NM;Q""2\T8BA(TPH0"S``TU'\
M8!8CS/ETK/YEG?N3^?W5>_?A+\+][;FZMZEVKU4G<?RQ^2IV7NK8^S:?I''4
M^4INO?CWT[4Y+&8#)[HW3WSNS#"B:JQJQXZAP%!4%9:O[E:5UC_#&-5`XJOJ
M0*5(_:/3CCI+M4;[68;VZCCFNI"1'$:$4X.S\=-`:+^+)."*]##LKI'MWHKO
MOXZ]S?)_HS=_<NWNK?C?L_JGXR]:_#O9&4W%U7\:^PXX*ZH[/S?8FR-Q;EI<
MOG=^[JQE/BZ;#;PEBAQ.-C@J:8T]-52)6SL."7U`$XQYY\_S].DK3VTL#VMF
MPA8LQ=G.'&-*J0#0*/+S_:.K.]T?(O+]6=-=@_([O_:J=*==;)VW65U)L'/9
M3%;A[`R594Y2EQVT$R^7VOD,GMK$[EWGDZ^DQ-!M^A?*RG(UL2FL:1A`'1A1
MT66]O)<W*VMNI:0UI0>2U)/V``G[!T07YY]]=P;\W9UOU#U_\6-Z?(SIOJC-
M=8]G_P`QSK?KG-8')=D87`[GQ;Y_J?I39NTZVMI*?N'*_P!Y:>#<F[,'2F+[
MC;E!21F7Q9306;LW(@9K1%:<4(4L4U"O<`PK0D<*]I.#CI?MUG$C,US?_3RR
M`^'+I)0@$JWD3I:A0GBH+&A(IT]=PX+Y7?S&Z;9_4FW>O.UOAE\4)]W[2WYW
M7W)VPNW]J_*#?2=?;IHMW;?ZQZ`ZIQE=NJKZEDR6Y,/13U^^,_4T>2Q\$)3%
MXZ61EJ(2NRM[N[3ZB]A>%F;X&DU,`.!*I6)?EI+,?.@H#94V_96FD6Y6[NZ8
MT*1$I/X@6`9B0:$4`&1YU48.SOB#WK3=Y]*;B^-^4^/&PNH>G.KZK8G7L/86
MV-^;OW7T;N;=&4S</9_9_7>SJ#*X_:V_^PM^[+JJ3%)E=P96FGQY^_EF7(#)
M5L<QT%"@*H&GIE+N`6[K-&S3LY8D$#4*84XJ`#4T'^#'312?RS9MK9?N9.JO
MEE\@>J-J_)RA>O\`DM)@$V/E.X>S.S?[BCKV;M7;W>&X]OY3<?5^XLC@Z2B,
ME+AZ5:"ADHHQB8\9&2GNS*!JX$$=.Q;NP-N\EE$\\5/#8UH@&0&44#4^8/H2
M>JP-_P#Q]Z9Z-GI,IM_N+Y)_,W*?![XW;EZ/J^K-K;OV%\:OB-UOM6LR&UH(
M^L<YV)UWL:&7`=I]D4F$Q>WLS@]NUN=W;NEFC@RL$=$\D19^D@C:WE2"0"G;
M5R0!2AQP-<9IQSDYZ,Q>7%](L5Q:PQM=S:V"Q:ILZG:4:C14^*A9@H%="XZ-
M'LS^6_\`+"KCZ9[,[1WC\?\`L+<E/C^T<CO[XXMA=]=(=*[0R?=^5VMG<U3T
M>X.MI]T;L[:396W=EX798PF:CH-JY';^*B44-,1(DU+B$3>#73VL3E=5<4]1
MPZ8;>K=8[BWBM"H8*-8;O(3M`)8,H%,]H#:LUIP,]V5\"^\>Z]Y=(=Q=A?)O
M;^$[8Z'W'NS.=88/:O0>T=P](=5+O';M!M>;-=?[&WIFJO*5_<.U,)35--A-
MVYZMR=+CX\A4^+"()"HU-"2@9;AT<'&@`5Q2A4A@13]GJ,=(XMSMX8WMQMH>
M.3XF+D/4>984J#_`!0YKY="MG?Y>_5]:NU,WLWM+Y#]2]K;<AWA2YGO?KCL.
M@I>WNS*3L"MP^5WE1]IYG=6UMU[<WG193-8"DK*2"7%QPX&6$+AUQ\-XB[''
MIB6,\!\Z$_,M^(GB3Q/SZ8.]W#RNYMXRA.$:.L:>78GX<>GVFO2,H?A%O_X_
M]H[A[F^&W8>"H=T]K[>VS@?D3M[Y/R=C]Q4_<F7V7)7#9':$O9";SAW]M?L+
M:^,RM9C6IXS5[?J\9-%#'0T;TT4WM[LU:GJO'"\/YYZ<?<A=1BVO82PC'Z;)
MIC"@\10+0@T]`1Z]&KZ\V'W)64V9J?D!V)M3=U1GL#5X%]C]9[*J]F]<8>ER
M2F')S&7<>>W9O#=&5JJ4"-:BIK*>FBC:0)2!FU^Z=ID)#,0.&H#^6/RXG'25
MI8D>"2VB9)$(-2^JI%",4%*$5X?YNE#T%T+U9\8NF]@=!=)[8CV9U9UC@H]N
M[.V['6Y#)M04`J*BNJ9:K*9>JKLIE,CD<E635554U,TD]143/([%F)][H!2@
MZ;N)YKJ>6YN)-4KFIZ`O;GP:ZRPW=_9'<V8W3V+O2#L+LRG[D_T7;KS6-J^L
M,'V?!M/:6S:?>(P]'B:++;MK<%A]ET0P5-GZW*8_;DH>;&4]+4%9EW6GGTY)
MN$TL,-JT?9&ND-3.FI:E:\*G/KU.WO\`!CHKL#L?<O8F7;M/%#?[TM5VGU]L
M[N'L;9'4G;67H,7182@W!V1UQM;<F+V]N3-PX;&TU+-,T<8KX*:%*U:E8HPM
M!%$I9E4`DU\^/^#JL=]=1P&U(5HRI6I2,D`\=+$%EKP-"/E3H;>P^B>H^U.K
M*CI3>^Q,'DNKIZ;"4L.SZ"&;;N.Q2;9KZ'*[8EV[)MR;$UNV*S;64Q=-48^?
M'2TT]%-3QO"R%1[\\<<BZ)8PR^AX=,K)+&PDBD97'F./13NJ/Y6/P8Z87=M-
ML[I5J_";UR4^5SNT^P-^=D=I;.J*JIPU1M]M.UNQ]W;GPKPTN(JY(:1)895Q
MZN?M!!<^V_#@MJ/#:@-P[!D_;FG1C)O>Z7"QI)=O2,4!X$>>"!7[2./`]2>M
MOY97Q,Z^W7@-]9W9F3[QW?L3;1V'U/G?D+E8^W:GIKK2--%!UMU;3[CH&H=L
M[3QD!\4)\4^1,7IDJY`2#>*-(I6GB!68@"M34#T!.5'R%!TU-N5[-!]/XH6,
MDD@=H=CYR4IJ/S->`\^A7QWPVZ2H.Y\QW<^.W)D,SE,EM#<5%L/);GRE1T]M
M;>FR=K4>R<#O_:W5HDCVIB][T>U<;2T<60:&:2D6G5Z402M([T$$*7DMZL9^
MJ9:%JG(X>M*TQ6E:>?5#>736J6AD&A3Q'$YJ17C2OEPZP]@_!+X:]J+NH[\^
M,G2^>K-\[ADW9O#-#8>"Q6YMR;EF;749O+[JPM+C=QU>0JI"7F=JJ\SL6?4S
M$E1',ZL2!2HID`U^VO'\^FX;BXMV#P3LC?(GSZ#*I^+.*^,O7N'ZX_E[=%=.
M=,[C["WA083>/:QV_AY7ZSV?-!DJW<_:>;CKS-NWN7?./HXOX?M_%U];)3/D
M:V!ZV5,=33Q2;9M1K0#[``/V``=*5NOJ)UFW2:2:*-312QR?2N2H/XB,TX`G
MHS5-T1UPU-U9_&,5D=RY3IO<>0WGL3<6YLWELEN"BWKF,)N';N;WAD:Q:N"'
M+9O-8O=>227SQ/31BL80Q1*L82G1>9&E+.RZ:^7#'EC_`"=2]D](];=>[\[7
M[0VUM\P]A]V9;`97LC>.0K\AF<[GDVEB%P>T<%'6Y6IJWQ6TMJ8XS#&XFD\&
M/I)JNJG2(3U51))O\^MF1V4)F@X?+Y](O9/Q'^-_7>=[ZW/M/I[9E'N#Y19_
M*;B^0.5R&,_C]9VI59K$QX+)8[=,N?DR9J-LU&*5HOX0FC%KYIF6G#3S,]2,
M&BBOSZ4SWMY<):QO<'PX0`H\A3TIY_/CTANM_@?\<>JFP%)M/!]A/M?9\,5+
MLOKO<_=O<N]NK]GT%.7:CQ.W>N]W[[S>TJ+"8XR$4E"U))242V6GCB5$"Z41
MC"0*A`R1^+^?E]@Z>EW2\FC$;NM!6I"@,Q(`)8TJ30<>/0M_W*[>TZO]-]3?
M_3/_`'YM_HVVE_S*/5;_`$&:==_#I_YB6_\`%[\VMQ[O3[.D/BQ4U_3M332E
M<UI35^W-.'EU_]+='ZG^.&6VSWKV[\D^T]XT_8G:N_3)L+K]J3&28?;/2_QY
MP^8;+;:ZMV=C9ZJNGES&?RMLQNW-22+-G,J(%$<%'04-/#LGI1)<NT4=NBA8
M0:GU8^I]3Y#T\NC+[CPL.Y,!G-O5$TU-39[#9/"U%13%5J((,I0U%#+-`SHZ
M":*.H+(2"-0%Q;W[[>FHW\.2*2E=+`T]:=)3J7K;#=.=7]<=3;:J*ZJVYUCL
M+:?7V"JLI+'/E*K%[0P5!@:&LR4T44$,N0JJ:@5YV1$0R$E546'OV*?/JDSR
MSW4\[$!')-/0DU_V.E9G<IC=O87+;@S%4E%A\'CJW-9>LG&J&EQF*II:^NJI
M19CHIZ6G9^`2-/O8/540ZU%6).*5\_+C\^J5_A/6M\KZS=&YLL\>X8^Q>V<?
M\EOD[F\5E,?F]IX/*4U-M^N^)_P[H-R8\RXG>(ZTZNH\%F]W4](*FFH,BOVM
M4Z3Y&6$%%K62]GDCJ!@N<Y.0JCR[1DTQW`9(P;7L4EH$4QE,$)G)\F8^8U<!
MZ@5&,F[\*.;@<DGC\\WY_K[-`*5^WHL-/+HI_=WQK_TT=J]1]C[TW)6[HZ_Z
M!J*CLK8_QX3'8G';9W7\@\*]0_7W:&\MV51J<AD7Z_III/X#B_#!04.8F7*S
M-43TM&M/OI1!=RV\,T<:*'DP6SJ"\:+Z:J#5ZC%:<5'\7.H,IU'U>(]YKBI^
MW.Q]S9[MWO+,X66HFQ^;[=WV\%5N1J">H;R38;;=#34>"Q?IB5,1B:5%C0*%
M'JXZK=2+-*I2OA(*(#Y**_YR?M)Z,?;_`'W^M[]TQU[W[KW1-/G7NW+;0Z&F
MJ5JMQX/86<WWL;:G>&]MGOFX=U]==%[BSD..[+WQ@JO;8DSN)GQ>&E$,^2I8
MY)\11U,U>@4TP=?-0`EN&D_X.G;2,S2.H(U9H#YFF`/F?+HONP<7MOY3;WZB
MVOTWM>/:OP1^+FX,5O;#YNFP^2VW@/D#W%M85(Z_V[UICIXL?59CI_IW+329
MO,9^I1J?<.ZXJ&*D^YAI*VH**TE>YK(M/IE^$T(/["`:`8SFM?*G2Y6;:X)!
M)(#N,P*TK7PTX\1P8@4_TO'C06EJ&XO;Z6-B3S?CD@7X]KC3RZ*Q73W?%UR]
MZZWU[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW
M7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=?__3W^/?NO=>]^Z]U[W[
MKW3=EO\`BV5__`+_`(!U7_%R_P"+;_F)/^+C_P!,'_';_FUJ]['GU1_P<?B'
M#C_J]?ET`/Q-_P"9$;*_[)S_`.7]_P!DG?\`,A/^/CRW_'D?[5_SL/\`JX^?
MW1/A'P\3PZ<D_MF^/@/B_/\`U'\NC'^[=:Z\?H?^)^G^Q]^Z]UT/H/I]!]/I
M]/Q_A[]U[KOW[KW7O?NO=<?^*GWX\/+AU4<3]O7OR/\`7_XC\?X>_#AY<.K#
MBW7+W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7
HO?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7_V3\_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>19
<FILENAME>g915197dsp344.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g915197dsp344.jpg
M_]C_X0V%17AI9@``34T`*@````@`"`$2``,````!``$```$:``4````!````
M;@$;``4````!````=@$H``,````!``(```$Q``(````>````?@$R``(````4
M````G`$[``(````)````L(=I``0````!````O````.@`+<;````G$``MQL``
M`"<0061O8F4@4&AO=&]S:&]P($-3-B`H5VEN9&]W<RD`,C`Q-3HP-3HP,B`P
M-3HQ-CHP-P!R<C$S-3DP,P```````Z`!``,````!__\``*`"``0````!````
MZ:`#``0````!````1``````````&`0,``P````$`!@```1H`!0````$```$V
M`1L`!0````$```$^`2@``P````$``@```@$`!`````$```%&`@(`!`````$`
M``PW`````````$@````!````2`````'_V/_M``Q!9&]B95]#30`!_^X`#D%D
M;V)E`&2``````?_;`(0`#`@("`D(#`D)#!$+"@L1%0\,#`\5&!,3%1,3&!$,
M#`P,#`P1#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`$-"PL-#@T0#@X0
M%`X.#A04#@X.#A01#`P,#`P1$0P,#`P,#!$,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`P,#`P,_\``$0@`+P"@`P$B``(1`0,1`?_=``0`"O_$`3\```$%`0$!
M`0$!``````````,``0($!08'"`D*"P$``04!`0$!`0$``````````0`"`P0%
M!@<("0H+$``!!`$#`@0"!0<&"`4###,!``(1`P0A$C$%05%A$R)Q@3(&%)&A
ML4(C)!52P6(S-'*"T4,')9)3\.'Q8W,U%J*R@R9$DU1D1<*C=#87TE7B9?*S
MA,/3=>/S1B>4I(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]C='5V=WAY>GM\?7
MY_<1``("`0($!`,$!08'!P8%-0$``A$#(3$2!$%187$B$P4R@9$4H;%"(\%2
MT?`S)&+A<H*20U,58W,T\24&%J*R@P<F-<+21)-4HQ=D154V=&7B\K.$P]-U
MX_-&E*2%M)7$U.3TI;7%U>7U5F9VAI:FML;6YO8G-T=79W>'EZ>WQ__:``P#
M`0`"$0,1`#\`]1R,BG&I?D9#VU4U-+K+'&``.22N6/7.O_6"YU/U?K^QX3';
M7Y]XU.FK6,>U^QW_``>RRW_3?9$NN.M^L'U@K^KU3W5X6'%^>]O)(VN96T_R
M?49L_P"%L];_`+2+J,?'HQ:&8^.QM5-30VNMH@`!1:Y"0"8PB:)'S2DMUD>P
M#S@^I-UT.ZAUC,R'@:%KMH!/TMK;#?[?HIG?5/J^$"_H_6;V.;JRC(.]A)^E
MN/NK;^=_VEL74I)>QC[$>-RXOM5P!YGIWUHR\;,;TKZR4C$RG0*<ENE-GYK9
M=N<UF]WT?=]/]'9]FL].I=,J'6NCXG6,%^)D@3J:K8DUO@M;8W[_`'L_PC/T
M:S/J?U/)NHOZ3U`SG],?Z3R3)=7JVM^YWNLV[7,W_GU^C;_AD8DQD(2/$#\L
MO^YDH6#1U[%Z))))2+E))(5^5C8S6.R;64ML>*V&QP:'/=]"MN[Z3W_N)*2I
M)(-^7BX[JF9%U=+KWBND/<&E[SQ77N/O?_):DI,DD@Y67BX=7K9=S,>J0WU+
M7!C9<=K6[GPWW)*3))))*4DDDDI22222G__0VNF=5NZ;TOK/7FL99D7=0%;V
M/+@W;N;H'-W.]OVE_IK7=]8NLX>5A?M7`KHQ.HV"JLUV%UM3GD>DS)8YK6;]
M?TOI._\`4O-9)^S=%Z_TIS2YV-GUVQ!W.KMM96UVUG\FMGYO^%73'ZM]4R<S
M$/4^HC)P>GV"W'K;5LM>YG\T<JW<YCG-_/=6QGJ_\'O53&9U4;T`\N+CEQ\3
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M9M:ZFBC_`,]+I,7HEM'UESNM.N:ZK+HJI92&D.::_I.<_=M[?NKF?JMT=V#]
M9F=/=>,D]*ILLML#=K!9=M9Z=+=SG-_0V_I/4?\`SOK*/-^AWXXU_P!U_P`U
M;+IYAW?K3U;JG3\CIE/3O3+\NYS',L&CS#65UN?_`(*O?;O>]GZ3V(!ZIU_I
M/6<+#ZI;3FXW4W[&/JK-3JG^UI8QN^S?4QSV?SGZ3_,])#^NU!R,[HE`+V>M
MDNK]2N=S"[TOTK'0[:^K^=;_`,6K6/\`5K.MZI1U'K/4/MYPY^RU-J%30?S;
MK&M<YOJ?GOV?X1E7^#K])1GW#DD(WI*-:^F(KU6@WQ&KW'DYO4/K!U5F7DLL
MZIB=.=3:]F)A55_;+K6L/M=D>BY[\;U/ZF_^=_T*H]9S^H=5Z-T?/R#2/4R?
M3])K#ID,=;4S(]3?9^K.8S])C[?^NV+:Q_JKG8)RZL;J8Q^G9CW6WD4M^T`.
MG>QF4YVROV?X5U/L_P!'O_2*H>@XC^@X?3V=7HWC*??TR\;=C_<\,HK:+/TO
MNL]SZ_\`#ILH92"*.H.E_I<6BVI&]VUUCJ/UBPLWI73Z<BBS*S!:VU_I;*W.
MEOIOV.LML8S&K?ZFQMOZ?TT#J5O6,2[HF/U8X>;D6=0`;D>B"16#6QCFML_F
M,K=8Y_JT?0V5*P.FW7]0P<K,ZI5G9?2;+#DUTUM#_P!/L;CT>E6]WI-J<U_O
ML;ZEJ+U=G3NKY'3,NOJ%6.,'.<W;9`]1]-@JOQZO4=4[U6W4^FW;O_MIYCD(
MD1>\>$7^CZ>)=1-[]*U16]4ZWU;KF5TOI-]6#CX``NR7,%SW//YK:W.;7MW_
M`*/_`*U_UI9_UELZWD?5BZGK&/75D5Y;*JK:R/3N;PV]K-UCZ]W\M:5O1[;.
MIY?5^B]2^Q6.)IS&6U>I67U[6O=^D=5MVM]_]?\`XRU4G_5W!RNCY6+5UJN_
M)R[6Y^7EN+7,VM)K?<RBNW957['_`*3?].OT_P":KV5"4,A$P023Q=?17Z%1
M01+7?KUT;G1.O9G6NL$8CZZ.EX=</I>)OO+O;7>W_05UN9_KZGZOTRYK+P.G
MMZKT_KN#U"K%!:YEK6;7#*IK87N90QA'J/975^DV,L_1U5O_`.TM:W!U'!-3
M+3?6QMCFUMWN##O>`^NDM?M<VY['M_0_SBEQB0!$]3>_==&];[ME)5?VITX>
MKNR*V>C;]GL+W!H%I:RWT9?MW/\`3M8K+G!C2]VC6@D_`)ZY=)4V=6P7T8.0
MVPFKJ9:,0[7>XOK?ELW-V[JOT%3W_I4/)Z[T[&RCB6.>ZQGI^L:ZWV-J]8[,
M?[0^IKVT^J[]_P#,_2V?HO>DI__1ZKZRT9/1^J4_6?"9O8`*>HU#3=68;ZKO
M[+&,WN_F[*\7_`^JNBZ?U#$ZCBLRL1XLJ?\`(M/YU=C/I5V,_/8Y'L]/TW>K
M'IP=^Z-NV/=NW?FKD1T-M>2_-^IG4J6.]IOPQ8+*2"":_H>MMW?X-EC?_"]V
M.HB)0)E$<49&Y1_2O]Z*VB#8U!Z/8)+EQUWZX8T-R^AB]Q&CJ+!$CDD-^T[4
MS^H_7?J`V8G3JNFL?IZU[PYS?/;_`&?SL2Q+WX[`2,OW>&7$KC'C]CI?6+ZP
M8_1<6=+<RWVXV.))<X^UKWM9[_2W?Y[_`-#7^EL0?JET>_IV%9D9TGJ&>_UL
MDGZ0F7,K=M]NYN^RQ_\`PMUG^#5;I/1>F8/4A?U7J%>=UQY!:+;`',+@XM;1
M0Y_J?1W^F[_1_P!'JH_2+ID8Q,I<<A5?+']WQ_O*`)-GZ!2222D7-7J>!5U+
M`OP;B6UY#"PD`&)X.U^YC_\`B[&^G9]"SV+,R?JW?DFA]N=-E1+K(IK#'.-]
M/4&O94WZ&VW'V?I7Y'Z/W_TK]96ZDDIP*_JP]]E]F3D`[WW?9V5UM`KKNR6]
M1L#W.]U]ECZJOI?S/Z79^^FR?JJ;JW5MS"QIMRK`#6UVF7<S.>QVOZ3T<BO]
M'O\`9Z/^"]:NJ]G0))*<]_2&/P,_"-IV]0-Q<X@';Z[=CMK?HOV?RU7R/JZR
MVS(M9D.ILR&7LW-8R6F\8@<[5OYO[/9_VY_P=2V$DE./B?5VO&`=ZVZT-RP+
M-C9#LVRO(M>S?O?^C=5^?99ZO_:A]KU5/U.I;C5XU.3LKI%U537UML`HRF5,
MS<?]+N]1UEE7K5WV^H^OU/1L]>C]&NB224XG4?JW]N]<?:35ZU_K-<*P7U[J
M&X-K:[=S7[G,9OW?]8R:LK%_0+3KJR3]I;D6-<RQ_P"@#1!97L8S8\_X1_JB
MZW=_PFQ6$DE.%5]7<VK"P<4=0!/2WUNPW^@W05TVX6R]OJ?I=]=^[<ST?>CO
MZ+EFXW5]0LH.0*OMPK:`+'U!K?6Q]Q?]C?>QGHW[?5_0?S7I7_K"UDDE/__9
M_^T5KE!H;W1O<VAO<"`S+C``.$))300$``````!A'`%:``,;)4<<`@```JV<
M'`)0``AR<C$S-3DP,QP"!0!`36EC<F]S;V9T(%=O<F0@+2!(;W)I>F]N($)A
M;F-O<G`@+2!096]P;&5S($)A;F-O<G`@1F]R;2!3+30@2F]I;@`X0DE-!"4`
M`````!!J<&'GB#["4`ZQ[%H&^-->.$))300Z``````#E````$`````$`````
M``MP<FEN=$]U='!U=`````4`````4'-T4V)O;VP!`````$EN=&5E;G5M````
M`$EN=&4`````0VQR;0````]P<FEN=%-I>'1E96Y":71B;V]L``````MP<FEN
M=&5R3F%M951%6%0````!```````/<')I;G10<F]O9E-E='5P3V)J8P````P`
M4`!R`&\`;P!F`"``4P!E`'0`=0!P```````*<')O;V93971U<`````$`````
M0FQT;F5N=6T````,8G5I;'1I;E!R;V]F````"7!R;V]F0TU92P`X0DE-!#L`
M`````BT````0`````0``````$G!R:6YT3W5T<'5T3W!T:6]N<P```!<`````
M0W!T;F)O;VP``````$-L8G)B;V]L``````!29W--8F]O;```````0W)N0V)O
M;VP``````$-N=$-B;V]L``````!,8FQS8F]O;```````3F=T=F)O;VP`````
M`$5M;$1B;V]L``````!);G1R8F]O;```````0F-K9T]B:F,````!````````
M4D="0P````,`````4F0@(&1O=6)`;^````````````!'<FX@9&]U8D!OX```
M`````````$)L("!D;W5B0&_@````````````0G)D5%5N=$8C4FQT````````
M````````0FQD(%5N=$8C4FQT````````````````4G-L=%5N=$8C4'AL0'+`
M```````````*=F5C=&]R1&%T86)O;VP!`````%!G4'-E;G5M`````%!G4',`
M````4&=00P````!,969T56YT1B-2;'0```````````````!4;W`@56YT1B-2
M;'0```````````````!38VP@56YT1B-0<F-`60```````````!!C<F]P5VAE
M;E!R:6YT:6YG8F]O;``````.8W)O<%)E8W1";W1T;VUL;VYG``````````QC
M<F]P4F5C=$QE9G1L;VYG``````````UC<F]P4F5C=%)I9VAT;&]N9P``````
M```+8W)O<%)E8W14;W!L;VYG```````X0DE-`^T``````!`!+`````$``@$L
M`````0`".$))300F```````.`````````````#^````X0DE-!`T```````0`
M``!X.$))3009```````$````'CA"24T#\P``````"0```````````0`X0DE-
M)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&````
M```!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4````!
M`"T````&```````!.$))30/X``````!P``#_________________________
M____`^@`````_____________________________P/H`````/__________
M__________________\#Z`````#_____________________________`^@`
M`#A"24T$"```````$`````$```)````"0``````X0DE-!!X```````0`````
M.$))300:``````-1````!@``````````````1````.D````.`#D`,0`U`#$`
M.0`W`%\`,``P`#$`+0`S`#0`-`````$``````````````````````````0``
M````````````Z0```$0``````````````````````0``````````````````
M```````0`````0```````&YU;&P````"````!F)O=6YD<T]B:F,````!````
M````4F-T,0````0`````5&]P(&QO;F<``````````$QE9G1L;VYG````````
M``!"=&]M;&]N9P```$0`````4F=H=&QO;F<```#I````!G-L:6-E<U9L3',`
M```!3V)J8P````$```````5S;&EC90```!(````'<VQI8V5)1&QO;F<`````
M````!V=R;W5P241L;VYG``````````9O<FEG:6YE;G5M````#$53;&EC94]R
M:6=I;@````UA=71O1V5N97)A=&5D`````%1Y<&5E;G5M````"D53;&EC951Y
M<&4`````26UG(`````9B;W5N9'-/8FIC`````0```````%)C=#$````$````
M`%1O<"!L;VYG``````````!,969T;&]N9P``````````0G1O;6QO;F<```!$
M`````%)G:'1L;VYG````Z0````-U<FQ415A4`````0```````&YU;&Q415A4
M`````0```````$US9V5415A4`````0``````!F%L=%1A9U1%6%0````!````
M```.8V5L;%1E>'1)<TA434QB;V]L`0````AC96QL5&5X=%1%6%0````!````
M```):&]R>D%L:6=N96YU;0````]%4VQI8V5(;W)Z06QI9VX````'9&5F875L
M=`````EV97)T06QI9VYE;G5M````#T53;&EC959E<G1!;&EG;@````=D969A
M=6QT````"V)G0V]L;W)4>7!E96YU;0```!%%4VQI8V5"1T-O;&]R5'EP90``
M``!.;VYE````"71O<$]U='-E=&QO;F<`````````"FQE9G1/=71S971L;VYG
M``````````QB;W1T;VU/=71S971L;VYG``````````MR:6=H=$]U='-E=&QO
M;F<``````#A"24T$*```````#`````(_\````````#A"24T$$0```````0$`
M.$))3004```````$`````CA"24T$#``````,4P````$```"@````+P```>``
M`%@@```,-P`8``'_V/_M``Q!9&]B95]#30`!_^X`#D%D;V)E`&2``````?_;
M`(0`#`@("`D(#`D)#!$+"@L1%0\,#`\5&!,3%1,3&!$,#`P,#`P1#`P,#`P,
M#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`$-"PL-#@T0#@X0%`X.#A04#@X.#A01
M#`P,#`P1$0P,#`P,#!$,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,_\``
M$0@`+P"@`P$B``(1`0,1`?_=``0`"O_$`3\```$%`0$!`0$!``````````,`
M`0($!08'"`D*"P$``04!`0$!`0$``````````0`"`P0%!@<("0H+$``!!`$#
M`@0"!0<&"`4###,!``(1`P0A$C$%05%A$R)Q@3(&%)&AL4(C)!52P6(S-'*"
MT4,')9)3\.'Q8W,U%J*R@R9$DU1D1<*C=#87TE7B9?*SA,/3=>/S1B>4I(6T
ME<34Y/2EM<75Y?569G:&EJ:VQM;F]C='5V=WAY>GM\?7Y_<1``("`0($!`,$
M!08'!P8%-0$``A$#(3$2!$%187$B$P4R@9$4H;%"(\%2T?`S)&+A<H*20U,5
M8W,T\24&%J*R@P<F-<+21)-4HQ=D154V=&7B\K.$P]-UX_-&E*2%M)7$U.3T
MI;7%U>7U5F9VAI:FML;6YO8G-T=79W>'EZ>WQ__:``P#`0`"$0,1`#\`]1R,
MBG&I?D9#VU4U-+K+'&``.22N6/7.O_6"YU/U?K^QX3';7Y]XU.FK6,>U^QW_
M``>RRW_3?9$NN.M^L'U@K^KU3W5X6'%^>]O)(VN96T_R?49L_P"%L];_`+2+
MJ,?'HQ:&8^.QM5-30VNMH@`!1:Y"0"8PB:)'S2DMUD>P#S@^I-UT.ZAUC,R'
M@:%KMH!/TMK;#?[?HIG?5/J^$"_H_6;V.;JRC(.]A)^EN/NK;^=_VEL74I)>
MQC[$>-RXOM5P!YGIWUHR\;,;TKZR4C$RG0*<ENE-GYK9=N<UF]WT?=]/]'9]
MFL].I=,J'6NCXG6,%^)D@3J:K8DUO@M;8W[_`'L_PC/T:S/J?U/)NHOZ3U`S
MG],?Z3R3)=7JVM^YWNLV[7,W_GU^C;_AD8DQD(2/$#\LO^YDH6#1U[%Z))))
M2+E))(5^5C8S6.R;64ML>*V&QP:'/=]"MN[Z3W_N)*2I)(-^7BX[JF9%U=+K
MWBND/<&E[SQ77N/O?_):DI,DD@Y67BX=7K9=S,>J0WU+7!C9<=K6[GPWW)*3
M))))*4DDDDI22222G__0VNF=5NZ;TOK/7FL99D7=0%;V/+@W;N;H'-W.]OVE
M_IK7=]8NLX>5A?M7`KHQ.HV"JLUV%UM3GD>DS)8YK6;]?TOI._\`4O-9)^S=
M%Z_TIS2YV-GUVQ!W.KMM96UVUG\FMGYO^%73'ZM]4R<S$/4^HC)P>GV"W'K;
M5LM>YG\T<JW<YCG-_/=6QGJ_\'O53&9U4;T`\N+CEQ\3$+V'\M4?_./KW4,[
M/IZ#@T78_3G&I]N3:ZLV6M^G50VMCV?F_P"%L_[;4,OZW]1IHZ/8SI;J[^JO
MLKLPLAQJM8YI;36QKG5_X2Q[;/4M9_1_\&IGZM=;P,[-OZ#U&K&HZB\VW4Y%
M/J^G8XR^W'<VRMOYSO;;6GM^J.2?V)_E!^0_I5YOR+LK=99;N<RU^QQ?^B]]
M>RIGZ3TZE;94%/UD^M5G4,GH[>G8K^I8H;:]XN>*/2+=WTWU^JZVY[F,Q_9_
MI?6]/T?TE'ZO]8_:'UGP^IBL4.ZIC64Y-8)</5H).YA(9M:ZFBC_`,]+I,7H
MEM'UESNM.N:ZK+HJI92&D.::_I.<_=M[?NKF?JMT=V#]9F=/=>,D]*ILLML#
M=K!9=M9Z=+=SG-_0V_I/4?\`SOK*/-^AWXXU_P!U_P`U;+IYAW?K3U;JG3\C
MIE/3O3+\NYS',L&CS#65UN?_`(*O?;O>]GZ3V(!ZIU_I/6<+#ZI;3FXW4W[&
M/JK-3JG^UI8QN^S?4QSV?SGZ3_,])#^NU!R,[HE`+V>MDNK]2N=S"[TOTK'0
M[:^K^=;_`,6K6/\`5K.MZI1U'K/4/MYPY^RU-J%30?S;K&M<YOJ?GOV?X1E7
M^#K])1GW#DD(WI*-:^F(KU6@WQ&KW'DYO4/K!U5F7DLLZIB=.=3:]F)A55_;
M+K6L/M=D>BY[\;U/ZF_^=_T*H]9S^H=5Z-T?/R#2/4R?3])K#ID,=;4S(]3?
M9^K.8S])C[?^NV+:Q_JKG8)RZL;J8Q^G9CW6WD4M^T`.G>QF4YVROV?X5U/L
M_P!'O_2*H>@XC^@X?3V=7HWC*??TR\;=C_<\,HK:+/TONL]SZ_\`#ILH92"*
M.H.E_I<6BVI&]VUUCJ/UBPLWI73Z<BBS*S!:VU_I;*W.EOIOV.LML8S&K?ZF
MQMOZ?TT#J5O6,2[HF/U8X>;D6=0`;D>B"16#6QCFML_F,K=8Y_JT?0V5*P.F
MW7]0P<K,ZI5G9?2;+#DUTUM#_P!/L;CT>E6]WI-J<U_OL;ZEJ+U=G3NKY'3,
MNOJ%6.,'.<W;9`]1]-@JOQZO4=4[U6W4^FW;O_MIYCD(D1>\>$7^CZ>)=1-[
M]*U16]4ZWU;KF5TOI-]6#CX``NR7,%SW//YK:W.;7MW_`*/_`*U_UI9_UELZ
MWD?5BZGK&/75D5Y;*JK:R/3N;PV]K-UCZ]W\M:5O1[;.IY?5^B]2^Q6.)IS&
M6U>I67U[6O=^D=5MVM]_]?\`XRU4G_5W!RNCY6+5UJN_)R[6Y^7EN+7,VM)K
M?<RBNW957['_`*3?].OT_P":KV5"4,A$P023Q=?17Z%101+7?KUT;G1.O9G6
MNL$8CZZ.EX=</I>)OO+O;7>W_05UN9_KZGZOTRYK+P.GMZKT_KN#U"K%!:YE
MK6;7#*IK87N90QA'J/975^DV,L_1U5O_`.TM:W!U'!-3+3?6QMCFUMWN##O>
M`^NDM?M<VY['M_0_SBEQB0!$]3>_==&];[ME)5?VITX>KNR*V>C;]GL+W!H%
MI:RWT9?MW/\`3M8K+G!C2]VC6@D_`)ZY=)4V=6P7T8.0VPFKJ9:,0[7>XOK?
MELW-V[JOT%3W_I4/)Z[T[&RCB6.>ZQGI^L:ZWV-J]8[,?[0^IKVT^J[]_P#,
M_2V?HO>DI__1ZKZRT9/1^J4_6?"9O8`*>HU#3=68;ZKO[+&,WN_F[*\7_`^J
MNBZ?U#$ZCBLRL1XLJ?\`(M/YU=C/I5V,_/8Y'L]/TW>K'IP=^Z-NV/=NW?FK
MD1T-M>2_-^IG4J6.]IOPQ8+*2"":_H>MMW?X-EC?_"]V.HB)0)E$<49&Y1_2
MO]Z*VB#8U!Z/8)+EQUWZX8T-R^AB]Q&CJ+!$CDD-^T[4S^H_7?J`V8G3JNFL
M?IZU[PYS?/;_`&?SL2Q+WX[`2,OW>&7$KC'C]CI?6+ZP8_1<6=+<RWVXV.))
M<X^UKWM9[_2W?Y[_`-#7^EL0?JET>_IV%9D9TGJ&>_ULDGZ0F7,K=M]NYN^R
MQ_\`PMUG^#5;I/1>F8/4A?U7J%>=UQY!:+;`',+@XM;10Y_J?1W^F[_1_P!'
MJH_2+ID8Q,I<<A5?+']WQ_O*`)-GZ!2222D7-7J>!5U+`OP;B6UY#"PD`&)X
M.U^YC_\`B[&^G9]"SV+,R?JW?DFA]N=-E1+K(IK#'.-]/4&O94WZ&VW'V?I7
MY'Z/W_TK]96ZDDIP*_JP]]E]F3D`[WW?9V5UM`KKNR6]1L#W.]U]ECZJOI?S
M/Z79^^FR?JJ;JW5MS"QIMRK`#6UVF7<S.>QVOZ3T<BO]'O\`9Z/^"]:NJ]G0
M))*<]_2&/P,_"-IV]0-Q<X@';Z[=CMK?HOV?RU7R/JZRVS(M9D.ILR&7LW-8
MR6F\8@<[5OYO[/9_VY_P=2V$DE./B?5VO&`=ZVZT-RP+-C9#LVRO(M>S?O?^
MC=5^?99ZO_:A]KU5/U.I;C5XU.3LKI%U537UML`HRF5,S<?]+N]1UEE7K5WV
M^H^OU/1L]>C]&NB224XG4?JW]N]<?:35ZU_K-<*P7U[J&X-K:[=S7[G,9OW?
M]8R:LK%_0+3KJR3]I;D6-<RQ_P"@#1!97L8S8\_X1_JBZW=_PFQ6$DE.%5]7
M<VK"P<4=0!/2WUNPW^@W05TVX6R]OJ?I=]=^[<ST?>COZ+EFXW5]0LH.0*OM
MPK:`+'U!K?6Q]Q?]C?>QGHW[?5_0?S7I7_K"UDDE/__9`#A"24T$(0``````
M50````$!````#P!!`&0`;P!B`&4`(`!0`&@`;P!T`&\`<P!H`&\`<````!,`
M00!D`&\`8@!E`"``4`!H`&\`=`!O`',`:`!O`'``(`!#`%,`-@````$`.$))
M300&```````'``@````!`0#_X1&W:'1T<#HO+VYS+F%D;V)E+F-O;2]X87`O
M,2XP+P`\/WAP86-K970@8F5G:6X](N^[OR(@:60](E<U33!-<$-E:&E(>G)E
M4WI.5&-Z:V,Y9"(_/B`\>#IX;7!M971A('AM;&YS.G@](F%D;V)E.FYS.FUE
M=&$O(B!X.GAM<'1K/2)!9&]B92!835`@0V]R92`U+C,M8S`Q,2`V-BXQ-#4V
M-C$L(#(P,3(O,#(O,#8M,30Z-38Z,C<@("`@("`@("(^(#QR9&8Z4D1&('AM
M;&YS.G)D9CTB:'1T<#HO+W=W=RYW,RYO<F<O,3DY.2\P,B\R,BUR9&8M<WEN
M=&%X+6YS(R(^(#QR9&8Z1&5S8W)I<'1I;VX@<F1F.F%B;W5T/2(B('AM;&YS
M.F1C/2)H='1P.B\O<'5R;"YO<F<O9&,O96QE;65N=',O,2XQ+R(@>&UL;G,Z
M>&UP/2)H='1P.B\O;G,N861O8F4N8V]M+WAA<"\Q+C`O(B!X;6QN<SIP9&8]
M(FAT='`Z+R]N<RYA9&]B92YC;VTO<&1F+S$N,R\B('AM;&YS.GAM<$U-/2)H
M='1P.B\O;G,N861O8F4N8V]M+WAA<"\Q+C`O;6TO(B!X;6QN<SIS=$5V=#TB
M:'1T<#HO+VYS+F%D;V)E+F-O;2]X87`O,2XP+W-4>7!E+U)E<V]U<F-E179E
M;G0C(B!X;6QN<SIS=%)E9CTB:'1T<#HO+VYS+F%D;V)E+F-O;2]X87`O,2XP
M+W-4>7!E+U)E<V]U<F-E4F5F(R(@>&UL;G,Z<&1F>#TB:'1T<#HO+VYS+F%D
M;V)E+F-O;2]P9&9X+S$N,R\B('AM;&YS.G!H;W1O<VAO<#TB:'1T<#HO+VYS
M+F%D;V)E+F-O;2]P:&]T;W-H;W`O,2XP+R(@9&,Z9F]R;6%T/2)I;6%G92]J
M<&5G(B!X;7`Z0W)E871E1&%T93TB,C`Q-2TP-2TP,50Q-CHR-3HQ,BTP-3HP
M,"(@>&UP.D-R96%T;W)4;V]L/2)4;V]L:VET(&AT='`Z+R]W=W<N86-T:79E
M<&1F+F-O;2(@>&UP.DUE=&%D871A1&%T93TB,C`Q-2TP-2TP,E0P-3HQ-CHP
M-RLP-3HS,"(@>&UP.DUO9&EF>41A=&4](C(P,34M,#4M,#)4,#4Z,38Z,#<K
M,#4Z,S`B('!D9CI0<F]D=6-E<CTB5&]O;&MI="!H='1P.B\O=W=W+F%C=&EV
M97!D9BYC;VTB('AM<$U-.D1O8W5M96YT240](GAM<"YD:60Z-4(T1D0S.30U
M0D8P130Q,3@V03$X.#DX.3)%139$1C4B('AM<$U-.DEN<W1A;F-E240](GAM
M<"YI:60Z-4,T1D0S.30U0D8P130Q,3@V03$X.#DX.3)%139$1C4B('AM<$U-
M.D]R:6=I;F%L1&]C=6UE;G1)1#TB=75I9#HP,F)E9#5E92UE-F-A+30Y-V$M
M8F4X9"UD-F0V,V1F.64T-3(B('!D9G@Z05!42U9%4CTB-2XU+C`N,34P,C@@
M4')O(%!R;V1U8W1I;VXM,S(B('!H;W1O<VAO<#I#;VQO<DUO9&4](C,B/B`\
M9&,Z=&ET;&4^(#QR9&8Z06QT/B`\<F1F.FQI('AM;#IL86YG/2)X+61E9F%U
M;'0B/DUI8W)O<V]F="!7;W)D("T@2&]R:7IO;B!"86YC;W)P("T@4&5O<&QE
M<R!"86YC;W)P($9O<FT@4RTT($IO:6YT(%!R;WAY(%-T871E;65N="U0<F]S
M<&5C='5S+F1O8W@\+W)D9CIL:3X@/"]R9&8Z06QT/B`\+V1C.G1I=&QE/B`\
M9&,Z8W)E871O<CX@/')D9CI397$^(#QR9&8Z;&D^<G(Q,S4Y,#,\+W)D9CIL
M:3X@/"]R9&8Z4V5Q/B`\+V1C.F-R96%T;W(^(#QX;7!-33I(:7-T;W)Y/B`\
M<F1F.E-E<3X@/')D9CIL:2!S=$5V=#IA8W1I;VX](F-O;G9E<G1E9"(@<W1%
M=G0Z<&%R86UE=&5R<STB9G)O;2!A<'!L:6-A=&EO;B]P9&8@=&\@87!P;&EC
M871I;VXO=FYD+F%D;V)E+G!H;W1O<VAO<"(O/B`\<F1F.FQI('-T179T.F%C
M=&EO;CTB<V%V960B('-T179T.FEN<W1A;F-E240](GAM<"YI:60Z-4(T1D0S
M.30U0D8P130Q,3@V03$X.#DX.3)%139$1C4B('-T179T.G=H96X](C(P,34M
M,#4M,#)4,#4Z,38Z,#<K,#4Z,S`B('-T179T.G-O9G1W87)E06=E;G0](D%D
M;V)E(%!H;W1O<VAO<"!#4S8@*%=I;F1O=W,I(B!S=$5V=#IC:&%N9V5D/2(O
M(B\^(#QR9&8Z;&D@<W1%=G0Z86-T:6]N/2)C;VYV97)T960B('-T179T.G!A
M<F%M971E<G,](F9R;VT@87!P;&EC871I;VXO<&1F('1O(&EM86=E+VIP96<B
M+SX@/')D9CIL:2!S=$5V=#IA8W1I;VX](F1E<FEV960B('-T179T.G!A<F%M
M971E<G,](F-O;G9E<G1E9"!F<F]M(&%P<&QI8V%T:6]N+W9N9"YA9&]B92YP
M:&]T;W-H;W`@=&\@:6UA9V4O:G!E9R(O/B`\<F1F.FQI('-T179T.F%C=&EO
M;CTB<V%V960B('-T179T.FEN<W1A;F-E240](GAM<"YI:60Z-4,T1D0S.30U
M0D8P130Q,3@V03$X.#DX.3)%139$1C4B('-T179T.G=H96X](C(P,34M,#4M
M,#)4,#4Z,38Z,#<K,#4Z,S`B('-T179T.G-O9G1W87)E06=E;G0](D%D;V)E
M(%!H;W1O<VAO<"!#4S8@*%=I;F1O=W,I(B!S=$5V=#IC:&%N9V5D/2(O(B\^
M(#PO<F1F.E-E<3X@/"]X;7!-33I(:7-T;W)Y/B`\>&UP34TZ1&5R:79E9$9R
M;VT@<W12968Z:6YS=&%N8V5)1#TB>&UP+FEI9#HU0C1&1#,Y-#5"1C!%-#$Q
M.#9!,3@X.3@Y,D5%-D1&-2(@<W12968Z9&]C=6UE;G1)1#TB>&UP+F1I9#HU
M0C1&1#,Y-#5"1C!%-#$Q.#9!,3@X.3@Y,D5%-D1&-2(@<W12968Z;W)I9VEN
M86Q$;V-U;65N=$E$/2)U=6ED.C`R8F5D-65E+64V8V$M-#DW82UB93AD+60V
M9#8S9&8Y930U,B(O/B`\+W)D9CI$97-C<FEP=&EO;CX@/"]R9&8Z4D1&/B`\
M+W@Z>&UP;65T83X@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`\/WAP86-K970@
M96YD/2)W(C\^_^X`#D%D;V)E`&1``````?_;`(0``0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0("`@("`@("`@("`P,#`P,#
M`P,#`P$!`0$!`0$!`0$!`@(!`@(#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#_\``$0@`1`#I`P$1``(1`0,1`?_=
M``0`'O_$`:(````&`@,!``````````````<(!@4$"0,*`@$`"P$```8#`0$!
M````````````!@4$`P<""`$)``H+$``"`0,$`0,#`@,#`P(&"74!`@,$$042
M!B$'$R(`"#$403(C%0E10A9A)#,74G&!&&*1)4.AL?`F-'(*&<'1-2?A4S:"
M\9*B1%1S148W1V,H5597&K+"TN+R9(-TDX1EH[/#T^,I.&;S=2HY.DA)2EA9
M6F=H:6IV=WAY>H6&AXB)BI25EI>8F9JDI::GJ*FJM+6VM[BYNL3%QL?(R<K4
MU=;7V-G:Y.7FY^CIZO3U]O?X^?H1``(!`P($!`,%!`0$!@8%;0$"`Q$$(1(%
M,08`(A-!40<R811Q"$*!(Y$54J%B%C,)L23!T4-R\!?A@C0EDE,88T3QHK(F
M-1E4-D5D)PIS@Y-&=,+2XO)59756-X2%H[/#T^/S*1J4I+3$U.3TE:6UQ=7E
M]2A'5V8X=H:6IK;&UN;V9W>'EZ>WQ]?G]TA8:'B(F*BXR-CH^#E)66EYB9FI
MN<G9Z?DJ.DI::GJ*FJJZRMKJ^O_:``P#`0`"$0,1`#\`W^/?NO=!)W;WIU3\
M=.O<SVCW)O'&[+V;A%C6:OK?-45E?6U#B*BP^"Q%%%4Y7/9O(3,$@I*2&:>0
MW(72&()M_P"8=GY8VR?=]\OD@L8^)-223P5%%6=R<!5!)].DUU=V]E"T]S*%
MB'\_D!Q)^0ZU[^U/YP/RH^2'8-=U5_+WZ5S#4HHU>'<&6V6=Y=GU4:L[U.9J
M,%_%8^O^M,%+``M-+FZJHFE8ZB('`B.-6\>]G-W-.XOL_MIL4E*?&T7BSD?Q
ME=7@P*?+Q22>.#V]`V?F7<+Z9K?9K0Z:<2-3_;2NE!Z:B?RZ8)OY>7\W_P"0
ML>/?O'Y,3[3QE;?,RXW.=R;EJVP>6QM,U#BQ+L_J7&8#;$%974LK:I*.M,<>
MIGE1Y6(]I3[9^]O,PB/,'-9@A;NTO=2'0RBB_I6RI&"17*M05)()ZK^Y>9+W
M2;N_TJ<T+G!'#M0`?L/7!_Y./\P[9C4^ZMC_`##Q60W;A*J"JP<%+V9WKMJI
MBJ9&-++5P9NOK\]24<M)25$CV>CF$@NHTD@^]'V/]S;#3>;?SNC7L9!0">[0
MUX$AV+@$`G\)KPQUK^K.]14DBW,&0''=(/YU/^#J)FODC_.4^`;4>0[UVR>[
M>LC4BE.9W!C*7L?"B&B>&BC6H[&ZQ@HMV;/GR%%0F:&?/T%0'\KS3!I=4:TG
MYH]\_;DK)S#:?7[36FIU$Z4&,SP:9(RP%09D-:DM5J@::^YGV>ANX_%@K2I&
MH?[TF1_MA\SU;S\*?YG?Q\^9D--MW'59ZQ[B-.U3-U1N[*T$]9F*5`[_`,3V
M!N:F$&&W[C&AB:1EI?'D:>-2]120II9IKY#]V.6N>0EK%)])OE*FWD8$L/XH
M7%%F7C731P`2R`4)$FU;]9[F`@/AW/\``Q&?FIX,/LSZ@=6/^Y1Z.^O>_=>Z
M][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW
M7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z_
M_]#>C[O[DV/\?>I]]]R]C9$XS9VP,#4YS+31QO-553(4I\?B<?3Q(\E3E,UD
MYX:2EC`]=1.@X!)!/O\`OFW\M;-N&^;I+HL;:,NQXD^2JH\V9B%4>9(Z3W=U
M%96\UU.U(D%3_D`^9.!UJY=2]1_(K^=-\BJ[N?N:LRG7OQSV!D:K"(,-4ZJ+
M9V/?QU$O4O4<]3"]'D^R,C3O#)NC=+PNM'=45/\`@)21XC[+LO,WOOS/+ON^
MR/;<L6S%!H.(UP3;VQ(HT["AGG([<"GP(`#;6U[S1>FZNB4LD-,?A_H)_2_C
M?R_8.MH+H[H/J/XW["Q_6O3&R,/LC:E`S5$M-C82U=F,G*JBKSFX<M.9<EGL
M[7N-4]752RS2'\V``RVV#EW9N6-NBVO8[%(+1?(9+&E"SL:L['S9B3^70]M+
M.VL81!:Q!(QZ>9\R3Q)/F3T,'LZZ4]>]^Z]UPDCCFCDAFC26*5&CEBD57CDC
M=2KQR(P*NCJ2""""#[T0&!5A53U[CU0A_,+_`)2F&ST$_P`B/A5MY^ONZMI5
MU%NFHZTV'64>S\+NO(XJKDKSNKKQ*:.BAV7VW1-H-*U+4T&.R/CT3J)F\KXZ
M>Y7LQ;W*GF7D.W^EWV%UD,,1\-'*DGQ(=('A7`P1I*H]*$:C4A#>N75<?6[6
MFBZ7.A>T,1FJ\-+^E"`?/.>AH_E7?S&:GY48"OZ3[HJ?MODCUOCJB7)9>HIL
M;B:3M;`X[)3XJOS^/Q5%3X^#$;OVS7Q?:9_$Q0!::4)41$Q3,D!][0^YTG-U
ML^P[^VGFFU0EF(51<(#0N$`73(A[98PM`:,I()"J>7][_>"-:7)_QZ,9.!K`
M-":>3`X8>7'SQ<5[F[H3=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]
MU[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?
MNO=>]^Z]U[W[KW7O?NO=?__1N,_G!]E]B_);Y4],?R]NJVC:&GRVS,_GHX4J
M&DG['WI%D'PF1S3LS4J;?ZQV!Y\XP\?JFJE9I`8E7WBA[V[MN?-7-^Q>VFS^
M3Q.]*YFE#:2_EH@AK+]K9.``!.99Y[[<+79K?A52?],U:$_)%JWY];"'172>
MP/CMU3LWI_K3"TF$VKL[%0T,"4U/'!/E<BX\V8W%EG2[5F<W#DWEJZR=RSRS
MRL2;6`R5Y>V#;>6-GL=DVJ!8[.!`!04+-Q9V]7=JLQ.22>AE:6L-E;Q6T"@1
MJ/VGS)^9.3T+GLZZ4]>]^Z]U[W[KW7O?NO=>]^Z]UJV_S2>I=P?![YA]2?/7
MI#%STF+WCO$YO=>,HJG*4N,E[4QE,TFYL)DI\<RST>W^Z]BI/%5TJ.(ZJMHY
MVT%YK-B+[N[-<^W_`#OLON-L$)6&>?7(H+!3<*/U$8KD)=1:@RC#,K&E6R`=
M_MWVK<[;=[5:*[U(S36.(-/)UK4>9!]>MEWK?L#;/:W7VRNS-F9"'*;4W]M?
M![NV]7PNKI48K/XZGR5&6T_HG2*H"R(;-'(K*P#`@95[5N5IO.VV&[6,@>SN
M84D0CS5U##\\Y'D<=#F":.XABGB:L;J"#\CGI:^U_3O7O?NO=>]^Z]U[W[KW
M6"JJJ:BIJBMK*B&DHZ2":JJJJIE2"GIJ:GC:6>HGFD98X888D+.S$*J@DFWN
MKND:-([!44$DG``'$D^0'6B0`23@=%=^+WS/^/WS$HM^U_0^[*[<T'7&XH=O
M;E_B&WLU@&'WXKI,#G,8<M1TT65V[N:DQTT]!50LWEA34RI=00GRISQRYSHN
MXMR_>-+]+($DJC+\0)1A44*N`2I!KCN"G'1?M^Z66YB9K.0L$:AJ"/6A%>(-
M*@^8Z-3[%W1CT'O;':FQ>D.M]Y]M=F9R+;>PM@8*KW%N?-S0U%2M#C:,+J,=
M-2QS5-54SRND4,4:,\LKJJBY]EV[[M8['ME[N^YS>'86Z%W:A)`'H`"22:``
M`DD@#IBYN(;2"6YN'TPH*D^@Z0GQH^2_5/RUZGQ/<_3>3RN2V;E<GF\)ISN%
MKMO9O&YK;N1FQF7Q65Q.019J:KI:F*_I+HR,I5C?A!RQS-M7-VT0[ULTCM9N
MS+W*58,IH01Z^>"0010]-6%_;[E;+=6K$Q$D9!!!!H00>A]]B#I9TR[DW#B-
MH[=S^Z\_5?8X';&%RNX<W6^*:?[/$86AGR62JO!3QRU$WV]'3.^B-6=K64$V
M'MBZN8;*UN;RY?3;Q1L[&A-%4%F-!DT`)H,]5=UC1Y'-$4$G[!D]%S^*/S)Z
M)^:.R\UOGHK/9G*XS;6:CP.X:#<6V<QM;-X?(5-%%E,<*K'Y>FAUP93$U$=5
M!)"\JF*0:M+AD`9Y1YVV#G>RN+[8+AWBBDT.'0HRFE1QP0RY4J2"/0U'2';M
MTL]UB::S<E5-"""I&*C!]1GHTWL6]&'7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U
M[W[KW7O?NO=>]^Z]U__2MV_E@U,GR%_FI_*WY`Y^@QU)D-MT_9^3H,;,)9ZO
M$U&XM[TW66$&,JJ8TU*TF.V=LN:EJI98R9Q4!@H<NPQ)]I7/,WO!SCS+<QJL
MD0G95XE2\H@3210=L415B1G56E:GH!;"?K>8-PO'4!EUD#TJVD4^Q5H?MZ-#
MUS_.RR7;U?D=@=6_"WM+L'O0;LRM!@.L]K[[V[4XG+;&V])44^X=\Y7?M?@\
M=C=K'&5D*1"BK*4),T\86JNU@,=I]^)-\FDVS:>1[JXW_P`9E2%)E*-$E=<K
M2Z`(])&G24H21WYZ7P\U-<EH;?:I'N]1H@84*CBQ8@`4]#^WHQWP[_FE[-^3
MG<>XOCIOWJ#>GQY[SPLFX4H=D;MKXL_%EYMH@MNK"OD:;%86JPVZ=OTZFHFH
MZNCCAFI/W::HG%P!-R1[NV/-F^77+&X[+/MG,$9>D4AUZO#_`+1=05"LB#N*
MLH!7N5CTNVWF"*_NGLIK9X;L5[6S6G$5H*$>A'#()Z#7OC^</A-I?)*?XJ?%
MKXW=B?,SM?!5>0Q>\Z?KO<6*VW@=OYW%$)F<'2YJNQ6;@KY]K3.D>:K:@4&(
MQ<TBPR5C5"R0QS$$Q4F@Z/BWD!THOA]_-LVS\COD)EOB=VU\?NR_B]\AJ2+.
M5.+V-OFMI,Y39./;N+7-Y+'U.13&[=R.)SK8377TL4E`]%D*")YZ6KF5;>_%
M*"H-1UX-4TIGH$ZK^=])7=[=W?''KSX9=M=I]L;#WSN+874NUME[OP==7=N5
M^R-T5N%WSE\ZQP8HNJMN;?P]"V1%74S9-)59(G\+$LN]&`=6.O:LD4Z2&U/Y
M^5!FZO?_`%WF?A9W5B_DGB-PXC9W67Q\PN97=.YNQMZ3UTU'N;:F9KJ?9^.J
MNN,MLR&!JNL%;CZE&HU9T8NC1CQCX=V.O:O*F>BV?*'^9'B/F]U-\F?B3VI\
M7-]="=Y]2[5R7:VT<-EMWX;?4\._NF<IA,QN+;.5CQ>W\74XC+0[2RU54J8!
M4TU;B_N"M0@9!+%GO3M";E[;<QR&(R2VJ)<(%%2&C=<\#@*6U<.PMFG1)S%$
M)]HO*H2R`./M!'^2M?E7JUC^3/V-6[_^!?6U!DJJGJZSK3/[VZRC=,D^0KAB
M-N;AJZC;HR<<GKQTR[?R=,L%./0E$L!0E&'LO]C-T?<O;K:HY'#/:22P?%4Z
M4<E-7\/8RA1PT:2,'JG+$YFVB!6(K&S+QK@'%?3!'Y4Z#_\`FV?.?NWX9K\=
MATX=GTL6]MS;MS6]JO=.&ESC93;NP8-N5,FT*2%9J=<32;D3/2"IKXB];3B&
M/P`$O<N]Y?<+?.1!RU^Y1"!<2RM(775581&?#`\E?6=3#O%!I(S5GF/=KO;/
MHOI2H#,2U16H6G;\JUX\1Y=%^[*^5?\`.)@ZPI_F!A>F>E>N>B\309+=5;TG
MD8ZW>O9PZ\^W2>DWCO=C4X;)2TB47^6)%A9J+(Q4[EZB@THP]AK=></>]=I7
MG:WV.PMN7D0R&U-99_!I422Y1B`.ZD11P,M'0=(I]PYE^G_>:VL26@!/AGN?
M3_$W`_/%#3B.C<],_P`S[!]M?!GMSY5T/6.7KNQ.B<3E*3L+IC;5;)EYZO>-
M'04-=AX]K9:&BFKJ[:FZ:3*4]53U#T?WD,!F1H))(1Y1SL'NK;[[R)N_-<&V
M,=RL05EMPV#)0:"KT/Z3A@VHBJC4*-IJ3&UW]+C:+K<1;L9X0=48SW`5&D\2
M#6HQ7Y=$WV;W=_.O^1W72=]['A^.OQ]Z\D@R4V'VOV!MRNV]F-PXZCFDJH,W
M&F_Z#-Y*DQU>Q%!155=)ADK`JU'V\,4BS$!66_>_7,^V_P!8MN&U[;M?=ICF
M0HSJ"2'_`%0Y`;X%9C&&^+2%(8EL5WS3?0"\B\"&'R#"A(]>X$T\@3IKQH.E
M)\;?YA/R\^9GQ?\`DEC]A;%Z/I_D=U+4X6:<;A&[\5UWN?JW=M#GDRPQE+29
M;(5&.['PZX"N@IEJ,DV+J9/!.Y2)V0*^5?<OG+GKE+FB/;K"P'-%EI)UB187
M@D$E0H#DB9=#`%I-!)#4I@WLMYW+<["^6&*+ZV,CC4*4-:TI6C"AI4T.#T1#
M^2]7_+NGW#OO'?%S!].Y#JZLW3U'4]\Y[N"LSM-D\3@Z6#)Q4&.V13[;JUK9
M]P9+:\V0E1I:2>D6JAC$DD8.EHY]B).=5N=QBY1M[%MH::V-V]R7#*@#:5B"
M&I=HRYRI4,!4CS*.5SN0>5=O6(P:D\0O6H&<+3S(KY4KT<3Y#_S*/FAL?Y\]
MK?%_I?:77_8,=7%@.L.F=D5V#DH:FC[`W-MC;.ZJ?L+<NY7R\,F0H\+#6URU
M=)+-C\8*18Y'DB:)WE'',WNISSM_N-O/*.Q65O<ZM$%K$5I29XTD\:1]56"U
M;4I9(](!)!!),[S?-TBWBYL+6-'&$1:4[B`=1->`S48%/3H3*#Y%_P`S#I_X
MQ?,K<OS5Z>ZKR4'5G4453UYNM(MLS8_?FZ]V5,V*K\1GMM[?S&5VYN39^!Q>
M:I9*@"DQXJ'CEHY/(S-*AQ'S/[I[)R?SQ=\^;+:,]I9_HO2,I*\G:0RH[))&
MH<:AX:`T*$L2=+XO=^MK'='W2VC(CB[3CN8X((%05`(]*Y'SZ$;X*_,;$[+_
M`)8>2^2O;6T]@[5PW4^1[%QE9MWI'8.)Z\P>>DP.ZVP>#APVRL941[?QFYMY
M9NNABD%/]M1M5U.LK&FH@R]O^>+>P]IY>:MWLK>"VLVF4I:Q+"KZ)-"A8UH@
MDE<@'2%74U:`5Z?VG<UBV%KZYC15C+"D:A0:&@HHP"Q(^53T5+J;Y8_SAOF[
MC]R]N?&S;?1'5_5NULIDL7C<!N*FI<A_?#+XRII:VHVGC]R[EBJJ[-YBAHYT
MI:K))3X'#^21TCD$L3,H-V;G+WNY^BNMZY5M-NM-HA=E5'`;Q64@F-7>I9@"
M%9Z0QU)`.H$@OMMQYEW427-C'#';J2`#FI'D">)\B:*.C$?&7^8/OCY<=,?-
M;J#NKJ^FZX[QZ'ZJ[&H]Y#;D>9?:F0:3`;OPE=1U%-DHZQ]G[GPN5QABEQLV
M1KC50.M532O`6TBGE3W'W+G/8.>MGW_:!:[]M]G.)-&KPV[)4(HU3&Z,I!4N
M^KXD8@&BRPWJ7<K;=+:ZM]%W#&VJE:<"//X2".%349&.JO/Y7GSJZJ^#GQ*[
MTW#O1*C<V_MW=B;:7K;K+#SPQ9G<M30]38>^7R]5+JBVOL:CKX!!69>='CCD
M/CACGGM$8B]HO<'9_;_DSF*ZOP9=QFN8_`@4@/(1;H-3$_!$&PTA!IP`9L=$
M.P[M;[3M]V\O=,SC2HXGL&3Z+ZL?L%3CJ^3^6QV3\U>WNI]S]D?,3`;8VU%N
M_<<&=Z7Q>-VU)M/<T>PLG225LO\`>/"OD*F>DQ<-3/'!A_O:>FRTU'"U15A_
M/$1D7[7;KSSO>S7.Z<ZVL<(GD#VRA/#?PF!)UK4D)D"+6%E*@L]=2GH7;%/N
MMS;R3[FBJ&:L8`H=)]17]E:&F3QZL:]R;T=]>]^Z]U[W[KW7O?NO=>]^Z]U[
MW[KW7O?NO=>]^Z]U_].W3^2(KT?S4^:E!6QR4.0_@^>!QU=&]%D%-+WMO/[I
M6H:E8JM6I?NXO*"@,?E35;6M\2/8$&/GSGR.0:9?#?M.&Q=RUP<XJ*XQ45X]
M`+E7&Z;H#@T/_5QN@4_E&_+?H7XJ]G?(B/OW*XGK_$]EY9H-K=LYC#Y6IHXL
MMM7<FZJC(]9U6<QU'6QXXY"BR:96DI"H>IDCG8GT1`DGLKSCR_RCNW-1YAD2
MWM[ENRX96(!CDDU0LZ@Z00P=01DUJ?AJDY<W*SVZXO1>,$60X<@\03V5'K6H
M'GGH2M@;PPGS-_G@8+M[X\U=5N7K?8L>#W)N7=YI,EB<:^W-B]9Y;9=?EB5A
M^Z%!N;<&X*.EQ2U:0'(*I<HL*!_9EMU[!SU[_6^]<L2&7:K?0\DE"HT0P-&6
MX5I([JL>H#7Q(T]/PRING-:7-D=4"4);(PJZ:_820!7C]G0*_P`N#N'8'\NK
M^85\O.N?FIN`]:;HWC%E<;A.QM\T57#29,-VEF]RX_,MD9%RF03;?:N+S]+7
MTF2\TE#-+CS'43">-0N8S`LHT]#X$`D'JRC:'\POXR?)3^9]U7M7XT?&+$_(
M[=.W-@YS:^[/F;A4H\7E.I]E9BEJ\CE9<0,MA4K<EUU#D(X,=45U358^2KKZ
M]Z;%QUB&8R5*L%-33Y=;J*XZ)9_*E-,_\Y7YS"3PM.D?R6>G654\\;#Y#;:C
MF>%9!Y(R8Y+,5`NK"_!][;X%ZT/B/2_Z`H,%'_PHQ^1<,%#B(S2[#WOEZ2*&
MEHT-/GJ[KGI/^+Y2G1$!BS%9#F*G[F=;32+52:V(E;5X_P!D.O#XCT1O^9IN
M/%[1_F_=R9FJHZNLIJ/K;:T-73X6C2LK*:HW!\<*O;\68JX$:,4]%0U6;@DK
M*N0JL%.=3$^D$%>Y-Y'8>W'.US,&,?[NE7`J:R$1CTQ5A7Y5/1;O,BQ;7N+M
MP\$C'SP/\/5UO\AC;U7B?AKNC,SRT,E/NGO3?591)3.[U,"8+%;8VE5QY`&-
M4CG.1P$S1JK/^PR$V8E1&GW=;62#D:[G8KIFW"4BG$:5CC.KYU0D<>VGV=%?
M**%=LD8D4:9OY``U_,?LZ*]_PH5BDG?XF10E5F>?N80%PS)Y_M.O3"'6/]QE
M,H`(7U$?3FWL)?>74M_4Q5^*MU3[:04Z+^<\_NZG'O\`^?>A"[%_G6?&S*_#
MS<V#FQNZ*7Y"YKKZ;J_/]-9/#Y3;R[8W?N+;-1@,IELEN[*4K82#9V*DEDJ8
MI1+)7U2^.G6`5#.(C/=/?CE:;DB[MS%,.9I+4P/;,K)X<CQE&9I&&@1KE@:E
MV%%"ZB:/3\TV+;9(A5A>E-!0@BA(H22<:1Q]3PI7HK_Q#PGR2^*?\HGY,=\=
M<+FMK[J[%W;M?<&P,C3[3GR&Z<%UCA?[I;!W-V=#B,C!4PT]-48:FR.0H:F:
MDFBI*&):UEDCTL`ER1!S1R;[+<T\Q[6CQ7=S/&\1\,EU@3PX9)])X`H'=6H=
M*#Q,BA"#;DOMOY;O[N"JR.P*FE2%%%+T/RJ0:8&>@.Z;W/\`R_NVNGJ;MCYU
M_++OSY!?(FOFSHI/CM5]B=D9"/<*4.:K5VUL';.V=LTE;#O/';MK9*6L$L=1
M'24\\NF**FCIY`2CEVYY`WGE^7>>?N;=RW+F(L=5H9)F^%SX4*:5:HE;2U5=
M%J:`*%/2*WDV6YMTN-WW*::^-:1:W[LX4*OQ`X/H/("G0^?R-,K.F]/F?U'6
MX?+XWL+-=4[:RR;9R=,F+K\,V#R.\]MUFWLY3Y22@K,7FZ3)[HI82D\,:C2[
M.R6`)S]WV5Q?<];-);R)N,EFC!&&DKH:1"C!J%7#2**$#U-/-=RFWZVZ6Q4B
M<Q@T.*4+"AKP-2./0.?RC/G+\=O@]M_Y*8[Y'[GRNRZC+9'KO[5:+;N5W*R9
M;8\.X-K[IVY508""OJJ/.8FKKQ.R2QK#)212/'(Q4*Q/[)<]\N\AQ\S6G,MQ
M)#/,]N%`C9R7CUQO'1`2'!:N10J"03P*7EW=[':([\7TI2I7R)RM0PQ7(_P=
M&(V#E*#.?\*!*O)X:J3)4.5I\CN&CGHA)+KPF8^*>!R>/R,\2IYZ2EGH\O2L
M6F5-#5$:M9G4$2;;(EQ]Y"2>`ZX7JX(J>U]O5E)]`01QIQ`.>EL#*W.3%34&
MI'V&(&O\Q^WJWO\`FKI(_P#+Q^5?CBEE,?6K3NL,4DS)!3[@P<]3.Z1*[+!3
M4\;22N1ICC1G8A5)$U^\`9O;/G`*I)^E\A4X=">'H,GT&3T)>8/^2+N'_-/_
M`"CJH_XV=1[S[[_D9]H[%ZOCR^=WFG9/9.Y,/MG;=?"E1O&79O:5%N6OVA-!
MHE&6.5QN.E$-`&B>JK5@0.I/,,<K['N',/W?MVVW:UD>_P#JII%C0T,GASB0
MQD4.H.@)510LVFAST'+&WDO.4[B*WJTFMB`#\6EZE?GP./,TZG_RQOYHOQ/^
M.?Q=?I/O?=^2Z^WGUEG=_P"9AHYML[CR[;EP^:W,^=BI:.'%XNIJ<=NVDKLY
M-2S8FK2"H44AD&I20M_:;W;Y.Y7Y2_J_S%?-;7]I),P!1VUJ\FL`:5.F0%RI
MC:A[:\.&]AW_`&ZRL/I;N4I+&6/`FH)KY#XLTH<XZ'3XS?.GN+YD8C^8/F*O
MJ?;FV/C-C.GNQ<KUGV%C\+D,-DI:^/;^?Q-#M_<6?G\F&WYG<OMNE?+9":E:
M+^`R!*.02B6-P(>5/<+>N>8/<F=MECAY52QG:&8*58MH=0CO33*S1CQ'*G]$
M]AJ&%%EANUSN:[RYMU6Q$;%&`(/`BA/!B1DTIIX=5#_R_?@!0?-GXQ_(S>VW
M=PUJ=N]94^TML=18%:JB@V=E<^-JXW>63HMV22>-JT[KQ]8N)IM<\-/BI)%K
M'$I](A;VX]LQSURGS/?P3NN]VJQI;(:")FT"1A)6E?$S$,A8V[S4X`:V;:%W
M:QOI8Y/\9CH$%>TG2&[OM!H/(<<]7+_R8?FSG^V=JY_XD]MMG9>V^A<+45&$
MRVX)99LOE>N\/G8]I3[<W*];/+E!O'K/-O%C*N2>_P!Y3202*2R2VG+V+Y^N
M-ZM+GDW>3)^^MN0E6?XFA5Q&4>N1)`](S7XE*GR/0GY7W1[B-]MN:_4PC!/$
MJ#2AKG4IP:\<?/J]3WD'T+>O>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_
M=>Z__]2V',9W'?!7^=[E]P[IJ5PW6G>E:];4Y"&&F@HJ7#]_4U'1KD*Z2NFK
MIX<9B.Z-M%JZ:)X&M*&")`OC;$.>XB]O??Z:YO&\/:MQ:I(H`%O`!J-:D*MT
MG>01QK0**$`,Z[1S4SR8@F/'Y24_D'&?\W1R/Y9?\OS>W76QOE9L#YE=,;(R
MNU.R.Y\5N;:6V=QUNUNPL/FZ/`4V:@7=$-)3-D*?%B5LC&*9Y?!6F,N'CC'#
M#GVI]MK_`&S;^<-MYYV*W>SN[Y9(XY#',K!`X\0`:@.(TDZ7X@@>9GL6S2PQ
M;A#N=JAC>4%0:,#2N?EQQY]7#]8=.]4]*8&7:_4776S>MMO5%9+D:G$;,V_C
M=OT557SLS2UE7%CJ>#[JI;5;7)J8+P"``/<W;1L>S;!;-9[)M<%K;%BQ6)%0
M$GS(4"I^9Z$MO;6]JACMH51*UHH`_P`'2<[=^-W0'?L>/C[LZ9ZT[3_A31G&
M3;YV=@]Q55`L)J6CBHZW(T<]73TZO62MXE<1EI&)6YO[-@2.!Z>H#TY]3]#]
M*]$8F?!=,=4[`ZNQ-7(TM91;&VKAMMI6R-//5:JU\924\M85GJ9&7RLX0N=-
MK^_$D\3UN@'#K!M+X_\`2&PNR=\=Q;+ZHV%M?M7LQ%C[`[#P>VL7C]W[QC66
MFG\>X,[3TZ5^21IZ.%V$CD,\2,;E5(]4\*XZU0<>I6.Z-Z;P_;&>[VQ75^QL
M?W/NC`TNU]Q=H4FVL5!OC-;>HA2BEQ&2W''3+DJJAA2@@4(TA!2"-3=44#U3
M2GEUNGGU1[_//W%TIU?L;'M@=C[)H_DM\@8*;:>Z.Q<?MS#+V--T!LB>GRVY
M<%DMS*L.:7`[@S4>,Q24[NT-7&\D1LL6J/'[[PO-*[7RI!RW#,1=;C*"ZCC]
M/"0[USP=_#0#@U3Z5`4YLO5@L5M%;]28Y']!<G]IH/GU:G\`.FLAT)\.>@>L
M\YC5Q6Z,9L.@S&\*+73S3P;NW;-4;JW#3U=33TE$M544.2S#TVME9PD*J9)-
M.MI)]M]BEY<Y'Y;VJXBT7:6X:48)$DA,C@D`5(9BM?E2II7HXV>U:SVRS@=:
M2!*M]IR?YFG1!?YR'P\^0_RNE^-2]#[+HMW1;0SF^Z'>%14[FP6`;;5-NP;,
MBQV=G@S=;0/DL92+B*AYUHVFJAXP$B8N"(X]\>2.9N<3RJ.7;!9Q!),)29$3
M0)/""N0Y&I1I8D+5L8!KT4<S;9>[C]#])&&TEJY`I730Y\L'AGJU&O\`CITA
MN/<&"WQO/J+K+=G86$P:X1-Z9O9.W\KG6IY:/'4E9&<ED*"HK)HIDQ<(7RL[
M(D:A2![E^3EC8+JYM[^^V6TFW)(]/BO$C/2@!RP)/PBE:T`H.C\V5H[I-+;1
MM,!345!/EYG[.AFEI::>FDHIZ>":CF@>EFI)8HY*:6FDC,4E/)`ZF)X'B)4H
M05*FQ%O9Z41D,;*"A%"*8IZ4]/ETJ(!%",=%QSG7'Q1^-^*[`^0>4ZXZ@ZLH
M-I8&JWSOOL>DV-M_%5.'PNR\!5+/F&K,9B?OXGQN"CEC1*1?/*I\:*[N%)+9
M\L<N6%Y)?6.PVD-ZY4ETA16JHTJ00H(HN,4QTF2RLX9&FCM8UD/F%`.!3T].
M@$V/\E^C<7@N]?DM+\8>Z.K-S0[8ZWWINW)UG0=7+V;W1L/=T'\-ZIS&W)MG
M)G9MXY*II:98*G`35<>>VTX2/+T5`6C++H-HVRUO[S<K:PA3<;G2)9550\F@
M476U*MI&!4].)#"DDLR0J)7IJ(&33A4^?0:3]T?"K=&"[Z^2_:?Q5CPO9WQC
MWI%U+VOB,[U9UUV'V?!NG>DFSIL)AL%D]B93>.V=\56ZXM]8B[4V2GFI)ZAZ
M:J\$T$R*@N.4^6KO<!NESL%G)N-"/$:)"Q!XU)7-?4U/3+V-E)+]1):1F;(J
M5!.?\_2SH_D-T?6R]G=RT'6=+T1\D=@]G='_`!_[J':73T6=[-PL?8^\]BXK
M:V(J*_8&X%_O=L_=^+W<D6%W)C,SD,%&Z&H<U,-!+3>UR;-M46Y2[Q'MT`W6
M2,(TP11(R+P4O340/0GR`\AT\((!,UP(5$Y`!:@J1Z$\>N.U?G+3;CG_`)@%
M/VQU+F9NO/BCW9@^CL9@]E;6RO9F[.U,;NC9^RZIVFVE2Q3C(5V9S.]%C^R2
M`4=/B989ZF?2U1X%TL$<\30S1J\3J0RL`5(.""#@@C!!X].$*RLK@%3@CUZ9
M-N_*S9>R?C#OFO\`C[TCCNFLIT-\C.L_CKO3IC<^'VU2839VY-Z]L=5;=W5'
M0UG5&Y<OL[/2C:79Z5]/5XW)U,*Y%O%4CR13PA)MVU[?M%K#M^UV45O8H#I2
M-0B"N310`,GCTW#%#;QB*")4C'``4`_9T8[Y,X?XL]5=>[N^0O=?2^SMTX_K
M^LQ^],GD,?U5@]Y[WK]P355-MC$5&,HHL:^4SVX*JIS4=+"K.S'R`$@"X0W7
M+7+U_.MQ>;':2W`D$FIHHRVL`@,6*U)H2*FN.J26=I(VN2UC9ZUJ5%:^O#H(
M]G_.'J1,QM/IO)=#=I=5T<W:-#\;=ZX?.;)VE3;(ZA[2W=MA-S]=]=;B_NMG
M\OB,WCNS<'7TYH,AMV/+X&G:OIX\A54C3JOLUCL[:&W6TAMXUM`ND(J@)IX$
M!0``/E2G3P5%01J@$?"E,?93K/L7Y,_'CI7M';/QFVGTEN+I39F[>T]T]2]=
M[GI=C[;V1L'>W<^'H<EN/=F"V[LRER-)V-/AS28^0Q;MEP$>UZ^H"PP9&35`
M9$VV[1MNS6BV6TV$-M9@EM$2*BU8U)HH`J3Q\^J0PP6R"*")4CKP`H/Y=`9G
M/F+U)M3`_,'O_P"/_P`=JK9>>V+V-UALKLKY#]G]9T_7W6/<.3QG>.,Z4[.:
MFWK#EL5N#<J=08\U\D^1JUI\8&\4\<U3"E1HU:[+M5E?7VY6FW0Q;A=Z3-(B
M*'DTBBZV`JU!PKUI(((I)IHX565Z:F``+4X5/G3HT63^?/2E-U=M#M'$8_?.
M>I.V^V9.EOCSMQ,#2X'/?(K>4WW[X/)]5G=&4PN(J.NMR4.)J\A1[GRE5C,*
M^(I7KS.*1X)9C#2:TZ>KTDZWYYX+=&&^.6?Z?VGF-ST_:_RKJ/C%VA@\U0+C
MMU=/[HV]M;?N6WMM[<.,;+TE+3;LV[E]IPH6%14X^;&O)64\E1$U,9MZ>-?3
MKU>EQU]\Y>K>RN_MU]`;<VQV,<IM'>V\NL<EO.JP%#_=6/L;8..ES6X]NY"C
MH\O6;QVSBYL*GGQ&>R^+Q^W\]*LE-CZRHJ8_$?:32O7JYIT='W7K?1-?B5\B
M-Z]];G^7V%W?A]L8FE^/_P`L-\=$;-DVY%E8Y\OM';.T=BY^@RNY3DZ^NCDW
M%/6;GJ$F:E$%,8TCTQ!M1;9%*?9UH&M>I'P\^0>\_D'1?)*HWGB-LXA^G/EW
MWIT#ME=LQY2-,CL[K')8BCP.7SG\4KZ\ON2NBR#FK:#PTI8#QQ(+W\12GV=>
M!KT7'`?(CYX=X;?[9[E^.O771(ZYV+VUO[K7K3I[M2#=N/[+[LQ_46\Z[8&\
MMT+VSA=[+L?K>FW;N+#9$X-)L!F!2T]+&:PEYF2#=%!`)Z]GRZL2_O!OK_GW
MB_\`H78G_P"IO>J#UZWU_]7:,_F^?"^N^4WQ]CWEL+%G(=P]'#,;GVYCZ1(8
M\GO/9M91`;WV'2U;STK19"LI*.&OQI9G"Y"A1%0M.2(8]Z^1).;^6UOMNBU;
MWM^J1`/BEB(_5B!QD@!TX]Z``5;H.<R;6VX6?BPK6YBJ0/-E_$OV^8^8^?24
M_E,?S$\/\F^NL3TKVCN2@C^0FQ,+HQ[SQOCQVSU_B8HJ?&[OQ!JIY#7;LQ-&
MBQ;BHUTS0U"_<B/PRDQH_9KW-AYLVN'8MWNE',MO'BO;]1"H`61:DUD48F7!
M![P-)-&^7=Z6_@6UN''UJ#[-:C@1\Q^(>N>'5R_N<^A/U[W[KW7O?NO=>]^Z
M]T$/>G>W5WQNZSS_`&WW!N>FVKLO;PI8IZN2.6KKLEE,C4)1XC`8+%TJ25N8
MSV9K9%AIJ:%&=V)9M,:NZDO,',&T\K[5<[SO5T(K&(9-"68G"HBBI9V.``/F
M:`$A-=W=O8P/<W,FF)?YDX``\R3P'6M'\4MF]C_S6OGUEOE1VO@:S%=&=/YS
M$5M/M_()39?`4D&V:F7(]==%4-=48F3!;CJH,A.<YNYEA74:A8M:^6#3BIR=
M8;G[Q>XTW.&\6Y3E^RD4A#1D`C.J"T!*Z'.H^+<4'G2HU+T!=OBGYAWAMPN$
M(M(B,'(QE8ZTH?XG^W[.MKKWF+U(?7O?NO=>]^Z]U[W[KW0?=L]8[2[JZQW]
MU'ONDGK=G=D;2SNS-R4])/\`:5O\)W!CI\=538^L"2-19*E2?RTTX4M#.B.!
M=1[\#0UZ]T1G='\OG<G9_1':O3/=?R_[][2R/9.V.NMF46\ZT[6VY2;3V_U?
MNREWEA'AZ^P&,IME[DW!N_)TPI]WY')05$NY<:$HYA%`@4VU4(('6J>IZ#;=
MO\N3?&"^-WRAZLZV[DDS^]?D3GNC]PT%9D-E]==6[6ZQSO664V!C*[,[`P77
M6T*;#8JBI-J;)I*G&XNII*R!*_'QK)(ZU,[^]ZL@TZU3!ST.N*^"-%+LWLG'
M[^[GWQV)V?V]W-TWW!V#W!D\%L_"YO*CH?=&R,[UUL7&[6P.*H]HX#:6*QVR
M$HVCI:9)GDR%;5:Q-,-&M7RQ3K=/GGI`=F?RR]J=C8[YB[>_TT=AX':WS![-
MZN[ISF%I,=MVJ_N5V5ULFT*>I-!//2QP;RZZWWCMC8ZES.V<]!7T,].LJ(Z+
M,X.PU*8X=>I6O3[L?^7E0[5ZU[<ZVRO=NZMPX[MSN#I?NJLFH]@]9;+HMH[E
MZARW6>4;";.V[L_;F*P>,V?N2/JO'4OV3Q2OCZ<R>&9I&,AUJR#3KU..>C8_
M(KI/&?(KIS=_3N8W!E=K8[=[;<:HSN$@H*G*4/\`=S=F"W7"*:#)P5-"_P!U
M48)87UHUHY&*V8`C0-#7KQ%13H'=R?#+;>Y-W[EW?/OS=-+4;E^5G37RLFH8
M*'!-34F?Z:V7LS9>-V;`\M$T[[=SM-LR*HJIG)K$EG<12*H4#U?\'7J=`+A?
MY7^T\-\@L9WJ.Y=X5IPGR&R7R/Q^$K=F==5&Z<MNG-4&Z\?6;6WYW!+@).R]
M\[`PE/O"ICV_C*JM2/!0100PEXH(E7>K%*>77J=#WD?ACM;*?&K<WQGK=Z[A
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M=NO+X-MTXO"Y?![8AI?)',:FGUM+&X>Q][U`@5'6J9X]9^K_`(6]G=+]E[_W
M1UI\M-Z8/K;M#Y$[R^1&]>H:_JGJ;.4&1RW8&;I<KNO:M'O6OP9W?C,'74U%
M'2Q2QS?=TZ`NCZS?WXL",C-.O4IYXZ2>[?Y;U'DLAW!MSK[Y(=S]1]`?(O>N
M3W[WIT'LW^[$>)SV=W3/!+V(O6W8#XJ+L/I2A[-%.6S28&NBD:IGJ*FDDI*B
M=Y/?M7"HR.O4^>.C8?[*WT7_`,\74?\`H7[X_P#LE]ZJ>O4'7__6W^/?NO=:
M_P!_,"_E*;EW-OFL^3_PFR*[$[6BR#[MW%UUA,Q4['GR^[UDU3;^ZHW=C9Z9
M=B[^JH9I7K*9@E!EY3J,E/-),]1C?[C^S%U=[C)S;R%-]-O`8R/"C&(M+_OV
MWD4CPI3G6#V2'-58MJ!V\\NR22F_VIM%Q745!TU;^)&'PMZC@?EFH>_&C^=7
MN;K*M/2OS\ZUWOMW>^U`*'*=@8O:%;CMV4D:QJ,?_I*ZCDBBSD-?41Q/JRV#
M%725[^N.DB34_LMY5]^+O:7&Q^XVT7,5]%VM,L9$@H!3Q[>@8$_[\BU*U00@
M&>F;'FF2`_2[Q`ZRKQ8"A^6I./YK4'T'5RO7/SH^'O;"8S^X?R/ZDR]7EJ.M
MKZ/$5&\<3A,^*7&D+D'JMOYZ?&9FA-&3ZQ-!&=/J%UY]SCM?N%R1O(B_=W--
MD[NI(4RJCT7C5'*L*>=0/7AT)X-VVVXT^#>QDD<-0!_8:'H1<_\`)#X][5Q-
M3GMQ]Y=187#434Z5>3R'8NT:>CIWJYTIJ999GRP1#-/(JK?ZD^S.YYIY9LX7
MN+KF&RC@6E6:>,`5-!4ZO,]//?64:EWNXPH\RP_S]5Q_(C^=?\0NGZ":GZSR
MM?\`(;=22UM/-1;"*XW:&%DHII*:2?<&_=Q1T.$2`S)JC6@&0FFA_<12A5FB
M_F;WZY)V2-DVJ9MSO`2"(>V):8[YG`6E>&C62,C%#T27O-.VVP(@8S2?T<`?
M:QH/V5ZK"V;TG\Y/YQO8FVNUN]*V;I[XU;?J!%B/X939?;^WAAWJB<S2].;3
MS1J<EN_>63$:QR[PS4*T,,0'V6OQ?:&*++8/<#WOW*UW;F"3Z+E2-NW2&1=/
MXA;1M5I)6&#<2=@_!72$Z((K7=N9IX[F[/A6*\*5`IYZ%.68_P`;"GIZ=;/?
M4G4G7G1?7>U^JNJ]L8_:&Q=GXY,=A,+CD.E$U-+4UM;4R%ZK)9;)U4CU%75S
MO)4551(\LKL[$G+'9=EVSE[;+39]GM%@V^!=*JO\R3Q9F-2S$EF8DDDGH>VU
MM#:0QV]O&%B44`'^K)/F?,]"/[-.G^O>_=>Z][]U[KWOW7NO>_=>Z][]U[KW
MOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>
MZ][]U[KWOW7NO>_=>Z][]U[KWOW7NO_7W^/?NO=>]^Z]U7;\Z_\`AN+^%4O^
MSO?Z&_XM_#6_N]_>'3_I7^Q\Q\7]U/[L?\9%^T^]_3]M_DWDOKXU>XQ]P_\`
M6N\)/Z__`$/CZ.S7_N12O^A^'^O2O\/;7CY]$N[?N32/WKX6JF*_'^5.[]F.
MM6/Y.?\`#6GVE'_LO7^S9>;[G!_Q7^\?]SO[I?9_9UOW^C_3/_O[O[Q_?>#7
MJ_R/Z_;>G5[Q"YN_UH=*?U:_?.O4NK7X7A4H=5/J?U->JG]#^#%>H_OOZOT'
MT?U-<5KIIP_I]U:T^7IT77K/_9'?[[XG_2#_`+,E_='[?*_Q/^Y'^RZ?WI\W
M\/F_AW\-\7KT?>Z/-_9\5]7%_88VC_6__>$'[S_>OT-&U>%]%XE:'3II\Z5^
M72*#]T^*OC^/X6:Z?#K\J=;!7PD_X9"_C.&_NI_"O]*7W&,_A'^S:_Q3^\'\
M4^VQFG^[?]]_^,;_`'7\3OI_A7'W?E^V_9M[R5Y!_P!8'QH/H]'[VJNG]XZM
M>JB_!XOZ%=7^^_Q5T=M.AEM7]5=2>%3ZC%/&K6N.&KM_9Y\,=;%47B\47@\?
M@\:>'Q:?%XM(\?BT>CQZ+:;<6^GO)P4H----,=#7[.'63WOKW7O?NO=>]^Z]
MU[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?
KNO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=?_V3\_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>20
<FILENAME>g915197dsp345.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g915197dsp345.jpg
M_]C_X0DU17AI9@``34T`*@````@`"`$2``,````!``$```$:``4````!````
M;@$;``4````!````=@$H``,````!``(```$Q``(````>````?@$R``(````4
M````G`$[``(````)````L(=I``0````!````O````.@`+<;````G$``MQL``
M`"<0061O8F4@4&AO=&]S:&]P($-3-B`H5VEN9&]W<RD`,C`Q-3HP-3HP,B`P
M-3HQ.#HS,`!R<C$S-3DP,P```````Z`!``,````!__\``*`"``0````!```"
MDJ`#``0````!````<0`````````&`0,``P````$`!@```1H`!0````$```$V
M`1L`!0````$```$^`2@``P````$``@```@$`!`````$```%&`@(`!`````$`
M``?G`````````$@````!````2`````'_V/_M``Q!9&]B95]#30`!_^X`#D%D
M;V)E`&2``````?_;`(0`#`@("`D(#`D)#!$+"@L1%0\,#`\5&!,3%1,3&!$,
M#`P,#`P1#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`$-"PL-#@T0#@X0
M%`X.#A04#@X.#A01#`P,#`P1$0P,#`P,#!$,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`P,#`P,_\``$0@`&P"@`P$B``(1`0,1`?_=``0`"O_$`3\```$%`0$!
M`0$!``````````,``0($!08'"`D*"P$``04!`0$!`0$``````````0`"`P0%
M!@<("0H+$``!!`$#`@0"!0<&"`4###,!``(1`P0A$C$%05%A$R)Q@3(&%)&A
ML4(C)!52P6(S-'*"T4,')9)3\.'Q8W,U%J*R@R9$DU1D1<*C=#87TE7B9?*S
MA,/3=>/S1B>4I(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]C='5V=WAY>GM\?7
MY_<1``("`0($!`,$!08'!P8%-0$``A$#(3$2!$%187$B$P4R@9$4H;%"(\%2
MT?`S)&+A<H*20U,58W,T\24&%J*R@P<F-<+21)-4HQ=D154V=&7B\K.$P]-U
MX_-&E*2%M)7$U.3TI;7%U>7U5F9VAI:FML;6YO8G-T=79W>'EZ>WQ__:``P#
M`0`"$0,1`#\`]/RFY#\>QN,\5WD?HWN$@'Q<W\Y9K;NN.N..,C"-@UB+'/`'
MT]S0YC7/]U7^C5G,SZ&Y`PC86N+-]I9)>&R&LKK:R;/5O_X-N_TZ[/\`@T-F
M^JRI[:"TD&O%Q&P"UA+3?DW.^@S\S_U;D)*3X3>J-<X9KZK&G5IK!:6GNT3]
M.O\`=W>__C%;0[KZJ`TV&-[@Q@`)+G._-:UON_E._<K_`$G\VJ_4.HUX=;CH
M7L;ZC]QAK&#_``MI:'.V_FU,8WU;[/YO_">FE-Q)`^T^ECU690].RS8TUMEQ
M]1W^#9MESO=_T/TB*Q['SL<';26N@S!'TFG^4DIDDATY%%YL%+P\TO-5D=G@
M-<YG]G>@_M"E[<9U+77#+,U;1'L^DZ]WJ;/T36_]76DIM))))*4H75"ZFRHD
MM%C2PN:2"-PVRUS8<URFA95[<;&MR'`N%3'/+1R=HF$E-%O1'-&W]H9FW33U
M&CC^K6W:C8G33BVFP9-]H</<VUV^3$;G?^!_10,3J5%8<++K<RYS@;'4U66U
M-<6B68[Z:BS[.W;^^_\`2?3_`$RL?M2@?3IR6:Q_1[7=]G^"KL_._P#2G\TD
MIN)*D_JV%6=UMOHL`)(MK?620/4_1FUK-SFL;9^CVO?_`-M/2NZBYMU5=%%E
M[+*7Y#K6@[0QH;LK88_29-SK/T5'[GJ)*;J2S,7J5C&.^ULOLM<X$AF._8P.
M:SVU17ZKZ6.W_I+OTOJ>K_P5:*WK&(YY8UE[BWZ9&/<=KH:_TWQ5N99L>Q^U
M)3>254]1QSCF^G=?!(]-C2;):[T;?T,>K^AL_G?9[%#]I^Y@=CVM#K75E[F.
M`:&G:Q[O;_AOI5?F?OV,L]B2G__0[?(?U7IV#=GUTTNRLFQSLCU7P*V:LQ6A
MP&VWTF[&;/9^DL_G&5H6)T_:18+R\5T1]LO)/JM:#76'7/?9ZN.ZRN_/RO=^
MF99A?I?L_P"B6SU+9^SLK?MV^B_=OW;(VG^<]+]+Z?[_`*?O7(_J?KY$_LR9
M?NC[5,Q;_9]#Z7\U^A]'_K22GHVU79%E`R<E@LQI?<VMPW'=M+?HBOT:_P"5
M_.>A^C?_`#]BK9N4^GI^6ZK8S)M<Y[,EYK<P?I!5C7!CG^[T/T+*Z_3_`*1_
MX)F=0^R?8\>?L'\]1M]3[3Z?]'HV?1_[4?\`&_\`>;Z7VA!I^S_9<V/V-.W'
MG^>]*?69M^T[_P#`[OYG9_A_YW]&DIO5]-R[L;'&7UD-L]/U;K*[-KQ3`](5
MWA_^!?['YWZ.W*9?D?S7JJ[GU,;@UX--]&/C&O\`2&LFN=]E=-EE6SU=O\];
M:SW[[LS[/ZMOI>OZF-7Z7J/C]A?3?SZFZ=N/_.;O_!/Y'V5:=.S[-C1^S.7<
M;O3_`)^O^B[O^E_YL=B2DF%C=2RZ;[Z[ZZ<;+9MIJK;.UKSO^T^H6M;ZS<:W
M8UOIOJ_0T?I?13W8_4,-U.;?>U[<?;0*:M[/58ZS]&(=ZWZSL]!FQG]+NK_2
MW4X]FRC2Z9'V&J/1X_[3?S7_`%J?S$>SZ=7T?IGZ7/T7_P`U_P`)_P"BO424
MU<AW5!>\T,#J@:@P2W5NXG*=[MOZ39^C9[]G^%^G^A2K_:->1?98'7,L(%58
M<P5L:TNV[/8V[U+&N_3^K99_P*NI)*4.-=/)0NMKHILNM.VNII>\P3#6C<[V
MMEWT5-))3FV?6'HU#S5=D-JL;&ZL@DB1+?YL/;[F_0_?35_63HMC@UF2"YQ#
M6@-<9+CM;PW_`,X_/5^CZ#?H<#Z'''YO\E"O_IF+_,\V?SG\[]'_`+2_^CO^
M#24T7]8Z1E&NQX=8,:^W:^##+*/T-EG/O]F1^BV[_5J_2LK]BF?K-T8"?6?X
M_P`U;.IANGI_G.6HH?X<_1^B/Z_)_P"@DIIOZSABH6LWV-(?P-IFL%VS;;L=
MOLV_HOWT7!=CO%[Z*O2#KGFPD07/!]-UI;_+V;F?OT^G8K+/H]N3]'CE.DI'
MCX]&-7Z5#`QDDP/$G<XHB222G__9_^T17E!H;W1O<VAO<"`S+C``.$))300$
M``````!A'`%:``,;)4<<`@```JV<'`)0``AR<C$S-3DP,QP"!0!`36EC<F]S
M;V9T(%=O<F0@+2!(;W)I>F]N($)A;F-O<G`@+2!096]P;&5S($)A;F-O<G`@
M1F]R;2!3+30@2F]I;@`X0DE-!"4``````!!J<&'GB#["4`ZQ[%H&^-->.$))
M300Z``````#E````$`````$```````MP<FEN=$]U='!U=`````4`````4'-T
M4V)O;VP!`````$EN=&5E;G5M`````$EN=&4`````0VQR;0````]P<FEN=%-I
M>'1E96Y":71B;V]L``````MP<FEN=&5R3F%M951%6%0````!```````/<')I
M;G10<F]O9E-E='5P3V)J8P````P`4`!R`&\`;P!F`"``4P!E`'0`=0!P````
M```*<')O;V93971U<`````$`````0FQT;F5N=6T````,8G5I;'1I;E!R;V]F
M````"7!R;V]F0TU92P`X0DE-!#L``````BT````0`````0``````$G!R:6YT
M3W5T<'5T3W!T:6]N<P```!<`````0W!T;F)O;VP``````$-L8G)B;V]L````
M``!29W--8F]O;```````0W)N0V)O;VP``````$-N=$-B;V]L``````!,8FQS
M8F]O;```````3F=T=F)O;VP``````$5M;$1B;V]L``````!);G1R8F]O;```
M````0F-K9T]B:F,````!````````4D="0P````,`````4F0@(&1O=6)`;^``
M``````````!'<FX@9&]U8D!OX````````````$)L("!D;W5B0&_@````````
M````0G)D5%5N=$8C4FQT````````````````0FQD(%5N=$8C4FQT````````
M````````4G-L=%5N=$8C4'AL0'+````````````*=F5C=&]R1&%T86)O;VP!
M`````%!G4'-E;G5M`````%!G4',`````4&=00P````!,969T56YT1B-2;'0`
M``````````````!4;W`@56YT1B-2;'0```````````````!38VP@56YT1B-0
M<F-`60```````````!!C<F]P5VAE;E!R:6YT:6YG8F]O;``````.8W)O<%)E
M8W1";W1T;VUL;VYG``````````QC<F]P4F5C=$QE9G1L;VYG``````````UC
M<F]P4F5C=%)I9VAT;&]N9P`````````+8W)O<%)E8W14;W!L;VYG```````X
M0DE-`^T``````!`!+`````$``@$L`````0`".$))300F```````.````````
M`````#^````X0DE-!`T```````0```!X.$))3009```````$````'CA"24T#
M\P``````"0```````````0`X0DE-)Q````````H``0`````````".$))30/U
M``````!(`"]F9@`!`&QF9@`&```````!`"]F9@`!`*&9F@`&```````!`#(`
M```!`%H````&```````!`#4````!`"T````&```````!.$))30/X``````!P
M``#_____________________________`^@`````____________________
M_________P/H`````/____________________________\#Z`````#_____
M________________________`^@``#A"24T$"```````$`````$```)````"
M0``````X0DE-!!X```````0`````.$))300:``````-1````!@``````````
M````<0```I(````.`#D`,0`U`#$`.0`W`%\`,``P`#$`+0`S`#0`-0````$`
M`````````````````````````0`````````````"D@```'$`````````````
M`````````0`````````````````````````0`````0```````&YU;&P````"
M````!F)O=6YD<T]B:F,````!````````4F-T,0````0`````5&]P(&QO;F<`
M`````````$QE9G1L;VYG``````````!"=&]M;&]N9P```'$`````4F=H=&QO
M;F<```*2````!G-L:6-E<U9L3',````!3V)J8P````$```````5S;&EC90``
M`!(````'<VQI8V5)1&QO;F<`````````!V=R;W5P241L;VYG``````````9O
M<FEG:6YE;G5M````#$53;&EC94]R:6=I;@````UA=71O1V5N97)A=&5D````
M`%1Y<&5E;G5M````"D53;&EC951Y<&4`````26UG(`````9B;W5N9'-/8FIC
M`````0```````%)C=#$````$`````%1O<"!L;VYG``````````!,969T;&]N
M9P``````````0G1O;6QO;F<```!Q`````%)G:'1L;VYG```"D@````-U<FQ4
M15A4`````0```````&YU;&Q415A4`````0```````$US9V5415A4`````0``
M````!F%L=%1A9U1%6%0````!```````.8V5L;%1E>'1)<TA434QB;V]L`0``
M``AC96QL5&5X=%1%6%0````!```````):&]R>D%L:6=N96YU;0````]%4VQI
M8V5(;W)Z06QI9VX````'9&5F875L=`````EV97)T06QI9VYE;G5M````#T53
M;&EC959E<G1!;&EG;@````=D969A=6QT````"V)G0V]L;W)4>7!E96YU;0``
M`!%%4VQI8V5"1T-O;&]R5'EP90````!.;VYE````"71O<$]U='-E=&QO;F<`
M````````"FQE9G1/=71S971L;VYG``````````QB;W1T;VU/=71S971L;VYG
M``````````MR:6=H=$]U='-E=&QO;F<``````#A"24T$*```````#`````(_
M\````````#A"24T$$0```````0$`.$))3004```````$`````CA"24T$#```
M```(`P````$```"@````&P```>```#*@```'YP`8``'_V/_M``Q!9&]B95]#
M30`!_^X`#D%D;V)E`&2``````?_;`(0`#`@("`D(#`D)#!$+"@L1%0\,#`\5
M&!,3%1,3&!$,#`P,#`P1#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`$-
M"PL-#@T0#@X0%`X.#A04#@X.#A01#`P,#`P1$0P,#`P,#!$,#`P,#`P,#`P,
M#`P,#`P,#`P,#`P,#`P,#`P,_\``$0@`&P"@`P$B``(1`0,1`?_=``0`"O_$
M`3\```$%`0$!`0$!``````````,``0($!08'"`D*"P$``04!`0$!`0$`````
M`````0`"`P0%!@<("0H+$``!!`$#`@0"!0<&"`4###,!``(1`P0A$C$%05%A
M$R)Q@3(&%)&AL4(C)!52P6(S-'*"T4,')9)3\.'Q8W,U%J*R@R9$DU1D1<*C
M=#87TE7B9?*SA,/3=>/S1B>4I(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]C='
M5V=WAY>GM\?7Y_<1``("`0($!`,$!08'!P8%-0$``A$#(3$2!$%187$B$P4R
M@9$4H;%"(\%2T?`S)&+A<H*20U,58W,T\24&%J*R@P<F-<+21)-4HQ=D154V
M=&7B\K.$P]-UX_-&E*2%M)7$U.3TI;7%U>7U5F9VAI:FML;6YO8G-T=79W>'
MEZ>WQ__:``P#`0`"$0,1`#\`]/RFY#\>QN,\5WD?HWN$@'Q<W\Y9K;NN.N..
M,C"-@UB+'/`'T]S0YC7/]U7^C5G,SZ&Y`PC86N+-]I9)>&R&LKK:R;/5O_X-
MN_TZ[/\`@T-F^JRI[:"TD&O%Q&P"UA+3?DW.^@S\S_U;D)*3X3>J-<X9KZK&
MG5IK!:6GNT3].O\`=W>__C%;0[KZJ`TV&-[@Q@`)+G._-:UON_E._<K_`$G\
MVJ_4.HUX=;CH7L;ZC]QAK&#_``MI:'.V_FU,8WU;[/YO_">FE-Q)`^T^ECU6
M90].RS8TUMEQ]1W^#9MESO=_T/TB*Q['SL<';26N@S!'TFG^4DIDDATY%%YL
M%+P\TO-5D=G@-<YG]G>@_M"E[<9U+77#+,U;1'L^DZ]WJ;/T36_]76DIM)))
M)*4H75"ZFRHDM%C2PN:2"-PVRUS8<URFA95[<;&MR'`N%3'/+1R=HF$E-%O1
M'-&W]H9FW33U&CC^K6W:C8G33BVFP9-]H</<VUV^3$;G?^!_10,3J5%8<++K
M<RYS@;'4U66U-<6B68[Z:BS[.W;^^_\`2?3_`$RL?M2@?3IR6:Q_1[7=]G^"
MKL_._P#2G\TDIN)*D_JV%6=UMOHL`)(MK?620/4_1FUK-SFL;9^CVO?_`-M/
M2NZBYMU5=%%E[+*7Y#K6@[0QH;LK88_29-SK/T5'[GJ)*;J2S,7J5C&.^ULO
MLM<X$AF._8P.:SVU17ZKZ6.W_I+OTOJ>K_P5:*WK&(YY8UE[BWZ9&/<=KH:_
MTWQ5N99L>Q^U)3>254]1QSCF^G=?!(]-C2;):[T;?T,>K^AL_G?9[%#]I^Y@
M=CVM#K75E[F.`:&G:Q[O;_AOI5?F?OV,L]B2G__0[?(?U7IV#=GUTTNRLFQS
MLCU7P*V:LQ6AP&VWTF[&;/9^DL_G&5H6)T_:18+R\5T1]LO)/JM:#76'7/?9
MZN.ZRN_/RO=^F99A?I?L_P"B6SU+9^SLK?MV^B_=OW;(VG^<]+]+Z?[_`*?O
M7(_J?KY$_LR9?NC[5,Q;_9]#Z7\U^A]'_K22GHVU79%E`R<E@LQI?<VMPW'=
MM+?HBOT:_P"5_.>A^C?_`#]BK9N4^GI^6ZK8S)M<Y[,EYK<P?I!5C7!CG^[T
M/T+*Z_3_`*1_X)F=0^R?8\>?L'\]1M]3[3Z?]'HV?1_[4?\`&_\`>;Z7VA!I
M^S_9<V/V-.W'G^>]*?69M^T[_P#`[OYG9_A_YW]&DIO5]-R[L;'&7UD-L]/U
M;K*[-KQ3`](5WA_^!?['YWZ.W*9?D?S7JJ[GU,;@UX--]&/C&O\`2&LFN=]E
M=-EE6SU=O\];:SW[[LS[/ZMOI>OZF-7Z7J/C]A?3?SZFZ=N/_.;O_!/Y'V5:
M=.S[-C1^S.7<;O3_`)^O^B[O^E_YL=B2DF%C=2RZ;[Z[ZZ<;+9MIJK;.UKSO
M^T^H6M;ZS<:W8UOIOJ_0T?I?13W8_4,-U.;?>U[<?;0*:M[/58ZS]&(=ZWZS
ML]!FQG]+NK_2W4X]FRC2Z9'V&J/1X_[3?S7_`%J?S$>SZ=7T?IGZ7/T7_P`U
M_P`)_P"BO424U<AW5!>\T,#J@:@P2W5NXG*=[MOZ39^C9[]G^%^G^A2K_:->
M1?98'7,L(%58<P5L:TNV[/8V[U+&N_3^K99_P*NI)*4.-=/)0NMKHILNM.VN
MII>\P3#6C<[VMEWT5-))3FV?6'HU#S5=D-JL;&ZL@DB1+?YL/;[F_0_?35_6
M3HMC@UF2"YQ#6@-<9+CM;PW_`,X_/5^CZ#?H<#Z'''YO\E"O_IF+_,\V?SG\
M[]'_`+2_^CO^#24T7]8Z1E&NQX=8,:^W:^##+*/T-EG/O]F1^BV[_5J_2LK]
MBF?K-T8"?6?X_P`U;.IANGI_G.6HH?X<_1^B/Z_)_P"@DIIOZSABH6LWV-(?
MP-IFL%VS;;L=OLV_HOWT7!=CO%[Z*O2#KGFPD07/!]-UI;_+V;F?OT^G8K+/
MH]N3]'CE.DI'CX]&-7Z5#`QDDP/$G<XHB222G__9`#A"24T$(0``````50``
M``$!````#P!!`&0`;P!B`&4`(`!0`&@`;P!T`&\`<P!H`&\`<````!,`00!D
M`&\`8@!E`"``4`!H`&\`=`!O`',`:`!O`'``(`!#`%,`-@````$`.$))300&
M```````'``@````!`0#_X1&W:'1T<#HO+VYS+F%D;V)E+F-O;2]X87`O,2XP
M+P`\/WAP86-K970@8F5G:6X](N^[OR(@:60](E<U33!-<$-E:&E(>G)E4WI.
M5&-Z:V,Y9"(_/B`\>#IX;7!M971A('AM;&YS.G@](F%D;V)E.FYS.FUE=&$O
M(B!X.GAM<'1K/2)!9&]B92!835`@0V]R92`U+C,M8S`Q,2`V-BXQ-#4V-C$L
M(#(P,3(O,#(O,#8M,30Z-38Z,C<@("`@("`@("(^(#QR9&8Z4D1&('AM;&YS
M.G)D9CTB:'1T<#HO+W=W=RYW,RYO<F<O,3DY.2\P,B\R,BUR9&8M<WEN=&%X
M+6YS(R(^(#QR9&8Z1&5S8W)I<'1I;VX@<F1F.F%B;W5T/2(B('AM;&YS.F1C
M/2)H='1P.B\O<'5R;"YO<F<O9&,O96QE;65N=',O,2XQ+R(@>&UL;G,Z>&UP
M/2)H='1P.B\O;G,N861O8F4N8V]M+WAA<"\Q+C`O(B!X;6QN<SIP9&8](FAT
M='`Z+R]N<RYA9&]B92YC;VTO<&1F+S$N,R\B('AM;&YS.GAM<$U-/2)H='1P
M.B\O;G,N861O8F4N8V]M+WAA<"\Q+C`O;6TO(B!X;6QN<SIS=$5V=#TB:'1T
M<#HO+VYS+F%D;V)E+F-O;2]X87`O,2XP+W-4>7!E+U)E<V]U<F-E179E;G0C
M(B!X;6QN<SIS=%)E9CTB:'1T<#HO+VYS+F%D;V)E+F-O;2]X87`O,2XP+W-4
M>7!E+U)E<V]U<F-E4F5F(R(@>&UL;G,Z<&1F>#TB:'1T<#HO+VYS+F%D;V)E
M+F-O;2]P9&9X+S$N,R\B('AM;&YS.G!H;W1O<VAO<#TB:'1T<#HO+VYS+F%D
M;V)E+F-O;2]P:&]T;W-H;W`O,2XP+R(@9&,Z9F]R;6%T/2)I;6%G92]J<&5G
M(B!X;7`Z0W)E871E1&%T93TB,C`Q-2TP-2TP,50Q-CHR-3HQ,BTP-3HP,"(@
M>&UP.D-R96%T;W)4;V]L/2)4;V]L:VET(&AT='`Z+R]W=W<N86-T:79E<&1F
M+F-O;2(@>&UP.DUE=&%D871A1&%T93TB,C`Q-2TP-2TP,E0P-3HQ.#HS,"LP
M-3HS,"(@>&UP.DUO9&EF>41A=&4](C(P,34M,#4M,#)4,#4Z,3@Z,S`K,#4Z
M,S`B('!D9CI0<F]D=6-E<CTB5&]O;&MI="!H='1P.B\O=W=W+F%C=&EV97!D
M9BYC;VTB('AM<$U-.D1O8W5M96YT240](GAM<"YD:60Z-40T1D0S.30U0D8P
M130Q,3@V03$X.#DX.3)%139$1C4B('AM<$U-.DEN<W1A;F-E240](GAM<"YI
M:60Z-44T1D0S.30U0D8P130Q,3@V03$X.#DX.3)%139$1C4B('AM<$U-.D]R
M:6=I;F%L1&]C=6UE;G1)1#TB=75I9#HP,F)E9#5E92UE-F-A+30Y-V$M8F4X
M9"UD-F0V,V1F.64T-3(B('!D9G@Z05!42U9%4CTB-2XU+C`N,34P,C@@4')O
M(%!R;V1U8W1I;VXM,S(B('!H;W1O<VAO<#I#;VQO<DUO9&4](C,B/B`\9&,Z
M=&ET;&4^(#QR9&8Z06QT/B`\<F1F.FQI('AM;#IL86YG/2)X+61E9F%U;'0B
M/DUI8W)O<V]F="!7;W)D("T@2&]R:7IO;B!"86YC;W)P("T@4&5O<&QE<R!"
M86YC;W)P($9O<FT@4RTT($IO:6YT(%!R;WAY(%-T871E;65N="U0<F]S<&5C
M='5S+F1O8W@\+W)D9CIL:3X@/"]R9&8Z06QT/B`\+V1C.G1I=&QE/B`\9&,Z
M8W)E871O<CX@/')D9CI397$^(#QR9&8Z;&D^<G(Q,S4Y,#,\+W)D9CIL:3X@
M/"]R9&8Z4V5Q/B`\+V1C.F-R96%T;W(^(#QX;7!-33I(:7-T;W)Y/B`\<F1F
M.E-E<3X@/')D9CIL:2!S=$5V=#IA8W1I;VX](F-O;G9E<G1E9"(@<W1%=G0Z
M<&%R86UE=&5R<STB9G)O;2!A<'!L:6-A=&EO;B]P9&8@=&\@87!P;&EC871I
M;VXO=FYD+F%D;V)E+G!H;W1O<VAO<"(O/B`\<F1F.FQI('-T179T.F%C=&EO
M;CTB<V%V960B('-T179T.FEN<W1A;F-E240](GAM<"YI:60Z-40T1D0S.30U
M0D8P130Q,3@V03$X.#DX.3)%139$1C4B('-T179T.G=H96X](C(P,34M,#4M
M,#)4,#4Z,3@Z,S`K,#4Z,S`B('-T179T.G-O9G1W87)E06=E;G0](D%D;V)E
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M;W-H;W`@=&\@:6UA9V4O:G!E9R(O/B`\<F1F.FQI('-T179T.F%C=&EO;CTB
M<V%V960B('-T179T.FEN<W1A;F-E240](GAM<"YI:60Z-44T1D0S.30U0D8P
M130Q,3@V03$X.#DX.3)%139$1C4B('-T179T.G=H96X](C(P,34M,#4M,#)4
M,#4Z,3@Z,S`K,#4Z,S`B('-T179T.G-O9G1W87)E06=E;G0](D%D;V)E(%!H
M;W1O<VAO<"!#4S8@*%=I;F1O=W,I(B!S=$5V=#IC:&%N9V5D/2(O(B\^(#PO
M<F1F.E-E<3X@/"]X;7!-33I(:7-T;W)Y/B`\>&UP34TZ1&5R:79E9$9R;VT@
M<W12968Z:6YS=&%N8V5)1#TB>&UP+FEI9#HU1#1&1#,Y-#5"1C!%-#$Q.#9!
M,3@X.3@Y,D5%-D1&-2(@<W12968Z9&]C=6UE;G1)1#TB>&UP+F1I9#HU1#1&
M1#,Y-#5"1C!%-#$Q.#9!,3@X.3@Y,D5%-D1&-2(@<W12968Z;W)I9VEN86Q$
M;V-U;65N=$E$/2)U=6ED.C`R8F5D-65E+64V8V$M-#DW82UB93AD+60V9#8S
M9&8Y930U,B(O/B`\+W)D9CI$97-C<FEP=&EO;CX@/"]R9&8Z4D1&/B`\+W@Z
M>&UP;65T83X@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`\/WAP86-K970@96YD
M/2)W(C\^_^X`#D%D;V)E`&1``````?_;`(0``0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0("`@("`@("`@("`P,#`P,#`P,#
M`P$!`0$!`0$!`0$!`@(!`@(#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#`P,#`P,#`P,#`P,#_\``$0@`<0*2`P$1``(1`0,1`?_=``0`
M4__$`:(````&`@,!``````````````<(!@4$"0,*`@$`"P$```8#`0$!````
M````````!@4$`P<""`$)``H+$``"`0,$`0,#`@,#`P(&"74!`@,$$042!B$'
M$R(`"#$403(C%0E10A9A)#,74G&!&&*1)4.AL?`F-'(*&<'1-2?A4S:"\9*B
M1%1S148W1V,H5597&K+"TN+R9(-TDX1EH[/#T^,I.&;S=2HY.DA)2EA96F=H
M:6IV=WAY>H6&AXB)BI25EI>8F9JDI::GJ*FJM+6VM[BYNL3%QL?(R<K4U=;7
MV-G:Y.7FY^CIZO3U]O?X^?H1``(!`P($!`,%!`0$!@8%;0$"`Q$$(1(%,08`
M(A-!40<R811Q"$*!(Y$54J%B%C,)L23!T4-R\!?A@C0EDE,88T3QHK(F-1E4
M-D5D)PIS@Y-&=,+2XO)59756-X2%H[/#T^/S*1J4I+3$U.3TE:6UQ=7E]2A'
M5V8X=H:6IK;&UN;V9W>'EZ>WQ]?G]TA8:'B(F*BXR-CH^#E)66EYB9FIN<G9
MZ?DJ.DI::GJ*FJJZRMKJ^O_:``P#`0`"$0,1`#\`W\/?NO=>]^Z]U[W[KW7$
MN`"1=K7X7Z\<$"]@2#Q_A[]U[KK6M@;W4V.H<J+WM=A=?J/Q?W[KW7/W[KW4
M<GPR.P*7G=.-)#6`"GR27-_I_3Z>_=>ZS?<1@D,H%OS]0?\`6L/?NO=1VD0$
MS&8B+R:?P$U?31<D?G_>??NO=24(<LHNK+8E7!5K&]F`_*FWOW7NN_?NO=>]
M^Z]U&,.@716D/TTW/`)Y;Z_4>_=>Z[$<A:-C+.!&3JC+Z5E!^FH#45"?[S[]
MU[J1[]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[K
MWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=
M>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KW
MOW7NO>_=>Z][]U[I!=IY_<^U.M>P=U;'VA)V'OC;&QMW;BV5U]%DUPLF^]V8
M;;^0R&W=G1YEZ>KCQ,NY\Q3P4*U+12B$SZRC6TGW7NJ6?Y>'SY[;^;$WQYWK
MLOY$=5]@TV'P>_H_YCGQ<RW5<_6?R)^+79YV9D*C:^SMO;$K<I%V%3;9V9VA
M05&VZN;(T.6GSS01U5'6E3-`/=>Z%GX^_P`S3I#:W0GQ7J>P?D)V?\O>POE5
MEODI0=)[^V3\2MX]<[C[PSG0VZ]WR;IV)0=18#$2T/7VY]H8C$/B*2GR\V/E
MRPQ4M=(8U>1E]U[H9%_FL?%3,]0=:]Q]<CMGN*A[1ZT[<[BQ.P.LNLLSE>V-
MO=:]`9V3:/>6Y]\;#S4NW\CM1.K]]1-MZMHJAADJ_/J:#%T]?4@Q^_=>Z:^Q
M?YO_`,(>L<50;HS._P#*Y#8@VUT%O'>.]\5AHEH.L=L_)Q,34=.9??NU<SDL
M/V51IG,7G:*OKJ>@P>0K,)054=1D8:6,EA[KW26'\XKXTQ;D[=P.0ZW^4&#P
MO1O8V_.D.PNR\[TV,7UC0]_;/W!L/;6$Z(QV[ZG<JPY?LWM2J[,Q51M:"".2
M@K*.5I:JJI`A'OW7NBO?(?\`F4TG;];\7U^.6^NQNK-[=8_S=OB;\3?D_P!=
M3G:=9BMQ;.[BASJ5V`K]TX.3>6S=[[#W=@IX*[&U^`RVH5<'BF,4@:+W[KW1
MY<;_`#']@YW,]Z[#QG4/;-'VST)\G.K_`(L;DZFW5+L3;6\-Q[J[>@Q><V)O
MO9&K>%?B\GU7N3963.=H,M4ST<M9C:&M98`]*R'W7NK(`K6^EK#^O''X!L";
M?UL+_7W[KW77OW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z[`OP
M/?NO=89?(UEC*W1@7#7%AQ]/ZFWX]^Z]US9K#4U_Q<#ZW)`_WL^_=>ZY?[`B
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MJ_*2XN@J\!E(98:NCXA,WNO=*K;_`/-+W!NW=>"VUMCX;]V[WIL=\A,'\7>]
MZ3K.'*;[SW2W:J4V#HNVL]]SA]I1;`W?U'T1O+<$.*W#G:;/TE>\"3Y&DH)*
M>$"1KQ#JT^77NB7?&3YA=B?"KXY=Q;OS.S,IW+T]@/YU7R4^,O:_9N[>V\[+
M6_'7IW?WR0HMB;3[:J6W'C=UY;>?7&PL[N.CQ]92R9"@GHJ2HBJ$8TR2^/<;
M%@23Y]>ZO4^/_;VY>YJ'LW<64VCC=L[0VYW%V)UUUIF:'.39G_2/M'KS,MM>
MJ["TR8^BAQ=#D]T4-?2TT4<E5'-%1_<1S/%-&?;G7NC`_P#(_?NO==@D?3W[
MKW7B;\GW[KW77OW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]
MU[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO
M>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U
M[KWOW7NO>_=>Z][]U[KWOW7ND/V70;MRO7F^L7L#*T^"WUD=F[KH=F9RJ3R4
MV&W;68#(4NV<M4((IB8,;FYH)GLI]*'@_3W[KW5.<WP+[R['^4/PD^9._>JN
MA>GOE%\8L)N2;Y$=Z])[QR-1N3Y>KD>FZ[K\]-2P/LS:BR=7[GW?7QYF2NW>
MF0R&VH\=#2XQ#]S452>Z]T@?C/\`RU?E;TF_\NJ?,YOI*K_V37Y!?.ONGL.D
MP^[][?[_`(P'S$';DN!VSM*KJ-FP+'G-A/VG;)/71P4%::#5!_G1H]U[I']*
M_P`LGY__`!@RO37<_P`?>R_B=3]^=?M\P^I>P=F=I?Z6MP=']F_'/Y1_*[=/
MR\VMFZ'*[5PV!WMLWN7J;?VZ):.6FCI*O%YRCU+]Y2AM1]U[H<*C^7=\Q=C_
M`"J[#[KZI^0/QTW/MCY2X3I:H^461[OZ!?/]J===K]3[+I]@9/MWXJ3XJKGV
MK2Q;ZVK14]*FU]RI48[!STT57%45!-33U7NO=1,W_*D[8W[U!\X.M\_W;LSK
M3=G>O\P2E_F&_&'M#K;;66W36]%=K;=R'6V>V?1[]VAO2:CV[V!04>9ZQ@&4
MCI_LH<M3Y2L4I`WB<>Z]TO-^?!CYL]]]<]$KW]\D.A*CMKJKYG_&_P"5E1A^
MK^EMT;;Z$PF%^-F>J<_0=?;!V]E]ZY;L&#/]J9.>2NW!N#+9JL2FFD$%#CXX
M8@7]U[KCTCUOLOY+?S-.Q_FK@NG_`)']+?Z".O<]\6-_IW'LO+]5;*^1?:NT
M=[5\FPNT-J;2RGGB[+P/46R,SN"DV_O)4CCFI=V&"F=A#*(_=>Z.[\3,7\J,
M+B.VJ;Y/]B;?[.,_=&\ZWIG/T'66,ZGW)CNF*Z>";;>U]Y[7P&Y=SX*>OVU4
MM-24.26:&MRF.BBJ:NGAFD9![KW1MO?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[
MKW7O?NO=>_-OS];?G_;?7W[KW71L;\D`C3920X:_ZPPY`_WCW[KW73%A:W^M
M>POQ]+FWOW7NNQ]!?Z\?[?\`UO?NO=<B2?K[]U[KKW[KW7O?NO=>]^Z]U[W[
MKW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=?
M_]'?P]^Z]U[W[KW7O?NO=%`WWT=WK5_(G*]V=<=U;6HMB[DZ$H.FMR_'[LCK
M_*;NV%7[EQ>Z]T;BQO;-+E<1O3;N0HLQ#C=R-B:W&?;O3Y3'H%DFBD2&2/W7
MNB=]-?RH:/X]9;^7^O4O;E#C=G_`7;OR>&W=LYKKV.IA['WK\N*C+UO9U75Q
MX;<N$QW7W7^W,KF)*G;>W\33O'CX1'1O/)!#&WOW7N@WV?\`R3]M8KK/X2=+
M;X[VE[!ZK^('6'S-Z8SVW)^L*7;M7WOUO\U=L9?9F^,+N'*XG>?DV-4;5VYF
M&7'S8U)C/50QSS"ZA![KW3IBOY.>Y=U?&;._%CY+?/OY(?('9&V-O==;;^+.
MXXL-L7J;?OQGJ>FMRT&ZNH.SZ7=.R:`UW:7>VR,C@<5`-T9DH:JAHGB-(CUE
M9-/[KW0F/_+9[AW=AOCI6]]_/GMGO3MKH'Y2[0^4TG8N?ZMZSVSA-UYOK[9F
MXNO]H=>XGJK:L%!LSKS9$>V]V9";*OBQ_%\SF)UKIZU3#!%'[KW3\G\LF@P?
MR1[,[CZV^4G?_4_27??9>-[R^0GQ`VE5[17J?M#NS&TN+AJ-\0;RK-N5':_7
M-)O>IP&/GW9C-NYC'4^Y6I?%5-]N[1&A2M<X].O=!5V+\-NPNF>A/D%\8^M.
MLMS?-/;O\Q3N;OW<7?\`G.R=\=5]8;2^/E7\D=O5<6^^PZC%RT-+G]Q=<4.5
M*38_"82#)9VDGC`BENXEBVJZ017KW1DLY\-=X;=QW\O78?0W=G;?4O7_`,-<
MCMC%[GQ.U]YTN)V9W-UCM#8N)V9/L?N?8];ALQD.RJC<M-CF>CE;(4?\)KZF
M?(R-452P`6Z]U8<HM?Z"_(`'"\?IO_:`/YL+^_=>ZY>_=>Z][]U[KWOW7NO>
M_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[
MKWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_
M=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[K
MWOW7NO>_=>Z][]U[KWOW7NO>_=>Z]?\`'X]^Z]U[W[KW7O?NO==W)^I/OW7N
MNO?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>(OQ<B_%Q]1_B/\`'W[K
MW6*99'6T3*C@*%D<$DV/JUE>3<?[S[]U[K)Z5]9_4$T7XMI^O^W)]^Z]UU&W
MD!-BI`)*FUQ_2]C;GW[KW7(<\^_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>
M_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z__]+?
MP]^Z]U[W[KW7O?NO=>]^Z]UXCC_7-AS:Y_H/\??NO=%"[R^<?QZZ&W51]9YS
M<F:W_P!W9*E:MQ'0'2FULSV[W9E:001SQU4VP]F0Y&MVOBZJ.53#D,X^,Q\I
M!TSW!`]U[I"='?/;;?:G>*?'#L3I#OSXO=SYO8^2[/ZTVEWWMO;&-H^W^OMO
M56'H=W9?KW=6Q]U[UVU69S8M9N&A7.8.LJ:3,T<=9%,L$M-Y)8_=>Z/HRDR1
M2`GTR>H<>H,"+GZV"FQ]^Z]U"(F0D3J]0CGU<<`:K@L5`X%A[]U[K/.\8>,J
MP68Z5,P)`T$@D-8Z6`_QO;W[KW66-HE5@KAU`]3ZKA`.;N3_`%_K[]U[K+]>
M?P>1_B#R#_L??NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[K
MW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]
M^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW
M7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^
MZ]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7
MO?NO=>]^Z]UW8CZ@CW[KW4:?R&.R!B3(`0!?T<WO_A[]U[K+'<%6(L7%I#:U
MP.!?^EA[]U[K(;7-OI?C_6]^Z]UU[]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>
MZ][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z_]/?P]^Z
M]U[W[KW7O?NO=-N9S.*V[B,GG\]D\;A,%A*"KRV;S69KZ7%8C#8?'4TM9DLM
ME<G72PT>/QV/HX7EFFE=(XHU+,0H/OW7NJS8.U._/GIDJW'_`!XR>XOCA\.X
MZ@T-;\J)\>M'W=\BX%T+61?%?;&<HIH^O.LS"LL#]A9RE-9DC*DFWZ%H`F6]
M^Z]T<[H?XT=(?&;;M=MKI/K_``FS(,Y7?Q?=^=BCER>]M_Y]GGEJ=R]A[ZRT
MM=NW?6Y:R6ID9Z[*5E5.H;0A5`%'NO=%#[CW$^\_YI?POZSP4%!73=*]%?)C
MO?L2I6%)Z[;F(W]2;4Z@V)!)4HX;&IN+*RY%A$ZC[D46H`^.X]U[JS+W[KW6
M*22S",!2Q4L=0U*$Y]17C5_K7'OW7NHM-.\EQ+'%#ZO042VM?H21S<@_T]^Z
M]USE4/>Y(<+(LI4?5"I$9*_VB?K[]U[J1$P>-"`0`H7U"Q]("W(_QM[]U[K)
M[]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7
MNO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][
M]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7N
MO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NN#LR!2%5M6I54N(RSA2R(I;ZER
MMN+D#GW[KW7,7L+BQL+C^AMR/\;'W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]
MU[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[^M[`?V;FP8_TO^/?NO=8T=6+
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M&B($BC1`HCA55`6)1Z0`!P+6M[]U[H-^X^VMA=%]5[_[B[-S\.W-@=;;6RF[
MMU9:22*.6+'8NFDF%%CTFEI_O<UEJE4HZ&CC;SUM;-%3Q`RR(I]U[HEW\OOJ
M[L"IP&_OF)WIBLKB_D!\R<A@=^979^>I8*'(])]*XFEGCZ.Z*@HQ$9<55[/V
MID379V.5FGDW!D*SS7:--/NO=6.GW[KW7152=14%K:=1`OI_U-_K;_#W[KW4
M0J$YD``+A(KV-BWX4"^FY]^Z]UX6\LR@NDL[H@U?0(J6)47^C$6]^Z]UT);N
M(B7=@+(8V*!D4Z;GD#5JN.>3[]U[J;[]U[KWOW7NO>_=>Z\38$GZ#D^_=>ZZ
M+``D\!?J?H`;@6N>+W/T]^Z]UW[]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z]
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M4[:VM39"CP6X-N5^R,$^"W=O'+4\U5N'/9+R(]-0K34HW3]G2B"E)2U*`?G_
M`#ZV5./[-K?BPL+?CCBWO73!%#3KWOW6NO>_=>Z][]U[KWOW7NO>_=>Z][]U
M[KWOW7NNBRCZL!P6-^`%')8GZ`#\_P!/?NO=-F)SF$S]/+5X',8K-TD%5-13
M5>(R%)DJ:*MIB%J:.6>CFFBCJZ=F`>,D.E^0/?NO=.G^QM_C];?X^_=>ZB$U
M#:G93$HET>+@M)"@(+HRFRM,>1]"`/?NO=<B?*QC)*QH`1SR18,0;_4CW[KW
M64&-5)5B0K%&&D^AEL2I4#@D-?\`UO?NO=8UF0M^HV-SR&'IY&H@BX6_Y^GO
MW7NB!_*CYA9S:&^5^*OQ<H-G=A_-/<_7%;V3C<'OVKRU!TKT/UQ39BCQ,O='
MR>W)MQ*C,[0V7(9*H8/&0)_%-TU]!)2TOAB2IK:7W7NIG\M[Y.]B?+OXPX+N
M?L:FZYKJRLW_`-H;,VUV/TW75]1U'WGLG8>],OM7;/>?6^,S-?E=Q[6VSV!2
MXMI#B<I4U%9CJN*:,R.@C=_=>Z/Q[]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>
MZ][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWT^G`_H.`/]8#Z>_=>Z
M][]U[K__U=_#W[KW73&RL1]0..">?QP.2/Z^_=>ZK<[+[#H/E-\AZCXH4&2H
M*#HG8DTL'?\`F(\L*3)]X=A8RAHMS-\7^OWCJ(I<IM;9V%JZ;*]HU=+Y!#3U
M5#@)&1ZW()#[KW5CE-2T])#!34D,--34T4<%-3TT20T]/!%$(8:>G@C"QPP1
M1*%1%%E4`"P`]^Z]T'W;O<76'0?7FY^V>Y-[X'KOKG9F-DRVX]V;CJ32XW'T
ML5],2+&DM7D<E626CIJ.ECFJZJ9EBAB>1E4^Z]U73L'KCL#^8'V#M?OSY';/
MS/7_`,2^O<_0;P^+_P`6=WT<E#N/M3<&/,=3M_Y&?*+:M7&T=&^-K(DK=D[-
MJ.<6=&1R2?>B&&#W7NK7+%%;DL;,VI@+DV)NVD"]O]AQ_3W[KW5>O;_\SWXL
M=-_)?9OQ'R&1[![$[MW#N3KW;>],1T]USN3L;!="2=LY"FP_6.4^1.Z,%!)@
M>IJ'?N4K(DQ=/6U#Y.IAE2H%(*5EF/NO=6&\C@_4<&WTO^;?3B_OW7NHE9`T
MR+H+:T;4JCZ,1]`3];7]^Z]USY>6G\D3>10#Y#]%8"[`"PX)X]^Z]UD6%$)`
M%RK$AC^JS>NW]."??NO=<?*6-T`>/G]T?IN/Q]?K[]U[K*IN`??NO==^_=>Z
MKX^5GSOI.F^P\#\7^@.L\K\I/FWO_;W]Y]I=`[5R4>#V_P!?;%>L.,D[N^37
M9T]+D,'T;TCC\D5@2LJHJO-YZLM1X7&Y"I\BQ>Z]T0;M+K+Y[=3]Q_#?L;M#
M^8IO[?7R"[H^577FQ*7XL]-=?;)ZR^%M+U"M)F]\]_;;DV7E<#NWMS?]#L;K
M/#Y%Z3=V9W1%DVJ8J5UIJ=I13I[KW6P`+6&FX7^R"+67\<?CCW[KW7O?NO=>
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M]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7%F(*BS'4;7"Z@"2+`\BU_P"OT_J1[]U[
MJECKY%_F-?S"\MW36RPY'X=?RSM^[OZRZ*H)%2IQ'=?SS&*EV[W)W1XIE-+D
M]M_%[;>7FVAMN4)-'_>C(9>J@F1Z&+W[KW5THC4&]W^A7ECR"=1U?3423S?Z
M_GWL&G5E<J"`!2O60#BPN;?UY/\`KGZ>]=:)J:GKUC]/S_K>_=>QZ=>]^Z]0
M^G7O?NM=>Y]^ZHY8`:14]>Y]^Z;UR_PC^?7N??NO:Y?X1_/KWOW3PK05X]!C
MW#U%LWO7K_-=7]@IG:C9FY)<5_>''8#<N<VK49K'XS*4F5DP.0R>WJ['9&;;
MV;-&*;)4?E$-?0RRT\P:*1U/NM].O776/7'4&U:'8W5.P]G];;,QFHX_:FQ=
MNXK:NWJ-Y`@FFAQ&%I:.A6IG$:ZY='D?2-1/OW7NER0_U4"P_K[]U[K$A:9`
M0!?ZV_P]^Z]TG]T;DV]L["9'<F[<_@]I[<PD+56:W%N3+8_`8+$T*+Y)*W)9
MG+5%+CZ2EB`]3.X5?R??NMA68T4$GJA_XP?S)MR[R[%_F,=D[(Q/R-^<>W*3
MY=X_IGXU]/\`QZZ]I<QLO9^Q>N>I]I8NIW!B.V-QR;-Z8H-J=C]@/FJZ?+U.
MY)]7@0D#5'&WNGYH?"6,FNH\>K/_`)<?+O`_$+XI;Q^3&_=GYBHW)AMK[:HM
MJ=-4-30Y/>F^.Z.PZS&[9ZUZ,V^V)FKJ/,;JW5V)FZ3#^2B^YAC4RU0)@B9A
M[I@"I`Z"O^75\.]T_'/J_?6__D+E,5O[YG_+7<\?='S*W[1*M9A,AO[)XI<;
M@NH=EFJ:JDAZ8Z'VHT>V=LT7D:G:F@GJ]"25LR^]]7T`Y!QU8+A-O8/:^(QV
M`VSAL1MS`XJ#[?'8+!8VCQ&(QU/J+)!C\;CX*:BHX49C98T51?\`K[UTWTZ^
M_=;H3P'7O?NO4/IU[W[K77K>_=>Z][]U[KWOW7NO>_=>Z][]U[KM1<@>_=>Z
M`'M?Y#[/ZF[(Z!ZER./S.X=__(S>V=VIL7;NWHZ2>MIL/L[;55NO?_8&<2JJ
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M'7.XZ[-=\_(/=.<FH:*3([H^3WR`?*9[+UTS+)61T$#O8:;>Z]T8+?O\R?J*
MLW)F>I_BCMS='S=[SQQDHIMF]!24=?UQM?+*8U$';'R$JV'4?6=#`\H%6)LA
M59.$`JM%))9#[KW3=U=\.NR^U>Q-I_)+YZ;JVYV-V-M-J;+=/_'38KU,WQF^
M-^2,,<L>=PU)EZ2'(=O]NT<A9?[V9F%%I3QCJ.E5(W]^Z]U962JG]/+OSI3Z
ML1RS:1P++R3^![]U[HAOS%^0W8.U<MU[\8OC0V&JOEO\BZ7//U_D=P8NJS&T
M>E.L]M-CZ?LKY%=B4<`C@FPFQZ?*0P83&SRQ?WAW'54E$HDB%28_=>Z$'XZ_
M#CJ3XT;(QFR]F4$N<FDW7D.T^PM];M%/FNQ.YN]\\4EW)WIVKN>>'[O=?8>6
MJD#I43$K11I##3+#3TM-%%[KW1L%#!5#6U`6;3^F_P#A].#_`+;W[KW7+W[K
MW4=E2&\K:O2>6')D,C!532390I;^OXO[]U[JKSNOYF=\]B?)&N^'_P#+XV5U
M3V%V9U%D]E9;Y?\`=W=N1W32]"_'#;.Y&I<OCNL*>#90&Y.R/D?OW:/GK,?A
M:&6#'X*E,%5EZB)9X89/=>ZM*1U8$JC*MB%#+I^GT(']/?NO=<%81Z]1_LGG
M\"PN22;6`'OW7NB'?)KY1[PQW8&-^)'Q5H,)O+Y=[UVJ^ZZFMW!%+5];?&SK
M.JJ7Q?\`IJ[IEHY4F>GGK$>';VWH6&0W#7QV`BI(YYU]U[I>?%7XF]9_$38N
MY*3!YC*[N[&[`S-7V%\@._\`L*IIJOLON_L*>GE?)[UW]N"5B:+%8V(O#B,/
M"T6+V_BT6EHXHXU9F]U[HA_P3[-7^8I\MNY/Y@F$R!R7Q5Z(I]T?$'X,K%/6
MIB^Q,E!F,?D/E-\H!BJZ.,T?][-U8O'[-VW.%CE_@F`K9&2U?[]U[JZG_;?[
M`6'^P%S;W[KW7O?NO=$5^;/S9QOQ5QG6^Q-B]>9CY`?*_P"1.?R^R_C!\9]K
M96BPN<[.W'@\?'D=T;HW3N.MCJJ+KSI3K+&U45=N_=59#+28:BDC`CGJ)Z>G
ME]U[HPWQ^B[^AZ?V4/E)7=25_?<E!55'8TG0]#N^@ZCILI49&LGHL;L>/?E;
M7;NJL7BL/)3TS5=<89:VHBDJ!!3K(L$?NO=##KM>ZOP;$VN!^0202+$?['W[
MKW7:,'74`R\D6=2K`@V-U/(_P_P]^Z]UR]^Z]UT2`"3]![]U[HDGSI^='5'P
M3Z?J^R]\T.;WSO#(XO>=7U=TKL@05'8?:U?L+:63WQN\X:&IEBH<!L_9&TL3
M493<FY<DT.'V]C(S+4S"26FAG]U[HS?4F_Z3MCJGK#M2@Q=;@Z'LSKS9?8-%
MA<DT;Y'#TF\]MXW<=-BJ]X0L3UN/AR2PRE0%+H;<>_=>Z$'W[KW6.7F-AK$5
MQ_G&M9`/4[&Y`L(P;W]^Z]U6S_+<^4?;'S5VQW]\D\O!@<;\9=U=^[QV/\*<
M=C\=/3[DW#TAU#52=<Y[M_=69J)?]RJ=O=FX#,9'#TZQ(E%A(Z4!I#(6]^Z]
MU922!:_Y-A]!=C]!S^3[]U[JDKL/:6'_`)DO\R'<736_:#&[N^&'\LN+8>Y]
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M'<027`[UW)N'+JL\.T^NJ+<CQ25'VTU51)$\Z>ZNMMH*FX<*GGFI_+R/S]//
MRZ*[U-\JOYX?</P]J.R-B_'K$XKNO'9_<'8F^*3OCJG&]-Y7+TB[CQ%2GQ7^
M)'3>0WS%FL]0[<VW'4T3=C]CY/%KD*PR&FI:I?'+3^ZOX=F&.ISIKB@_F<_E
M@_/Y`[\?7_\`-4^2-!F=V=F=S;._E_[,FILE5;3^/WQJP.QN\OD+78X4E1)C
M:7M'Y"=L8;(=7;?W=+7PQDTFU=O5&/@$IA;*5',OOU>FM<"T[2Q]3P_8/]7S
MZ`SICKW^=MWK\5L#0=]=Q;)^*'8.W>JJZE6EZ\Q>PMW_`"7[P[)HL5FQCJCM
M3?=7M_,=%_'[$9K(Q8Q9H-IXG/U^EIY?OZ0LD$?NFI2A<F/X.L&U>Q_YUB_$
M/:?4O6'QBPFW/D-LGH>FAW5\G/FOWGUCNK+[^[BQ6UJM\SC-B=5=&)DH-T9S
M+[IM'B,KN2NVUA5A5):RFE4NA]UZ-58G5PZ2/>/\V[Y7]1_#W*=F;:_EZ_)-
M=^=8]?[%Q_<'<GRYVIMWX]]-[<[-W"F`VG5[II]D;:W!NCL_LW;E-OG)2S9%
M-LXF'%T6.C:;[](?&S^Z>\!:G]1*?(U-.A,R7\Q/YG5/3O2?;77?Q&W=OKJ+
M%YCJK&_)KY`9?J'L_:N:S^W\U5Q4_:'9?Q7^'#5;_(#>'7N"ID^\H<GFA1SS
MTU;!+24&1ABJ)$]U3PTJ02/L_P`_0J;T_FWX=.KM_P#9W1GP6_F%=_X;8NU<
MSNFFR>/^.&;ZBVUN.##4<DU138[*=TUNRMT5Z02IXJH8W!Y*LCT22+32",CW
M[J_TCG3^I&"W`:@./639G\[;X.[WVSALCM>O[XW[NRII<-'N38_4GQ/^579>
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M9K@DQ>@`)/EY\`./S_PFC_D9X;,X'^6C\9AF<=NB7/[TVUF^WM\[XW918_"U
MF_M[=Q;KSO9&?W3C<1CZB7_(*^IW(%21H:2`H@\,?CTGWX]-W[QR7#/$U8^`
M)%":`9(X`GY8ZB?S)M@]XY7Y(?R]NY=N?'SL'Y1_'KXV]C=O=M=D=,]1YG8E
M+ON3O4=>+M[XU]C3[=[%WGL/;^Y\+U_F,IF9H73(I+C,C/#5-'(L8"^Z1#I]
MR5?_`#4OE4QP='MSK?\`EC=/9*EAASN]<INC:OR;^9]72SR-+6Q;(V]@J.H^
M-W3]?5XUQ`,ED\AO:>@J&:9*%F50/=.ZEIYG^0ZK+^!W=L71/2&^?B?M3LGY
M9X+^8MW-\T>Q,SV#LWLGI;N/Y/=H]78W-=CC9N(W;N_>_86,INKIM@3=.[;Q
M6X*K>TF13;DE5DY6@@(*4L7NFSDDCAT=B>#^;YMWY%;\^,O4/<.TNU^H:OK+
M86Y,W\W?E+TMM_;53T+O/<6;W%'N#;?4'7G3]#L3:WRCST^TJ2&O@H:^3"8W
M;=<T*U^1JHW%!+[IV-H@IU@DYX?R_P`O^8])_P",W<_\T/J/;W:?QUW5\4^]
M?D_WW@>^NTZC#?)CY%]I]*=5_&JIZ8W'N&7_`$2[MH^P]A8RJW%N&AAV[#%5
MUVU=O;'ER>%FEDHY'72DY]UZ5HV^#`QC_+7I0X;YK_S1>M^@.Q,CVY_+ERW8
M/R(ZXI>V-Y[XRN#[.ZNZO^+-+M7`29[-;1HNIMUKN[M'M[M.&/:N/IE`EVS0
M9>MJI'2>*D.D)[IH`L0HXD])#/\`SC^0?S:ZBQ79/Q*A[,V7\:8<!UW1[R[F
M^.O7U%VK\CN]NX-W8['5F[^D?BS@^Q,7'L#JC8'6\U;)CMT=K[RIJBFQ^4UT
ME!0K]K49.'W3TUO)!)X4M`_V_P"7Y](WI'Y3_P`VGXL[,^/&'^8WP]['[:ZQ
MK]R]JKVQVSU_EL;\G_D[MG;V3I<MN3HG953U7T/M[;&-KLA@(9Z#;F;WA/+6
MMDLA3SU+8^DC>*63W6EA9B0'2OV_X,9_+H=MY?S%/FL-Z=2[_P!K?RQ?E-@/
MB/79[<6.['S&:V5MG>?RZW`Z[<J9MG0[8^,6V.QJ;(=9[,RNXRD=9N#<>2DK
M840QR8BF1EJC[JK1%336I^P_ZATIJC^:WNOK?>6UZ;Y1_P`OCY@?&?J7L[?/
M4O7G4O<VX,=UMV/A_P"\O:>Y_P"Y-##WCB^L=];EDZ,CCW36XZFITJJG)RU4
M=9Y'6#04/NMI"\CA%(U'Y]7$EM5@?U"X-OR?H=/Y(!'OW3=#4`],.(W+@-R)
MECMS-XG.C!Y?(;=S+X?(T.4&(W#B65,M@<F*2>?['-XMW5:BDG$=1$6&I!?W
M[K75,G;VROYA>W_YD'9?R8ZY^(G5??FQL-\>MH="_%O<V[_E#A.H</U[BLW7
MMO\`[ZW!O';+]<;[W8VY>P-[4N&Q<$N.A"QXC`Q!V_><#W7NFWYK=>_S-ODU
M_+J[3ZLW]T1T72=G[\[.ZNQ&^.JOCKWIN7-U6\?BM0[LVON+NO;&#WKV/M+J
M^AB[#WG@,;7X..@>2"@JL?62:JI6DT>_=>Z,/L7Y9?-#(U&V]N;>_E'=R;`V
M"!BL9B<KO?Y&_$C:D&V-HT\E#C('R&S]L=D[OR^(GQ&)NZXRGBG(CI_&KW*^
M_=>/#H"_E]U]\CNA/Y@VR?YA.V/C?D_G'T=C/CS1=&Y/K'KF7`UOR8^,6X(]
MW9_/YONCX_;(WK5XK;.^X.P\/F(L3N*DH,CC]R-3TL0IVEIA+!)ZO2])K;Z$
MPL6$X:N!4-]N0<?YN/EPZ^_G%_RW=M;SR<N;V#\COC1V#V]N/&/NP]J_!OY&
M;`S&Z-YM-C]K86'=.5P_66:QN0SLDM1%2QR-4RH50N7$2Z_?NJ"PG^GCN:J8
MV%1D5_,=7>:3_0_\F_\`1WU]^Z1]?__7W['+:HT4VUD@D!2?I^`0?T@?7D<\
MCW[KW6K/\C-Y_)/OWLOL[Y&]<]O[7PM'W5W'7?RP/Y?FR,=U159/<&>ZZK-Q
MQT_RG[UV]O3*[Z:@VK)F\AM;."3=E+BY@N!VC3>)(//'(WNO=6O;(_E/_'+'
M;,V?UMV7O+OOOKK3K_;&'V?MWJ/M#M7)T72N/QV"I(*6@*=.]<TNQMC990D1
M(?*TV1FEUL9GF;U^_=>ZL0V9L'8G6^VZ'9W7>S=J[`VEC%2/'[9V9@<5M;`4
M2*B1*E-BL)2T-#"I2-5(5!J``/OW7NG?-9_`;:I5K=Q9O#;?HY)&C2KS64HL
M52O*L4D[1K/7SP1%UAB9RH/"*3:P/OW6P">`Z(?VQ_-3_EX=.39"CWK\MNH9
M:W%459D\GC]BYVI[/K\=28V&6IK?XG#UO1;J7%24\5.SR+6-`(X_6^E/5[]U
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M[7[,ZZH\/E>Y:ZCQ?6WQ_P`!F3Y<=N#OWM3-X[K[IV@K:=4=J[$Q[VS]-65T
M2C6U#2S:>1<>Z]U+^#/Q!VO\-?CGM#I:CR53O#>E16YCL?O7M3*U<];N?N[Y
M$=@U*;B[D[EW9E:E4R.1S>\=Y5$[P><EJ'&Q4M%'IIZ>%$]U[HW4DA1XV$JJ
M6D6$K(Q*V-]2!!>TMEX)^@'/OW7NB<?-CY-9WX];&VUM_J[;D78/R5[\W(O4
MOQFZPD5'IMP=CY.BGJ*K>6[GCFCGH.J>J<)')G]SUP9$@QM-X@ZS3PZO=>ZF
M_#3XI8GXQ;!S0S^?J.S>_NT\G3;Y^2_?>8CE&<[A[2K*)4R==`U9+.^#V%M[
MR/0;<P-/XZ#"XM(XH(PS2O)[KW1?_P";SM[YA]@_#7<?1GP?V_6UG</R-WYL
M3H;-;[H\EB\8O1W3G85=-1]K]QUM1D<ACY7QVWMIT\U$RTGW%<GWX>GB:1!;
MW7NC@?&?H;K#X<_&[J7X\==+0X#K#HKKW;^R</5U<T5!#/3XBC093<>5GJ:J
M:*/(;DS$T^1K)#*0U35.2>??NO=&&.HA@A77;TAB+`FUB1SP+W_Q_P!C[]U[
MHLOQR^7/2GRBZ<R/>O6>X*^'8VWMS]D[*WI%O+"5VSMR]?[PZ?S^7VQV3MG?
M>WLNJ5FVLMMG)X2=Y(Y;JU,8YE9HI$8^Z]T3WX([/Q?>'9W</\T?L.E>/.=^
M[=@ZQ^."9^I5X>J_A=UYF*ZMP+XA:B>:#;DO>FZA-N_/F.3Q5D2XUF8)`J)[
MKW1U?DM\INB_B-TON7O[O3?F-V9UAMRFI)4R:+)ELMNO,9=UCV_M386`QZ5.
M4WKN_=U9-'3XO'8Z*HJ:R>0!%T@L/=>ZJP^%^/\`YGGS.^0&)^9_RJSV^OA!
M\5-I5V:J_CI\`,')B<5V;V+B<KCY\1C-Z?,_*-2YC(:VI)#7TFUZ::BDI\AX
MS,D4<%JSW7NKU(QI0#D#D\BQL22+C\$CZ_X^_=>ZX3RK#"\S2)&D0,LCR,BQ
MB&(%YB\DC)'$JQ@DNQLHY]^Z]U75U_\`S4/A[VA6_)FGVGO3<-3@?B]LS%]A
M;EW[4;2R%'L7M39&5J]R8)-S_'C/U#&/NK!1[XVI7;9BK<3%)29'<,:T=`]6
M9$+>Z]U5/\U^B^Y^T/B[NWL[N'"YC#?+_P#FC=B_'_X2;.ZN%?3I-\0OA=VG
MV_M[/;_Z*PU4LH:3<^8Z9P65S?:>3B(CR^Y&CHU4T&(Q@'NO=;,N+QF-P>,Q
MV$P])3X[$X:@H\5B\=2J(Z:@QN.IXZ.BHZ>(<1T]+30JB#Z*H`]^Z]U-U+]=
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M.:&1VE33B(:JK^!]88_!8^-B%(BID`554>_=>ZLRN#]"#_K&_P#O7]/?NO=>
M]^Z]U[_'\#Z^_=>Z][]U[KWOW7NO>_=>Z][]U[KW_$\CW[KW7O?NO=>]^Z]U
M[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^ZJ_PM]G0=]M=6[`[NZQWYT_VKM7';
MWZU[,VKFMD[YVEEHWDQV?VUN+'SXW*8^H:%XZJE9Z><M'40.E132JLL3I(BL
M/<>O08"^754F)_E+]@9O;^&Z?[K_`)F?SH[<^+^TJ'^[.U.B\;N79W368S.P
M13M0T6P^YN^^I=M;:[L[APE-A0E')/49>@K*R!3]W-,SL3OI3JI4Z1J]>C_X
M/X2_#_;G2NV?CACOC'T4W0FSJZDRNVNH\GUCM'.[%QN;HI/-%N-L'G,3D:6N
MW1-4EII\G4B:OJ9G>2:9W=F/J=5)8D%2:]&+Q.$PN`QN/PN!Q..P>%Q-/%28
MK#8>BIL9B,92P`B"GQ^-H8H*.CAA4V5(T50/H/>NFG+JI8].)C4WOKL;%@6=
MM5KV#%RS6Y^E_?NF?'/IU[Q1AM04*203IL.0+#D@L./P"![]T]UD7TKH!.FU
MK'DV/UY^OOW7NL31*][EC<ABI/INMK%1;TD6'(^OOW5'#D#0U#UV\8DOY/6"
M"I5@&4J19E*.&0JWY%N;#WO'ITV!,O<7P,]<B`3JY#6(U`FXU?6WU`-OI_3W
MKK?C'TZ[)O:Y:X-P;V8?3_"UN/Z>_9Z?4,0".!ZX2SE2BBY=W50!_B0.1_K_
M`)_'O=,5Z;9BKHA4Y\^M0O=&S=J4G\R.KWYF]J9_?O\`*R[5_F@57QYR_P`=
MLSNF*7:Z?S3<IM`#+_**KZR^S:+L#H^;LK!S8.IVSE,C)1TN[Z>3<T&/?3&#
MK-3T9%4$%2WZ]`?RK3CZ_+\Z=7V[[_EO=!=K=C9'?/;>8[A[/VYD.UMK=RR=
M%;T[/S68Z#&^MC4&.I-G056P$2E&?V'M?)X:FS&.VCDZFIVI29Q#D%Q_W3O*
MWNF0212N/Y_ZOV]6!^-7DU,6UA38ZK,`;!B!^-7'TX]^Z3=<A`B!E_<*N+.C
MMJ5P0P(92+6*M8_UX]^Z::4J=-.'3=@L#@]L8J@P.V\1CL#@\531T6+P^(I(
M,?C,;1Q%C%24-#2QQ4U+31ECI1%55OP/?NK+(7)J.G;2+@@:2#J!7CD@`GF_
MZ@.;6O[]U?KB8T:UQ]--N?PI8A?\5]7(/U'OW7NN3#6NAF?3_M+:3_R4.??N
MO=<?&G`L;*00I9BNH?VB";,;_P!??NO==E`>>5-K`K8$#^@N"+'_`%O?NO=$
MR^>_;.^>H_C5O"IZFQE/F.Y>R,]L+H?INER$8DQ='V9WQN_#]7[=W#E_+&](
MN$V?_>23,U8E!B:GH'C8'78^ZVIHRGYCHM?\C[%4&W?Y7_QEVEA9GKMM[._T
MP[+VOF&HTHI-Q[9VCWMV5M["[FFBC-B^Y:+'K6M)PTWGUMZF)/O7IV_FK=,X
M%=1_R=6O+$$_02MRQ)!LQU&[$D6Y)')^O'O=?49Z22"5G9E>@ZZ,(8AB6UVT
M:U8JY!L"I8'D,0+_`./OV.G(0ZZ];U'5#7\QS=O=GSMZ&^:7Q]^*>*V;M38?
MQIK,E2=R=X]P8+=M/D-P=R=)83"=[[?V7\7:&BEQF#RN5V5O';^'Q^?W5FZM
M,;C:N>6GIJ.M>&22/7'I=;,JSPNQQ6G[<9_;U9'\"JK>FX_BUT]VIOWM[L?N
M?=7=_7^R>Z,GG>R<3LC;59@*GL/:.$W#+LW;NV]A[,V9B,#M7`U%8\=+!)3U
M-6J7,E3.UF/NDTB@2NJX6O2F^)_QSI/C3UGEMFU&<CWCO7?O9G9W=?;'8,>.
MFPT^_.S^T]W9#<^>S[XYZ_)-0+0T-118NE192%H,=""`U_?NJ'B:=&?,49).
MA;G\V%QZ@_UM<^L7YOS[]UKKD1>U[\&X/^(_/OW7NN(10%4#A+Z+DL5)_(9]
M3:A_6]^??NO=<V]14M8E#=3874VL2#;BX]^Z]UX:@2=36))L>1_K"X)`_P!;
MWNO6]:_#IR.N.G_:G^M_U'Z?ZG_@OO76NO_0V^?YC?:^]]A?'R/KCIZK%)W_
M`/*3>^VOC#TA5Q2PI5[>W3VK)4T.Y>Q51JB&I^RZFZXH\SN:HDA5S&,6MQ8^
M_=>Z*5\-^H=L[]^7N4S>S\--2_%S^6/UW0_"[XI1L9AC=S]SY+;^.;Y.]I`:
MGHLME,#C:;%;57)J`\M<<N"2[R,WNO=77,03<>_=>Z#SM/M/8'2O76\.V>T]
MUXG8G7?7V`K]U;RW;GY?%B<'@\4GEJIZGQB2HJ*J7B.FIH$EJJJI9(84>5U0
M^Z]UI[_&CX3]??)'^9OW9VO\C\GVMCOA=T=UJ?DQNCXZ?+/N#=&^]I=.9SY(
MP5.4Z6Z][8J^QMS2XGK[<%=LF',=I9S9Z3R1;0@SN`QM?-,_EC3W2M)--N$4
M]Q;_`%?ZOGU8[VWOWKWY@5_6_P#+G_E\=?S_`!]Z&[OI<EV?VG\H^ONGMI;!
MV'6=&].;DPE-NJDZ?V3D</C\ENN#?6[6H\!1;MR.#&U*TO(*"HRL?DT>Z2FM
M37CT.W\P^KZ6^+'4/Q,Z)QE;C]I8#L#YB]6]I]@;CW2F:WCNRLV#\=,[2_(O
MNSM+,9(P9S>>_.S,[-L7$8&B:%:S,Y#.9['4-%`Y,,`]UKHPW0'3W87;_8L/
MSD^8>)J-I;RH*3)S_&7XX[HK,><!\.^L,KCJB&MW5NF"FFJ<)7_*?L/!223;
MKSKS3+MO&3_W?Q<B0QY*JR?NO=.^UOYGOQGK?B'O_P"=^^<QD^K?B=M?=.Y\
M+UWVKO*GF$O>^T=OY:':^!W_`-8[.I89]Z9.A[.WA'4X_:N-EHDS.>$4533T
MS4]73/)[KW1P^C^VL?WMU1LGMS$[,[*Z\QF^\-%GL=L[N#9U7U[V5A\?4RS+
M0_WKV3DIILIMJMKZ:):A*:J\=2L$J&1$8E![KW1`?E!?NS^8O\&OCZU3"-G?
M'O;79OSZ[9HJN3QT,M5M>)NEOCY(\DL9H6FH]^;PS.437ZX_X.94TF/4/=>Z
M+%M/-=K_`,X_MS=>[-E=V;XZ:_E0=)]C9+9&S,IT7NC<?7W:_P#,*[5Z^K7Q
M^_=U3]O;;K,9GMI_$G8.]8)\)C8=OSI-O2NH:R>HJUI4IXD]U[J]JCI5@"T[
MEBL5/'#&7=W8PTZHL<LM46?5/HC&HEB7MR3<^_=>ZJX^%6,C^3W?'=7\PS<\
MG\;V[D,SN7XY_#BCJTD_A^R^ANN<_-M_L/?>&IYHFCH\]W;V9A:RHJ,A&[32
MX>AHX%98=2M[KW5IA1JM6C$GCBCET/$5_<:);:=)Y1DU&X(X]^Z]TT;PWEM/
MKS:V>WCOG<>(V?L[:V)K,UN+=6X\C28G`X+#XZ`SUN3R^2K)H:2AHZ:->6D9
M=1(`]^Z]UIQ_S$OG+D_Y@'QTZ,G[DW#0?"[X@_,7M_#=5=']>=F[YP^VMR]H
M;3V9N%M[]T_-7NS=L%;24F)Z5ZRZRVNV/Z_V%1N]?NG?V<H*BO\`)'#0T[>Z
M]U89D_YHFV/DI_,1^%_Q2^(N^NR-C]-=!Y_L[M;YE]B[\V[N#JW:.X^MMH=6
MT_7'5O74M9V!%B<UF:/</;O9^%@K(\E24,BYB"D1==0&C7W3P4Z*G/\`J_U?
MLZ2G\TSIS,_%[?6[-U]`;SS^"ZW_`)FN<;9OSD^,FQ\%5U^Y,E@]B;<ILMW9
M\UOCU/BV@_NKVAM/HW`U%!O_`!KJ])O##M#4A!FJ2*2I]U1^('ET2/\`FN]G
M_.#Y0]B_\-N?"?L3XZ;=_E[]D]E?#WX;46^MJ4F\Z3>-%OG?/6&7[(WK\>Y]
MQ8/*KC-Y[$VATIMNFWAO*@PPI9J;;-108FHJEDR-53M[JG1YOY:OPHQ._OGW
M\KOD=W;V#OSY0S_!O=NP_AOT)V#W;4XAH:#NG976&T]Y_([?O6O3.W*?%]9]
M#;/P6<WKCL)L_#X/%1BBI:2>NEK*ZLG-2ONO=;+9YOS>QM];V]^Z]UP#$L5*
MD<\&]PPXY^G!//')X)^GOW7NJ<<WNRN_FI]J]A=+;%S.1Q?\N7H_>%5L+Y`=
ME;8R=3C:WYL=P8"I6'=GQJZ[S^.>GJ*/XV]>UJ_9=A9VCE$VZ\F'V_0R+0Q9
M2IF]U[HK?Q&Z\J/E1_-4^?G82[<Q>&^)GQ!W_P#'OXM]?X;#.,=M;=G8?Q9V
M&VX]O]8XK;F+AI\)1;"^/W8O9.4W!-1((H1N2?$J(2N+'OW7NCV=CV[K_FB=
M&;+=TDV5\,>@][_(7>`TQG$P=M=V5AZWZVH<S5E@M)7XC9F'SV4I]5_1)Y+`
M"_OW7NB)5WR^[Z^;?\RWX4;/^-F_\YL?X>[=WAWGV]DZG:^6GI*_Y*]0=`X-
MNM=W=K;P6E$\%;\?MR]\[_Q.U=CTA=1GZG'Y/,N##!1:?=>ZN@Z4^1^VOD+O
M#M&GZJQZ;CZEZMW%5==3=QQ5*/MG>G;F`KZNA[!VCU]''"R[BP/6D\"8[*YR
M*4439XU&/IS-+0UAC]U[JDGYS_+REH/F!7=N;3ZZR?R!W+\-=Q4?P]^$72>W
M2\Y[O_FB?)W9<^=W!2564FI:?#[?VK\?^C:9)MU9BLJXJ?`8^OK9O(:C1"?=
M>ZN+^,^X>R.KNN>ENC_F9\E^I^WOFENO:6?W7G(]MXW:'5E=ODT%7_$]R1=:
M]64>27+9_:/65/E:?%RY>&DB-7%`E950TLD[0)[KW5=/\Z[I[O?L?9O36&Z:
M^6O:?2]-WGO;#?$'<'06T]J]?[FVCWC#W;G\>V2S>XZK>E#79#;B=>;$P.:K
M*JIH`L]=CT:F>2&)Y#)[KW0*;8^7?S^ES7:/P5^`5)L_YR[_`.CLAC^F-V?.
M3M/JW$_&;XG?$K=^V\?%B-P=?;G@VAELQ!\G.TMC4T4)J\)L?&XZ'`U$M/3U
MZOIJ$'NO=7:_%;$?*3`=-8+#_,C>G3G8?>]#796//;SZ*VON79NP\[AC6.VW
MZI-N;IKLE7XW.K0,$KA',::293)"D:.(T]U[HQGOW7NB[_*[Y.=>_#SH#LGY
M"=EQY?([?Z^V_5Y*BVGMBFILCO?L3<S12)MGK7KS"U-71#/[]WQE_%08RC$B
M"2HF!=DB5W7W7NACV?N"KW7L[:NZJS;F<VG7;EVQ@]Q56T-R014NY=LU69Q5
M+DJC;>?I8I9H*;.X66I--51J[(D\3`,0+^_=>Z0G5_?O3_=.9[:V_P!7;YQ&
M\,ST3V5D.G>W:#&"M6?8_9V+Q&%SV0VAE/O*.DCFKJ7$[AHY6EIVFIKRE!(9
M$D5?=>Z%R201A25=M;JBJ@#,68$BP)`/T_K]/?NO=:ZOSS_G8=K["SS;-_EQ
M_&_:_P`L9]N?('K[XS;U[@W[NVJVMTSN/Y"[^S:XV'XP_'S^"R?WE[\[GV_A
MZ2MRN[:W"J^W=AXRB:7)U$LODIH?=>ZV)*-ZF2FIWK(5IZMJ>`U<$51]U3P5
M;1J:B&&H,-.U3'!+=%D*)J"W*@GW[KW4KW[KW7O?NO=>]^Z]U[W[KW7O?NO=
M>]^Z]U[W[KW7O?NO=>]^Z]UZY]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]
M^Z]U[W[KW7O?NO=<6=$95=@&<^D#DVM?40/I[]U[K%)I\B2(;NJE0;$6!-R#
M_7W[K?BA`4)%#U77B_Y9O16-^259\BY,UV%EL>_<.6^3&W.@LON4UG1FT_E1
MN7`1[5W3\D:#;<U$^7KNQLAMZF6.AAJZV;$86JGJJNAI(*JJDF]^Z]XH8!13
M_BNK%J>-DC*M)J.MSJ8:6(8ZO5R=1N3<_GW[K7731%IUG4@H$*?XDG3R/KQ8
M>_=>ZSL;DGW[KW77OW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[H+.Y^FM@]_=:
M[OZC[/Q-3F=C[XQ,F(SE)C<WF]KYF)"5DI<C@MT[9KL7N7;6=Q=4BS4E=055
M/54TJAD<,`??NO=3>I.J=A=&];[)ZAZLVSC]F]<=<;9Q.SME;6Q9E>BPFWL)
M21TE#2)/4F2LJYF"&2:HGDEJ*B9WDE=W=C[]U[H1O?NO=<@18@WL?Z>_=>Z(
MMVM_+ZZ4[DW/OVOW?N7N"GZX[:J,=DNW_C]M3LG*;/Z1[6S^/EHO+N+>NW-O
MTU%N&KK]PT&-IZ/.4M-E:7%[@I843(TM2=3-[KW1U\7C:+#8^BQ.,H:#%XO%
MT=)CL9C,52Q4&,QV.H:>.DHJ#'T$"1T]%14=+"D<448"(B@*`H`'NO=.'OW7
MNO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO_]&Z_P"??R+WSG?GI#3]+04F
MY-U_$#JN;H7I^ACCI<Q-DOYB7S\PZ8'J^AI<;Y#!34G3'0.!S.[]SU\KI_#,
M&\D9_P"!94^Z]U>#\9.@]N_&+H?K?I':]1+D*;9&WXZ?+[BJ2SY/>&[LK+49
MK?&]LO5LK5%7FMW[LKZO(5#N68R3_4V`]^Z]U5#\ZOY@7\P#XV_);)=9;7^/
MNR-E?&^?;FW,_P!=?*[<O0_RN^6^T][9&IQ\IW=L7>^U?BK14^Z.C-S;?R<$
MGVT^6@R%%D:15D1P781>Z]U5CG?YFW?_`,Y,EG>UL_\`&O:\7QX^"'5N\/DU
M5[@[9W)O3J#XF=Q[AV%6[N7$?*+(=?;XV$WR,[8V[UOF=AU^,VIU]1XJ*.GW
MP1-D\VCQ4+0)_$;R\NG]"@`'S_U?ZL=6G_R[/Y9V(W)TELKY%_/2+.=X_(WY
M%[R?YF]H]5;ZK:RHZ"ZS[R[9Q6&KH!A.D991MG*9_K;9U#B=OT-5N$9RHP4&
M*6#&O3('9WDKIR>JF1EJB&B]&E^",=-W;VS\M/G"],[8GMSL6/X_=$5$\2A4
MZ`^,-=F-D19C!S7::GQ'8/<$VY\N(]*J8A3R#ZBUNFNBZ].=<4WSN_FA]K_-
M+>!ASW0?\O\`BR?Q(^(&",B5FU]T]^25&-S?RF[_`)::5Y89LOL7<*46RL'(
MAEIQ+BJJK4K4QPO'[KW1J_YJ#Y[)_#/?W3^Q\[7;8W]\JMV=8?$_:^:Q9D3)
M0#O_`+`P&P=Y5%'4I-%-03T'663SM4*E&5J;P&4$%=0]U[HDW8N/Z7WM_-M^
M,OQ6WYF^N^L/C_\`RU?BAM'Y(=`]*;LR^+P>-[*[PWWD=T](=<[TP&"W/50T
MFY]N_$OK7954N.J*/S5&&S^Y8)F>.6.`GW7NK7=K?*GIOL#MB3J'JW<4W:NX
M,4F0??\`N/K*B_OEUSUC7T5'#4T."[,[%Q<\NUMK[LSZL4H,)]S/EI55G:GC
MA'D]^Z]T2/J3JW"?*'Y$?S?:O?!S%3L+L2?KSX%T]3BZR#'[AQ.Q=G?'./*]
MG4^ULT(:B7#2U>[OD)DW1@&"U=/'*REE`'NO=',^%G1>[OC%\6^E?CGO+=6U
M-[U?1FR,1U5M_=VS=ECKK&Y_8>QH?[O]?UV2V;!DLIC\+NM]G4-$N9%%*M!4
MY-9YZ:*"&1((O=>Z67R;R^9V[\:OD-GMM3U%)N#!]&]M9C`U-%`*BKILSC=@
M;@K,744=.?3-50U\,;(A!U,+?GW[KW0(_P`O'%X.A^"'PYHMH56,JMN3_&SJ
M"O@J<1324>.JJS*[0QN5S&0IHVFG^V_B64K9W:)G>179@Q)O[]U[HZ$;04TR
MPKJ*NI90]R8U!TB&.4^EHRWJ`!)'U]^Z]U3;_-B3NCY)CJ+^6CTAL#-9.#Y@
M3Y;+_*#MO+8:9>L^H/B=UA5T&4WY@<UN23%96GQ._N_<L:7:6`$5+6U=-#65
MN02"]*KC1K0TXTZV*5%>'6K/USW3TE\5<7W5\Q_C/_*^[-ZV[X[SVYA?B=_*
MNQDF`I_D/T'L??6U\C6XG?G;NT_DAOO?FYJ+>FY]S=OS5@VY)A,=34TN!VSC
MXD2.GR-?,&BY_;T\(QP_;_J\NK<OC-_(5[-Z)^/_`,6!V$^V>]OD;V'\\OC?
M\E?Y@==NO.Q5>WY>H^N5[+WG7=:X6LRSR+V+3;7[@W92[IS1J!++NW=+S5[J
M88:.&%T5H*\>FRQ!H#VCAU:1\BMF?*O>GR6^67=/4/6&8S.Y/C5\&<MT]\)L
M3N:LV_MS;G9?RA[WI,SO/?&]]KYS=-]NQ8S:.-V[M#`U-57::1YWKZ9A9&/O
M?5.B%?`7X`[LZ<^:'PWZ'S^Q<YB^H?Y7/P?F[,RV^:W;E>=L=]_S%?FW4Y3&
M=X=EX?>]6GVF^ZO9FS\)EJ=9I9:FKQ3YJ.%%IX1%K]U[JS#L+X`=J;>^3&]_
ME3\+/EAF_C%NON^JV[7_`"4Z?W=UAA^]/CGW5G=J8"':N#[`CV'7[CV-N3J[
MMS^`4%'19'.X+-119:DQ]*E923/%YF]U[JPCK:A[$QFT<30]K;@VQNS?<$4B
M9W<>RML9/9NV,I*L\W@J,?MG+[AW56X@M2Z/(AR%4K2!F5@I"CW7NJQ/YN?<
M&_3L/I#X(=#;ISVSODA_,D[.D^/^T=Z[6E:'</4/1N"QD>[_`)8][8R>.6"6
M#(=>]+P55-CY(98:J#,YBBEB=3&S+[KW3G\XN^>J?Y,?\K_<>Y.F.NZ2@P'0
M_7FV>F?C3U;AZ)YZ7*]D[@\>S>K<;D/!!-59-ZW<M6F2S53*LE9D6%1-([U,
MK.WNO="3_*Z^.VX?AQ_+^Z1V%W'F6J^V7VWN3O#Y);OSCA,CE.Z.X]P9WN+M
M_-;GK9$BU5>+W#NBIHWD("I!1H@`C1;>Z]U1OM;L7</RR[.WSU?#F\QU9C/Y
MAE7N_P"<WSF[.AW)D,!F>I_Y3_2U7D^F/CGU0,X8M&T=P?)#";1KWJZBE>%Z
M3;-;D90Q-1KC]U[H,-Q?#;M3Y^]&YG^8A\:]G=K]:[^[J[U^.?QM_ET-UCNW
M*]2YKXI_RE=F[@I>G=V;PQ>WJ'.X'^!;<[UZZSV[]U97$R1U%13T>1Q4E&H>
MFC]^Z]ULT]Q[ZZ7_`)<?PIW?NW:VS\1L7J#XS]3+B.M>MMM8V5*&JKL?!2[7
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MVOL3!Y>;97R$V/#O7-553D<K)MK=]7/2O/-5QT3JIB;W7NK`?Y;7S1R?SR^,
MU!WMF.K:[JZOCWSO7KR7[:?/97K;LL[%R4>,3N'H7=.Z=L;(W/O/HOL..456
M!R60PN*K"JRP2P:H3*_NO='W=@J,Q)`4$DJ+M;_``$D^_=>ZILJ<AC_G+_-+
MSVQ)!6Y7HG^5GAMK93<M)-#3U>S]]_,OO#;G]X=L44CQR(N6JNANL4@KIH26
M^PR^:@#A7N/?NO='T^67RJV%\4OC'\C_`))YRHH-RX_XX=9;OWUG]L8W-XY<
MGD\Y@<#/D,!LB67S3#$9S>&7>DH:5)E\C2U::4>X!]U[HL/\IKXV;D^*7P>V
MK6]Z9'$S?(7O7.[X^6WRRWI4ZZ!<EW1WUFJKL+<\>:R&5:.9EZ^P-?0;<669
MPJT^%5AI4V]^Z]TFOYJ_=U91_!5=Z]2[\RW^A_LCM3J?87=O?71^7GW!E>K_
M`(T[MWK%@>XNTMG9W9)RE6QPN+B;'S5F/\DM#'5RS*4,)=/=>Z6_7/0_\M/=
MF[?BCWQU%DNC<[5_#;K_`'ULGXT9#8O9V`K-F]>;9[@Q6)QN],C2;=PV=?;S
M[HW#CL5HDR=5`V1UU%2S.9)I"?=>ZL*QF[]H9E9),-NK;65CC-I7QF>Q=='&
M=1'[AI:N94-S^??NO=.39C$*65LMC%97:-E;(4@*R(H=XV!FN'1""1]0#?W[
MKW4JGJJ:K3R4M33U4=E/DIIHITLZZD.N)G6S*;C^H]^Z]UG]^Z]U[W[KW7O?
MNO=>]^Z]U[W[KW7O?NO=>]^Z]UT2`+DV'^/^`)_U_H#_`+;W[KW78Y_WW^`/
M^]'W[KW7O?NO=>]^Z]UT2!]3;_D1/'^P'OW7NNF=%(#.H)^G(Y((%K_35<VM
M]3[]U[KE[]U[KWOW7NN@Z7T_K/\`12+C_7`/OW7NHVF,U7F21UE0:9(T&H.@
M!`60D'38\\6^GOW7NN<CB0AU&I3>.]^$;58N2..#Q_K^_=59%;+"O74,NAO&
M[^20ZG!XX4&QCN!I]%K_`.M[]UX(H-0,]=S?OKZ)'B!^DD(5V(_(^C"Q'^'Y
M]^ZMUF4!5"+PH^@_I_M^??NO=<K'ZV-O?NO==>_=>Z][]U[KWOW7NO<#DD`?
MU)``_P!<GCW[KW7;#2+MP"0!_KDV`XO]3[]U[K@&4J6#+8,5)U+PP^JGG]7^
M'U]^Z]UYG1%9V=%559V9G555$&IW8D@*JCDD\#W[KW6&DJZ2OIHJRAJZ6MI)
MU+055'415-/,H)4M%/"[Q2*&!!()%Q[]U[J1[]U[KWOW7NO>_=>Z][]U[KWO
MW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO_2VPNI?Y:&P.K?GUW_`/.Q
M^P=P[IR/;TU!G]D=3Y.@IXMJ].=B9?8^$Z\[7[%PF3AK6K,_N'LC:NU<90JU
M3#'_``FB2I@@+I4G1[KW5EH!``)U$`"Y%B;<7/\`B??NO=$>_F0;`^1O;'PP
M[KZL^*&5J,%W=V3CMI[&PN=H]PXW:N1P&S]S[]VOB.U\[A<]EC]AC<]B>JJK
M,ST;L/*:A$6']YD/OW7NJ@/G;\6-JTGRM_E.?R[^C<;18KH_MCKS>.P>]=C2
MC[V)?B-\-M_=(?(B6/,5H<5%74=E=@X+'[?K*F<L]:V9J]8?SU%FS&"00:=.
M!\&HJ?\`4.KD_G]W3G.C/B)W/O79S2'LS/X"FZJZ9Q\,@3(9/NGN7.4'5O4]
M%01N',E6N]]UTDI6UEBA=B0BEA<"E<^?39Z*-\V]\Y[^5_\`RFI]K?'J@&:[
MBV7USU%\4_CK%"'2;*=^=PY?;?2VR=XRJ\4ZU-;#O'=;[AJ(Y$_RR:!XV9/)
MJ&^O='L^&GQOPWQ&^*_0_P`;L-DY]P?Z(NN=O[8SVZZR:>HR.]M\K3?>]A;^
MRU54,:BIS&^=[UV0RU7(YU/4UCW_`*>_=>Z,!F=MX+<,N#FS>'Q>6EVWFH-Q
MX%\G0P5S8?/4M+64--F<6:A'%%E:>BR%1%'4):2..9PI&H^_=>Z"GN3XR_';
MY#TV-HN^^BNH.Z:;"M*V$3M3KC:>^IL$:BHIZJI_@E3N/%Y"IQ0K)J6)IA3M
M$)?&->H>_=>Z$C:6Q]F[`V_0;3V#M/;6Q]K8L,,7MK9^`Q.V<!C`[ZW&/PN$
MHZ'&TFLDWT1`WY^OOW7NG'%;>PF"?)28?#8K$2YO+56>S4F*QU+CCF,Y6PT]
M-5YG*&EBB;(Y:JIJ2&.6IF+S2)$@9B%`'NO=/'OW7NHTHBJJ>>)TCEAD22*:
M.6-:FG=&4QRPSQ"XE1D<JZ$<J3?W[KW53^Q_B'\OOASN#=&`^%':G2N\?BMN
M+<&>WAM?XS?)^CWO12?'[+;BKI,OGMN=$=P]>KELE3=39#.U<U72[<S>)K4P
MS2M#1U20,(D]U[H38>J?YB'9M;6TW='R4Z:Z(Z\E,=)_=_XB=<[@RO9V2QU1
M`8JE6[M[TJ\M0;6E:H8G[C&[1^ZCAMXIX90)35VTBO7NB:]Y?"GY1'O;)]!_
M&:CW!UK\6^Z/CQ7;=[-^3.7[9_O5O;']K=D=ATN*^0?96]?[X9/*=M]C]\Y'
MX][?AVMUW5&=L3MZHW+D<@L]$**&EFIK)IVX(X];&"#UG^./1O6?R*^>.8[#
MVUU]BJ/XD?RMMMX7XF?"S;6-GKJ?96&[UP.(CI^X]Y;;PM,\^&RT/7V#?'[9
MI*^IDD>GJJ21DO-=TH:U8@87A_J_GU?Q,$4X\>KS8IF&D*7.O3KB8B60C@GU
MW`)`YO\`D>WE^%?LZ;.37K@,G2PUAHZJKHA/4-(U!1M/!%5M%%&K,$AED6>J
MU$%KHK!0#<^[=>Z<@#^;`<L%`MI9OJ/Z?3Z_X_Z_OW7NNR6']@V_U>I=`_KJ
MYU"W^M[]U[KE[]U[H)=_;FZ3VIN+;.X.T-Q]7;8W/@Z?,3[+S.^\UM##9[#4
M>3@AH=Q5.U<AN"HILKC:;+TT4=-7&B=%J$54E+*`/?NO=![\F=O?$_>&SM@9
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M:>U=NXV!*?&X+;6W<72X?!X.A@!84]#BL91Q01(#Z4C`]^Z]UCW7LO:F^:&D
MQ>\=MX#=6,Q^:P6Y:#&[DPU#G*"CW'M?*TV<VWGZ>DR,4]/#F-OYFCAJZ*I"
M^6EJ8DEC(=%(]U[I4#@`7)L`+GDFPM<GBY/Y]^Z]U[W[KW7O?NO=,68VU@,^
M])+G,+ALQ+C99JC%R9C$T&5.+J)X&IJB>@-=#,U))/3NR.8])9#I)MQ[]U[J
ML&N^4G;O<_\`,_V5\5/C;41Q=`?$396?WI_,&WTV/PE?MS([Z[0V/68_X[?&
M7;&0FHZK(4._\)42IO7.F@>GBH<5'24\\FNI:`^Z]U:P%O&%-^5TF]U)_!YX
M<`_@_6WT]^Z]U6OW!_*;^'W=/>.Y^_,[0]T[)W5V3%CT[OVQTK\B.Z>D.MOD
M)4X7%Q87;^4[MV/U;O7:V+WIFL%BHA3Q5A,%34P6CJGJ(PJ+[KW0X9KX&_$?
M.?%[>WPR?HS8N(^-O8>V*K:6[.L]M8UMNT&5Q]48)!D9\KBIJ?/2;GHZVD@J
MZ;+/4MD8*RGBF6;R(K#W7NBQ;"_DU_#7`5F.RG;U5\A?F/F,)3XZAP-7\U/D
MAVW\BL/A\?BUT4E'1[!W=N1>L9$6-45I9\)-42"-=<A.K5[KW5FN.VGMO#;<
MI=GX7;V`PVTJ+%M@Z/:N+P^/H=MT>$-.:1<-2X*FIH\5!B!2L8_MEA$.DVTV
M)]^Z]T3G=/\`+'_E[;RK),CG_AQ\?)Z^:KJZZHJL=UO@MOO55>0)^]J*D;>@
MQ:U#S!CPX8`GBWOW7NF*#^5)_+EHH/ML?\/^F\?3E/$\6/P=5CT>,H\;!UHJ
M^`2,4D(NUSS[]U[J52?RLOY>5##+3TWQ&Z::&>FAI)8J[;U1DHFIH="K$J5]
M?4".Z1@,5L9+#42/?NO=&RZLZ=ZMZ1VW'L_J38&U.NML1F,I@MH8>FPV-4PA
MDA/V],H5C%$=()^@X'%A[]U[H2O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7
M1)N%`NS?3^E@1<D\VL#[]U[JL/I'YI]R?,F?Y#;N^)W7?6#='],=D;_Z,Z^[
M"[@W1NF@JOD3V[U76P8K?F0VI0[.Q&0I]F=-8G<ZU6%H<]5292LRE7335,>/
MBIHD-1[KW0E=8_/KJ*LZ^6?Y#9O;'QS[YV'\>\5\AODA\?MVYNHGW?T-LOSR
M8?<VZ,Y%_#*>MKNML%N&EF@CW"M.E%/3HM0WB1K+[KW6+>/\TC^7EU_/6TV\
M/F#T7A9\9C^LLUEHI-YT]4^%VYW)38^NZTWAG5H(*K^![#W5C\M2U$>?JS%A
MZ>&JB>HJ(DD1F]U[IQ'\R[X(G`=[;I_V9SK$[=^,T.W*[O+,)795Z+8>#W?D
MAAMK;LFD&)#;@V/N++ZJ>BSN*%;AJB5'5*HF-[>Z]T'F2_G!?RU\5C=XY7(_
M+#8M+1]>[CV_MS?;#!]@35>R_P"]:4<FV]X[HH8=GR5V!ZES*9&#P;WJ8HMG
MN9`/XE>_OW7NF7/_`#IZFZ>^0_S'K.ZOE_U;3](_'/IWHO?VY.H,3T]OE=W]
M!8_L!ZF&/LGL'M?%MF\7OG`=E5=3`V,I<=0K_#Z73+*P0^:3W7NE[@OYI7P@
MW%M+NO>]+V]58K"?'_%=9[@[$@WAUWV7L+/-MONVJBQO2FYMF[;WKM'`YS?V
MWNX,Y.F-VW5X>"LARN2=::%C*Z*WNO=8X/YH'Q-GR^\]H-G=^4/9FP>V^O.@
MMR]39OK;=>W-_P`'>';--497K7JR@I=P46,P&9W3O3;%)-FJ$4F0FI'PT3UC
M3K"-7OQ-!7KW1GNC.[-J?(3KO#=G["HMWXO;N>RFY\))B.P-F[@Z_P![8;-;
M*W1E]G;FP^X-G;GH\?GL'D<5N#"5,>F:)4GB59HF>&2.1F_$J:!.O=:[^T/Y
MM':F1^8/RTW)5]B3;F^/'PH[WWCCOD1M'KO:N"WYU)B_A7G^O/X1\7^P^G,Q
M@,3+VGVE\H.S?D%35,&6AQM?D</2TE-7T/VT7VU'+4>\3SICKWY=7._-GYJ4
M'PZ^!/>?S?R>Q,[/!U5T_+V!ANM=V4]1MG<=9NS-_P`/PVQ]H;NIJ=J^;;+9
M+=N=H*?)FT\U!#)(VAG0K[LK:JXIU[H%-N_'_P">,?273_8M)\T]SY_Y/9'=
MG478'=^VLMMC8-+\=M\[/R.:P>9[4Z*ZZV8-LS9/JO;U'M">JH<!N*GKZG<#
M3TJ35]15/4RZ+=>Z7M#_`#.OC[4;JZMI(\!V1#T]W?\`(+<GQ6ZD^2<F"Q8Z
M5WI\@]N93,[:38-/E&SO]Z*&DWAO7;60V[MS.5&,3"9S/T,M)!4W:G>H]U[H
M$-L_SF>L-[5/38VI\6OEG6XSOWMCO7XX]89/*[8ZOV^N2^370M=NFES_`$MG
MJ+(=J"KVM4YREV1EZBDS]8J;=B3'5*559!)!,J>Z]U@IOYRFQ\_@?CK%L3XL
M_)+>7:WR0[/^2?Q[P73D`ZGPV<V!\EOBY3Y^7L/IGLS<V4[(CVCA))%VO6U5
M/GZ2JK\%_"X35-4`@PCW7NL-1_.3V5-T=)W+A_C5W1!+LG;GR<JOD)MC?V2V
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M;+34T,U?CH,H*>FBR<.-K2T2U`BC$RIK"+>P]U[JG'X2;+H,)_-:_G$1(^:?
M$[?K_A#D-B8G);MW!F\+M!NR^AL[G.PCL[;N4R^0QFSZ;=VZJ+[JL2BIZ9:B
MH4L!8"WNO=-6\MN[<F_X4`='5DN-6L_B?\L'NC>`9JNNGPXWOL[Y%]6;6Q>[
MIL1!6KM]MV8W;.Y*K'0Y&:GEJTI)#"CJ$%O=>ZS_`#=W#E>X_P":'_+J^#>\
M<CFJ#XY[IZS^17RK['VG2Y*JV]AOD!OWHT[*Q'5?6NY<E0U%+7;LVAL;);IJ
M=S9?;)<4&3DAH),A'44T'A/NO=6$]=?%+K3J?Y%;Z[\ZW639DO:O6.U-@;SZ
MTV^\M#UWD<AL3-Y7)[<W_B-JQU0PFW=RP8O/U&-KY<?1TXR,7@>H9Y(4/OW7
MNC4G@D?T/OW7NNO?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[
MW[KW7O?NO=?_T]_"]_K[]U[KWOW7NNBJM]54_P"N`?IS;G\7_'OW7NM>;^9-
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MJE-'NO=`KNC^:[T#\E-J?'3>'2W8'S>Z,V/GOEQ\5]L8/LW"?$G,1;`^0-5V
MQO\`WGUO)T#6[C[.VS782GVE6[TV[4XC=^0H)*7*X&N@A^VE9F<>_=>Z.9F?
MG]T_O#L'_09MBG[OQ\W8W9O<?Q=V)WWMC8?W'5D?R*ZHVKF,MO?9V)W7,N7K
M,/E]I5>+KJ2'-9;#)MBKS&'K*.*IG>EF0>Z]T7?^45\WM\?(GXJ?#[;>_*/M
M3NGNC<GQRH>T>]N]9<=M"GV%M+*5V\=P[>P^W=^[CQU;B*5.U=PT^+-5!M[&
MXR2NAQ4:UE5'2QRPM+[KW3OW?WEW%W?_`#1NOOY=O7O86YNENI^MOBMD_F)\
MDMX;'>AQ?9/;%/G=_#JWJ;IG8NZZRFR-=U]MBDS5/69C<F5Q\<>7K4@@H::H
MI%>HE?W7NE?F-P=T?`3</8&X]V;N[\^874GR![DZ"ZR^-?7U?'#N'<OQUS.<
MP>[:;L[,=Q=RU>/Q^.V[\>H'Q5+E#N;<-16Y"BF?[&0U,TU(']U[H$Z/^=3B
M=\4GQGQO1?Q$[J[J[%^4._?EGU!M+96#W[TW@L3M[MKX>56;INR]N;AW[FMW
M1[;.UZVGP9K<?N.B:IQ4]#/&VK[EOM??NO=(#9?\Q'K7Y2?)S^7UO+;73'R2
MVWW)OO`_/OK'%=99SO0==]:=>?(OXS;8,'=O1/R/ZUP-9F\%O?/83(44(V[N
M@XZNHZ!:Y*N)5F+0)[KW3?T'_-Z[WK/Y?'QS^5O;'QVQ>YMP=P;%^5':F[]]
M8SL;#[!Z#V#A.A-Q;HEP6P,WO2OV[7Y"+M7LV#&'!;,P='C,A_&JC'S5E554
MRB98_=>Z<OC+WWA/D1_-BZ-[YV14;[VKL;Y;_P`DG:7R#CZMWEG,W6+CLEE^
M_-HOAZN?:BYVNV/M_=>%VYG%H*^JQL(-64%W=6\AHZE@`!Z_X.O=%C_G%=U=
MU_"+YH;7^>/0V4R=;BOC_P#%C&YCY"=.97>6?P'7O;NRN\^V<A\>L?OK(89)
M\GA_[U=$[PR6W\\%_APDJ:*&2$S*@=XZ:7!J%S3^>>O>O0+=2X#(;5^>G\GC
MI.BW?79GHOI;M+Y2]#;II:++9.BV)W_\OZ?XM9OY)_(GO7(P8.HQN/W]0;,[
M4SE#MK`/D(Z^BCR]'DYH&TH+U"/V@C'^JO7NC_M_-][HPV]-U[&W]\:^O=N;
MU@^)7S#^1U%LO&=P5.Z?]&>]?B7DZ&JJ^D.T^SMJ[?SO5V[]P[SV5FZ7)U57
MM"OK)-M5Q;'UM,_%3[?'`=>Z(]W]\X-];/[;_E!?S+?F)U-U!TY2;GVC\C\S
MU-'UAV#NO?WFZQ[_`/B!L7-[,VKW?N_/[,VGB=BU>([<W-`E=D3-5[:Q.'-1
M7S54'AD)WU[JUGLSYI?,?;>\L%\9-D=>]-[]^7]'\.:OY>;OQFRL9O#<O3^9
MDK=\/UUL/J78U;E=Z[.SZ8S=F[,;60UV\:R1HL11B&I&)E$VA?=>Z+!MCYG_
M`,PV7Y)_S$=S4W43;RW5T1\&?@IVCM;^7IBJN@W'NK9/9/<V,['SW8^T=O\`
M:6WMT4VQ^U-W;,JMOY:2IJ**G1MXQT>.QF-^QD!D;W7NK'OY<WRYK_EUUIV?
MN_(]F=3=FP;)[ASFP\57[`V9V'U)V+MG&8["X.>IV9\DN@>T#4;VZ1[NVKN:
M?(T=;C999:*MQ\5)D*5O#5`#W7NBG_S>\9BJWOW^2O7Y##T.1%-_-3V!B5JJ
MVAIZH4XR71/=\ZTY,M.]0D<]7012*HD6+SP12.K%$T^Z]U*_X4&9K:+?RJ?E
MOMR4[;S>ZMN8;HC?4&SZJ#$9G-T&)A^2O65#0[FBVUD%F>/'2U=%54D=6\:4
MQ=9(O(+,/?NO=%(_F]8?Y4XG8O\`,F^2.W:'';&K^K/@I6?'K^7_`(3`[IQ]
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MZ]UT2P9"M[`L6%N&XL!?\-];?3W[KW5%GPJZ\^27\LFB[U^)U3\6NTOD1T;D
M>]^Y.[_B5W1T;N#K&HCEVKWAO3(;]J>E>ZMO=A;]V5F>N][==;GS53&-Q(E=
MM_-8V99T:EJ89*1_=>Z0/R_^-OSHWW\A=W]OX;XT[0[/E^3W\HCO'X+[WI]B
M=P;6VYA^D.XLYO+=78&W&W5E.Q?[N9_=?7>X<;NM<9!D<!35-7%EJ.5YZ..E
MG@GA]U[HJR_R_P#YVUG1GR;V?5?%K$8W??<7\B'XS_`#;<\'9W2>0IU^1'6^
MU>RMH[TP-?7S9_\`8V9!#OJCJTR3E::1,>8XUDE6%E]U[I1_(W^7-\X.YZ;Y
M%R[6Z2P&`E[/_DL=%?`38-'N3M?KV%L%W5L[L7)[SWG2Y48*NR=!1;`I:/+A
M*6LHPRU5526:C6.?7#[KW0C_`"F^!7S5[IWG_,^S^UNGMN4N.^9_\LGI?XC]
M74V7[8V5$<!VGLN#L*/<QW73TL?APNSZ5NR)S25&.-2:AJ+4U-$:G_)_=>Z8
M>[_Y:OS8[JQ/SUIL;L+KG9)^6O\`*[^-?PTVC19?N&G:+;';_33[TDSV6W2=
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M%[E&3S.^]V=-[`[,KMQTW5^QJKL+,U6$WGVM7=1;)RE-AJC<%6]!D<M'"SKX
MB(V5H*V.W/\`Q7_%?GU[JO3;/\IGY^[<_P!DR[IP?8/P/V1\D/@_TWUY\8<#
ML;$;6[JW#\:_E!TGUJ?/M"7O6(#9NY-H;TZVW%$-R;/&(QF3I]O;CJ*NH\E0
MLT24V]+'C3C_`*O]7^#KW5SN[OC%D?DW\,=X?%WYJ9_!=IY#NCK?<6R.Z\[U
MMA*CKW;TM9N9ZBI2JZVQ-=69O(X.+8M1)3?P:IKYZFJFFH(ZFJ#/(R>[J"`:
M\>O=!;\?>F?YA'7FQ.M^D^UN_>CMY;3ZQGVSMV?Y`[4V7NW&=\=K=;[*^R3$
MTFY]AYVJR76FRNP-U8['QT6=S%+7Y:G>.2>>DHX)Y8_M[=>Z+=L#^5/O/9F!
MV!\<LAVSMC<'POZ/^<8^<G2&U#@LG3]N;?JL7V5FN\=E?''<&8R=5GMLY3K#
M9W=6X:G)IG53^,U6'B@QAI8V1JU_=>Z3O5W\JWOG9M#\4:;<??'5.8J?C5_,
M(^1?SQR%=C.N-V4QW[5=^_Z7VGZQ2EJ]W3T^VDP#=X9@#/$5[RK2496CC8SE
M_=>Z*OVK\6>Q_AU\A/Y:NVL!V7%O3<6>_FC_`#0^3V9WAC^C-X978/5VQOE1
MU3VY)DMI[ZQ6V\IGI,7@Y^Q-[Q;;Q6XZO)8T+-7PU$B#Q3%/=>Z-3GOY->[,
MEE,7NC#_`##W#@-W;WVW\R\#\FLA+T_M/<6'[+S'S:RU/E>Q^Q.I=NY7/KAN
MBNS-JX_%8_;6*S,4&9G?:-'_``^H$CS33R>Z]UBP?\F7=-!U[V+LG/?,.NW%
M4]E_RS>OOY9N?S_^R_[1P\M)L/K23==/MWL[$8VDWA/!'NJ'!;SK:1J.=JBC
M9C',3KC`]^Z]TN<;T16]Q_+KXD]?=A="=J21?RO<%1YO'?-'=>"P?7?6O?\`
M7[NZ<Q6S<+M/JC&;?WEN7,[I@&XU@S6YJ.MIZ3%XG+;9I6B9FFIT'NO='KZ:
MZ][YVUW_`/)W>.^NU=\[LZ3WYF-DU'3_`%KOB#KZH_T=Y##XBIIMXU/763V3
M14>9I.N=S&:D"4&XI:S+)7TL\X,$,JK)[KW0'47P"W?MSOSY2?(SK_Y@=U=?
M[[^7!Z]H^R:3$[+Z2RVWL'BNH]I9;9/6L?7M%NC8&<K=NY+`[>SDXJ:R>IK7
MR-8L<TD8$8C/NO=>VQ_+:V9LKNGJ?OS:O>7>.+[!Z5^.M=\8=C325/7V9QDO
M76XLOM[=6^\QO&ESFQLA5[L[#WWOC;D.9KLL\\21U;,(:>.*R#W7NIVZ_P"6
M;T?OKKK;.TMX[[[YSO9.Q.Z]U?(GKOY2?Z2QB?DSUUV[O.6I@S^=V5OW"8/'
MX3%;>JMLU(P#[9?#S[7J\!##1U=!4)#&1[KW1G^INBL;UEE<ENG*[X['[8[!
MRV&H=N5W8O:F:Q>3W`-NXZ;[FGP.)Q>V\+M?:&VL9)6G[FI3'8RE:NJK33M(
MR)H]U[H=O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O
M?NO=>]^Z]U__U-_#W[KW7O?NO=>]^Z]U5A_-!^*O>'RWP/Q`PW3>W>ILY2]!
M?-KH[Y7[YINW]S9'"8;<>TNEI<\<EUGBL?CMG;PBR6;[`H]QS4RU-;'%CZ)0
M6D$K%0ONO=*WYF?&WOOM'9GQLVK\9JOJ39^P^M>W\-NON[XW;OR6X^M.L>WN
MLUV_F*:#8\^].J-LY?.X[$[&WSD*//MA(L<F)W:^/^PR+1TDLBR>Z]T0?XP_
MRMOE]\<,W\`MW'LGXL;IS/PIW!_,%VK586BP7:&T=L;JZ:^:F_,9VEC,QMJ.
ME@R3[:[&V9N?#Q8Z3&/#4X9</.VBIDJ(5:3W7NE-LC^5]\F=M?R^_A%\/ZGM
M;I&CW[\/_F-U-\D?[_4"=@9;:N]]M]1]YYKO'#;43$9"BH\OC\WG*_,'%U+R
MRU%+2P4ZU,0=Y%A@]U[H<_C]\*/F'\9>P>T]E];_`"-ZK/POW?\`(#M[Y1;(
MV%7;#W/0=^;>W;W#N#-=@9[X[5W8PS&3VH.@INU\]59.7,1X>3=O\.F>@BDC
MUI4Q>Z]T#7\LS^5C\@?Y=6<V#5;5[SZLR>R]R==5FV?EQU;@]N[\I=D]T]K8
M?>&8RFR/E7USB\QG*M>IN\JG8F1I]M[OBC^^Q.[:?'TM5.D-5!!)%[KW1U?D
M?\(=P[\^4G3/SC^/7:E!TS\G.IMBY[I'<TVZ]F-V!UAWY\?-TYF/=5;U!V=M
MZBS>V=Q8E]O[R@CS."SV'R-/5XVN,R3P5M/-X5]U[H.?D/\`"#Y,_(_:^Q<C
MN+Y;X';79FR?D/U[W93[)I>I\KN7XG9[:G7V,S./@Z;WQTS4=CX#=/8&(S%9
MF_X]4Y7([C,Z[AH:&>&EBAHX(5]U[JLBI^`??WQ"^7O\M7"]?=J[][IHL%\R
M/Y@/?V].[/\`97:JOV%TOM_Y:]6ULV4V'VGB=@[BI,1+B^Q.V,A4PX_.QY'%
M-@8'2+[=*:(._NO=6(=8?RH,1U3VY\0^Y\3WMN2KW5\9.ROEWW7OQ\AL?`*/
MDCW'\WQ6Q=W;RWI54U=$-K4U+!5PP;;HL8EL=%1PI425@4W]U[HOVP_Y%,O7
M.S>@]E;;^=_>E!A/CECOE)UQUK$O6G3M0<3T+\L9JRKWYLRGI\OMW*TM%V[0
MSUTT<'8,,:99J*5Z5Z;PR,I]U[HS/Q#_`)6-%\3^U/CSVE#\ENR>SZOXY_#"
M/X,;6P6Z=F;!Q6.S73])O'%[TQE7FZW!XJ#,?WHPV1V]CX*:JAGC4TE.4G69
MI6?W[KW7OFO_`"M\-\VOD)U'VAV)WCNB'J'8\F-PG8_QC&S]K5O7G<6QL9!N
M'*4&!W+G(Y*'=PR5'V#F*;,PS3U%7CXEH_#]EK?S^_=>Z4&W/Y4O1^QJOX'4
MG7&_>U>O=K?RWL9F:3XY;1P-;M2IQU7D-Z[6S.Q^R<SVCDLWMC*9K>E1O_:6
M=JZ>K2GGQ8IYZF6HIVCE<D>Z]T"FT/Y'/QGV%A>LMJX[O3Y@R[<Z=Z\^0G2?
M5N*RW;&S:W"[7Z-^2\,T'8O3_P##&ZX6#,;9C5XVHJ^N6IW`'IJ85&0J$IH4
M3W7NC&3?RO/CS6;:^(FQ\SG^V=S[-^$W6&^.F.HML;CW1@,W@<_UCV-U1-TC
MNS9_;N)R&TY\?V=A\CU3,N%$-?&(TIHUD"FHU3-[KW053?R7OBP>N>@MC47:
M/S`V]N3XQ8_.[.Z3[TV?\E=Y;*^0VT>F-R/1MD_CI)VWM*+"[@W!T9'#CH(*
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MT,6TOAS\>-F=F4/<>,V1D,KV7BMC9?K/#;KWMOG?W8E3@M@;@J<759_:V`H-
M^;FW'B,#09U\)2)6O1T\%350TZ12R-&-/OW7NDAU=_+W^&G2N:QN9ZJZ'VOL
MB/!;IR6]ML;6Q-?N=^M=E[MRTDDU=N'8/4U=GJOJ_865>HE:5)L/AZ-H)6:2
M+0[%O?NO='+'`_Y'_P`22?\`;GW[KW7O?NO=>]^Z]U[W[KW7O?NO=8_'ZF)8
MD,P;250Z5%B8P;`E69;\\CW[KW63W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]
MU[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?
MNO=>YYL3R1<7)''X`/`O?GW[KW7O?NO=>]^Z]U[W[KW7%V=5_;`U'TZFOI0'
MZNUN;#W[KW4%HJEP0S22,&:SDE`UC<!52R%/Z?U'U]^Z]U':DI,A'5TM9315
MU'5TLU'6TLT,5333Q31M%4TM132J\%12SQ.5>.0,K#Z@^_=>Z;]M[:P6V<?3
MXO:^W\-MG#0U,U1#B=OXK'X7%Q3U+$U,ZX_&4M)2^:=[LS:;EC<^_=>Z?G26
M-Y)'8LJV\(-OH;ZOI]/?NO=9D"LJMI%V`;_`,PY8?XF_OW7NN:J%4*/H+_[R
M2?Q_K^_=>Z[]^Z]U[W[KW7O?NO==WXM^/SR>?]>Q]^Z]UXG@"P`'T`%A[]U[
MKB0"+'_B/]OR"+CW[KW76G_$@V-B"006'+`?HU$\_3CW[KW7+_?<\_[S[]U[
MKWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_
M=>Z][]U[KWOW7NO>_=>Z][]U[K__U=_#W[KW7O?NO=>]^Z]UT/I_R'_Q#^_=
M>ZCQ_P"9/^O)_O3>_=>Z[D_SS?\`(/\`UT]^Z]UED_S4_P#KR?[VGOW7NL4O
MZ8_^#+_O8]^Z]US/Z8/]?_HE??NO=9E^G^QD_P!Z]^Z]U&F^C?\`3_\`Z']^
MZ]U-3Z?['_B![]U[K$_Z#_P4?]#CW[KW6&3ZP?\`+9_^A&]^Z]UEC^K_`.L_
M^]K[]U[K''_GI?\`6'_6L>_=>ZR?D_ZP_P![/OW7NFVN_P`V?]=_^A3[]U[J
M1BO^`W_(;?[W[]U[KC_RDC_EJG^]>_=>ZSK^M/\`@K?[W[]U[J'!_P`IG_:P
M/_6M??NO=.(^@_UA_O7OW7NN_?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?
MNO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U
M[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?N
MO=>]^Z]UD3Z#_@Q_Z%/OW7NH\OZ#_OOP??NO=1?^4>J_Z=_[V/?NO=<D_P`Z
MO_+-?^AA[]U[K*O^<7_@A_Z&;W[KW65_TG_8?[V/?NO==CZ#_6'^]>_=>Z[]
M^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW
M7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^
-Z]U[W[KW7O?NO=?_V3\_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>21
<FILENAME>g915197dsp359.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g915197dsp359.jpg
M_]C_X0D517AI9@``34T`*@````@`"`$2``,````!``$```$:``4````!````
M;@$;``4````!````=@$H``,````!``(```$Q``(````>````?@$R``(````4
M````G`$[``(````)````L(=I``0````!````O````.@`+<;````G$``MQL``
M`"<0061O8F4@4&AO=&]S:&]P($-3-B`H5VEN9&]W<RD`,C`Q-3HP-3HP,B`P
M-3HR,3HP-P!R<C$S-3DP,P```````Z`!``,````!__\``*`"``0````!```!
M7Z`#``0````!````%@`````````&`0,``P````$`!@```1H`!0````$```$V
M`1L`!0````$```$^`2@``P````$``@```@$`!`````$```%&`@(`!`````$`
M``?'`````````$@````!````2`````'_V/_M``Q!9&]B95]#30`!_^X`#D%D
M;V)E`&2``````?_;`(0`#`@("`D(#`D)#!$+"@L1%0\,#`\5&!,3%1,3&!$,
M#`P,#`P1#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`$-"PL-#@T0#@X0
M%`X.#A04#@X.#A01#`P,#`P1$0P,#`P,#!$,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`P,#`P,_\``$0@`"@"@`P$B``(1`0,1`?_=``0`"O_$`3\```$%`0$!
M`0$!``````````,``0($!08'"`D*"P$``04!`0$!`0$``````````0`"`P0%
M!@<("0H+$``!!`$#`@0"!0<&"`4###,!``(1`P0A$C$%05%A$R)Q@3(&%)&A
ML4(C)!52P6(S-'*"T4,')9)3\.'Q8W,U%J*R@R9$DU1D1<*C=#87TE7B9?*S
MA,/3=>/S1B>4I(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]C='5V=WAY>GM\?7
MY_<1``("`0($!`,$!08'!P8%-0$``A$#(3$2!$%187$B$P4R@9$4H;%"(\%2
MT?`S)&+A<H*20U,58W,T\24&%J*R@P<F-<+21)-4HQ=D154V=&7B\K.$P]-U
MX_-&E*2%M)7$U.3TI;7%U>7U5F9VAI:FML;6YO8G-T=79W>'EZ>WQ__:``P#
M`0`"$0,1`#\`T^M7=2Q<GZQ96-;D"KIF9B7"T9=DTU&O'R\YF/@7V##R6/WV
M_JEUM5-GJ_H_YBFM:OUBZUG8_4FYF)ZYZ?T-];NI,K8378V]I^UMNAS+-W3<
M*['SZ_YRO]+^D_FOT=1W_+V1_P")W^G5<_TK^</]-_\`-E_Y7_\`#JT/^3OK
M!_R+_2'?^%_I_P#>_P#]WO\`N8DISOK;DY-?7.I?9[<EU+>A_:VC'RK:FU6^
MJ^D=08VJP,_14L:^WTV^^FI_Z*[U?3LT\L=:^UX&9TC,^WY=6`VZVLV;,7/:
M#6RW;4'/QL/(N:_UL/+I^@_]#D>IC)^D?\MX/_(W]`9_0_Z5]'_M'_YH_P#N
M-_UM!^KO_*73O^0/Z)9_R7_._P`]D_T+_P`UG_<C_P`V/VA)33R.H#J'3K<[
MI]F6PV=;Q*119??197O^QU9O3KVBS=C-^T79-=M+?T%?\Y3_`()6LBKJ[135
MBQ=ELNR[LKH3\^TN>UOI58[L3J<^I1Z5=F-F5XF5^A_RAZOIX]M.-Z-CZR?S
M%W_(G_*-?_*/\W_1J_Z1_P";G_N-_P":_P!%9P_Y&;_XG?Z;=_-?S?\`-_F_
M^;+_`+G_`/=%)3M5]:HQ/J=3U)M][JA774,G*CUF&RQF$+\Q^UU;W8K[/4R;
MMMGJ^EZOZ19_U>ZCE8&7C])RF76=3L]/&RFWY#G5O937==^W.F^LVS[55GM_
MIWI65V497I5WT^I^FMZ`?^)[_M'_`$/_`-`?YK_XG?\`NLN-Q_\`DJG_`,2O
M]-9]'^C_`)_]%_[M?Z'^1ZR2G8ZOT_T?K#T6@9>::NHY.8[*;]KR&AP]&[)J
MI8RFZNNFFAX9Z+*FL]E?Y_Z13KJS\3ZSWX>)ZN=2SIN-N;E9EH`+K<FA]VTM
MO8Z^RK&JWW>FRS]%_I+[4_UD_P"7NF?\E?29_3_Z9_.?]Y'_``O[_P#UI2J_
M\6N1_P`F?S7^"_Y5_FZOZ1_W2_<_ZPDIR_J_DY&17T;I^;DWMKS+.IV6S?8^
MRVW%R/1QL,Y;G_:/1JQO4MV-=7]H^S?I/T?VBNP7UGNR\+$Z[BX69D&G"/3K
ML=S;[!91;D7>ADX?VKU/7=7;C>E=Z-MGZ#[5[/9Z*)C?^)D?^)_^G-_F/Z)]
M!O\`0_\`S=?Z+^6K&3_XEK/^0OZ6[^D?T'D_T_\`\V7^F_[M))8UOOLQ/K12
M_+R*6XUK13A_:+/M.+^B8_[37F>J^YM&8[]8Q:=WV5GI_P#AC&J/5G=09UGI
M?1.LNL'4*;['49=3GUT9V*VF]WJN94YM/VNBUF-]MPKOYNS]/C?JUZAU[Z=O
M_(7_`"=3_P`I?SO](J_IG_FH_P!%_P!W_36^/YOI/]&^F/YWZ7]&O_Y/_P"[
M/_NA]L20\AB7]3Q;L;)%N3]EKZ]D8-M[LNR]SJ'6VX.+BOP<NSTWU>LZAGK;
M[<K']+[177^DL6GTJY@^K77C9E7.&)E=1K-K\BU]E3:'V?9V#(?8Z^GT:&4N
M9LL_X7_"*I]7_P#E'&_\3_\`2+/Z%_.?S9_F?_-O_P!R_P#NHB]0_P#%B?\`
MD+^>Q?Y[^G?X+^D?]WO_`"I_ZTDII==MS\3(S@'Y@-71L:XN9DW@8][K+\=^
M?9378YSV4LH9=E^G7;ZE=%OJ56^M:MRJW]H_6!^!EY;[:\3I^/D8]=%OHMRC
M<ZYF3G[,=['65U^C172SUOL]/K>I]/T;&+_UJ\W_`)+_`**>?Z?]"K^F_P#F
ML_\`4:R\O_DKHG_B?_P_\U]#Z0_Y"_X/_P`LDE.KT3K%=6.RL#+N;=U*W!8,
MMS'VU.8VRRRI]K;K_7HQK,>ZAEOJON_XW^?5N[ZQMJQJ\AN);=ZF1DXPJJVN
M>78GVGU/39/Z7U_L%WV9C?IV>C_-_F4,G_Q.=-_Y'^GV_H?\WD?\E_\`"?\`
MNK]L3=._Y4I_Y(_I5O\`1OY[C._HO_=G_N;_`.U9)3__V?_M$3I0:&]T;W-H
M;W`@,RXP`#A"24T$!```````4QP!6@`#&R5''`(```*MG!P"4``(<G(Q,S4Y
M,#,<`@4`,DUI8W)O<V]F="!7;W)D("T@17AH:6)I="`U+C$@3&5G86QI='D@
M3W!I;FEO;BYD;V-X`#A"24T$)0``````$*B8QEF3]D;8K:QAQ:T_Z5DX0DE-
M!#H``````.4````0`````0``````"W!R:6YT3W5T<'5T````!0````!0<W13
M8F]O;`$`````26YT965N=6T`````26YT90````!#;')M````#W!R:6YT4VEX
M=&5E;D)I=&)O;VP`````"W!R:6YT97).86UE5$585`````$```````]P<FEN
M=%!R;V]F4V5T=7!/8FIC````#`!0`'(`;P!O`&8`(`!3`&4`=`!U`'``````
M``IP<F]O9E-E='5P`````0````!";'1N96YU;0````QB=6EL=&EN4')O;V8`
M```)<')O;V9#35E+`#A"24T$.P`````"+0```!`````!```````2<')I;G1/
M=71P=71/<'1I;VYS````%P````!#<'1N8F]O;```````0VQB<F)O;VP`````
M`%)G<TUB;V]L``````!#<FY#8F]O;```````0VYT0V)O;VP``````$QB;'-B
M;V]L``````!.9W1V8F]O;```````16UL1&)O;VP``````$EN=')B;V]L````
M``!"8VMG3V)J8P````$```````!21T)#`````P````!29"`@9&]U8D!OX```
M`````````$=R;B!D;W5B0&_@````````````0FP@(&1O=6)`;^``````````
M``!"<F1456YT1B-2;'0```````````````!";&0@56YT1B-2;'0`````````
M``````!2<VQT56YT1B-0>&Q`<L````````````IV96-T;W)$871A8F]O;`$`
M````4&=0<V5N=6T`````4&=0<P````!09U!#`````$QE9G15;G1&(U)L=```
M`````````````%1O<"!5;G1&(U)L=````````````````%-C;"!5;G1&(U!R
M8T!9````````````$&-R;W!7:&5N4')I;G1I;F=B;V]L``````YC<F]P4F5C
M=$)O='1O;6QO;F<`````````#&-R;W!296-T3&5F=&QO;F<`````````#6-R
M;W!296-T4FEG:'1L;VYG``````````MC<F]P4F5C=%1O<&QO;F<``````#A"
M24T#[0``````$`$L`````0`"`2P````!``(X0DE-!"8```````X`````````
M````/X```#A"24T$#0``````!````'@X0DE-!!D```````0````>.$))30/S
M```````)```````````!`#A"24TG$```````"@`!``````````(X0DE-`_4`
M`````$@`+V9F``$`;&9F``8```````$`+V9F``$`H9F:``8```````$`,@``
M``$`6@````8```````$`-0````$`+0````8```````$X0DE-`_@``````'``
M`/____________________________\#Z`````#_____________________
M________`^@`````_____________________________P/H`````/______
M______________________\#Z```.$))300(```````0`````0```D````)`
M`````#A"24T$'@``````!``````X0DE-!!H``````UL````&````````````
M```6```!7P```!,`.0`Q`#4`,0`Y`#<`7P`P`#``,0!?`'``80!R`'0`7P`R
M`"T`,0````$``````````````````````````0`````````````!7P```!8`
M`````````````````````0`````````````````````````0`````0``````
M`&YU;&P````"````!F)O=6YD<T]B:F,````!````````4F-T,0````0`````
M5&]P(&QO;F<``````````$QE9G1L;VYG``````````!"=&]M;&]N9P```!8`
M````4F=H=&QO;F<```%?````!G-L:6-E<U9L3',````!3V)J8P````$`````
M``5S;&EC90```!(````'<VQI8V5)1&QO;F<`````````!V=R;W5P241L;VYG
M``````````9O<FEG:6YE;G5M````#$53;&EC94]R:6=I;@````UA=71O1V5N
M97)A=&5D`````%1Y<&5E;G5M````"D53;&EC951Y<&4`````26UG(`````9B
M;W5N9'-/8FIC`````0```````%)C=#$````$`````%1O<"!L;VYG````````
M``!,969T;&]N9P``````````0G1O;6QO;F<````6`````%)G:'1L;VYG```!
M7P````-U<FQ415A4`````0```````&YU;&Q415A4`````0```````$US9V54
M15A4`````0``````!F%L=%1A9U1%6%0````!```````.8V5L;%1E>'1)<TA4
M34QB;V]L`0````AC96QL5&5X=%1%6%0````!```````):&]R>D%L:6=N96YU
M;0````]%4VQI8V5(;W)Z06QI9VX````'9&5F875L=`````EV97)T06QI9VYE
M;G5M````#T53;&EC959E<G1!;&EG;@````=D969A=6QT````"V)G0V]L;W)4
M>7!E96YU;0```!%%4VQI8V5"1T-O;&]R5'EP90````!.;VYE````"71O<$]U
M='-E=&QO;F<`````````"FQE9G1/=71S971L;VYG``````````QB;W1T;VU/
M=71S971L;VYG``````````MR:6=H=$]U='-E=&QO;F<``````#A"24T$*```
M````#`````(_\````````#A"24T$$0```````0$`.$))3004```````$````
M`CA"24T$#``````'XP````$```"@````"@```>```!+````'QP`8``'_V/_M
M``Q!9&]B95]#30`!_^X`#D%D;V)E`&2``````?_;`(0`#`@("`D(#`D)#!$+
M"@L1%0\,#`\5&!,3%1,3&!$,#`P,#`P1#`P,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`P,#`$-"PL-#@T0#@X0%`X.#A04#@X.#A01#`P,#`P1$0P,#`P,#!$,
M#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,_\``$0@`"@"@`P$B``(1`0,1
M`?_=``0`"O_$`3\```$%`0$!`0$!``````````,``0($!08'"`D*"P$``04!
M`0$!`0$``````````0`"`P0%!@<("0H+$``!!`$#`@0"!0<&"`4###,!``(1
M`P0A$C$%05%A$R)Q@3(&%)&AL4(C)!52P6(S-'*"T4,')9)3\.'Q8W,U%J*R
M@R9$DU1D1<*C=#87TE7B9?*SA,/3=>/S1B>4I(6TE<34Y/2EM<75Y?569G:&
MEJ:VQM;F]C='5V=WAY>GM\?7Y_<1``("`0($!`,$!08'!P8%-0$``A$#(3$2
M!$%187$B$P4R@9$4H;%"(\%2T?`S)&+A<H*20U,58W,T\24&%J*R@P<F-<+2
M1)-4HQ=D154V=&7B\K.$P]-UX_-&E*2%M)7$U.3TI;7%U>7U5F9VAI:FML;6
MYO8G-T=79W>'EZ>WQ__:``P#`0`"$0,1`#\`T^M7=2Q<GZQ96-;D"KIF9B7"
MT9=DTU&O'R\YF/@7V##R6/WV_JEUM5-GJ_H_YBFM:OUBZUG8_4FYF)ZYZ?T-
M];NI,K8378V]I^UMNAS+-W3<*['SZ_YRO]+^D_FOT=1W_+V1_P")W^G5<_TK
M^</]-_\`-E_Y7_\`#JT/^3OK!_R+_2'?^%_I_P#>_P#]WO\`N8DISOK;DY-?
M7.I?9[<EU+>A_:VC'RK:FU6^J^D=08VJP,_14L:^WTV^^FI_Z*[U?3LT\L=:
M^UX&9TC,^WY=6`VZVLV;,7/:#6RW;4'/QL/(N:_UL/+I^@_]#D>IC)^D?\MX
M/_(W]`9_0_Z5]'_M'_YH_P#N-_UM!^KO_*73O^0/Z)9_R7_._P`]D_T+_P`U
MG_<C_P`V/VA)33R.H#J'3K<[I]F6PV=;Q*119??197O^QU9O3KVBS=C-^T79
M-=M+?T%?\Y3_`()6LBKJ[135BQ=ELNR[LKH3\^TN>UOI58[L3J<^I1Z5=F-F
M5XF5^A_RAZOIX]M.-Z-CZR?S%W_(G_*-?_*/\W_1J_Z1_P";G_N-_P":_P!%
M9P_Y&;_XG?Z;=_-?S?\`-_F_^;+_`+G_`/=%)3M5]:HQ/J=3U)M][JA774,G
M*CUF&RQF$+\Q^UU;W8K[/4R;MMGJ^EZOZ19_U>ZCE8&7C])RF76=3L]/&RFW
MY#G5O937==^W.F^LVS[55GM_IWI65V497I5WT^I^FMZ`?^)[_M'_`$/_`-`?
MYK_XG?\`NLN-Q_\`DJG_`,2O]-9]'^C_`)_]%_[M?Z'^1ZR2G8ZOT_T?K#T6
M@9>::NHY.8[*;]KR&AP]&[)JI8RFZNNFFAX9Z+*FL]E?Y_Z13KJS\3ZSWX>)
MZN=2SIN-N;E9EH`+K<FA]VTMO8Z^RK&JWW>FRS]%_I+[4_UD_P"7NF?\E?29
M_3_Z9_.?]Y'_``O[_P#UI2J_\6N1_P`F?S7^"_Y5_FZOZ1_W2_<_ZPDIR_J_
MDY&17T;I^;DWMKS+.IV6S?8^RVW%R/1QL,Y;G_:/1JQO4MV-=7]H^S?I/T?V
MBNP7UGNR\+$Z[BX69D&G"/3KL=S;[!91;D7>ADX?VKU/7=7;C>E=Z-MGZ#[5
M[/9Z*)C?^)D?^)_^G-_F/Z)]!O\`0_\`S=?Z+^6K&3_XEK/^0OZ6[^D?T'D_
MT_\`\V7^F_[M))8UOOLQ/K12_+R*6XUK13A_:+/M.+^B8_[37F>J^YM&8[]8
MQ:=WV5GI_P#AC&J/5G=09UGI?1.LNL'4*;['49=3GUT9V*VF]WJN94YM/VNB
MUF-]MPKOYNS]/C?JUZAU[Z=O_(7_`"=3_P`I?SO](J_IG_FH_P!%_P!W_36^
M/YOI/]&^F/YWZ7]&O_Y/_P"[/_NA]L20\AB7]3Q;L;)%N3]EKZ]D8-M[LNR]
MSJ'6VX.+BOP<NSTWU>LZAGK;[<K']+[177^DL6GTJY@^K77C9E7.&)E=1K-K
M\BU]E3:'V?9V#(?8Z^GT:&4N9LL_X7_"*I]7_P#E'&_\3_\`2+/Z%_.?S9_F
M?_-O_P!R_P#NHB]0_P#%B?\`D+^>Q?Y[^G?X+^D?]WO_`"I_ZTDII==MS\3(
MS@'Y@-71L:XN9DW@8][K+\=^?9378YSV4LH9=E^G7;ZE=%OJ56^M:MRJW]H_
M6!^!EY;[:\3I^/D8]=%OHMRC<ZYF3G[,=['65U^C172SUOL]/K>I]/T;&+_U
MJ\W_`)+_`**>?Z?]"K^F_P#FL_\`4:R\O_DKHG_B?_P_\U]#Z0_Y"_X/_P`L
MDE.KT3K%=6.RL#+N;=U*W!8,MS'VU.8VRRRI]K;K_7HQK,>ZAEOJON_XW^?5
MN[ZQMJQJ\AN);=ZF1DXPJJVN>78GVGU/39/Z7U_L%WV9C?IV>C_-_F4,G_Q.
M=-_Y'^GV_H?\WD?\E_\`"?\`NK]L3=._Y4I_Y(_I5O\`1OY[C._HO_=G_N;_
M`.U9)3__V0`X0DE-!"$``````%4````!`0````\`00!D`&\`8@!E`"``4`!H
M`&\`=`!O`',`:`!O`'`````3`$$`9`!O`&(`90`@`%``:`!O`'0`;P!S`&@`
M;P!P`"``0P!3`#8````!`#A"24T$!@``````!P`(`````0$`_^$1B&AT='`Z
M+R]N<RYA9&]B92YC;VTO>&%P+S$N,"\`/#]X<&%C:V5T(&)E9VEN/2+ON[\B
M(&ED/2)7-4TP37!#96AI2'IR95-Z3E1C>FMC.60B/SX@/'@Z>&UP;65T82!X
M;6QN<SIX/2)A9&]B93IN<SIM971A+R(@>#IX;7!T:STB061O8F4@6$U0($-O
M<F4@-2XS+6,P,3$@-C8N,30U-C8Q+"`R,#$R+S`R+S`V+3$T.C4V.C(W("`@
M("`@("`B/B`\<F1F.E)$1B!X;6QN<SIR9&8](FAT='`Z+R]W=W<N=S,N;W)G
M+S$Y.3DO,#(O,C(M<F1F+7-Y;G1A>"UN<R,B/B`\<F1F.D1E<V-R:7!T:6]N
M(')D9CIA8F]U=#TB(B!X;6QN<SIX;7`](FAT='`Z+R]N<RYA9&]B92YC;VTO
M>&%P+S$N,"\B('AM;&YS.F1C/2)H='1P.B\O<'5R;"YO<F<O9&,O96QE;65N
M=',O,2XQ+R(@>&UL;G,Z<&1F/2)H='1P.B\O;G,N861O8F4N8V]M+W!D9B\Q
M+C,O(B!X;6QN<SIX;7!-33TB:'1T<#HO+VYS+F%D;V)E+F-O;2]X87`O,2XP
M+VUM+R(@>&UL;G,Z<W1%=G0](FAT='`Z+R]N<RYA9&]B92YC;VTO>&%P+S$N
M,"]S5'EP92]297-O=7)C945V96YT(R(@>&UL;G,Z<W12968](FAT='`Z+R]N
M<RYA9&]B92YC;VTO>&%P+S$N,"]S5'EP92]297-O=7)C95)E9B,B('AM;&YS
M.G!D9G@](FAT='`Z+R]N<RYA9&]B92YC;VTO<&1F>"\Q+C,O(B!X;6QN<SIP
M:&]T;W-H;W`](FAT='`Z+R]N<RYA9&]B92YC;VTO<&AO=&]S:&]P+S$N,"\B
M('AM<#I#<F5A=&]R5&]O;#TB5&]O;&MI="!H='1P.B\O=W=W+F%C=&EV97!D
M9BYC;VTB('AM<#I#<F5A=&5$871E/2(R,#$U+3`U+3`Q5#$V.C0Q.C`U+3`U
M.C`P(B!X;7`Z365T861A=&%$871E/2(R,#$U+3`U+3`R5#`U.C(Q.C`W*S`U
M.C,P(B!X;7`Z36]D:69Y1&%T93TB,C`Q-2TP-2TP,E0P-3HR,3HP-RLP-3HS
M,"(@9&,Z9F]R;6%T/2)I;6%G92]J<&5G(B!P9&8Z4')O9'5C97(](E1O;VQK
M:70@:'1T<#HO+W=W=RYA8W1I=F5P9&8N8V]M(B!X;7!-33I$;V-U;65N=$E$
M/2)X;7`N9&ED.C5&-$9$,SDT-4)&,$4T,3$X-D$Q.#@Y.#DR144V1$8U(B!X
M;7!-33I);G-T86YC94E$/2)X;7`N:6ED.D,U-C<V0T5&-4-&,$4T,3$X-D$Q
M.#@Y.#DR144V1$8U(B!X;7!-33I/<FEG:6YA;$1O8W5M96YT240](G5U:60Z
M-#%A83@V-#8M,S=D,"TT9#,R+6$V9C,M-#,V8V,Q8V4S-#0U(B!P9&9X.D%0
M5$M615(](C4N-2XP+C$U,#(X(%!R;R!0<F]D=6-T:6]N+3,R(B!P:&]T;W-H
M;W`Z0V]L;W)-;V1E/2(S(CX@/&1C.G1I=&QE/B`\<F1F.D%L=#X@/')D9CIL
M:2!X;6PZ;&%N9STB>"UD969A=6QT(CY-:6-R;W-O9G0@5V]R9"`M($5X:&EB
M:70@-2XQ($QE9V%L:71Y($]P:6YI;VXN9&]C>#PO<F1F.FQI/B`\+W)D9CI!
M;'0^(#PO9&,Z=&ET;&4^(#QD8SIC<F5A=&]R/B`\<F1F.E-E<3X@/')D9CIL
M:3YR<C$S-3DP,SPO<F1F.FQI/B`\+W)D9CI397$^(#PO9&,Z8W)E871O<CX@
M/'AM<$U-.DAI<W1O<GD^(#QR9&8Z4V5Q/B`\<F1F.FQI('-T179T.F%C=&EO
M;CTB8V]N=F5R=&5D(B!S=$5V=#IP87)A;65T97)S/2)F<F]M(&%P<&QI8V%T
M:6]N+W!D9B!T;R!A<'!L:6-A=&EO;B]V;F0N861O8F4N<&AO=&]S:&]P(B\^
M(#QR9&8Z;&D@<W1%=G0Z86-T:6]N/2)S879E9"(@<W1%=G0Z:6YS=&%N8V5)
M1#TB>&UP+FEI9#HU1C1&1#,Y-#5"1C!%-#$Q.#9!,3@X.3@Y,D5%-D1&-2(@
M<W1%=G0Z=VAE;CTB,C`Q-2TP-2TP,E0P-3HR,3HP-RLP-3HS,"(@<W1%=G0Z
M<V]F='=A<F5!9V5N=#TB061O8F4@4&AO=&]S:&]P($-3-B`H5VEN9&]W<RDB
M('-T179T.F-H86YG960](B\B+SX@/')D9CIL:2!S=$5V=#IA8W1I;VX](F-O
M;G9E<G1E9"(@<W1%=G0Z<&%R86UE=&5R<STB9G)O;2!A<'!L:6-A=&EO;B]P
M9&8@=&\@:6UA9V4O:G!E9R(O/B`\<F1F.FQI('-T179T.F%C=&EO;CTB9&5R
M:79E9"(@<W1%=G0Z<&%R86UE=&5R<STB8V]N=F5R=&5D(&9R;VT@87!P;&EC
M871I;VXO=FYD+F%D;V)E+G!H;W1O<VAO<"!T;R!I;6%G92]J<&5G(B\^(#QR
M9&8Z;&D@<W1%=G0Z86-T:6]N/2)S879E9"(@<W1%=G0Z:6YS=&%N8V5)1#TB
M>&UP+FEI9#I#-38W-D-%1C5#1C!%-#$Q.#9!,3@X.3@Y,D5%-D1&-2(@<W1%
M=G0Z=VAE;CTB,C`Q-2TP-2TP,E0P-3HR,3HP-RLP-3HS,"(@<W1%=G0Z<V]F
M='=A<F5!9V5N=#TB061O8F4@4&AO=&]S:&]P($-3-B`H5VEN9&]W<RDB('-T
M179T.F-H86YG960](B\B+SX@/"]R9&8Z4V5Q/B`\+WAM<$U-.DAI<W1O<GD^
M(#QX;7!-33I$97)I=F5D1G)O;2!S=%)E9CII;G-T86YC94E$/2)X;7`N:6ED
M.C5&-$9$,SDT-4)&,$4T,3$X-D$Q.#@Y.#DR144V1$8U(B!S=%)E9CID;V-U
M;65N=$E$/2)X;7`N9&ED.C5&-$9$,SDT-4)&,$4T,3$X-D$Q.#@Y.#DR144V
M1$8U(B!S=%)E9CIO<FEG:6YA;$1O8W5M96YT240](G5U:60Z-#%A83@V-#8M
M,S=D,"TT9#,R+6$V9C,M-#,V8V,Q8V4S-#0U(B\^(#PO<F1F.D1E<V-R:7!T
M:6]N/B`\+W)D9CI21$8^(#PO>#IX;7!M971A/B`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@(#P_>'!A8VME="!E;F0](G<B/S[_[@`.061O8F4`9$`````!_]L`
MA``!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!
M`@("`@("`@("`@(#`P,#`P,#`P,#`0$!`0$!`0$!`0$"`@$"`@,#`P,#`P,#
M`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P/_P``1
M"``6`5\#`1$``A$!`Q$!_]T`!``L_\0!H@````8"`P$`````````````!P@&
M!00)`PH"`0`+`0``!@,!`0$````````````&!00#!P((`0D`"@L0``(!`P0!
M`P,"`P,#`@8)=0$"`P01!1(&(0<3(@`(,11!,B,5"5%"%F$D,Q=2<8$88I$E
M0Z&Q\"8T<@H9P=$U)^%3-H+QDJ)$5'-%1C='8RA55E<:LL+2XO)D@W23A&6C
ML\/3XRDX9O-U*CDZ2$E*6%E:9VAI:G9W>'EZA8:'B(F*E)66EYB9FJ2EIJ>H
MJ:JTM;:WN+FZQ,7&Q\C)RM35UM?8V=KDY>;GZ.GJ]/7V]_CY^A$``@$#`@0$
M`P4$!`0&!@5M`0(#$00A$@4Q!@`B$T%1!S)A%'$(0H$CD152H6(6,PFQ),'1
M0W+P%^&"-"624QAC1/&BLB8U&50V160G"G.#DT9TPM+B\E5E=58WA(6CL\/3
MX_,I&I2DM,34Y/25I;7%U>7U*$=79CAVAI:FML;6YO9G=X>7I[?'U^?W2%AH
M>(B8J+C(V.CX.4E9:7F)F:FYR=GI^2HZ2EIJ>HJ:JKK*VNKZ_]H`#`,!``(1
M`Q$`/P"S_P#GN_+'^9)\`NU_C)GOC;\SH,/UG\PNYWZJ3K?>OQ^Z;WE/TQEM
M>S:),QM+=<^!I,WN7;<L&9J)VH,J:BICJ@@6I:*0QQ)V9P`U>/2FW178AEJ.
MEO\`S/N\OYHW\G[J?:?S.P?S$P7S7Z%VYOS9^T>]^C>_.C>J>M=RM0;GEDID
MW)UOV=TSA-I3XE*RO0TWVM?25PH99H)!]S&LR"Q++^*N?]7^K'5?TW)HFD<>
M/^K_``=;(G66^J+LWKKK[LG'4E;C,7V'L;:6^,;C<HGCR=!1[NP5!GJ.BKTL
MH2MI:?("*52`1(A]Z)/F<4Z;(`'#->M=;^8C_.>W1\3OYJ?PYZ*Q#5%+\0<'
MN_\`T3_-/?\`)AX)]L4_;??>VZ&LZFV4-U2TD[X[</46VY*+=V1HZ.6.>7%Y
M@>96$8`T2%8#]O\`J^72B.%6AD=AW4Q^7^?K9)SE+5Y/#Y?$4.5R.#J\ABZ[
M'TV>Q0H)<MA)ZVDFIX,UC8\G25^,>NQTDJS0BH@GA:1`'B=-2GVMP2*YZ2]:
MEO7?R$_F@;K_`)T?;'\J;._S&\^G576G54_:&*[9P?QE^.5'VYEZ.MVALK=.
M"VWF:NMV/6;4;*8QMV/%65U/BXXJR.G4K%$\C!-ZFU%=1Z="J$#$9Z,'UM\_
M/G;\,_YO/5O\L7YI]C[2^5_4'RCV3)O#XZ_(K%]9;=ZB[8V_6"FW5/3X7L';
M&R)X]B[@HJ;*;1J\7634U)22D24M<C!7FI$\';4%U<?\O^KAU=8U9':F0*_Z
MO\G4G^>EW3_-.^(^3Z:[F^!WR&R.Y,+W!V73[!F^*5?T+UCV#609+:77^=[`
MK,ML/<BX&#?>5P>=PFQLB^<QD\\]:D<C38^>%D6+WHNU*AO/KUNB,7UC`7JP
M7^5+_-7Z9_FG_'R/L/9$L&S.Y=GTF.P_>W2S9!:O,]<[HK*:40YK"254$=1G
M^O=R/!+/A\GXK2!&IYUCJ8)XEWK8Y!_U>OV=4*`8(_U>GV]`)T_2_/##_P`T
MG=_Q@[&_F![O[.^/6R/C#@?DWMS;J="=#[1[$RV0W[O_`'IU?0;%WQOO"[(C
MBR6W-GU&"_BE//0TM'65[M'#4L$A<U'M39&H\*\.K2*OAHP6A)(_9_J].JX5
M^0O\U##?SL<5_*?;^9#E<CU=E.J:_MVF[?KOBG\<)NTJ?'1;$R&\:;:-:B;4
MIMIU5;'4TO@;))0()*>Q,"R'WZKZ]&OK82,6ZR%:M7JX#KSJ_P#F+]2_-KI2
M/</S9R_RV^+>YMH]J4'>VQMS]-?'KK3<?3NXTVW#E>G-[+E^N<5@=S9?";RS
MF.KL;'3?;`0RQAV:5&<P;!:H[C0]4(6A[0"/]7\O/HL717R;[E_F;_+KYW=7
M[#^:>X_B%LGX4]RY#H#8G2W36V>F\KW1V/E-HTE-_>GY#=HYCN39N_ZFOZ^R
M^ZZBHQ>&PN$QV,I(8J(FNJ9IW6WM3-P;_!_J_P!7#KVD+DJ#^WHUGP3[+^>N
M/^5?S&^+?S;W3LOL[$=0;6Z"WO\`&WNO8'455U?CNU^N.P5[$QNYLSO*GBS&
M;V_#V9B-P[5AI,MCL;)!0TLBB>G@CIJF$#19@2*^7^7IHT)[10=6R2-I6^O1
M8@DD7N!]1;WIG8#CU[K72J_F/WE\K/YS'R;_`)<$/R1WO\,]B?&_HW9N]NJL
M7UAM7K"?M'Y%[YSV+P>XMT[PR.X^WME]@8]]D[(Q>XJ=:7`XK'P-D(!)55%5
MIC*+;4Q)74:C^?2A$41ZV0&I'$D4X_RX=6+?`?=GS4&Y?E;TY\V,W@=_[AZ3
M[<VWB.F^Z=H]9-UAMCN/I+=O7>W]Q[:W748>&MR>'7?M)G7R5#N*GQ]0U#1U
M].$@2.)D!]5N[NX4Z:8"BT''HT/RAWOV!UQ\;^_=^]4;>R^\.TMH].]C9[K#
M:NW\-_>+,;A[&Q^T\I/L;#4&#TN,K49'="TL0A8%'5SJ]-_>M9!:I\OY]4..
MM>CYAY'^=3\'_P"7+O7YI]A?S-=E;K[6ZPZ\V+N_?'2I^#W2..V?'N#=6X-K
MX/-;/QV]Z/*4V9D_NW4;B>*.O>DC2J>F+-#$)`$\6<"H?\J=6C`+4(Q3I]Z#
MH?YVWRC_`)=NP/F;U7_,SV6G<?9G2,O;NRNA)_@UTA'LS,;D@I<C78[K&;?-
M5G9LY1IN22A6@7*&`>">82^/0I!V"Y`.K\J?Y>KD(&*Z,>M>@7_F_?-3^9_\
M)]R?`O<O57REAV%0?._=6U^N]W=)]C_'?IG>M?\`'3?%5ANMQN5MK[LH*&CJ
M]Q4V/RN[JM)*#*2UWBJJ=?'62PL4&BSKI[N/6U5&+`+P^WK9@RG6G:=;TC3=
M94?R)WQA^U:;`XW'M\B*39?5]3NRMW#2,DU3N6JV-6[0J.L47)3*5FH$QB4X
M@;3&4:SC99JZ=7Y]5`7XM./3K7R_D<?-#Y^?,_Y3_.3:/RA^4&(WWL?X4]AU
M73^%V7LOHSK7KFC[0RE;N+?VVTWWN_-XZBR6?QCXN'9D<T&-QM5!"M14MYGE
M1%C.E=V.#U9E50#3CT:KKWYJ?)+^9E\E/D5U%\'.S,#\<OB9\1-[)U/VK\LJ
MK8.`[6[2[P[M@,HW)U_T)M;=]0W7>S=A[)ABD7(;FR]%FZFLJC"M'1QQ,T_O
M99J8;'K_`*O]5.M449*Y\O\`5_JST#?S_P"P_P":A_*EV!4_,SKSY&P_S`/B
MYL#,8:7Y"?'OY`]9=9]?=L;4V/E*^CP\V]^KNXNG=L[)I:F*CR%;&*JGR^(J
MTH$=9],\`F$.M3#.K'V=>`1L4%?MZ%;YO?-#N'L_^58/YH?\OCY.5?3^%VAT
MK6]T1[)WAU!UWV3@>P*.EKZ&CW)L+?5+N2@DS^SMY;3R-'78X5.)KQ3I6Q/Y
M(JF(JR[+-34&QU:-%,P1UJ#]O15_CMV#_.'^2G\JO:/\POK?Y_[5'>F<ZXW]
MV[3_`!_W3\3^EINF\_C]A9W==(W729W"TF,[&Q63S.*VP6CR@KW_`,ME$1@C
MC/D309B*ELY\O3JSI&MQHTT3\_/SXC_#\_EU8?\`RHOGWOG^;!_+N@[R\?\`
MLOG=-3EM]=-[OS>RJ#%[HP^U>RMJTN/_`-_WL/#;VH<WCLAAZJCS5'7P8_+Q
MU0@E>2FF,HCUM[62*ZO]7KTU*@1R!PZHQV3_`#O_`)Q_R_\`^8!V7T;_`#-M
MWT7>_P`,Z;N3<7QUP7RAVAT?M[JR/9N\]KXG;>ZX]YR4>SHY\?N.*BVMN^CE
MW?@3(]?BX6^_QWGIX9H'T9""03U?0I`('6T!\JZ7N7L[X\56]OB1\HX>D]ST
M&ULAV=LWLG$=?===W["W]@(]I56=Q%!E\3N:FJJ6LV=N%##-%7XFLI:L*RM%
M*Z'0V]3'&K/5:+YKT1GXO5_SW^0W\JCK;O&K^;K;:^4_;G7>.^1%)V52?'[I
M[(;`VC15VTI\G2=*0=:SX2.ER6R1,$^YR\M4<_),&EBGBC(IQX,Q'Q9(K_L=
M>(0&FG`_U?ZAU6S_`">?D#_-L_FK_%?N#O?,_P`QC`]);ZVAVKENJ=C[?VQ\
M0>B]T[&7(;=V[A,U59G>46>HHMQ9?'YFNS8ITBH*Z@EIZ>+7=I&LOE9F_$>/
M6V55_#_AZ.9_*9_F$_++YZ87YW_$'Y+MMSI?YA_"WL)^G-Q][=%X7%97:>8K
M,I6[GP^.WIA=F[[HMS[;I-QX7)[1J))*2H6IQU;2U$+B"*S+[W`S.A+5K4\?
M]7\\=:G14<!.%!_@Z+'_`"POEU_,E^1/\U+YC_$#OWYC87>/4/P,S.<IL@NT
M_CKU/U_N'OBJI-Y3;2P$&Z<E24F:FVAB%I8VJZ],089JBH54BEBA++[;C>1F
MD!;"GY>7Y#J\J(B(RKQ'S_SGK87^4NR^[M[=39V+H?Y`93XX]C8*DR>XL)O:
MDZ^V)V;BZR?'XK(20X'=6T-]8NOHZ_;U1+H:8T510UX*`QSI:QN&<\2:])5/
MZJ@CMZJ$Z5[,^?G=G\E[:?S+@^;,VTODY6]/]A_)_);DBZ!Z9S?6M90[7VUN
M"OI>EVV)/MZEFCV4B;>NF6@K(LX]1,T[RM'II1L%B*ZCPKT_1=6G3Z#HK'\L
M7N'^;U_,R_EZY?Y=[7_F%[;ZY[MEWSV7MK8G64GQ-Z,RG4.5GZ^>"#&X/=5?
M54$6]H8MW51"S5]+7P/CA+J6*4(5?2EV%=6>ML$4TTXZ/_\`R-OYH/8W\R[X
M\=FUW>.Q]N[&^0WQR[1FZ@[9BV5'7P['W56?PZ*LP^[\!1Y6HJZ_!U%;)!6T
MM?CVFGC@JJ-I(9#!/$B>#,PP<CK3(JG(P?\`)TD/]G?^3?\`,(^:7R`^(?P(
M[!VK\?\`X_\`PWR>/VK\HOF?DMD8CMK?.Y^W,C]THZ4^/&RMPR_Z/<:,']C5
M+F=R9R'*B*6G*TE&0J25&]1R-7#S_P!7^KS^W6D"E5R?+_5_J_R"OWKUC_-`
M^+O6^Z^Z?C/\NE^9.2Z^VYF=UY?XQ_+#J3K7$2=H8W"XNIKLIBNN^X>AMO\`
M6&<V9OB6"E9\5#D,?F,965.F"585<S+H,?XOY=;TKP*T_/H\'P4[YW'\G_AQ
M\8/D3O"DP^-W7W?TAU_VAN+%[?AK:?!XG+[QV_19K(8C'0Y&6HKHH<14U+4X
M6>0RCQG5ZK^ZU."3QZ;\S3A7HV.M`+EE`XY)`'/T_P!O[W4>O6NNRRCZD#FW
MU_/OU1Z]>ZZ+J+78"YL.?K]?I_MO?L>O7NO_T#X_\*S:&KRE%_*QQ6/R57@\
MEF/EMF,/BMPT,23UFVLIE:78=#0;DHX)F6GFKL!43BKITEO$9X4U@K<>TK?`
MGY]*[7XV_+H0/YT'P-^7NQ/B75_)L_/W?/RIVS\.,WMWY`9CXQ_+;J;I?.=,
M]G'9%5!$<IN7%=7;0ZRDW=E=O"M>LHL9F368ZHD72!%.5E;;`T8:B2.JAE+5
M"``^G5HOQS_FC[8WM_*$VW_-#[GVI1=<8W']([DWWO79.WY*^OQDN\]G9O*;
M)I]J[":>.6OJZ3L'>^+IZ+!T\GDF5\C!3M([*9#O![Z8ZHRY"US_`*O]7SZH
M3[M^&_\`,-[_`/Y3_:?QS[=_E>;HK>[>W>P]V?./?G?W^S9]&S9Z#Y+[LRM1
MN_(;BI.IQ(V[4I<)UZ\>S:?;L4R5J8NEBHXR)560>HVGX/G7IQ&`;27XC3P_
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M96F%1KIY_-L$ZB&^+_5_J'6R:(=/PD9^S_B^/5XO\QAB/D+_`"BUU6;_`(<"
M;24+!"H^-??8*!FTL%*-8`_7Z?GWH<4S^+_-U5.P2CS*]4P?S5?Y9O?/P`^0
M,W\Y+^4K0OA-W;5JLCN7Y7_&C`T%34;5W?M&OJ!E.P=XX;9F)9),ULG<H@-3
MNW!4J&JHI@,]BM%53SQMH_Q)Q\Q_J\NM>(*49:]&[_E<_P`P#I[^9;_,2W7\
MF.FTKL5K_ED=)[2[2V!ET;^)]7]HT_R%[+R^7V<<I'&,;NG$FBKXZK'96B/A
MK*&6)W2"5G@CV"#J(_AZL]?`C;R)/^H]5Z?)GK/>7<7_``JTQ'7^P.[^P/CG
MNO(_%/&Y*C[<ZNQVR\KO;#4>&ZBS-;DL)CZ/L';N[-IM0;E@M!5-48^H<1J/
M'H;UC;"LM`:?\5TX&`M5J*]W5X_P3^&'=?PM^5WS<[#[Q^1FYOD3LKY0TOQ=
MGV%WIW7F]EXSLFJWKM&G[`V76]/U>"VS0;:VYCL3AGS&.?;\6,Q]''62966/
MQR5*-))X`DUKQ''\Q_/IHD4&.!./]7EU6;\J_P"1]\:_YE>]MT_S"?Y?'R/W
MW\5_DEG.QNP:'>&2@HMT4&TLOWAUGNROZ\WM4[BQ&(R6V.T.G]]1[DVK.F2J
M\76FGKM$55)CYR_DDT0#0@TKU8,PJ",#_!_EZ,1_)=^27\Q#;WR*^4W\LK^9
M/DZ3LGMSXT;&Z^[?ZU[R@R&/S-?OGJ??N5R6WZ.#/[CQV.Q"[QCDJZ&.IQ^1
MK:.CS2$55+D5>6!6&Z,00W$9_P!7[>F7(+57AU:3_-#^2&__`(A_R]_EM\D^
MJ:"BK^R^I.F]R;BV(N3HCDL7C]TSBGPV&S^3QA5X\ECML5F47(ST\@\4T5*R
MO9"2-^1;S'6@-1"CK5XWO_+QW)\U/@[\)?YLW\J_MW=65_F'].;(Q>ZNV]R;
MAW)2YCL_Y#]L8*G3_2UB][9;-5;T<'<&U]YPY*AH\-D33X?);7JSAA'3T9QY
MBKIJ`R_%_E_S]*HI?"U1N*KP_P!7R_U'I?;R_G(Y3YS_``=[+EV+WIWO\"OY
MN?QSQ5#U_1?%7:-9B\1CNZN\MV;TP&Q\-B,!UCV5M#-UN_:3<&X*K0^(5*?<
M>TQ-+).)J.$553L,".)!'\^F])!X`C_!CK;NZ7V;N/K_`*FZYV7NW>6Y.PMV
M;9V=@<3NG?&\<C3Y?<^Z]RTU!",[F\SD:*CQ]'/55V4,K`0P0Q(I"HBHH`MH
M)((;/3+')-,=51?\**/^W,WS@6S-Y-D;'C`5=1!?MSK];D<<"_/O3J0ISY].
MP+KDH#Y'H7OY(US_`"E_@3<%3_LO>U18_46FKQ?C^MO?OP)^?59!21AU2)_P
MJWHJK)[H_E(8FARU5M_(97Y4;QQ>/W'0Q13U^VZ_*/U/14.XL=35!-'4Y+!5
M4Z55/'.LD#RQ*'5EN/=&^%/S_P`/3\*:Q*X-*4ZN9C_EX?,<3I(W\Y/YJL%D
M5I%'6'P^4/ZM3!5;H*2!`5-@/&4'^I/T]WTFM/$/^K\^F-:_[['5%G_";/!;
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M\^G8C6YC_P!7ET5C$#^:+TO_`,)Q>HOD!\7OE)BJKH4=>[HINTNAL7TALW%=
MD===';A[(WAMO>F1V)WD^0R^=R,V/K:B6HR-9/B!D*3%UTU13RQM1*37/AX.
M.KN0+LLRX_RTX];2W\F5OAV_\N'XV5OP;VI!LCI#);:FR-1M6KR<F;W?@>S7
MK)*?M/%]CYJ=OXAF.P:'>$=3#65-2(VJ(UB>&-*4P*/'(!\O]7^H=)V4ECT5
M'ISX>]'?.C`?SDOCI\AMLC<_7V\OYCV\*FEJ89%H]R[(W7C?CWT%_`-_[#S#
M+-+MO>.V:J0/25D:E9$\D$R2TTTT,FS3OKPK_GZW4CPR.-.J7OCS\FOD5_($
M[9W?_+!^?V=R6]O@GVGM+LRJ^'_RA..R=1B=A4M9A\L_VT-'CX<A4T>SZROK
MDCW%M>$S3[2R]4E=0H^(K"ZUKIPV1U8C5W+Q\^MDS^6>DD'\GOXEQS(%=/A3
MM-B%<.K)_H\E:.2-QP\<L=F4_E2/>QC3_I3_`)>JL.XY\Q_DZUN/^$U'QE^1
M?<_PA[XW%TS\^^Z_B?C#\C=W[;@V;UWUOT;OS;/]X*+9VV6J][5"]L;%W9E6
MS&5CR4"2P4E31T^BBC)#.=2Z3A740.K.1@::GHT?\E?MWMOX1?S-/E3_`":^
M[=N]:=D;DJ6WG\E8_ESM#;N0P?;7=6?S46WMXMN7O^OK,KF!N;*[@VUO0/`S
M2))AJV&2CC,]-)#(MH:QUC.<G_/UZ:DE)1C`_P`W3=_)RRE#B/\`A0I_/#VY
MD:B&CS.<S>Z,UBL?/(L5574&+[9H)ZV:FA?2\X@I-R4,S:;VBJ4;Z&_NB+I,
MU3QJ>MRG7'$*<`!UMA=O[GPNR>INS]Z;EKH,7MO:/76]MS[@R=5*D--C<'@=
ML93*Y6OJ)G(CC@I*&E>1V)LJJ2>![='`_P"KRZ3`=X->J;?A[MO-;1_X3M;)
MQ.?H:C&Y.3^6GV+N`T57"]/4PT&[>H=Y;KPYFB?U(\N(S,#D?[5^+^]`]O\`
MM3TZ?[3_`&PZUT_Y:%!_-!V%_P`)_P#L3Y#?`3Y.XG:E/L#=_=.=F^/]5\>M
MF[TW=4X#"U-(O8VYNONT<GEFR$6[J?'R2YBBI*G%5,*"D:GA99#&WNJZM#$'
M'5VTZU##-.M@[_A.OD_B;N/^6%LK<GQ!VY)M7=.XLSN>J^22;DW!5;NWYDOE
M0,?1Q;WW-OO<N05*O*0[F7[+)X<B.*D7"5=*(8U.N^U-0*<?\M/]5.JL,FO#
M_)7JO?\`X2;;DI,1LS^8WTANYEQO>>ROESD-T=BX.OG$6YI6RT.1VY7Y&MII
MV6NF2GWIM;*02S$:`[CD,]C4?"WKCJSC*XQGJW?^;+\XOEK_`"[.F,]\I^L^
MD.B^\_CUL"EVM3=EX;<_8^]]@]OX/(;HW,NW(LYB(<=LO<>S<KM2DK,C10RQ
MO/3UR-.SA)$4^]\!4`4_U?RZU0$T8FO\NEU\5^\OD+W_`/RU:3Y#9G:O5?Q8
MWWV'U#F.V.EMM]2LW9V`ZYV))MM-S[!3<E!NO;VU\'DMR5E-$YR./I*9**FC
MG$<4PF#2+OYF@-/V=-F,U(KY_P"'K+_+@[O[\^8/\K[H7Y$=A=D8S"][]]=.
MU^_I][[9V#@H,!L?,Y6?)C%Q8;8E;45>,S&,P"4D:B*NJ))*HZF>1"RZ-D#'
MKG^76M/$5R*?SZX?RI^]N_OF/_+<ZB[Z[C[$PW^FWN/%]G3R;PV?L+#[?P>T
MJK!=A;RV-M^3#;-J:O,8_(0XR/;4=6RULLIJ))620Z`H'AW!?4G_`%?;UYD*
MDYZI$PW\V#^853?%+H+N?`]M=3=X]X=R[W^8/77871.)Z&IZ&KZ<ZZZ2A[MH
M<!\M*.?;&>K*G#[=Z]J.M<5D<Y1;FF;$;@3+-24,]--&NJE<5Q7[!_J_U?;U
M8Q&M-77_T;3?^%!GQMZJ[B[`^*^>^8G\RB?X@=9478PQWQ'Z]V+\0=]]Q[ER
M/>TL>VSD]Q;FWWLVMW15UN5BKEH/X123XW#XR&)F63[N3R2*FIVK4C3_`*OE
MTIMR0S44D_E_EZ'K^8]\8.\\_P##W=5'_,R_FC3;6^$>UJ;;4_R8K?B_\(<S
MMKLGM#;=-GL5%346[,[M?='?^=VEMK(9H4DN0?`[:B@!-I3%2AD-B&SJ8?ZO
M]7GCJNI"3X:$?G_J_EGH/?F]T9\9^WOY>?P*I.@/G5M_X@?RS]K[T^-U1TO7
M[.^,^\>^4[-[0_OWBX?C=3]AUU;7PUFW.NX^Q$II<O3Y_#T25&X7!S%=3.%B
M]^R5%*!>O<&-:E_E^75_NV<!\@Z'I5MN[J[)ZUS_`,@DVWEZ"'L_%]99O!=:
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MMK;:K\#BXZ'=D&0DQE5F,ICU7&RY1:J.HQQF:#7&GDW^K_5]G6Q4`XJOGT-O
M\P?XN=[[O[)_EU1]D_S3:KI_=.P^Y]DXSXYR8WX2TF_LKWA\S:79>]ZC*;O[
M3J-GYB+9VUMGYC9"YB"FPII,%@J*@,OGR$]48)4L0U1W"M<?;_J_EUJHHU%\
MO]7^KUZO9Z_H=^8W9>UL?V?N';>[.PZ+%TT&ZMS;-VS6;,VKGLTD<HJ,C@-J
MY/<>[\A@*.>/D4TN2K?&;@RL.13\0`^+Y</]7KTSGJA+^5_U_P#RN\7_`#-/
MY@/8O\NWOW"[ESFY]E;9PG?_`,=]F;`WK1=9=;;^Q'8NXGSN^.J^RLC@L7U[
MG-K;LS[U,=5BMMU61Q]'DXYY894BD6"+8IDT\L_ZO3_5PZ>:O@QBG;7'I_G_
M`,G\^BD;[^*,.X/YZ-9O_$?S9L'U_P#S/,AU[D*[871N,^!>[-S]8[=Z#&QL
MI!3X"LW#G=UOLO.S#8Q>:KKIMRT^1FKP6BAIV,=.-T;7\0U_['V=7!'TZAD.
MC5QQ_P`7T>'?7QPWULGY2?$+L'^:'_,AW?WQMRF[[VM0_$?H787Q+R?2/Q\J
M_EA5TV5BZPSO;6\>NV[)Q]?NK%R2U#[5I=T9O$4;Y:-&I6EFO#)NC"FHU/E_
MJX?Y>FP4(PM!_J_U>G7/I/H'=U7\H?GAV5_+!^?]1M>BS?R;W+!\M?CKWS\6
MMS]G_';:?RB.!Q%-OROZDWQ][TCDTWC&*>"IW%%@,]G\?)63Q)D#'*M.%]0F
MM"`?]7^KUZV2`!J4D4Q_J_U#HR/P-ZWZ8ZR^4'S+Q.Z/D9G_`),_S&<E'TSG
M?EQO3=_6>5ZC;"]<5V`RHZ$V=TILJ;$0[1QO0F$QT>1\+8#*[B,N;>J;,9*2
MO)CCJU16N3Y_RX?RZ::E<<.K(.Z?]%PZA[//=_\`=D],C8.[O]*XWF(#M(]=
M?P&O_OC_`'E^Y98?X+_`/N/N-1_S=[<^]G%<8ZVG'Y]:>_\`+0^(/465[=[9
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MQGW9WSV)FX(=^X"3`08JOVQNL5>W]JU.>;'15L5)M[(5KLNK[J"`RCW63*\<
M=/6QI+4*2U#3I5_R7.G^P>H/B%U'AMM?,G:_S!^'-1UU12_%W=$GQLW+T+V?
MB-JS9BNEHJ?<=3G]V2S[@VU34IDBHEKMNXS)JH1I)IX]'MNC!1FH_P!7\NJS
M&LAQ0^?5;'\_GXU[([B[S^(^X/EA_,LH?A_U_2;_`&QWPLZ[V=\/.P.YMS5W
M>S2['ES^X]X;WVMD]QTM?7_Q9<4F.I*VBP^+BI687GD\\HJ02%JU%\NG[=J1
M2!8R3Y\/\IZV*^N-L_*7`]&UVV>SNV>I>P?D'#CLY0X'M;!]19_9/7U37-2>
M+:^;W7U<G9>;R$\]-4_NY*GQ^<HH*K],`I01IOW:@//I&/GPZUOOY)OQGPO5
MOR\^8F[?BO\`S.=K_*"OJ^V?!_,%ZDW+\+.R>J\;1]DU&[^P*J.MZSWQFMQX
M"@PN>H-Q-F::F%$=PXIZ%?W$:\$YJHXT8?/CTME;]-`4-*XX?Y^E>O0_P_[$
M_FV]\[X_E._.[-_'#^8EMRAS'^SB]/XGX\]B]W_$OL6.GR>-?<D?;E5+A-I=
M:[;W+7YYX4K)\-O*"N3.*YB@7(BJUV&2=.#_`*J_ZN'3!J%&L57HQ?S\Z2RN
M2Z9Q^^_YSWS?Q&/^#&V-\[+F[*Z*^)_QI[3V9U;V%G6S<']RXOD5V)ALOWWW
M+%U)'N$0_>4\$NV\$:LTQKJS5X![]0CB0?L_U?ZO+KU1Y+GY_P"K_5YXZ,3_
M`#7^M=M=L?RS][[3VQ\FNOOB7\09NL<)5]O=I[?Z1S/>T$7QLI<9BY<)ANI-
MM[!SU%%C,/DJ):./[NAH,LR8HVI8HR1,NB"0:F@Q^SRIU:$Z9U(!+?Y>@]_E
M(=5[0ZC_`):>-V[D?E?UU\N_Y>C=4;_J>M-^YWH#=W1&XJ3J>?+[ZE[:QO95
M'NW<L]1F]I4K/DXHI*G"XNO2FC<S-4(T;CRU`XU&?]GKTQU3,2-)_P`O1+?Y
M%GQLZGV/4?(W?O\`*X_F3;O[F^$&5WQN6HQ_0':_Q1WQ@MN;1[BS&SS'M&DE
M[8[%H.N=S[JQ>R\=4XR7+P[<I:&MRL%/1QU]9#*5DETHP=+=O^KC_EZJQX:E
M->C1_P`L?X_]^=6?);YH[BH_YAFROE-0Y_Y*5<WS8ZWSOP\WCTT^SOD0>M-J
M2&'I/><V^XL+3XI-B3;<2:&&#<^+>FA7_*DK&GD.Z'NJP^?^K_5CY=>)&.T_
M+_5Z?Y>C%_SG=O\`\N_=7P<WKMG^91OS%=8].9W)T>+V5V-'B,YG>S-D=KU<
M,\&U=S]-X/9N"W1O?+[RQ+-+.]-B\?5K-BUJ4K(S1&H]U%*"O"O\_P#-_+K>
M:]H\OY?Y_P"?3WT+UMN9/Y3/0W5_Q7^3&S%6D^+W7NV]F_*/=/2&Y<YA\MUS
M2[5IJ6N[$H.E*W<6R<W1;@RVU%>IH:&MF\=)6,HFII44PM;R`!S3C^W_`%?M
MZT3DDC%>'SZIV_D=_%S=_7?1?<4?\KS^:IUGWST-E^SZN'=4O=GP([1PLNU.
MX(-O8B'*UNW),_V3T[EZVIK,*U#+6Q&"MH!.JA&C;6ITH.:,*?ZO4=68C&M3
M_J^SHW'\LGJ#X0]0?S$_FG09CY;[P^7?\W'.8N/)_)O<_9G4N[^EEVCL#[C;
MHI]N=(;-J]HXGKJ/8/EDQ!>7!YK<$IHXZ*U0M/;7LX)\V\_]7^KY=5.0/)?]
M7^K_``]%B^9_Q\^%W<7\X;"9GX4_/_?OPY_G#X+&XJ'>VV.OOCWV#WSU;OG'
M)LRDJA4=O4M%LM^K<)+)UX::GSTE7N.GI6H_L_OZ:.K$$S>R6P:/_J]/^*_G
MUNM%R*I_J]>CA?)3XZ]_T71&X-T?S>_YC,6[?A1M63`UG>O5GQ5^(>Z.K<+V
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MR[:_E-_S'-WY+XQ5?8N&SGR5^)#?%[>%3L*@W*^0W:V#V9L;OCM#`;7P=+A8
MI_XA_#JG;\.3R8P7AC^ZDI/M*DZ4<2AQ3_5\NML>`8>?2N[)Z&^'O:?\WCLS
M<O\`+-^=NY?BI_-0VWMS)CY4;#V1\?M]=[_&GL7"Q0X.?-+W]2OMO"]18'=-
M3,U!#7SP[OHL@,NL!-.F8!D;8R30T?\`U?ZO3KW!1457'0I_S&OC]N?-_%_(
MY_\`G1_S!XL%\(L!NG9TW9_7GPM^*78^QJ;>N9_BU/'LRG[,WO@\I\ENXH=G
M?WH^WDDAQ%#A*3[OPBHJ_P#,@;H:=Q%/E3K0(J-"FO5J_6-!T-D?Y?VV<7\0
MMP;:VU\<:_XRR4'1&ZIL1O'<&V=O]85&R*BGP>?J,#F)\;OK-T^-PLGW,E+5
M209&=H_'(5E8D5'E0>6/]7[>O>>>-<_Y.B&?RUND^U=L_"WX48[X_?.+879_
MPZZ]ZFK(NILU@/BSOC8NXN_:6MP^YZ+9.1[EJ-Z;UR>:V7UY@,U7FMR&.H</
MA:[(&B@BEKZ=6?S6HVGXL9]?^+ZU5=7PY_+_`(KIN_E?]&]K;6^&WQ)P7QV^
M=NR>U?B%L/([]S.SMW[7^*F^-@]C]YUU7O\`W^8]J=AG=^\<E/LCK/!]IY"J
M.5>AP&/R61Q^/2(5U)#*]3)I0VD:6%/]7\NML14ZES_JX?/K'\"NI>O=H_R?
M>^>M=L_+G9O;O3>7VI\W8,'\E<=T%O38,^S:3=.X>V7[;KMS=29W*U&Y-TT7
H5W9-=FA2QTRTHRV+HH$A\@>.HET/A-*4^7^7SIUX\5XU_+^7SZ__V3\_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>22
<FILENAME>g915197dsp361.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g915197dsp361.jpg
M_]C_X``02D9)1@`!`@$!+`$L``#_X0>117AI9@``34T`*@````@`!P$2``,`
M```!``$```$:``4````!````8@$;``4````!````:@$H``,````!``(```$Q
M``(````;````<@$R``(````4````C8=I``0````!````I````-````$L````
M`0```2P````!061O8F4@4&AO=&]S:&]P($-3(%=I;F1O=W,`,C`Q-3HP-3HP
M,B`Q,CHU.3HP,@```````Z`!``,````!__\``*`"``0````!````I:`#``0`
M```!````"@`````````&`0,``P````$`!@```1H`!0````$```$>`1L`!0``
M``$```$F`2@``P````$``@```@$`!`````$```$N`@(`!`````$```9;````
M`````$@````!````2`````'_V/_@`!!*1DE&``$"`0!(`$@``/_M``Q!9&]B
M95]#30`!_^X`#D%D;V)E`&2``````?_;`(0`#`@("`D(#`D)#!$+"@L1%0\,
M#`\5&!,3%1,3&!$,#`P,#`P1#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,
M#`$-"PL-#@T0#@X0%`X.#A04#@X.#A01#`P,#`P1$0P,#`P,#!$,#`P,#`P,
M#`P,#`P,#`P,#`P,#`P,#`P,#`P,_\``$0@`"@"@`P$B``(1`0,1`?_=``0`
M"O_$`3\```$%`0$!`0$!``````````,``0($!08'"`D*"P$``04!`0$!`0$`
M`````````0`"`P0%!@<("0H+$``!!`$#`@0"!0<&"`4###,!``(1`P0A$C$%
M05%A$R)Q@3(&%)&AL4(C)!52P6(S-'*"T4,')9)3\.'Q8W,U%J*R@R9$DU1D
M1<*C=#87TE7B9?*SA,/3=>/S1B>4I(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F
M]C='5V=WAY>GM\?7Y_<1``("`0($!`,$!08'!P8%-0$``A$#(3$2!$%187$B
M$P4R@9$4H;%"(\%2T?`S)&+A<H*20U,58W,T\24&%J*R@P<F-<+21)-4HQ=D
M154V=&7B\K.$P]-UX_-&E*2%M)7$U.3TI;7%U>7U5F9VAI:FML;6YO8G-T=7
M9W>'EZ>WQ__:``P#`0`"$0,1`#\`T\^_(QLCK>76ZST<#/H<^^NYQLKK(K?=
M35CO=LL:_?M]-:GUCZSE8O4:NH8YM&#TFQC<[;'I.9?'KFS7Z>-6]CU%_P#R
MGD_\D?TMOT_I\_\`:G_NU_H59L_Y*ZS_`,F_SS_YS^C\M_Y2_P"&02Y/UGR'
MLZSU*S'-MM8Z77<#5:\>F76.8,^JNM_O92S])9[/S%H9U/4CEXW4.BY9R<O'
MP66/J+OT.6S=M?N:/H76?X&U$Z?_`,K?]Y?]`;_-_P`]Q_\`$Y1Z!_3L/_D[
M^A?]HOI?2_P/_=3]S_A$E.=FYN/F].HS^G^JSUNKT5.ILL?4X.T9DXMOO]GO
MW;E<S:>I-KI9A5567TOO.5TEV2X;P[1EN/E.]S7L9^E_2?\`05KKG]&_[SOZ
M</Y_^:^?_FQ_>59_]!9_R5_/6?UOE_PO^F_X-)3=MZO1C?5*K.:ZVFJRIE3;
MKB2^HV'T/7R7MW?S#W;GV*I]7^J'&R:>E9+(ZI9M;D--I=6^NMFYG4<(OW-M
M9DM]UG^$]1;F1_R0[^B_S+?Y[^B\?G_]U_W5RM7]$Z;_`,A_T@<_2Y_[S_Y2
M2G0ZG@8]7U@Z-0+;BS-LRSD@W6`617OKWAMFWV?X--B-R,?ZT]0Q,1IOIKPJ
M!LMO>-N[?N/N]7WO5GK7_B@Z?_0>?^U']*_]`?\`T8E1_P"*O._H7\RW^;_I
M?'_:C_@OW4E.-]6\NZ]G0\#*L>,?+9F7./J.=ZMM=NVNGU=V_;35[]FY-UMU
M^-3UK$INL^QXE^"_&(L<'5ON>W[5C,OW-=L<T_0=9[/45K'_`/$_3_R;_2W_
M`,W]#Z7_`&A_[M?Z3_KB/G_^)]W_`"5_2F_SG\SRW^=_[O?OI*:K`[*Z9]8,
M>S(MQ35DMKKQ_5/J8OT`VRN[=_-Y.[UJ_P#!HV-E9;>KX/1.L;CU#'>\X^4T
MN;7E8P8[W^QP_6*O9ZU3U+K'](S?^3?Z+3_.?S_(_P"4/^ZW^@6[=_/=._F/
MSOI_SG\W_P!I/_1O\A)3QW2LC(I/3\DNL]%_5KL1][;G/+VO=9731;CV.<WT
MM_YW^"V+4Z(]G_-KJ3+K'FRK)RJW`V.+V%MCVT5;MWJ-]NSTD/HG].I_Y-_G
MW_S?/_6/^[O[ZG9_XH,G_DS^>;_7X'])_P"[22G*Z[;DXF;U(-=<ST,#$>ZQ
MMSQ]G<YY9;E&MUGZ3;_A/8MZB\9WUAR</)L=?5BXE%N'6UQ:V[U`76Y3'-<U
MKW;V^G])3_\`6@ZG_0/Z+^=_/_1_[T/^Z"HY7]`Z5_0/YD_S7'_H)_W4_P!(
MDIT.A]9Q3AX_H?:+:LK+MQV.O<TN8YN][V[][_4J8ZI];'-5BWZR,9BTY#<6
MVUU[KV,IK+7/G'-@L'TMKMWHN^BY`O\`^3L+^@?SO^!^AP_^@_\`#?O_`-M"
MZ7_3,;^@?SEG\S\+/Z)_*_T__7$D/__9_^T,2E!H;W1O<VAO<"`S+C``.$))
M300E```````0`````````````````````#A"24T#[0``````$`$L`````0`!
M`2P````!``$X0DE-!"8```````X`````````````/X```#A"24T$#0``````
M!````!XX0DE-!!D```````0````>.$))30/S```````)```````````!`#A"
M24T$"@```````0``.$))32<0```````*``$``````````CA"24T#]0``````
M2``O9F8``0!L9F8`!@```````0`O9F8``0"AF9H`!@```````0`R`````0!:
M````!@```````0`U`````0`M````!@```````3A"24T#^```````<```____
M_________________________P/H`````/__________________________
M__\#Z`````#_____________________________`^@`````____________
M_________________P/H```X0DE-!`@``````!`````!```"0````D``````
M.$))300>```````$`````#A"24T$&@`````#5P````8```````````````H`
M``"E````$0!#`$T`,P`U`#D`+0`S`#<`-@!?`%``80!G`&4`7P`P`#,````!
M``````````````````````````$``````````````*4````*````````````
M``````````$`````````````````````````$`````$```````!N=6QL````
M`@````9B;W5N9'-/8FIC`````0```````%)C=#$````$`````%1O<"!L;VYG
M``````````!,969T;&]N9P``````````0G1O;6QO;F<````*`````%)G:'1L
M;VYG````I0````9S;&EC97-6;$QS`````4]B:F,````!```````%<VQI8V4`
M```2````!W-L:6-E241L;VYG``````````=G<F]U<$E$;&]N9P`````````&
M;W)I9VEN96YU;0````Q%4VQI8V5/<FEG:6X````-875T;T=E;F5R871E9```
M``!4>7!E96YU;0````I%4VQI8V54>7!E`````$EM9R`````&8F]U;F1S3V)J
M8P````$```````!28W0Q````!`````!4;W`@;&]N9P``````````3&5F=&QO
M;F<``````````$)T;VUL;VYG````"@````!29VAT;&]N9P```*4````#=7)L
M5$585`````$```````!N=6QL5$585`````$```````!-<V=E5$585`````$`
M``````9A;'1486=415A4`````0``````#F-E;&Q497AT27-(5$U,8F]O;`$`
M```(8V5L;%1E>'1415A4`````0``````"6AO<GI!;&EG;F5N=6T````/15-L
M:6-E2&]R>D%L:6=N````!V1E9F%U;'0````)=F5R=$%L:6=N96YU;0````]%
M4VQI8V5697)T06QI9VX````'9&5F875L=`````MB9T-O;&]R5'EP965N=6T`
M```115-L:6-E0D=#;VQO<E1Y<&4`````3F]N90````ET;W!/=71S971L;VYG
M``````````IL969T3W5T<V5T;&]N9P`````````,8F]T=&]M3W5T<V5T;&]N
M9P`````````+<FEG:'1/=71S971L;VYG```````X0DE-!"@```````P````!
M/_`````````X0DE-!!$```````$!`#A"24T$%```````!`````$X0DE-!`P`
M````!G<````!````H`````H```'@```2P```!EL`&``!_]C_X``02D9)1@`!
M`@$`2`!(``#_[0`,061O8F5?0TT``?_N``Y!9&]B90!D@`````'_VP"$``P(
M"`@)"`P)"0P1"PH+$14/#`P/%1@3$Q43$Q@1#`P,#`P,$0P,#`P,#`P,#`P,
M#`P,#`P,#`P,#`P,#`P,#`P!#0L+#0X-$`X.$!0.#@X4%`X.#@X4$0P,#`P,
M$1$,#`P,#`P1#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#/_``!$(``H`
MH`,!(@`"$0$#$0'_W0`$``K_Q`$_```!!0$!`0$!`0`````````#``$"!`4&
M!P@)"@L!``$%`0$!`0$!``````````$``@,$!08'"`D*"Q```00!`P($`@4'
M!@@%`PPS`0`"$0,$(1(Q!4%181,B<8$R!A21H;%"(R054L%B,S1R@M%#!R62
M4_#A\6-S-1:BLH,F1)-49$7"HW0V%])5XF7RLX3#TW7C\T8GE*2%M)7$U.3T
MI;7%U>7U5F9VAI:FML;6YO8W1U=G=X>7I[?'U^?W$0`"`@$"!`0#!`4&!P<&
M!34!``(1`R$Q$@1!46%Q(A,%,H&1%*&Q0B/!4M'P,R1BX7*"DD-3%6-S-/$E
M!A:BLH,')C7"TD235*,79$55-G1EXO*SA,/3=>/S1I2DA;25Q-3D]*6UQ=7E
M]59F=H:6IK;&UN;V)S='5V=WAY>GM\?_V@`,`P$``A$#$0`_`-//OR,;(ZWE
MUNL]'`SZ'/OKN<;*ZR*WW4U8[W;+&OW[?36I]8^LY6+U&KJ&.;1@])L8W.VQ
MZ3F7QZYLU^GC5O8]1?\`\IY/_)']+;]/Z?/_`&I_[M?Z%6;/^2NL_P#)O\\_
M^<_H_+?^4O\`AD$N3]9\A[.L]2LQS;;6.EUW`U6O'IEUCF#/JKK?[V4L_26>
MS\Q:&=3U(Y>-U#HN6<G+Q\%ECZB[]#ELW;7[FCZ%UG^!M1.G_P#*W_>7_0&_
MS?\`/<?_`!.4>@?T[#_Y._H7_:+Z7TO\#_W4_<_X1)3G9N;CYO3J,_I_JL];
MJ]%3J;+'U.#M&9.+;[_9[]VY7,VGJ3:Z68555E]+[SE=)=DN&\.T9;CY3O<U
M[&?I?TG_`$%:ZY_1O^\[^G#^?_FOG_YL?WE6?_06?\E?SUG];Y?\+_IO^#24
MW;>KT8WU2JSFNMIJLJ94VZXDOJ-A]#U\E[=W\P]VY]BJ?5_JAQLFGI62R.J6
M;6Y#3:75OKK9N9U'"+]S;69+?=9_A/46YD?\D._HO\RW^>_HO'Y__=?]U<K5
M_1.F_P#(?]('/TN?^\_^4DIT.IX&/5]8.C4"VXLS;,LY(-U@%D5[Z]X;9M]G
M^#38C<C'^M/4,3$:;Z:\*@;+;WC;NW[C[O5][U9ZU_XH.G_T'G_M1_2O_0'_
M`-&)4?\`BKSOZ%_,M_F_Z7Q_VH_X+]U)3C?5O+NO9T/`RK'C'RV9ESCZCG>K
M;7;MKI]7=OVTU>_9N3=;=?C4]:Q*;K/L>)?@OQB+'!U;[GM^U8S+]S7;'-/T
M'6>SU%:Q_P#Q/T_\F_TM_P#-_0^E_P!H?^[7^D_ZXCY__B?=_P`E?TIO\Y_,
M\M_G?^[W[Z2FJP.RNF?6#'LR+<4U9+:Z\?U3ZF+]`-LKNW?S>3N]:O\`P:-C
M966WJ^#T3K&X]0QWO./E-+FUY6,&.]_L</UBKV>M4]2ZQ_2,W_DW^BT_SG\_
MR/\`E#_NM_H%NW?SW3OYC\[Z?\Y_-_\`:3_T;_(24\=TK(R*3T_)+K/1?U:[
M$?>VYSR]KW65TT6X]CG-]+?^=_@MBU.B/9_S:ZDRZQYLJR<JMP-CB]A;8]M%
M6[=ZC?;L])#Z)_3J?^3?Y]_\WS_UC_N[^^IV?^*#)_Y,_GF_U^!_2?\`NTDI
MRNNVY.)F]2#77,]#`Q'NL;<\?9W.>66Y1K=9^DV_X3V+>HO&=]8<G#R;'7U8
MN)1;AUM<6MN]0%UN4QS7-:]V]OI_24__`%H.I_T#^B_G?S_T?^]#_N@J.5_0
M.E?T#^9/\UQ_Z"?]U/\`2)*=#H?6<4X>/Z'VBVK*R[<=CKW-+F.;O>]N_>_U
M*F.J?6QS58M^LC&8M.0W%MM=>Z]C*:RUSYQS8+!]+:[=Z+OHN0+_`/D["_H'
M\[_@?H</_H/_``W[_P#;0NE_TS&_H'\Y9_,_"S^B?RO]/_UQ)#__V0`X0DE-
M!"$``````%,````!`0````\`00!D`&\`8@!E`"``4`!H`&\`=`!O`',`:`!O
M`'`````2`$$`9`!O`&(`90`@`%``:`!O`'0`;P!S`&@`;P!P`"``0P!3````
M`0`X0DE-!`8```````<`"`````$!`/_A&`1H='1P.B\O;G,N861O8F4N8V]M
M+WAA<"\Q+C`O`#P_>'!A8VME="!B96=I;CTG[[N_)R!I9#TG5S5-,$UP0V5H
M:4AZ<F53>DY48WIK8SED)S\^"CQX.GAM<&UE=&$@>&UL;G,Z>#TG861O8F4Z
M;G,Z;65T82\G('@Z>&UP=&L])UA-4"!T;V]L:VET(#,N,"TR."P@9G)A;65W
M;W)K(#$N-B<^"CQR9&8Z4D1&('AM;&YS.G)D9CTG:'1T<#HO+W=W=RYW,RYO
M<F<O,3DY.2\P,B\R,BUR9&8M<WEN=&%X+6YS(R<@>&UL;G,Z:5@])VAT='`Z
M+R]N<RYA9&]B92YC;VTO:5@O,2XP+R<^"@H@/')D9CI$97-C<FEP=&EO;B!R
M9&8Z86)O=70])W5U:60Z93=A.3$R-F$M9C`Y8RTQ,64T+6$T83<M.3<U-F8V
M9&)C,S<X)PH@('AM;&YS.F5X:68])VAT='`Z+R]N<RYA9&]B92YC;VTO97AI
M9B\Q+C`O)SX*("`\97AI9CI#;VQO<E-P86-E/C0R.30Y-C<R.34\+V5X:68Z
M0V]L;W)3<&%C93X*("`\97AI9CI0:7AE;%A$:6UE;G-I;VX^,38U/"]E>&EF
M.E!I>&5L6$1I;65N<VEO;CX*("`\97AI9CI0:7AE;%E$:6UE;G-I;VX^,3`\
M+V5X:68Z4&EX96Q91&EM96YS:6]N/@H@/"]R9&8Z1&5S8W)I<'1I;VX^"@H@
M/')D9CI$97-C<FEP=&EO;B!R9&8Z86)O=70])W5U:60Z93=A.3$R-F$M9C`Y
M8RTQ,64T+6$T83<M.3<U-F8V9&)C,S<X)PH@('AM;&YS.G!D9CTG:'1T<#HO
M+VYS+F%D;V)E+F-O;2]P9&8O,2XS+R<^"B`\+W)D9CI$97-C<FEP=&EO;CX*
M"B`\<F1F.D1E<V-R:7!T:6]N(')D9CIA8F]U=#TG=75I9#IE-V$Y,3(V82UF
M,#EC+3$Q930M831A-RTY-S4V9C9D8F,S-S@G"B`@>&UL;G,Z<&AO=&]S:&]P
M/2=H='1P.B\O;G,N861O8F4N8V]M+W!H;W1O<VAO<"\Q+C`O)SX*("`\<&AO
M=&]S:&]P.DAI<W1O<GD^/"]P:&]T;W-H;W`Z2&ES=&]R>3X*(#PO<F1F.D1E
M<V-R:7!T:6]N/@H*(#QR9&8Z1&5S8W)I<'1I;VX@<F1F.F%B;W5T/2=U=6ED
M.F4W83DQ,C9A+68P.6,M,3%E-"UA-&$W+3DW-39F-F1B8S,W."<*("!X;6QN
M<SIT:69F/2=H='1P.B\O;G,N861O8F4N8V]M+W1I9F8O,2XP+R<^"B`@/'1I
M9F8Z3W)I96YT871I;VX^,3PO=&EF9CI/<FEE;G1A=&EO;CX*("`\=&EF9CI8
M4F5S;VQU=&EO;CXS,#`O,3PO=&EF9CI84F5S;VQU=&EO;CX*("`\=&EF9CI9
M4F5S;VQU=&EO;CXS,#`O,3PO=&EF9CI94F5S;VQU=&EO;CX*("`\=&EF9CI2
M97-O;'5T:6]N56YI=#XR/"]T:69F.E)E<V]L=71I;VY5;FET/@H@/"]R9&8Z
M1&5S8W)I<'1I;VX^"@H@/')D9CI$97-C<FEP=&EO;B!R9&8Z86)O=70])W5U
M:60Z93=A.3$R-F$M9C`Y8RTQ,64T+6$T83<M.3<U-F8V9&)C,S<X)PH@('AM
M;&YS.GAA<#TG:'1T<#HO+VYS+F%D;V)E+F-O;2]X87`O,2XP+R<^"B`@/'AA
M<#I#<F5A=&5$871E/C(P,34M,#4M,#)4,3(Z-3DZ,#(K,#4Z,S`\+WAA<#I#
M<F5A=&5$871E/@H@(#QX87`Z36]D:69Y1&%T93XR,#$U+3`U+3`R5#$R.C4Y
M.C`R*S`U.C,P/"]X87`Z36]D:69Y1&%T93X*("`\>&%P.DUE=&%D871A1&%T
M93XR,#$U+3`U+3`R5#$R.C4Y.C`R*S`U.C,P/"]X87`Z365T861A=&%$871E
M/@H@(#QX87`Z0W)E871O<E1O;VP^061O8F4@4&AO=&]S:&]P($-3(%=I;F1O
M=W,\+WAA<#I#<F5A=&]R5&]O;#X*(#PO<F1F.D1E<V-R:7!T:6]N/@H*(#QR
M9&8Z1&5S8W)I<'1I;VX@<F1F.F%B;W5T/2=U=6ED.F4W83DQ,C9A+68P.6,M
M,3%E-"UA-&$W+3DW-39F-F1B8S,W."<*("!X;6QN<SIX87!-33TG:'1T<#HO
M+VYS+F%D;V)E+F-O;2]X87`O,2XP+VUM+R<^"B`@/'AA<$U-.D1O8W5M96YT
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M<'1I;VX^"@H\+W)D9CI21$8^"CPO>#IX;7!M971A/@H@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@"B`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`*("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@(`H@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@"B`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`*("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@(`H@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@"B`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`*("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@(`H@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@"B`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`*("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@(`H@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@"B`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`*("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@(`H@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@"B`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`*("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@(`H@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@"B`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`*("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@(`H@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@"B`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`*("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@(`H@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@"B`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`*("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@(`H@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@"B`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`*("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M(`H@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@"B`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`*("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@(`H@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M"B`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`*("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@(`H@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@"B`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`*
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@(`H@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@"B`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`*/#]X<&%C:V5T(&5N
M9#TG=R<_/O_N``Y!9&]B90!D0`````'_VP"$``$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$"`@("`@("`@("`@,#`P,#`P,#
M`P,!`0$!`0$!`0$!`0("`0("`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#`P,#`P,#`P,#`P,#`__``!$(``H`I0,!$0`"$0$#$0'_W0`$
M`!7_Q`&B````!@(#`0`````````````'"`8%!`D#"@(!``L!```&`P$!`0``
M``````````8%!`,'`@@!"0`*"Q```@$#!`$#`P(#`P,"!@EU`0(#!!$%$@8A
M!Q,B``@Q%$$R(Q4)44(6820S%U)Q@1ABD25#H;'P)C1R"AG!T34GX5,V@O&2
MHD14<T5&-T=C*%565QJRPM+B\F2#=).$9:.SP]/C*3AF\W4J.3I(24I865IG
M:&EJ=G=X>7J%AH>(B8J4E9:7F)F:I*6FIZBIJK2UMK>XN;K$Q<;'R,G*U-76
MU]C9VN3EYN?HZ>KT]?;W^/GZ$0`"`0,"!`0#!00$!`8&!6T!`@,1!"$2!3$&
M`"(305$',F$4<0A"@2.1%5*A8A8S";$DP=%#<O`7X8(T)9)3&&-$\:*R)C49
M5#9%9"<*<X.31G3"TN+R565U5C>$A:.SP]/C\RD:E*2TQ-3D])6EM<75Y?4H
M1U=F.':&EJ:VQM;F]F=WAY>GM\?7Y_=(6&AXB)BHN,C8Z/@Y25EI>8F9J;G)
MV>GY*CI*6FIZBIJJNLK:ZOK_V@`,`P$``A$#$0`_`+!N[,WV!LWLO^91O_:%
M;GC@OC_\D.G=R5^]=N=M[@CWEUYM51M_*[PVSLS967R_V&X8,JM9X'HXX5,F
MMD7D`$NZ,.(%3@]'A_F`_*KMC%[FV-W!T,>P:S8GQ$CZ\[9[E?#TM.VU,[A]
M]4F.JMSX#?:+.)8ZO;^P\B^0T,I:*L'B*BU_>R>%.JJN&#>?02?/SL>FW-\N
MNMM^=48;>';VTM]_R\NZNV*39NR>R=P8$YYJ$4%7M3>6WZ#;N>@^YS6U8:KS
MM3+`[R+$X`)X]^-*X&.O+4**G->EE4[#[2[PZ7_EX;P^/?RJK:_Y'[=ZCW]N
M/`;YK-P2_P!WNT*W;>$P^4?8_9^#$D;U,+5D\F+EGFA>II);L;6-O9-.O54!
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MK/314]9201&34R/?WJOGU<K4:0<='P_FJ[&P8^''>/R2CW+N_`=BXGJ_8D&V
M*G;78&X\7CMFU59NK;BY*FVZFW,WC*.LJ*JDJYDFE>.9FC!-_?CU5.-/F>@%
M^876^*Z4@_E_;AZ@J-RUFX>SODUU.,IALGVCO*EQ&ZX*G89K:VA_B%1GI8AB
M*JK"SU+%'57&FQO[\13JRMJ)Z`OY+]\_(CJ/Y2?/O>]%BI]I[MVA\.>J,S0X
MK;>_,UNW$;4;=>^J3#[FWS0X:IFBIXZO'[<DFE5X*,A"NHD`>]5S7K>D$`$X
MZ.;WYAL7U-D/@7V'\:-V;CRV[NR>V.LMA;VQR;MSFYZ+MOJG?F"?(;SKL]CY
M\ED/#)1T;_?_`'=+#$D))#L@L?=B*4ITVI)J&X=5T?'#?6YMO=P]'1MNC>6P
ML'DOYCGR,V15]XYWLG,Y[:NY\!M/())A/CSEL!D,W6TM!09&FJ+XV6H6&-BM
ME)/O75S0@@YQT:C<V2[F^*?<'RI^1>U\CNWO;X=9?MO<^R_D5TCCLQ6YW=G4
MN$J<1BVH^R.MXH*R>LAQN$J:J23(T*>$Q4[&6-F`]^X5IPZUQT:L/T'.=2CW
M-F?Y4,NP%R6^,?W%B>_*RJVQE^V]Y;1Q^]<#%BL[7[<JLOEILZ\Z5=#"(%IR
M\9O+^1;WZGP];K362>!Z2?2_9>2S-?\`RVZG?^[]^TM9M#YD?)CHGL[)[GWS
M6_P.IGV[B<MD-H=?U.X8LPF,W;M^EFDIJ?&UM5JDJ:B(KQ;WKTZ\<!B.'1V?
MYAU)CDV;\\M[[<RV<I9]F_$^@KHLQA=Z[DHL?M_L";*I48N2CDQ.;I:&#-OB
MH9#(4<-I`'YO[V10D'CUI#4+3A4]$VZ@[_[1ZPQ_S"RNW*O=>S][[)^`_3^^
M.ONE]Q;UK.PJO?68R6TZ#(YCO'94M9ELPI@G6IE,U/$[S4\D8+"U_?AY]>;(
M!Z.=DMU=*]:]1_!O?5'G^W-S;H[IWGU+34'9VR-\C*56\NP\Y!2Y&3`;^VOD
M-R0R5.-R\CSK4>&D,=(J>JQL#K@M?/I#Y5ZL$JOF5M^CK\S05&R\O%)A?D_M
MGXN5DKYG`+'%N;<T.(EI-S,&K1*^!4YF(-&BM4KR60`&VR>-1UNO04R_S&,#
M%W)0]1_Z']\O3UO:^6ZB/8J5V!.PZ;=.+.%E7'U&5^\]%=74&7-3#':S14\I
MOZ?>J_+KU>O_T+Q=P?\`,]N^O^W??_,\=K_\?/\`\73_`(N-)_S.'_LZ/^5+
M_F]X?9=T8G@>C*T'_,M?GY_V29_Q=<K_`,"_^/!_XM])_P!E`_\`-K_4?],E
MO?NM>0X]`M\=?^R@OBA_V0E_S(')_P#'A_\`'\?6K_YE!_W['_E=_P!HM[]U
ML]=?'?\`YG'\=/\`LBG_`)F3WY_S*#_@9_Q?ZK_CQ_\`'_G?_P#-_P!^ZT>!
MX]&#^8O_`!X?RT_[)5_XLNQ_^/\`O^+;]*3_`+*&_P`/^=3_`,V[>]GSZHO!
M>/1<MG?\RV[#_P"R$O\`@/U5_P`#?\Y_P&C_`.+3_P!,?_.I_P";OO73GIQZ
MLS^*7_,BU_YE?_Q>-W_\>1_Q[7^?D_XOO_5Z_P"=C_S9]['33<3QX?EU21G?
M^+;\H/\`MU+_`,7:H_XNO_,H_P#@-)_Q<?\`L[/^._\`TT>]=.C@.CM_(S_M
MVMUQ_P!DH?\`%HVQ_P`S2_[)J_72_P#`3_IC_P"5+_FYH][\NJ#XS]G28^4'
M_,M/Y?W_`&2M_P`?GA/^9D?\6[_@-%_S);_J]?\`*K_S9M[UU;UZ7^8_[+S[
M5_[)D_[)=C_X_?\`X_G_`#4W_,S?^_4?\<O]HO[]UL\//I,?#_\`X^[:G_9)
M_P#Q:-W?\6?_`(N?_`&J_P"9+?\`9D_\K7_3%?WX=:;@>@&VW_V2YVI_V[\_
M[*LH?^+G_P`RE_X^8?\``;_O^_\`QP_Y!][\NM#X_/AT?#XA_J^77_,IO^/L
MK/\`BS_\!_\`CUS_`,S6_P";W_*S_P!6[3[\//KS_AX\>B5][_YOX:_]DI_\
M>CG/\S]/^!>5_P"9$?\`5M_X[_\`-J_O75O7H1>U_P#MWML?_LB;_F;F-_X&
M?\R__P"+PW_'G_\`?Y_^5C_F_J][/`=57^T;[.I>5_[(&^0/_9)O_`S$?\?+
M_P`RZ_5%_P`S?_ZM_P#QS_YMZO>O+K?XAQX=+?9'_,Q_B1_V2=_V3AN__BW_
M`/'_`'_%BC_YEG_WY/\`XY_],?O?IU1OAD_U?ZOGT#?Q2_YFSM[_`+)'_P"/
MPJOT_P#`#_@?7?\`,B?^SI_K_M7NHZ1#I==N?\S3[)_[)K_YGQA_^!G_`!=/
MT83_`-CI_J/^;>CWX\>O'CTJH_\`F2M7_P!DO?\`92^/^G_`#_F6V3_7_P!_
..7_U'_-C5[]Y=:\NO_]D_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>23
<FILENAME>g915197dsp370a.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g915197dsp370a.jpg
M_]C_X0VD17AI9@``34T`*@````@`!P$2``,````!``$```$:``4````!````
M8@$;``4````!````:@$H``,````!``(```$Q``(````>````<@$R``(````4
M````D(=I``0````!````I````-``+<;````G$``MQL```"<0061O8F4@4&AO
M=&]S:&]P($-3-B`H5VEN9&]W<RD`,C`Q-3HP-3HP,B`P-3HR,CHS,````Z`!
M``,````!__\``*`"``0````!```!=J`#``0````!````J``````````&`0,`
M`P````$`!@```1H`!0````$```$>`1L`!0````$```$F`2@``P````$``@``
M`@$`!`````$```$N`@(`!`````$```QN`````````$@````!````2`````'_
MV/_M``Q!9&]B95]#30`!_^X`#D%D;V)E`&2``````?_;`(0`#`@("`D(#`D)
M#!$+"@L1%0\,#`\5&!,3%1,3&!$,#`P,#`P1#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`P,#`P,#`$-"PL-#@T0#@X0%`X.#A04#@X.#A01#`P,#`P1$0P,#`P,
M#!$,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,_\``$0@`2`"@`P$B``(1
M`0,1`?_=``0`"O_$`3\```$%`0$!`0$!``````````,``0($!08'"`D*"P$`
M`04!`0$!`0$``````````0`"`P0%!@<("0H+$``!!`$#`@0"!0<&"`4###,!
M``(1`P0A$C$%05%A$R)Q@3(&%)&AL4(C)!52P6(S-'*"T4,')9)3\.'Q8W,U
M%J*R@R9$DU1D1<*C=#87TE7B9?*SA,/3=>/S1B>4I(6TE<34Y/2EM<75Y?56
M9G:&EJ:VQM;F]C='5V=WAY>GM\?7Y_<1``("`0($!`,$!08'!P8%-0$``A$#
M(3$2!$%187$B$P4R@9$4H;%"(\%2T?`S)&+A<H*20U,58W,T\24&%J*R@P<F
M-<+21)-4HQ=D154V=&7B\K.$P]-UX_-&E*2%M)7$U.3TI;7%U>7U5F9VAI:F
MML;6YO8G-T=79W>'EZ>WQ__:``P#`0`"$0,1`#\`]527-6?72MF_]6!V3_AZ
MNWS72`R`?%$Q(W9<O+Y<-')'AXKX=8R^7^ZNN)S;>E,JRMK.E/ZK]NO]4=0-
M0?Z8=:ZK=ZNVWW-^SUU?\#_(7;*-@>:W"LP\@[2>)CV^*#$'SXV4@!Y'U<<7
M$Q4S[.&M+0/YY[[-WHV_I=OH^I<RQF+_`(.[)^S2:[%:&M)^KMCBW;8XC'#6
MNVVL%E;6OWW-]=^-;;N^S_H,>_TF>KDUU8_5BGKH;7^F!$,W3L#@X-:VS?['
M-=2ZS=9[+/5_X3_1HT=>VO(N_-<&M]A=NF=^[TVLV?Z-G^C3N'Q#/[`_SN/[
M?_07F&V],90ZUU?0+;WV4D4!V,UK*FM;=FM9=[G7W6OWX6-ZGHL_[56>S]$A
MMOQF1ZE7U;L`$'TW4`ES3Z>]K;'M_0W;V9'T_5QO1OI_6O4H75OIZ^:W;+FM
M>?4YVF-7&GT_T?N;L+&^_P!/Z"-77U06A]MFZEA#PQNW>YNVP.ILEFW^<]!S
M=EO_`%'Z4</B$'"`+]R!WV/9Y-F3TPT9;;,?H#,CTG.PG-?C.J]0O?Z;,C<]
MEOZ*EU&_97Z=EE>1^E_F4*JW!=:WUV]"KK+R7^D,1P:P5E[&L?9;N<Y^0_T+
M+'5?S=._T?TWZ/L"WK#R',>VL!SI:^/<USG;/HL?M=70]O\`UZG^7ZJ-BV95
M>/6S(KLMN#1ZCQL@N[_GA*O$+3CH7Q1.M4"\,^VEE18&_5VTAL"P?9VO+Q_(
M<]U+:;7O_P",Q\>F_P#1Y-_H(]]N`_,M90WZNUXAL_0V/-!>*V1_.07-_6?W
MVL_0?Z-Z[?U[/]!9_P!#_P!*)>O9_H+/^A_Z42I;PGP^T/`FZJ&V5L^KI!'\
MU;]F:Z2[>[U/1LNKJ;L_0U>G;D_\)_P9/5P]I?M^K^YGT:_U8AX_5A+_`-(S
MT[O;U"STFO\`1]6S#I^T>E7?D+NO7L_T%G_0_P#2BK9@ZG:6'#/H@LL:X/VZ
M.(VTVGVV[O3=^DV?G_X1*DQ@2:)C'QD='C;7]'/2^IC+_8H<,2S[$<?T/M#K
M"VQM>]M3G[<EOIUV_JO^%RO1I_HWJ7>@K+?5UYVXLM8PDND$@B2V*O1_1[FU
MU._G?5WV6_\`!I>CUP.(]9KH+O3?[0/HAC'9%?I[GMW,]7TZK/IV[/4V(\/B
M%_LC_.8_M_\`0747/TXW60ROU&Y,AX<X>LPGU8JW7N_3?\G[_7_5?_9);%=M
M[:VMMI>^QH`>X%A!<`-SF^ZOZ7_%U_U%+UW_`.@L_P"A_P"E$@2.R<<Y8^(`
M0E?[Q[=O4XE^-UHT6BMN2;#87#],P>_9D#UF?IO;A>J[#=]F_D?T3]\HQ^NB
MS*?27UD6%U0NL#F6`G+;^A#77>BQM5N$YC'LJ_24?S?\Y:M;[19_W'L_Z'_I
M1(7O)`]"P20).R!)B?IH\1[!D/,S(K@Q_P`O\/\`JO\`_]#=NR>I`61Z_P"=
M'ZR?/^6NW;]$?!<'=7?^D_3T_G?FV>?_`'17>-^B/@I,O1T?B(`&+0#YMN+^
MI^\N@YF/]JQ;,?=L]1NW=$Q\I:C*%UU=%+[K3MKJ:7O=J8:T;G'11ASXDB0,
M?F!%>;B5X75Z;#Z'Z,,/IL?#'2Q]H]1^US_S=SLK_P``4J.E]4W.QGY&S'QW
MMLHLV-.]Q)N<[:'^HST[?](M#]K=/FW]+_,$"PPZ`2[T1KM_TBD>IX+7ECK=
MK@\U$$.'O!8'#C_AJ_<G\4NWX-LYL^OZH6>OM^J_WO5_+]:TKZ^OMLV57[FS
M'J;*QILL?.QSO]*RNC_K_J?X-1]/ZQ-`=ZV\[&.V[*A[G';95NW?X!OOW_X1
M6QUKII8]XN]M>TN.UWYY%=?YONW/=M5Y"R-XC[%DLLX`"6&`Z>K'7%6[A#`Z
MN;*X?Z8<]M[G[6'98]MK;7;=_O\`2:UC/W/UC_@D+]E=4Q[LHU?IO5'N>-C?
M5]1P=<T-<_\`0[=[W+HDDN,^"ASF3]V%55</\I/.7?5[(?7:0Z75?S=<#])[
M6NT=ZGZ+](YU7O\`W-ZE5TWJK:S:?YS)N:Z^J&:%CC8S(W[]OTVM=Z+%T*2/
MN'P3]]RD4>$^<?Y?I>MPLKI_5\<U/Q+?M#F.>X`-8S8;#OM=^D?[_4<[^PAX
M_3>J5MIO<TBZES::Z_9[:FS#]^_8_P"F_P#X1="DAQGL$#G,G#7#`]Y</JEX
M2K^\\^>G]7OS&9-A]*T'9ZI#'0TMME_IM?M=_HO^O[_\$ILZ5U*EQM;;O?@L
M]/#&QH]1HK$-^G[/<YU'Z;_C%NI)<9\%'G,FU0`KAX>']%R<GI&=E:VYP,UO
MJ/Z$?0LV&UGML;]+TJ_<IXW2LFJVI]N4+:Z;7WAGIALOL%K7NW[W?G9#W+32
M2XC5?L6'F<O#P6.'700@/FW_`$5))))K"__1V;F4Q9^FN'TOS_C_`-V%W;?H
MCX+@+G8GZ26-F7?GY7GX6+OV_1'P4N7HZ7Q.ZQ?-^E\PK]Q=!S"1B7$5^J0Q
MQ%9!.[3Z.UON=_91D+*!.-:&V>D2QWZ7]W3^<[?0^DHANY\/FCYAQMSMNS]F
MM>QSMAK]-P#FAK75N=O;L:US_P#2_P`Q]#^<]3TWW;WN=9TSU76.!-NQPD`M
M]<[+AZE>RE^ZMG_:K](FQM_VNH'J'J?I8,.L]P`:X.VD^C^D;^K?]Q]_\W^N
M+6Z>YKL.O;:;P`6^H9D[26^_?[][8VOW*0FOY%N99\`NKVZY([_^B.5:;VM8
MQW3Q86-W%M0>P'=LR+GUNC;O996QE=3_`-+9?Z?\TKOV_,^T/8W&+J:FO<][
M9)+F@;*F#V^ZQ:"2;Q>#!+-&0U@#O^E+>6\G)/5.HAA<_"+-@FR28T#W.V>W
MW.]2BRG_`*]BW?S=JUDDD"?"F.<XRKA@(>1)_P"DI)))!8I))))2DDDDE*22
M224I))))3__2V[CE?I(P[C]+_`'S_P"`7<M^B/@N#N9;%G]'_.Y=7Y_]W%WC
M?HCX*3)T=+XE58JK]+;_``%T',V_9;M[#:W8Z:A,OT_F_;^_]%&0LG?]GM]-
MXK?L.VQW#3'TW?U%&-W.C\P\PXN*_'.54&X+J_TL`&RWVF02ST7,]+]%9^L^
MA_,5U_K-7Z9:G2W-=@5%C#6T;@&ESGZ!SF[O4N#;;-_T]]BS\=V3]JK:_/JL
M/J06MM,N,!VE.W;[Z/T?V??LK_I7J>LM+I_JG#K-MS<EY!)O9]%\D[7-_LI\
MMFUS/R_6/Z62?[_[[92223&HI))))2DDDDE*22224I))))2DDDDE*22224__
MT]Z[!ZB?4C[1KNC]5<?'_A5VS?HCX+Y624F2]+=#XAQUCX^']*N'A_J_N/U4
M@YGI_9+O5:7U[';F-F7"/H-V^[W_`$5\MI*,;M&'S1WW&V[]$XCL(Y5364O;
M^D(:UUI)$$.]$TN'TZ;_`-9^S_X*C]:_X%:G1WU/Z;0^IAK8X$ACC)$N=.X_
MUE\Q)*2>W5M\U7!^EO'YN/\`UG[_`.D_522^54E&TGZJ27RJDDI^JDE\JI)*
M?JI)?*J22GZJ27RJDDI^JDE\JI)*?JI)?*J22G__V?_M%;A0:&]T;W-H;W`@
M,RXP`#A"24T$!```````#QP!6@`#&R5''`(```*MG``X0DE-!"4``````!#%
M,L85TH\$8XBDI7+(SZD5.$))300Z``````#E````$`````$```````MP<FEN
M=$]U='!U=`````4`````4'-T4V)O;VP!`````$EN=&5E;G5M`````$EN=&4`
M````0VQR;0````]P<FEN=%-I>'1E96Y":71B;V]L``````MP<FEN=&5R3F%M
M951%6%0````!```````/<')I;G10<F]O9E-E='5P3V)J8P````P`4`!R`&\`
M;P!F`"``4P!E`'0`=0!P```````*<')O;V93971U<`````$`````0FQT;F5N
M=6T````,8G5I;'1I;E!R;V]F````"7!R;V]F0TU92P`X0DE-!#L``````BT`
M```0`````0``````$G!R:6YT3W5T<'5T3W!T:6]N<P```!<`````0W!T;F)O
M;VP``````$-L8G)B;V]L``````!29W--8F]O;```````0W)N0V)O;VP`````
M`$-N=$-B;V]L``````!,8FQS8F]O;```````3F=T=F)O;VP``````$5M;$1B
M;V]L``````!);G1R8F]O;```````0F-K9T]B:F,````!````````4D="0P``
M``,`````4F0@(&1O=6)`;^````````````!'<FX@9&]U8D!OX```````````
M`$)L("!D;W5B0&_@````````````0G)D5%5N=$8C4FQT````````````````
M0FQD(%5N=$8C4FQT````````````````4G-L=%5N=$8C4'AL0'+`````````
M```*=F5C=&]R1&%T86)O;VP!`````%!G4'-E;G5M`````%!G4',`````4&=0
M0P````!,969T56YT1B-2;'0```````````````!4;W`@56YT1B-2;'0`````
M``````````!38VP@56YT1B-0<F-`60```````````!!C<F]P5VAE;E!R:6YT
M:6YG8F]O;``````.8W)O<%)E8W1";W1T;VUL;VYG``````````QC<F]P4F5C
M=$QE9G1L;VYG``````````UC<F]P4F5C=%)I9VAT;&]N9P`````````+8W)O
M<%)E8W14;W!L;VYG```````X0DE-`^T``````!`!+`````$``@$L`````0`"
M.$))300F```````.`````````````#^````X0DE-!`T```````0```!X.$))
M3009```````$````'CA"24T#\P``````"0```````````0`X0DE-)Q``````
M``H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&```````!`"]F
M9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4````!`"T````&
M```````!.$))30/X``````!P``#_____________________________`^@`
M````_____________________________P/H`````/__________________
M__________\#Z`````#_____________________________`^@``#A"24T$
M"```````$`````$```)````"0``````X0DE-!!X```````0`````.$))300:
M``````-W````!@``````````````J````78````A`$4`>`!H`&D`8@!I`'0`
M(``Y`#D`+@`Q`"``2`!O`'(`:0!Z`&\`;@`@`%``<@!O`'@`>0`@`$,`80!R
M`&0`+0`Q`````0`````````````````````````!``````````````%V````
MJ``````````````````````!`````````````````````````!`````!````
M````;G5L;`````(````&8F]U;F1S3V)J8P````$```````!28W0Q````!```
M``!4;W`@;&]N9P``````````3&5F=&QO;F<``````````$)T;VUL;VYG````
MJ`````!29VAT;&]N9P```78````&<VQI8V5S5FQ,<P````%/8FIC`````0``
M````!7-L:6-E````$@````=S;&EC94E$;&]N9P`````````'9W)O=7!)1&QO
M;F<`````````!F]R:6=I;F5N=6T````,15-L:6-E3W)I9VEN````#6%U=&]'
M96YE<F%T960`````5'EP965N=6T````*15-L:6-E5'EP90````!);6<@````
M!F)O=6YD<T]B:F,````!````````4F-T,0````0`````5&]P(&QO;F<`````
M`````$QE9G1L;VYG``````````!"=&]M;&]N9P```*@`````4F=H=&QO;F<`
M``%V`````W5R;%1%6%0````!````````;G5L;%1%6%0````!````````37-G
M951%6%0````!```````&86QT5&%G5$585`````$```````YC96QL5&5X=$ES
M2%1-3&)O;VP!````"&-E;&Q497AT5$585`````$```````EH;W)Z06QI9VYE
M;G5M````#T53;&EC94AO<GI!;&EG;@````=D969A=6QT````"79E<G1!;&EG
M;F5N=6T````/15-L:6-E5F5R=$%L:6=N````!V1E9F%U;'0````+8F=#;VQO
M<E1Y<&5E;G5M````$453;&EC94)'0V]L;W)4>7!E`````$YO;F4````)=&]P
M3W5T<V5T;&]N9P`````````*;&5F=$]U='-E=&QO;F<`````````#&)O='1O
M;4]U='-E=&QO;F<`````````"W)I9VAT3W5T<V5T;&]N9P``````.$))300H
M```````,`````C_P````````.$))3001```````!`0`X0DE-!!0```````0`
M```".$))300,``````R*`````0```*````!(```!X```AP````QN`!@``?_8
M_^T`#$%D;V)E7T--``'_[@`.061O8F4`9(`````!_]L`A``,"`@("0@,"0D,
M$0L*"Q$5#PP,#Q48$Q,5$Q,8$0P,#`P,#!$,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`P,#`P,`0T+"PT.#1`.#A`4#@X.%!0.#@X.%!$,#`P,#!$1#`P,#`P,
M$0P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`S_P``1"`!(`*`#`2(``A$!
M`Q$!_]T`!``*_\0!/P```04!`0$!`0$``````````P`!`@0%!@<("0H+`0`!
M!0$!`0$!`0`````````!``(#!`4&!P@)"@L0``$$`0,"!`(%!P8(!0,,,P$`
M`A$#!"$2,05!46$3(G&!,@84D:&Q0B,D%5+!8C,T<H+10P<EDE/PX?%C<S46
MHK*#)D235&1%PJ-T-A?25>)E\K.$P]-UX_-&)Y2DA;25Q-3D]*6UQ=7E]59F
M=H:6IK;&UN;V-T=79W>'EZ>WQ]?G]Q$``@(!`@0$`P0%!@<'!@4U`0`"$0,A
M,1($05%A<2(3!3*!D12AL4(CP5+1\#,D8N%R@I)#4Q5C<S3Q)086HK*#!R8U
MPM)$DU2C%V1%539T9>+RLX3#TW7C\T:4I(6TE<34Y/2EM<75Y?569G:&EJ:V
MQM;F]B<W1U=G=X>7I[?'_]H`#`,!``(1`Q$`/P#U5)<U9]=*V;_U8'9/^'J[
M?-=(#(!\43$C=ER\OEPT<D>'BOAUC+Y?[JZXG-MZ4RK*VLZ4_JOVZ_U1U`U!
M_IAUKJMWJ[;?<W[/75_P/\A=LHV!YK<*S#R#M)XF/;XH,0?/C92`'D?5QQ<3
M%3/LX:TM`_GGOLW>C;^EV^CZES+&8O\`@[LG[-)KL5H:TGZNV.+=MCB,<-:[
M;:P65M:_?<WUWXUMN[[/^@Q[_29ZN375C]6*>NAM?Z8$0S=.P.#@UK;-_L<U
MU+K-UGLL]7_A/]&C1U[:\B[\UP:WV%VZ9W[O3:S9_HV?Z-.X?$,_L#_.X_M_
M]!>8;;TQE#K75]`MO?9210'8S6LJ:UMV:UEWN=?=:_?A8WJ>BS_M59[/T2&V
M_&9'J5?5NP`0?3=0"7-/I[VML>W]#=O9D?3]7&]&^G]:]2A=6^GKYK=LN:UY
M]3G:8U<:?3_1^YNPL;[_`$_H(U=?5!:'VV;J6$/#&[=[F[;`ZFR6;?YST'-V
M6_\`4?I1P^(0<(`OW('?8]GDV9/3#1EMLQ^@,R/2<["<U^,ZKU"]_ILR-SV6
M_HJ74;]E?IV65Y'Z7^90JK<%UK?7;T*NLO)?Z0Q'!K!67L:Q]ENYSGY#_0LL
M=5_-T[_1_3?H^P+>L/(<Q[:P'.EKX]S7.=L^BQ^UU=#V_P#7J?Y?JHV+9E5X
M];,BNRVX-'J/&R"[O^>$J\0M..A?%$ZU0+PS[:65%@;]7;2&P+!]G:\O'\AS
MW4MIM>__`(S'QZ;_`-'DW^@CWVX#\RUE#?J[7B&S]#8\T%XK9'\Y!<W]9_?:
MS]!_HWKM_7L_T%G_`$/_`$HEZ]G^@L_Z'_I1*EO"?#[0\";JH;96SZND$?S5
MOV9KI+M[O4]&RZNINS]#5Z=N3_PG_!D]7#VE^WZO[F?1K_5B'C]6$O\`TC/3
MN]O4+/2:_P!'U;,.G[1Z5=^0NZ]>S_06?]#_`-**MF#J=I8<,^B"RQK@_;HX
MC;3:?;;N]-WZ39^?_A$J3&!)HF,?&1T>-M?T<]+ZF,O]BAPQ+/L1Q_0^T.L+
M;&U[VU.?MR6^G7;^J_X7*]&G^C>I=Z"LM]77G;BRUC"2Z02")+8J]']'N;74
M[^=]7?9;_P`&EZ/7`XCUFN@N]-_M`^B&,=D5^GN>W<SU?3JL^G;L]38CP^(7
M^R/\YC^W_P!!=1<_3C=9#*_4;DR'ASAZS"?5BK=>[]-_R?O]?]5_]DEL5VWM
MK:VVE[[&@![@6$%P`W.;[J_I?\77_44O7?\`Z"S_`*'_`*42!([)QSECX@!"
M5_O'MV]3B7XW6C1:*VY)L-A</TS![]F0/69^F]N%ZKL-WV;^1_1/WRC'ZZ+,
MI])?61875"ZP.98"<MOZ$-==Z+&U6X3F,>RK])1_-_SEJUOM%G_<>S_H?^E$
MA>\D#T+!)`D[($F)^FCQ'L&0\S,BN#'_`"_P_P"J_P#_T-V[)ZD!9'K_`)T?
MK)\_Y:[=OT1\%P=U=_Z3]/3^=^;9Y_\`=%=XWZ(^"DR]'1^(@`8M`/FVXOZG
M[RZ#F8_VK%LQ]VSU&[=T3'REJ,H775T4ONM.VNII>]VIAK1N<=%&'/B2)`Q^
M8$5YN)7A=7IL/H?HPP^FQ\,=+'VCU'[7/_-W.RO_``!2HZ7U3<[&?D;,?'>V
MRBS8T[W$FYSMH?ZC/3M_TBT/VMT^;?TO\P0+##H!+O1&NW_2*1ZG@M>6.MVN
M#S400X>\%@<./^&K]R?Q2[?@VSFSZ_JA9Z^WZK_>]7\OUK2OKZ^VS95?N;,>
MILK&FRQ\['._TK*Z/^O^I_@U'T_K$T!WK;SL8[;LJ'N<=ME6[=_@&^_?_A%;
M'6NFECWB[VU[2X[7?GD5U_F^[<]VU7D+(WB/L62RS@`)88#IZL=<5;N$,#JY
MLKA_IASVWN?M8=ECVVMM=MW^_P!)K6,_<_6/^"0OV5U3'NRC5^F]4>YXV-]7
MU'!US0US_P!#MWO<NB22XSX*'.9/W8555P_RD\Y=]7LA]=I#I=5_-UP/TGM:
M[1WJ?HOTCG5>_P#<WJ573>JMK-I_G,FYKKZH9H6.-C,C?OV_3:UWHL70I(^X
M?!/WW*11X3YQ_E^EZW"RNG]7QS4_$M^T.8Y[@`UC-AL.^UWZ1_O]1SO["'C]
M-ZI6VF]S2+J7-IKK]GMJ;,/W[]C_`*;_`/A%T*2'&>P0.<R<-<,#WEP^J7A*
MO[SSYZ?U>_,9DV'TK0=GJD,=#2VV7^FU^UW^B_Z_O_P2FSI74J7&UMN]^"ST
M\,;&CU&BL0WZ?L]SG4?IO^,6ZDEQGP4><R;5`"N'AX?T7)R>D9V5K;G`S6^H
M_H1]"S8;6>VQOTO2K]RGC=*R:K:GVY0MKIM?>&>F&R^P6M>[?O=^=D/<M-)+
MB-5^Q8>9R\/!8X==!"`^;?\`14DDDFL+_]'9N93%GZ:X?2_/^/\`W87=M^B/
M@N`N=B?I)8V9=^?E>?A8N_;]$?!2Y>CI?$[K%\WZ7S"OW%T',)&)<17ZI#'$
M5D$[M/H[6^YW]E&0LH$XUH;9Z1+'?I?W=/YSM]#Z2B&[GP^:/F'&W.V[/V:U
M['.V&OTW`.:&M=6YV]NQK7/_`-+_`#'T/YSU/3?=O>YUG3/5=8X$V['"0"WU
MSLN'J5[*7[JV?]JOTB;&W_:Z@>H>I^E@PZSW`!K@[:3Z/Z1OZM_W'W_S?ZXM
M;I[FNPZ]MIO`!;ZAF3M);[]_OWMC:_<I":_D6YEGP"ZO;KDCO_Z(Y5IO:UC'
M=/%A8W<6U![`=VS(N?6Z-N]EE;&5U/\`TME_I_S2N_;\S[0]C<8NIJ:]SWMD
MDN:!LJ8/;[K%H))O%X,$LT9#6`._Z4MY;R<D]4ZB&%S\(LV";))C0/<[9[?<
M[U*+*?\`KV+=_-VK6220)\*8YSC*N&`AY$G_`*2DDDD%BDDDDE*22224I)))
M)2DDDDE/_]+;N.5^DC#N/TO\`?/_`(!=RWZ(^"X.YEL6?T?\[EU?G_W<7>-^
MB/@I,G1TOB55BJOTMO\``70<S;]ENWL-K=CIJ$R_3^;]O[_T49"R=_V>WTWB
MM^P[;'<-,?3=_448W<Z/S#S#BXK\<Y50;@NK_2P`;+?:9!+/1<STOT5GZSZ'
M\Q77^LU?IEJ=+<UV!46,-;1N`:7.?H'.;N]2X-MLW_3WV+/QW9/VJMK\^JP^
MI!:VTRXP':4[=OOH_1_9]^RO^E>IZRTNG^J<.LVW-R7D$F]GT7R3M<W^RGRV
M;7,_+]8_I9)_O_OME))),:BDDDDE*22224I))))2DDDDE*22224I))))3__3
MWKL'J)]2/M&NZ/U5Q\?^%7;-^B/@OE9)29+TMT/B''6/CX?TJX>'^K^X_52#
MF>G]DN]5I?7L=N8V9<(^@W;[O?\`17RVDHQNT8?-'?<;;OT3B.PCE5-92]OZ
M0AK76DD00[T32X?3IO\`UG[/_@J/UK_@5J='?4_IM#ZF&MC@2&.,D2YT[C_6
M7S$DI)[=6WS5<'Z6\?FX_P#6?O\`Z3]5)+Y524;2?JI)?*J22GZJ27RJDDI^
MJDE\JI)*?JI)?*J22GZJ27RJDDI^JDE\JI)*?__9.$))300A``````!5````
M`0$````/`$$`9`!O`&(`90`@`%``:`!O`'0`;P!S`&@`;P!P````$P!!`&0`
M;P!B`&4`(`!0`&@`;P!T`&\`<P!H`&\`<``@`$,`4P`V`````0`X0DE-!`8`
M``````<`"`````$!`/_A#XAH='1P.B\O;G,N861O8F4N8V]M+WAA<"\Q+C`O
M`#P_>'!A8VME="!B96=I;CTB[[N_(B!I9#TB5S5-,$UP0V5H:4AZ<F53>DY4
M8WIK8SED(C\^(#QX.GAM<&UE=&$@>&UL;G,Z>#TB861O8F4Z;G,Z;65T82\B
M('@Z>&UP=&L](D%D;V)E(%A-4"!#;W)E(#4N,RUC,#$Q(#8V+C$T-38V,2P@
M,C`Q,B\P,B\P-BTQ-#HU-CHR-R`@("`@("`@(CX@/')D9CI21$8@>&UL;G,Z
M<F1F/2)H='1P.B\O=W=W+G<S+F]R9R\Q.3DY+S`R+S(R+7)D9BUS>6YT87@M
M;G,C(CX@/')D9CI$97-C<FEP=&EO;B!R9&8Z86)O=70](B(@>&UL;G,Z>&UP
M/2)H='1P.B\O;G,N861O8F4N8V]M+WAA<"\Q+C`O(B!X;6QN<SIP9&8](FAT
M='`Z+R]N<RYA9&]B92YC;VTO<&1F+S$N,R\B('AM;&YS.F1C/2)H='1P.B\O
M<'5R;"YO<F<O9&,O96QE;65N=',O,2XQ+R(@>&UL;G,Z>&UP34T](FAT='`Z
M+R]N<RYA9&]B92YC;VTO>&%P+S$N,"]M;2\B('AM;&YS.G-T179T/2)H='1P
M.B\O;G,N861O8F4N8V]M+WAA<"\Q+C`O<U1Y<&4O4F5S;W5R8V5%=F5N=",B
M('AM;&YS.G-T4F5F/2)H='1P.B\O;G,N861O8F4N8V]M+WAA<"\Q+C`O<U1Y
M<&4O4F5S;W5R8V52968C(B!X;6QN<SIP:&]T;W-H;W`](FAT='`Z+R]N<RYA
M9&]B92YC;VTO<&AO=&]S:&]P+S$N,"\B('AM<#I#<F5A=&5$871E/2(R,#$U
M+3`T+3,P5#`Y.C$P.C4U+3`U.C`P(B!X;7`Z0W)E871O<E1O;VP](E!38W)I
M<'0U+F1L;"!697)S:6]N(#4N,BXR(B!X;7`Z36]D:69Y1&%T93TB,C`Q-2TP
M-2TP,E0P-3HR,CHS,"LP-3HS,"(@>&UP.DUE=&%D871A1&%T93TB,C`Q-2TP
M-2TP,E0P-3HR,CHS,"LP-3HS,"(@<&1F.E!R;V1U8V5R/2)!8W)O8F%T($1I
M<W1I;&QE<B`Q,"XQ+C$S("A7:6YD;W=S*2(@9&,Z9F]R;6%T/2)I;6%G92]J
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M<F5A=&]R/B`\<F1F.E-E<2\^(#PO9&,Z8W)E871O<CX@/&1C.G1I=&QE/B`\
M<F1F.D%L="\^(#PO9&,Z=&ET;&4^(#QX;7!-33I(:7-T;W)Y/B`\<F1F.E-E
M<3X@/')D9CIL:2!S=$5V=#IA8W1I;VX](F-O;G9E<G1E9"(@<W1%=G0Z<&%R
M86UE=&5R<STB9G)O;2!A<'!L:6-A=&EO;B]P9&8@=&\@87!P;&EC871I;VXO
M=FYD+F%D;V)E+G!H;W1O<VAO<"(O/B`\<F1F.FQI('-T179T.F%C=&EO;CTB
M9&5R:79E9"(@<W1%=G0Z<&%R86UE=&5R<STB8V]N=F5R=&5D(&9R;VT@87!P
M;&EC871I;VXO=FYD+F%D;V)E+G!H;W1O<VAO<"!T;R!I;6%G92]J<&5G(B\^
M(#QR9&8Z;&D@<W1%=G0Z86-T:6]N/2)S879E9"(@<W1%=G0Z:6YS=&%N8V5)
M1#TB>&UP+FEI9#I#-C8W-D-%1C5#1C!%-#$Q.#9!,3@X.3@Y,D5%-D1&-2(@
M<W1%=G0Z=VAE;CTB,C`Q-2TP-2TP,E0P-3HR,CHS,"LP-3HS,"(@<W1%=G0Z
M<V]F='=A<F5!9V5N=#TB061O8F4@4&AO=&]S:&]P($-3-B`H5VEN9&]W<RDB
M('-T179T.F-H86YG960](B\B+SX@/"]R9&8Z4V5Q/B`\+WAM<$U-.DAI<W1O
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M8W)I<'1I;VX^(#PO<F1F.E)$1CX@/"]X.GAM<&UE=&$^("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@/#]X<&%C:V5T(&5N9#TB=R(_/O_N``Y!9&]B90!D0```
M``'_VP"$``$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$"`@("`@("`@("`@,#`P,#`P,#`P,!`0$!`0$!`0$!`0("`0("`P,#
M`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`__``!$(`*@!=@,!$0`"$0$#$0'_W0`$`"__Q`&B````!@(#`0``````````
M```'"`8%!`D#"@(!``L!```&`P$!`0````````````8%!`,'`@@!"0`*"Q``
M`@$#!`$#`P(#`P,"!@EU`0(#!!$%$@8A!Q,B``@Q%$$R(Q4)44(6820S%U)Q
M@1ABD25#H;'P)C1R"AG!T34GX5,V@O&2HD14<T5&-T=C*%565QJRPM+B\F2#
M=).$9:.SP]/C*3AF\W4J.3I(24I865IG:&EJ=G=X>7J%AH>(B8J4E9:7F)F:
MI*6FIZBIJK2UMK>XN;K$Q<;'R,G*U-76U]C9VN3EYN?HZ>KT]?;W^/GZ$0`"
M`0,"!`0#!00$!`8&!6T!`@,1!"$2!3$&`"(305$',F$4<0A"@2.1%5*A8A8S
M";$DP=%#<O`7X8(T)9)3&&-$\:*R)C495#9%9"<*<X.31G3"TN+R565U5C>$
MA:.SP]/C\RD:E*2TQ-3D])6EM<75Y?4H1U=F.':&EJ:VQM;F]F=WAY>GM\?7
MY_=(6&AXB)BHN,C8Z/@Y25EI>8F9J;G)V>GY*CI*6FIZBIJJNLK:ZOK_V@`,
M`P$``A$#$0`_`-_CW[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW5&'S4^
M.74ORW_FP?$_I+O[#[EWEU72?!+Y8=D1;,Q79?9W7F,??&![O^+^W</N.KDZ
MSWCLZNR%=CL+NBO@B$\TD:K4L=.H*RZZ<4E58CC7IW[*_E-_R<>GI>O8.S>L
MLMLV7M?L/'=4==IEOE#\O5.Z^Q,MM[<V[*':V-^W[MG'W\NV=FY6N9I/'#%2
MT$TCNJH3[WU[Q']?\'1;MO?%G_A.UNK"?'W<F`RN(R&$^5.'[=W%\?Z]?E-\
MRJ=.RMO="8C.9WN7/XJ*K[@@J,=A.N<5MJNER=77I24\'VY7679%;W7M<GK_
M`(.DMLCH_P#X3:]A]5=F]V;7W+BY.M.G,-L;<78NX<Y\EOF[M"?`8'M"I-!U
M=F8=O;O[4P6Y\[C.S\H/LMM3XZBJX]P5Y%+CS45!$9]UO7("!7)^SKNNZ)_X
M3@T'4VQ.[9,C/5=?]E;\W1U;LZ;$]\_/7.;OK^R]CT-;E-Z]?Y#K+#=C5_9N
MW-Y;/QF/EJ<IC<GAZ.LQ]/HDJ(XTDC9_=>U25I7/Y=,.Y.L?^$T>U:WK&@R6
MX7K*CNG:FWM[=2';/>GS^WI2]C;=W-4Y"CH:G9]=L[L#.T.=KL?4XFI3*T-/
M(]?@S`_\1AI0I/OW7M4O^JG0YY+X/_R!\1MOY,[OR$%%!MGX;[@DVK\G,ROR
MI^8511]/;BAQM!E9L/N=Z;N:9GK8:7)1(Z4@J=%4)*8VJ(98D]UK6^,_X.D'
MW;\:_P#A.G\=*C+T_<E=%L_^[T6PZC<=4/D;\X=Q8S;=+VCM_+[IZYJ]R9C:
MO:6<Q6WZ+>V!P5348V:LF@BJPJ)&QDEA5_=;#2'S_P`'0L2?R]_Y&%-\8ZSY
ME939V<V_\:<=M+([XR':.ZOD)\WMI4-!MC%Y&HQ%5D*W;^YNV,3N^EF;*4S4
M\%+)CUJZJ9D2&*1I(PWNM:Y*TKG\NL65^`7\AS!YFDV]E\=18[,UWQPS7R\H
MJ&K^6'RZADJOC3MTTG\;[B@=N[/#)M'&K71O)(&\PC)<1E$<K[KWB/Z_X.DQ
MC/AG_P`)^LSC>P,KBEI:ZDZK7XW-V(E/\H?F6]?M$_+^#:U1\9H\QBO],(RD
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M3=P[;3Y'?-W-YW962^1-2:3I+!56)V]VMEJ[*;F[(DL^.Q=`E5D7@=)GA2)T
M=O=>UR&F>/V=!SGNFO\`A.'MG;&R=VYRFWM0XSL6F[#K]F4)["_F3U&[,UBN
MJ<UC=M[_`,ZNQ*3=,^]Z';NWL_F*:B;(U..AH:BIE$<$LK!@/=;U2UIY_EU%
MW#U5_P`)K=I]A9_JK<^3RF`W_M7"5FZ-T;=R_<?\PR@GVWM+'[6DWG7[RS]9
M4;XCQF&V71[?ADDDS%3/'C$J(GI3.*I'A'NO:I:5_P`W0YTOP8_D'UO]YTI,
M?'45&S-^="=7[GQ\/R@^93Y7$=@_*&BV9D?C_M.?$+W$<G)E^TJ/L'$-C(XX
M7#&K*R&-H9UB]UK6_K_@Z8^I_A]_PGQ[S[GSGQ[ZG>CWIVY@FW6G]U\=\H/F
M;3TVY)-@Y$8C?T77FZ<EV_1;/[1FV#E#]OG4VWD,JV&F!2L$#`@>Z]KD`!KC
M\NEG-_+\_D1TW=4/QUJ,-%3]UU._VZKI^O9_E1\P(LU/V*G4='WP^SX9).Z5
MQ\N;3J+(T^<,2SFU+/&M_,ZQGW7M;\:_X.@'RO2?_";[$UW7F,^ZRN<R/:VW
M(=X;!H=E]S_S!M_U>>VE5]E;AZ>H-T?;['WYN&7%;>R?9FTLGAZ2MK134U74
MT,QA=XT+^_=;#2'@?\'0A;$^(7_">OLSOC=7QFV)5XG<?=FS?[Y1YG9U'\JO
MF+%!45W6[P1=E87;.ZZON2FV7O;<G6<E0J[EQF%R-?D-OD,,A#3:'T^Z]KD`
MK7'Y=!'MOKC_`(3,[MV;V/V!@]W4<VS^I^NT[=WKFJ_Y"?/'"1P=6ON?%[*7
ML3;M+G.Q\=7[[V8=W9RAQO\`$L%%DJ05M=3Q%]<\0?77M4HI_L=&1Q/\O[^1
M#G.R]Z=/8K$P5?8_7/3&$^0V_=M#Y5?+Z*3:'2^XX$J\+O\`W#DI^ZHL-B\1
M74$B5(26H6I2ED2=XEAD1VWUK7)Z_P"#HN.\^L?^$TW7^SNGNP=TYRKI-E_(
M#:=1O3I?<6/[K_F"[AQ_8^$ILM7X*6';+;=WYEI*S<C97%5<284JN9E^UF9*
M5DBD9?=;#2'@?\'2G['Z!_X3A=2;:J=U]@YFFP.+H^P]U]5U-*GR-^<>8W+%
MOK8&T=L[\[%Q!V9@>T<IO!J7K/:.\L77;GR"T)QVVXJV,9.>E>ZCW7@TIP/\
MG0F9WX1?R`-MQ[UFR\V!AI>O/CM@/EKNVNI?EW\L\ICL?\;-TMDTVWW)29'%
M=WUM#G-E9QL3-]K44$E49@8BJD3P>3W6M;^O^#H-?YG7\J+X!]&_RW_F#W_T
MCU7OO9?9/7/QUWWV)UKO;'_)+Y4RY';NX\1@7RV`SM'19SN:LI#4TDZI((ZF
MG=3RLB$%E]^ZVKL6`)P>MD79[O)M+:\DCO)))MW"/))(Q=W=\93,SN[$LSLQ
MN23<GW[IH\>E%[]U[KWOW7NO>_=>Z!CY&]JU'1?0'=7<]'AX=PUG575N^NP:
M/!5-4]#39BKVEMO(YNFQM36113RTM/63T2QR2*CLB,2`3;V8;59#<MSV^P+E
M1-,B5'$:F`K_`#ZD'VGY*B]R?<_V]]OKB_:UM][WJSLFF50[1+<W$<+2*A(#
M,@<L%)`)`!-.B<=3_(7YB87OOH3JKY-;;^-,^W_D7L#LS=&S\MT37=HKF=N9
M3K3";0W)6Q;EI^P(?L:K'9+'[K2&):4^59T+LV@:6$FX;1R_+M>YW^QR7FNS
MEC603^'0^(S*NCPQ7!4DEB,4H#4TGWGCVK]A-P]LO<WG;V>W;F]=TY3W3;[>
MZBWE-N\*>/<)KJ!#;FR.M7C>V+L9.TH0H74:@%=M?-[YEYG:77OR/JMA?&2'
MXR]@_)3&=*TNV8,SVI_IWQNWLS\AJ[X\TN7FK9*0]?5&:H\U2#(R*JI!+2^@
M".0\&,O+/+T4MWLYN+W]_0VAF+?I&W)$`GIP$E"AI3R;&H@5,B;O]W/[O^W[
MYS5[2Q<S<XM[Q;7RC)NS7!BVW]S23Q;&F^-$$#?7+$\+>`*DNLG<2R\1![G^
M4OS(3L[Y=X?X_;4^,J]=_#W;VU<ANZI[DK^U&WGO#(9KIVA[HR)VY%LB)<)1
M44&%R<=!"E2WD-5&TC/XV"A)MNQ\O_0[%)NTM[];N+,(Q#X01:2F$:]8+#N%
M25U=IX5&0K[?>R_L"W)OL3?^Z6]\X?UKY]NKE+5=J3;1:6J1;J^TQ_4&[)F9
MVFC:9S&*",A`NH$E8=@_*OY";HC^%6W?C=L_IJDWU\K^H=V=U9&?O#*;VDVG
MM#;VT=F]7;CJ]OT?]PJ7^+Y'-5M;VC!%'4.$@2*CD)0M(NE/9[%M4#\QR[W/
M<&TL)UA_0T:V9GD4']3&G],UX'(]*=$/*WLG[6;,_P!X;=O=S?N8'Y:Y(WZV
MVE!L\=H+FZGNKO<8%G;ZUO"2)$VYV9`2Y:5:,`IJA:;YO?(%?CGNO,UNQ.G&
M^2&W_FABOA)!'297>J](5&]\YV-M39-!OF430-OQ=JTT&ZD>:E!^[:2%F5@&
M">U#\M;:-W@19Y_W,^WF\_!XWA!&8K6FCQ*+48*U.FOXNA)-]W/VN/NQLFWV
MW,N_CVDNO;Z3FXEH[3][K9PV%S=O9BA%E]2QMB$DIX0#A2"07Z$GK/Y(?)C`
M[Y^1G5?R1VOT5-O/J'H/;7?VU<OTAD=__P!U\MA=P5/9F)&W=PP;]ITRT.5@
MRO7+R>:F/A^VJ`+:P?:2^V?9IK?:+[9);KZ2XNF@83^'K##PSJ'A]NFD@XDF
MM>`XA'G'VD]G]SY<]I^=?:/>>95Y>W[F>XV6YBWA++ZB*:!=OE\>`V3&(Q&.
M_`TR=_B(37215FJ?Y@E13=%87>S=>JW9&:_EL[G^?<-`M>W]QH9ML;7VCD*G
M8<M27_CY2JSF[HA',$)%'"Y+"0K?R\K,U_)#X_\`BJ[NME_2JS/1JTIP0YT\
M?+RZ7P_=;CF]R-PY='-)'*5O[N6_)1?1_CA%Q<72+>!:>#58;5M2D_VK+0:*
M]?_0W^/?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=50]A@G^=G\62`;#
M^6U\QKG\"_R)^(%K_P!+^_>?5Q\#?:.O?S*/A[\B_E;N;I7)]*[CV#@,=TWU
M7\SZS&#>6?S^)GD^0?>7Q_KOC9TKN*&'"[<S2#`["VEVOO;)UE476JAJUHDI
MX93+(\/NO(P6M?.G51W_``Q#\J]OX3MS%;6W]T;5_:=)?-_XP?$ZGR>6W3CL
M=TAT)W]D=N===58"5,=LEYGRYZT["[/W?NR>#7Y-V5N&H8#44M.U5#[JVL5_
M9T>+M+^4!+U)6?'?NWXHU^5^0W>7QY[VZF[&RFW?FMW;NS,4W;'473O6/:/6
MO6G26![%H]G;KQ_4%!TKD^U*S>&SA1;8GH%W7&]37I)/,M73^ZKJKQQT"&0_
MD]?,'M/M+>'>._?D%A^B.W^P,-\ON_J?>/QD["WI@Y^G?F7WIM'H_HCI+![/
MGJ=E8*IWGT_U7\<NETH-T9;()19/=V:R<\RT%%&M/X/=;U`"@X=#+COY>WRN
MZTH?BCN#X^[,^-'5VY/B/_+P[UZKZBV`>QNQLSL+9_SS^4^\.K/])W;]1G,_
ML7<FYM[]<;3P>VMPYA:W*:]P[DR&9E@J5@>JJ*L>Z]J%#7S/\N@4V?\`R3N_
MNO=L]M?'K*=L=.=]_'3Y#5O\M_%=RY;<FRING-X[JZ_^+?>._=__`"9Q6[MJ
M[.IMVX[?F^_D'M+)4`KMS566@R&:R61KTK?MX8*>6776]8(%1D5_GT]];?R>
M?D?M#X_[^Z%W;V5U[V#3=G_S&?C!O#>&Z\QG,]!ELI_+0^'&Z.MJ[H[J*O\`
MM=G0FN[8H]D]4T.$JZ20MC9%K)I'KY6#O-[KVL5K\C^T]6`_S!_A[\BOFUO#
MI7KC:W:'6W4'QMZ[.XNV-_UNZ>OZ+O#,]J=ST=.=K]3;&S?3^Y/[O[,JNL-C
M4&=RNZIZRMR]3)-N>APGCQ]J-Z@;ZJI"Y\^JA]^?R1/FEVWTOMF/=7:72^T?
MD;U5\8/AE\'NN=[[8W/O3*XO)_&/9G7_`&'U!\X]L;BK\IL6*>FA^0&SNU*K
M*4-.M#4R+E\%C[U%"2TZ>ZMK4'`\^C'-_)[[UF^76Q/DW!V!UYMRAW;\[MR]
MO?*G9^W\IN"&'M#XL]"[VVUOK^7)LR&.3;+4<V]OCUF>HMM&:D'V5)!!E<A!
M%75$-/"D_NM:Q2@'E_Q?04[`_E<_S),'UATAUNN[?CSUKNSX==6_)+IWH#NW
M9O9/9.XL_O/M+YL[\I<9WC\\=Q8"MV%MN;K[L'J[I;,[FK=J[+AK\TF3WWN*
M4U69I,73(U1[KQ89/K_D_;U*QW\HCYG=%XBAV+U=G_CMWGU=L_Y\?"WY=[:V
M?F*W*_&"@W%LOXN?'[^XE1L/*X+9O7?;FW]O;JJ^WM@[,W#)ED3(_P`>EIJZ
MKK5BJI51O=;UJ<D9H1T?_P#F!?$?Y,?/_P"+72/5FYML=+["W52[MSW:G=6Q
MV[)W5N[8J;LVETMV]3=,[+P.[/\`1K@:_>&VG[ZSFU:[+UE5AL;)3XS'U$L%
M/+.D,3^ZJC!23U6?'_)I^96WJ+;6X]P93K'Y`=@[@^6?Q]^3?R.RT'R-[9^,
MF\NX-S]*_%C?>"&Z,#W)UIU;G-X=>9Q?EGW'E<ECX<?3Q-!L_;.)@2HIY9IJ
M>'W5M8\OGY>O0\9W^7U\R\C\E=D]ZUG5\><PN%^)G4GQ[P&+Q'\WCYJ]<=O=
M89*/N3?/:_>LV[/D+@>G\AV/\G<+N*MR^"&-7<,^.@2'#_;K24RF*1/=:UBA
M'S]!T-WRW_ES?(OY(;K_`)EN6I-V=<XZC^874_PO^(_4-;D=Q;I3+;&^+FP=
MWYC<GRR3<"P;=JXJ'<>^(.U=UIAZ*C>JBKY:6A-744HEE\7NO*P&GY5_V.BY
MY?\`DM][;G^0FTNZAVOM/KJF[F^0ORX[:^;N/VEFLYDJ[<]+09ON#(?RO]R]
M?K6[7H*6MWS\4\9N[$T->D\F+A-,CQTL\GVD$DNNMZQ0@#_5Y]&`^`'PA^</
M3?:WQOJ>[\[UEUMT5\3/B=COC9C.I.I.U\MVQU]W/O\`VK@MM;)VOWOM#8F[
M^B>NZ[XV_=;4H<O4YFFIL]GLGFLAEHZ>IF^VH1-6;ZJQ%,'^715NT_Y-OR[[
M0W_\C.[8^QNH=G=VU.]_E1\F?B+OC'[EW=DLEUI\K]Y]V=6CXV[@W#-4['^S
MIMM;7^*GQ]V_L[/.E+DU`W%EHH:.JBBAED]U;6*``9_V.C/_`!2_E";EZLW_
M`+JWGV+W+V%LW^Y_0?P[^-7Q\B^.?>/;76M%#L/XZ=#-0;HR_;VU]L5FTMN;
M^KLW\DNPMXYVBHLFF4I6HGIWF"/5UE+[]UIG!\NBW[3_`)9'\PJG^.W0'0,M
M-\2^LT_EY?';Y);%^+.Z>O=[;UKA\C_DIV]\?^S/CALCO/MK%UW4F,EZ.V1B
MMJ]L9C<FY\'05&Z\AGMWUCM]RM'`K57NO:A6OK_J]>F/<W\B#LY*L]/T?8.-
M[=^.\?4?QIZCVEN3NWM/L#<?9G4?4/5>TMT/W-\:>NL)D,#G-NXCJ;MSMK8W
M7&X8:R&:+(10TM=CZH2TE!BHE]UL.*U/'_5^?4+KW^3)\WX-M;OVSOSNWI>#
M>?R?P'Q*VS\NN_DI<YO_`')D=G=%[/W#O/M/K;:?7V0V]LG";HV#V?VE'M/8
M$6/KZW'4</6.WJR1X%J<B<>NNM:Q0>HZ-G\<?Y;7RGZYW#\%-I=M[^Z<WGT_
M\//EU\^?DID9=ITN8V?+O'_31%V73?%]\!UAC\#'M/9D^R6[]W345^'@KGQN
M!-%10X^6KC<F+?7F8'41Q('0%]+_`,NC^9#\6M^9_O[JRE^(G:GR`^1/4/R.
MV%VOD>T>Q.R,/M?X]=J=X?+GM3Y'1=K]?RX_JC<.3[>Z[RV`WMA*#=.T9(MK
MUF2R>S\:T.36F8FE]ULLK8-:#_-T$.7_`.$_7;E#M7:&W-C]M;1HJ[;/8?QA
M^+NY]SY?+YM<CVS_`"F.L.JNFL)W+U%NK&4NUZG&8?L;?'>6R<KO;$8JE,F*
MQIFBI/O[32/%KKP<#@/+^?5N_P#.J!;^4O\`S#`H+'_94^V^`"3QMJJ)X']`
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MH?>?E?D+WE/-?,'-^\;5,D4>T7^W+:1;?<7MP\DLEX`LGB?4K&JQ]X85(TU(
M+SM#HWYL8WJCJGX=9#XOXRGV1L#Y:X7M/(?)(=[]=3;:K-CX/Y7Y+Y"R9:CZ
MUB1M_FHK<'4KCH:5XTJ/NSKD$<=[&UQNG+LE[?\`,8WO_'9K$Q"V\&6H8VPM
MP#*0$\M9\OPACQ,J[][D?=XO.=^=O?VU]Y9GYDW3D:7;DV#]S7XN$O)N6X]C
M$3[@:65$F4SO(&*>'VJ6:E12[KV!\P]D]K?/BGZF^+<'>6Q_F)MC9M/MS?%#
MWGUMUT=EU^/^/N,Z5RN/S^VMZ-%EZZ2CR>+^_62FU0RTDH56\H*>T>V7G+]S
MM_*S7^^"UN]M=R8S#+)X@,YF!#("%!KI\R#FE.(,]O.:/83F+DC[L<O/'O.W
M+?,?(-Y=M/9OL]_??5H^]R;M&\-Q:`Q('CD\`K)W+(I)&@@]+#?'3OR6Z;G_
M`)>N^.J>FL;\@\Y\9N@=]](=D;,QG9^U.M*C^(;OV%TMA*;<V%SN^8XL7D</
M197K"JCEB&FJ*U,3JA`?2EM=QV?<CS;;;AN)LX;ZZ29',;R_!),VDJF:D2#.
M!@]$'+G/WM#S_']ZCESG;W`EY6VWG#FBSW>PNY-ON=P71:WN[3-;RPV9,B2O
M'N,;*V8ZQNI8'34-:?XV_*6H^-.]-T5'3^(HNZLW_,3P7S?H.@I.T-J3UC[9
MV_VSLC=O]P).S(%?8T>YLABMK2R)4F3[*,2JK-Y`4]JY-ZV?]\VUNM_7;4VD
MV1GT/3,;KXOAZ?$H-7PT)J*5IW="Z;W<]F(O=_E_9HN?)Y/;RW]J9N4'WH;?
M<A/J)]MN[7ZX;>:7AMTDN%!CT^*Q4E1H(;HP_0^PN^.U?D#W_P!T?(CH.'H/
M;6_^@NL^A<7L:H[6VAV?F=QT^WMQ=K[@W)GSE=AC^'8;'24G8,5''%,XJ3+&
MS@:;6*MVNMKL-KVO;-GW7ZMXKJ2<R"-X@I98U5=+BI(\/54$C-,4S%?N9S-[
M9\D^UWM?[>^U/N<W,^[[7S/N&]27B[;=;=%`T\&VP00>%>_J2R!K%I2RCP]+
M!3W<02_X:IV33=U4>WJ;<'>=3\8:SX@;LZ)RU'D/DCV179K&3U?9W6N7PW6^
MWH:O/2Y/"]9U^RMM5=-68VC:+$30HL$L#:^5O]=)FV@JT-N-U%ZLH(A45'A2
M*9&('=*&8%968R@U(;B>I#_X-;F&;V[GW2;:^6T]XH^?+;>(F38;!(I%7;[^
M*6_G*PB.;<$N[B*2*XEU72,3(D@T]?_1W^/?NO=>]^Z]U[W[KW7O?NO=>]^Z
M]U[W[KW7O?NO=$I^4/\`+U^*GS&WAL/L'O?9>],KOCK3;NZ-H[,W9L#N[O'I
M/<&+VOO2NP>3W/@)\KTKV-U_69;$YBOVW0RRP5CU$>NF0J!S?W5@Q7AT7/\`
MX9._E_?\\S\E?_2^?GE_]TE[U0=;\1O7^0Z#NM_E6?RI<;O2FZWR.ZNT<?V)
M6S4M/1["K?YEWS-I=Z5=17TC5]#!3;6G^4L><GFK*%#-$JP%I(@74%1?VM7;
M;][9KU+"8V8!)D",4%#0U:FG!P<\>A7;\C\]WG+TW-UIR;NLO*D:LSWJ6<[6
MBJC:'+7*QF%0CD(Q+@*QTFAQT]?\-$?RQSC:7,BK[L_@]=0Y;*466_X<9^;?
M\-K,9@(GGSN1I:[_`&9[[6HH<+#$SU<R.8Z95)D*@'VU])<ZVB^FD\0$`C2:
M@M\((I6K>0\_+HN_J]S+]9-M_P"X;WZ^.2*-XOIY/$22<@0QLFC4KS$@1*0&
MD)`0$GJ%MC^4W_*VWMMVOW?LS-]O;NVGBGK8\INC;'\R3YJ9_;N-DQM,E9D8
MZ_-XKY0U>-HWH*.199A)*IBC8,UE(/NT]C>6LR6]S9RQW#4HK(RL:F@HI`)J
M<#&3TIWGE+G#EW=K78>8.5MQL=\G"&.WN+6:&>02,4C*0R1K(X=@50JIU,"!
M4BG3)#_+`_E)U.S8.Q:???8=1U]59,X6EWW#_,Y^8TNS:G,*\D9Q,&YT^5+8
M2;)B2)E,"SF74I&FX/MT[5N8N39G;9Q>!=13PWU@>NFFJGSI3HQD]NO<:+F"
M7E.7D+>EYI2'Q6LS8W(NUBH#XK6YB\81T(.LIIH0:YZEY;^5A_*AP&U,)OS.
M[N[.PNQMS5-%1[;WGEOYF'S,QNU-P5>3$K8VEPFXJSY30XC+5.06!S`D$TC2
MA&T@V/NL>V[A-<2VD5A,UT@)9`C%U`XEE`J`/.HQTQ8\B<^[IO>X\L[;R7NU
MQS)9H[7%I%9SR7,"QT\1IH$B,L2I4:RZ*%J-5*CKGE?Y5G\J7!;NQ_7^;W7V
MCAM^Y:3'0XK9&5_F7?,W'[NR<V79DQ,6/VU5_*6',ULF4=&%.L<+&<@A-5O?
MH]MOY;=[R*PF:T6M7",4%.-6`H*>=3CSZK9<C<][EL-US3MW)NZW'+$`D,EY
M'9SO:QB*AE+W"QF)!&"#(6<:*C53I]3^4)_++EHJ+)QU'=TF-R6??:F.R"?S
M%_FZ]%7[ICR53A9-M456OR=,%5GTS%%-2&C1FJ!4Q/$4UJRAHVMR&9#;/K5-
M9&DU"T#:B*86A!KPH0:TZ+&V'F)+FXLWV.\%W#:BYD0P2!TMC&LHN'71J6`Q
M.DHE8"/PV5]6E@2E,7_*_P#Y2F<KMPXS";Z[$S&2VC19#);KQ^+_`)G/S&R%
M=MC'8FL3'Y2OW#24GRIFJ,+18VOD6"HEJ5B2&9@CD,;>WY-JW.)87EVV=4D(
M"$QN`Q(J`I([B1D`5J,CH\O?;OW&VVVVJ\W'D/>;>SOY$CMGDL;E$N))5+QI
M`S1!9GD0%T6,L74%E!&>GW=?\I?^5SL2"2JWQF>X-FTL-5BZ&6IW7_,B^:NW
M8(JW-BM.%HY)LO\`*&CC2JRXQE3]K&2'J/MY/&&T-9JWL;R[(6UM)96()HBL
MV%IJ.`<"HKZ5%>/1;LG*G-W,TJ0<N<L;AN$S)(X6VMI9V*0Z/%8")&)6+Q(_
M$;@FM-1&I:NNU_Y/?\M3?&$I-R[*_P!.N\-N5[5"4.X-K_S$OG#N#"5KT=3+
M1U:TF5Q/R;JZ"H:EJX'BD"2$I(C*UF!'MN>VGM96@N8'CF%*JRE6%145!`(J
M,CY=(=ZV;?>6]QGV?F+9[JPW:(*7@N87@F0,H==4<JJZZE8,M5%5((P0>LO_
M``SG_+;_`(2,]X>^OX$TZTJYK_AP[YR?PEJI\B,.E,,C_LS7V9G?+,*4)KU&
MI/CMK]/O7@3>)X/@MXM*Z:&M*5K3CPS]F>'5/W7O/UQVS]V7'[R"ZO"\)O%T
MB/Q2WAZ=>D1?J5I3P^_X<]=P?R<?Y;M2(VIJ?ORH$V9R&W83!_,-^<DHEW!B
M37C*X*,Q_)E@^9QAQ=5]Q2B\\/VTNM1XWMXP2K75"PHH;@?A-*-]AJ*'@:BG
M'K4FV;Q"7$NV7"E;=)S6)A2"71X<QJN(I/$CT2?`_B)I)U+5+;+_`)57\J?L
MFKR5!UWNGM/?U=AHH9\Q1;+_`)EOS.W35XJ"IFGIZ>;)4V#^4E=-0Q3STTB(
MTH4,\;`7*D!^YVZ_LE1[RQFB1N!=&4'["P%>(X='7,/)'/7*,%I<\U\G;KM=
MM<,1$]W9SVRR%0&81M-&@<JK*2%)(#`G!'0A_P##)W\O[_GF?DK_`.E\_/+_
M`.Z2]HZ#H*^(WK_(=>_X9._E_?\`/,_)7_TOGYY?_=)>_4'7O$;U_D.O?\,G
M?R_O^>9^2O\`Z7S\\O\`[I+WZ@Z]XC>O\AU[_AD[^7]_SS/R5_\`2^?GE_\`
M=)>_4'7O$;U_D.O?\,G?R_O^>9^2O_I?/SR_^Z2]^H.O>(WK_(=>_P"&3OY?
MW_/,_)7_`-+Y^>7_`-TE[]0=>\1O7^0Z]_PR=_+^_P">9^2O_I?/SR_^Z2]^
MH.O>(WK_`"'7O^&3OY?W_/,_)7_TOGYY?_=)>_4'7O$;U_D.O?\`#)W\O[_G
MF?DK_P"E\_/+_P"Z2]^H.O>(WK_(=)#>O\H_^6!UKB8,]V+DNYM@X.IR-+B*
M;,[U_F/?-C:N)J,M7"4T6+@R.=^3]!1RY&L$+F*!7,LFAM*FQ]J;:SN[V0Q6
M=K)-*%)*HK,:#B:*":#S/#H^Y=Y9YIYOOI-LY3Y<O]TW)(FE:*TMY;F58DIK
MD,<*.PC6HU.1I6HJ14=/51_)K_EQTF1Q&(JJ+Y`4V6SZ5TF"QE1_,)^<\.1S
M<>,@CJLE)B**3Y,+4Y),?33)).85<1(X9K`@^VA#(R22+$QC2FHT-%K@5/`5
M/"O'HNBL-TGM;Z^AL)GL;4H)I%C8I"9"5C$KA=,9=@50.1J((6I'2=/\IG^5
MNN\:WKMLUV^.P,;A_P"\61V*?YDGS4&\:#;X2.0YVMVP?E#_`!NEPXCE5ONG
M@6"S`ZN1[>^AO/IEO/HY?I&;2'T-H+?PAJ:2?E6O1L.4^<#L%OS6.5]Q_JM-
M<>!'>?2S?2O/4CP4N/#\%I:@CPPY>H.,=-N\/Y/O\IRHVYF,9V&G8M=LW);1
M3<>Y,1OK^89\Q*_:&7Z_JJRFIQE]R8G<?R8GP.6V/6UTD,32UD4N.GD9$)8D
M#WZ.QO)6"16<K.7T4",3KI710#XJ9T\:>76K'E3F_<YX[7;>6-PN+I[LVBI'
M;2R,UT%+FV"K&2;@*K,80/$"@L5H">K;-M]@]89/;6V\MM3?FQ\OM/,5\&U-
MJ9G"[LP>5PF:R\'GHX-OX3+4F0J:/+993CY8Q30R23EH7&FZM;<EC>PRRPS6
M<J3(NIE*,&5<=S`BH&1DXR.J[AR?S;M6X;CM.Z<K;C;;K:0>//#+;31RPPT4
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M?[A7I^(`\1"0>/$$@\0:=9O[=]R^^W#;=KW$<Z[HHN;6&:@Y0YND"^-$DFD2
M1[0T<@&J@DC9HY`-<;,C*2V_\.LXG_GTW7O_`*75\&?_`+>7N_\`4)_^CA-_
MV0WW_6CI9_P$E_\`]-QNO_CG<X?]Z?H['Q=^2%-\E]I;EW52[:P>V$V[NE]L
MM28+N+I_N>GJ63$8O+?=3YSIK=^\L'B)RN3"?95<\-:%42F/Q21LP9WW93LE
MQ!`9VDUQZJM#-#3)%-,R(QX?$`1Y5J#UCM[S^TDWL_ONT;)-N]S>-=V0N-4V
MU;IM+*#+)%I$.ZVMK-*OZ=?%B1HJDIKUHZ@S7LCZAWKWOW7NO>_=>Z][]U[K
MWOW7NO>_=>ZJKV_A:O!?.7L_)YS*[DV_2[A[FVKDL!ME_B)FM[XO=U)-T9L?
M`4VXZ3Y,T^U*^BV=01YJ@GAD!R$,>/EH7A8H)V]CR61)>5K)(HT=DMG#-]6J
M%#X[MI-MK!<Z2".TE@0<T'6:^Z;C!N7W;>3K/;;*TNIK7E^YCGN!S/%9R6K#
M>+R9H&Y?:Y1[IS$Z.I$#-.LRR`-X0Z*#BN@>X=E=2[9Z_H^J]_5^RLU\5?FW
MO_"T1V]G*[(=>=J]F=>R8;>?2\N#2GJ9<=3=@;NRHW#MNE:*GDEJ*[)4<23"
M*/2<G<MLFW.>?QXA(+ZT4G4@5HXY05DJ6%=*51RM5`12Q6H!G:\]S^0>8>>=
MXYHN.=-KBY@M^=>4;*5_'A1+[;=OOA+:[L)BRB1K*UC^AOY`SJL<-I<2-&7:
MH^Y_8]+V1C>]MX]5=`;U3I^7KCXI8/?O7DO5.7ZGR?R#J^K^VCOGM3%;;V%N
MG%;0S6ZYL9TVS[>>6JHXESDD@Q%,U1'#9"^.Y>REVN"^W:,[CXURT<@F$H@$
MD6B(M(I=4K+^I@]@_4-">HQVSF.?E*[]M=@YV]T-N//J[MS)-97PW*+<X]D7
M<=L^CVV2XO;:2ZBMA)NM+X+'*QM%4W\HB>2K0]X==YONSL]-]?'_`&/E^NNO
M]R_(OH.NQ>[MX]%9F7;F2W7L#I/Y!4F^^V,GTQO&+8F;IMOI29_;FU'RU=%B
MS5U]`G@ED%-3R/:VNH]LM&MMWN5FNTLIQI2==062:#1&)D,BZL22:%U45C4#
M4:*-AYKV[VZY.?EOW1YC@W;FBSY3WI)+6UWF(3QVU[N^R-9[;'NUJ;R%IRT%
M_N0MH6N!'#,WBHOC2JJ`S77-=M7H_J*DW;MCM+8?8VS]Z?*;#[WW5COC:W?G
M4,G8._MP1OOG9]9T'A=LQY%NB_D)CJEY=H9+;,E`<?2$8^JR:5=;5"K4PW0N
M-SOS;S0RVDD5N44W/@2:$7L?QFD(\:`_VB2:JFK*FE103[=S9;[U[C\]S[%O
M&S;GRG?[?RY+:6TF_P#[EW065E`19W2[U-<%/WQL<BA=SM]P6;QI*W4-FT%O
M#X"YZEVQN+;OR;Q.5W?A\WTV<W@_B-X.L*'XE9_M';,N1Q73&*VWD]N8?Y!#
M;^?I^O\`';(W$/X7+42Y-#C/LC+)(%GDE+-]-!+L3QV[)<%6NZR_5K$U#,6#
M&WU*9"Z]P&CNK0#`'0<YYWG:MU]G;ZRV*_MM_%O<\SZMP?F:#;K@))NTL\<\
MNR>/`U])>0?XPJ+;D7'B^&BUC5`BNONCNU()NH]CY;K'?:;2Z_\`E7LGY>FK
MR>W,LU!+O'LSY`;QV5NG",M13?Y+5=>Q1Y#>+LH$4&*S--4E@K*?>[B]VU3N
M%Q#<0AI;&2VTJ5&$@60-CSD8A*\6=6&37H0<T>XW),B<]<QV/.&V'>]TY)O.
M6-$<\0<6NW[):W=M-VMW+?$P[6`>Y[FUFB`+`CIEZNZXW)5?%[OSJVOQ^]=Q
M[KS73_96W:WI>I^(NYNK<GC\?D>VJ_\`CN`@[J3:^,E[,J<KA,NJ1P4U;//7
M0L:^'4RNZ*]RN;1]XVRZ9819">,^(;I)E;]$`$P%R(Q4&NH`#X#Z$RYUYLVB
M+WE]L><[>YVZTV*WWZPG3=5YGM]QCD=-L3P9FV@W,@V]8YHB6>2%$A<"UDH&
M56,!1]1]BU&V?Y@75?8O6F8WK!L_X_[1Z[Z2WAE]N?WEINY=NX39/>N4ZYR.
M'GJL>5S/:&T*/>5+MW,B"'SMDZ%*I2WWRL2=;ZS2;E.^M+M8FDNW>90P4Q$O
M`'#4.(VT%TKC2Q'X3U%T_/7*<6\?=<YUY4YOM]NEO^:+J^W>UBG^G;:IYKO9
MH[^.4*_Z6W736LE]:ZVT"WF:$@?3$"R#;&8ZZZWVMM/:55E-E;"EIMO8AH=L
MSUV"VN].:B!$D:'#/+0F+SUXD!*QC5,&'+7]A">.\O)[BX6.64%SW49OYY\O
MGPZQ)WFPYKYMWG?-]AL]QW-'NI0;@)-<!M))%9:/6B:2*MA:>5.JVL)59'/_
M``WS/0>/V'VFO:6R.T,#F,]MK)=0]EX6F_AZ?-"BW`];A-P9G:E#MC=,$>WT
M_B;/BZRL"X\_<FT0+`921Q0\PQ;H\]O^[Y8&"D2Q-GZ,K1E#ED[NWN`[L<<=
M9<[C!:;9[_;?[FW7,NR'DO<=FFBAN(]TV^9M9Y3>`)-!%<O<6Q,Y^G`N(HJS
M_HCOHI@87IOM'8W<NWFP6P-W9'K#N7Y2?+'MC==)'1UT5+UIV=AL7\G-O87=
MTYG028G9/R!V'G,0(*D'[?\`C]-#+&P_B@O5[[;YK&;7-&MW!8VL:GM[T8VS
M,..7A</4"K:6.H=AHIW#G_DSF/V_W4;ES/80\X[!R7RUMMLQ="VX;?+)R]/-
M;"AI+=[)>PW6N/\`M/HI)$<'Z(T$+^7O48OKWKNCQ^]=Y5M'D,3U=U)BLI0[
MS^*61^,-+LBNHL0^+JMJU._L]MC;6/['RL.44TY3[F>5&IC,@*SZRUS>KW=X
MSVMJ"C3RD%+H7.L$U#"-68QBF>`&:>707^]/%>\U<USW7+W+\<EI/O6YR1O:
M<R1\PM=H\HD6Y6RAN+A[",QT<'PT4B01L08M(L0_TF];`4Y/86Q[5A(I#_>S
M`VJB)C3$4Y^__?(J!X_3?U^GZ\>P?]#>Y_Q.7''L;'GZ>G6*7]3N;OU1_5;<
MJQ_%_BTW;C5W=F.WNSY9X==-V?UJK3*W8>QE:F=HZA6W;@`U/(DO@=)@<A>)
MTF]!#6(;CZ^_?0WN/\3ES_0;_-UL<F\WD1D<J[D0XJO^+3=P(J".S((SCRSP
MZ[_TF];`4Y/86QP*PD4A_O9@;51$QIB*<_?_`+Y%0/'Z;^OT_7CW[Z&]S_B<
MN./8V//TZU_4[F[]4?U6W*L?Q?XM-VXU=W9CM[L^6>'7?^DWK?54K_I!V1JH
MQ(:M?[UX'52B*9:>4U(^_O`(ZAA&VJUG(4\\>_?17O;_`(I+GAV-G[,=>_J?
MS=2$_P!5MQI)33_BTW=4:AI[,U45%*U&>'7`=H=9GP@=B;%/W#^."V[<`?._
MD$.B&V0_<?S,$LMSJ-OK[]]#>Y_Q.7']!O\`-U8\F<X#Q*\J;EV"K?XK/@4K
M4]F!3.?+/#KG_I,ZWU5*_P"D'9&JC$AJU_O7@=5*(IEIY34C[^\`CJ&"-JM9
MR%//'OWT5[V_XI+GAV-G[,=5_J?S;2$_U6W&DE-/^+3=U1J&GLS5144K49X=
M<!VAUFWA`[$V*34-H@MNW`'SOY!#HAMD/W&\I"V6YU&WU]^^AO<_XG+C^@W^
M;JQY,YP'B5Y4W+L%6_Q6?`I6I[,8SGRSUS_TF=;ZJE/](.R-=&)#6+_>O`ZJ
M413+3RFI7[^\`BJ&"-JMI<A3SQ[]]%>X/TDM#P[&S_+JO]3^;:0M_5;<=,E-
M/^+3=U1J&GLS5144K49X=<'[1ZSCBBGD[%V+'!/YC!,^[MOK%,*9Q%4&*1L@
M$D\$C!7L3I8V-C[\+&])(%G+4?T&_P`W5EY,YP=WC3E3<C(M*@6LY(U"JU&B
MHU#(KQ&1T2#Y[X2CR,G3NY7&^\+)@QV518WL?;/1J_)[8F*_O;MS%XC([![4
MZ1Q^+R>Z,]MKMG">>@I<GB9,?44E3!]JU?3)D-%0)>59'4[A`/#8.(R8VG^F
M8Z6)#QS%E4-$U&*L&!'=I.FHR,^['N,]JO/VSJ=MN$N?H'DL+C>/ZO7DGTT\
MDL=[MV[O)';PW&V3:)I+>Y6=)8W\86TK6NJ(NNY=N?(2HS_2G<N#Z#CV]COB
M/UC\<:([%H8]VR;LQ$VZZ.AK_DCLSH/!+C\O2[IIJ;J_)8[`52SY`/\`<XAZ
M19)Y(22:12;2(]RV^3=-4E]-.0YT:"%)$#SM5=%9`SK1>#:J`'J5]HW7VLBV
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M>W<?:O7'PSWIMSM5^J,I78:FVCM+?756`K?CWN;9$1A@Q%)\<WHYZYL-]Y!)
MF\3D:O(U#+7?Q2<'+;EMLF\VE]!<+'MD$UVAB\50=;)*PG1_/Q\`/1M#*J*2
MOACJ8=P]R/;O<O=GE3G7E[F:';N0-DW;FNTGVT;E&DK75S9[E,F^6]X:M*V^
MATA%WX3K9W,$%I$&MOHHR(_<_P`7^_,?EL]M[K/";*WQN+!Y7>7S*GW+%LS)
M]0]:XWO=J/:6Q.G\%T]M+;[;ZBDW]MS:G6^4>K_B.3GJ*NJSQK*FI3[J-%0V
M&\[5*L<]Y)+%"RI:!2XFD,7<\K2LQCI&S2+32H`":5':3T$O;_WE]L;JQVS=
M><-QW';MJN8+7E5;<W<>Z;A)LVJZO-TFW2YG%F193W-_;K%X%NB11V7@0PMX
M+,15QN4VM_I-W]6]C?&KLG?O8O??:_QP[;Z>J\EUCF*>HQ^SL7MKK,X"#.=@
M4E%787JC*_%W=F+SN1RM%E*W%U:R2EZ>*IGR825(R7'T-J+3>(8K.T@N(I@)
M5-7+2:BL9(,HN5**K*K#&2`F`5=V>]?U.Y8M^4_=[:-LY3Y8V3?MLW18]QB9
M7NI+C</':&Q9TEW*/F*VDLX+::VBN(BJA97BCL]2-/Q9V1OCISN7^_7=&`K\
MQMSL;']]X;K+?62VA5;9IOC/@<!WGOG=]7L'=!J:=*7$8?O7$9.FW$NYJQZ6
M;*Y&@CQ\EZ>/#Q+;>[BWO]O^DVR14>$P-)&&5OJ&:%$#I3),)!0Q@L%#%P`3
M)TN]Z>8^7.?N0/ZM>WNZ16^Z[3+LLNX6<=TMPW,$T^SV=JM[;Z6+2R[-+')8
MG;XA(MM!,UTE)6OW-F9[0ZS6'[ENQ-BK3F5H!.=W8`0^=(UF>'RG(:/*D+AB
MM[A2#]#[!OT-[6GT<M?](W^;K#X<F<X&3PARIN7BZ0VGZ6>M":`TT5H2"`>%
M13CUS?LSK>*:2GD[`V1'/$H>6%]UX%)HT,*U`>2-J\.BF!P]R+:"#]#?WX65
MZ0"+26G^D;_-U5>3^;7194Y6W$QL:`BVF()KIH#HH<@C[<<>N![0ZS6'[ENQ
M-BK3F5H/.=W8`0^=(UF>'RG(:/*D+ARM[A2#]#[]]#>UI]'+7_2-_FZL.3.<
M#)X(Y4W+Q=(.GZ6>M":`TT5H2"`>%13K*>R>NA4-2'?VRA5(I=Z8[JP0J$04
M_P!V7:'[_P`BJ*4^4DBWC]7TY]Z^BO*:OI)=/KI;[/3UZ;_JCS88A..6-Q\$
MF@;Z:;23JTTKHI75V_Z;''K`>T^L!'YCV/L,0ZBGE.[]O>/6$\A37_$=.H1G
M5:]]//T][^AOJT^CEK_I&_S=._U*YRU^'_5+<_$I6GTL]:5I6FCA7'VXZSGL
MGKH5#4AW]LH52*7>F.Z<%]PJ"G%67:'[_P`BJ*4^6Y%O'ZOIS[U]%>4U?22Z
M?72WV>GKCIK^J/-AB$_]6-Q\$F@;Z:;375II712NKM_TV./6#_2IU@(_,>Q]
MAB+44\O][]O>/6$\A37_`!'3J$?JM>^GGZ>[?07U:?1RU_TC?YNG?ZE<Y:_#
M_JEN>NE:?2SUI6E::.%<?;CK.>R>NA4-2'?VRA5*I=J8[IP0J%04_P!V7:'[
M_P`@44O[M[6\?J^G/NOT5Y35])+I]=+?9Z>N.FOZH\V&(3CEC<?!)IJ^FFTU
MU::5T4KJ[?\`38X]9Z?L#8=9C\CEZ3>VT:K%8AJ5<MDZ?<F&GQ^+:MD$5$N1
MK8JUJ:B:KE8+$)67R,;+<^]&TNE=(VMI!(U:#2:FG&@I4T\Z=-R\K\S075I8
MS\NWR7TX;PHVMY0\F@5?PT*:GTC+:0=(R:=?_].T;?72$E9OO?=7_?\`_P"$
M]\?W&^-X3>+=S02[NA\FX\FW@W:Q*%=TP7T9%+'16B1;FUS,%HA6V@'[OYAR
MH/9;'3G-5_5R#6NK&KXJ"M!VNY:]PEM^6N6H?ZK?>D.G;K45M586I_0CS;9-
M;<\8#^*(HU!6@2W^@>3_`)^%_P`)SO\`DB#_`*^>U%#_`-&_F7_LF/\`UMZ.
M_P#7(7_IE?O7_L;_`#]77?RPMH-LWJ7L3'MG/@SGON.S):K[CX&NC==07VKM
MN+[?>806CWR/'J9;G_<>U,;\\`#FQ=-[;_H7T=8ZTNH_"<]QRHUOJ7^E49J*
M8J>>7WQM\&^\\<JW(VWW'M=.SA=/.0(OF_QF<ZK6I-;/-`<?KB84QU9;["W6
M(?7O?NO=>]^Z]U[W[KW7O?NO==,P52Q^B@L?SP!<\?GW[K8!8@#B>B>8/YU?
M'[<.V<+NW'Y;<IPN?V/\?NPL=--M?(1S/MSY-=KY?I?JJ26G]4L-77;ZPD\5
M9$1>BIPLTATL/9[)RYN<<TENT8\5))D/'XH(Q+)Y>2$$>?J`,]3UN/W;?=':
M]XW#8[JQM/WA:[CO=C(!<(0)^7]MBW;<@&P"J6<R-$P_M7JBBHZ'VK[5V?0]
MMX'I.HJ:T;]W)U]NCL[%T:X^H?'2;3VAN':NU\W4S90+]K!619;>5"L<#'R2
M([,.$/LN6QN&L)=R"CZ5)5C)\]3JS`4^Q#U&,')._7/(VY^XD4,?]6;3=+?;
MY'UJ'%S=07-Q"HC^(J8K68EQA2`#EATH=Z[MPVP-F[MWWN*2>';^RMLY[=N=
MEI:=ZNJBPVV\55YG*24U+'^Y4SI143E(UY=@`.3[9MX)+JX@MH1661U5?M8@
M#^9Z*N7MBW#FC?\`8^6MI16W3<;R&UA#,%4RSR+%&&8X4%W%6.`,]8-@[UP7
M96Q-E=C;6EJ9]L[_`-I;<WKMR:LII**KFP6ZL/1YW$2U5'+^[25,F/KXR\3>
MJ-B5/(][NK:6SN;BTG%)HI&1A_24E3_,=.<S\N[GRAS+S#RGO2(N\;7?3VDX
M5@ZB:VE>&4*PPRAT8!A@C(X])VE[>V76=S9GH:&HKSV%@>M=N]L9&D;'3KBT
MV?NC<VY-I8FHBRI_R>:N?,[4K%>`>M(U5CPP]NM87"V$>Y%1]*TS1@_TE56(
M_8P\^C:;D3F"#V_V_P!S)(HOZK7.[S[:C:QXANK>W@N9%,?Q!!%<Q$/P))'E
MT)_M'T#>O>_=>Z][]U[KWOW7NDEG-@;$W/7193<FRMI;AR<$,5/#D<YMO#9:
MNA@@E>H@@BJZ^BJ*B.&&>1G10P"NQ(%S[417EW`AC@NI$0G@K$#]@/1[MO-'
M,VSVSV6T<Q7UK9LQ8QPW$L2%F`4DJCJI)``)(J0`#CI@Z^[:V=V;F>TL%M6H
MKY\AT]V%-UAO5:W'S4,5/NN#:NUMY208^2;C(40PF\*)A.GH,C.HY0^W+JQG
MLTLY)@`L\7B)\U+,O^%3Z]&?-/(V_P#)]AR9N6]11+:[]M0W&T*.'+6S7-Q:
M@N!\#^+:RC0<A0I\^N]N=L[-W5V7V9U+AZJMEWGU)CM@Y7>=+-CZBGH:6C[*
MH\]7[5:AR$@%/D'J*?;=49EC),!50WZA[]-8W$%G9W\BCZ><N$/J8RH;]FH=
M:W;D??\`9>3^3^>;^&,<O[Y+>QVC!U9V;;WA2YUH.Y`K7$>DM\=33@>@6[X^
M37QXZXSV;ZV[BI9LK4X'8VQNU,GBJK93[KQ"[>WKV[C.E]JUT<<E-5TTV2&_
M\M!&T83R4\!,Y(12?9EM>S[O=QQWFW$J&D>,$,5.I(C,PJ/+0">.>'4A^V?L
M][J\V[;MW-W(,RP0W.Y7FW1R+=_32^/:;9)NURA(96$?T43L#72[TCH6(Z57
M6:_'GMRAW-7[,Z]V754O7/9>_NJ<F:[KS"8]L;O/K?<]5@]U4^-CJ<8I:C@S
M]+(T51%:.<_N*3>_MF];=[!H4N+R4--"DH[VRDBAE)S_``D?X.B3G!O=3D6Y
MV>VY@YJW!)MVVBRW*/1?3/XEI?VZS6S2%9/B,#*&1LI\!X4Z#FM[-^)=+OC(
M["J=A;8?<R]N9WIG)H.KL0]/)O["=&/\E\I#45K8P)44'^CB/[H5?J1ZX^'_
M`#G/M2+;?OIX[D7<O@F`2C]1_@,O@#[._'V?/'0LM^3_`'QFY<M.9HN9KT;.
M=BAW6,_O&4,+*;>!R_&53Q*J_P!>?#\/!$/ZGPXZ1&-^27PHRZ;*:BV3@Y(]
MS0?%:KVJ7ZDQL8BB^9F2SB](.JOC0V-;*9#`5,F0%E..8*\O+7]JGVKF1#<A
MKF2J?4ZOU'_XB`>-]M`13U\Z="*[]I/O#V+<PBXYBN0UFW,:W--SD-3RI'#^
M]P2)*2>&D\:P9(G%53`Z4_3/<WQ#[YW'B]M=>;%V]5YC>77>[>SX1D^J\5BH
MJ_:>U>W,KU)N";(5-3C=+5I[`P,VF"34\T2K4?0@^V=PL.8-LA>:[NI!'',L
M?]HV&:(2J!_S;8?X.B?W`]O_`'W]L]IO=WYJYENX[#;]UMMN/A[C+(4N;G;(
M]S@"*LGP?13)5UH%8F+B#USVSVW\0=U]E[:ZGPFP]LR;QS6]N^]BX.GEZIQ5
M-0P[G^-M?MN+M&/^(28M8:.&AK=T4;4DXLM:Q9HS="??IK+F&"SFOI;J7Z=8
MX'8^(WPW`;P_/S"FOIU7>.1O?C9.4-WYWW'F:\&P6^W;+>3,-RE9S;[^DYVX
MZ!)5BZ6\HE3C$*!OBZ%;?,?Q\Z[W!USMW<W7NS(,OW=OBJZZVNM)U]A*Q,MN
M7^Z^Y^PJFGS,\.,(IJ23$;+K)VFGNC3QH#ZV4^T-L^[W<5W+#>2E+:/Q&[VP
MNI4QGU<#RQT">6W]T^:]KYLW79^:MP:QY<VU;ZXU7TR&*W^HM[%6B!D[F$MW
M$@5,A&8C`/6#`Q_'?</:F^^G<7UQLIM[=4;>V!N_<5/)UW@8,?08OLRJW:=K
M3XS(MC?#4U4]3L>N>98K-"R(6-W'O<K[O%9VU^][-]/.SJIUODQZ=5<_TAY]
M.;F_NMM?)?+7/U[S;N(Y=WNZO;6!A?3EWDV];;Z@2)XE54+>0A"V'!8#`/7)
MW^/$?<W^@INOMF_Z1LUUED^VIZ0=>84X^MV72;PQFU\A4UF7_AGVLU:^Y<E`
M33.3(_\`G;>F_OP.\';OWG]9+]&LPBKK;#E"P`%?X0?\'7E'NJWM_P#ZY*\T
M[A_5.WWB/;`WUTVM+MK62X15B\34$%O&X\044?!YTZQ[I3XY[7[$ZIZ>SW76
MR1NKM>D[#K-@XY.N<'5XR2#86/Q.=WD:BK3%-1XD_;Y>GD4/I^YD)`NR^]P-
MO$UI?;A%>3>!`8PY\1J]Y*IYYX'[.K;*WNSO/*G.W/NV<V;C^Y-D>Q6]D-_,
ML@:]>6&UTJ9-4O=$ZFE?#7C0'K+-\H.HZ#LFIZ@-7F(]W8WM_:O1,M'%@J@8
MV+?F[>C\E\@<%1Q5JE:?^%-UMB)I7J5'CBJ@M.1K(]M_N>^:T6^TCP&@:8'-
M="RB%CPX^(:<:?.N.J1^S?/5URC#SX((#L4VPW.\AC,/$-G:[O'LDSE./B?7
MRJH0Y:.LO`="7U1V;M3NCK78W;.Q:BKJ]F]B;9Q.[MLU5?138VMGPN;I(ZV@
MEJJ"H`GHYW@E!:-_4IX/M)>V<^WW=S8W*TN(G*L/F#0]!#G;D_>_;[F_F3D?
MF6*./?\`:KR6UN%1Q(BRPL4<*ZX8`@T88/2?[1[SZ^Z>R>R<1O:LR5+7=@R;
MZBVS'C\369)*A^NNNMS=I;G6IDI49*/P;1VC6RPZR//,BQ+=W`]O66V7>X)<
MR6R`K%HU5-*>)(L:_P#&V`Z-.3/;;FGGVSYBON7;>%[;:A9FX+RK&5%_?6^W
M6^D,:OJNKJ)6I\"$N>U3TQ=*_);JOO\`J*^EZYR&7K9\;UWTSVC6)E,)6XCQ
M[2[YVM7[QZ[J%:J4))6UN$QLK5,"DO22`))8D>W-QV>^VL(UX@`:66,4->Z!
M@D@_)B*>O1E[A^T/.OM?%;3<V6L$<<VZ[KMRF.9):W.S7*6M\O;D(DTBB-SB
M13J7`Z5/2?<FR/D#UCMGMWKBIR%9LS=PS)PU1E<;48BOD_@6X,KMG(>?'50$
M]/HRN&G5=7ZT`8<,/;.Y;?<[5>S6%XH%S'2H&?B4,/Y$=$ON)R!S'[7<X[QR
M)S;#%'S!8^%XJQR+*@\:".X32ZX:L<J$TX$D<1T'VSOEET]OOL'$]9;?R&=E
MW5FMV?(395#!58"LI*)L[\8MR[:VGVM%)6R_M1T]#F-V4:T4OZ:V-F:/A3[4
MW&R7]K;/=RH!"L<#GC\-PK-'Y>84U_E7H4[_`.R'/O+7*U[SANEK;+LMO8['
M=N5F5G\'F&WN+G;2$&2SQ6TIE7C$0H;CT8;)XO&9O'U>)S..H,OBJ^%J>NQN
M3I*>OQ];3O;7!5T=5'+3U,+6Y5U*G^GLK21XG62-RL@-00:$?81D=159WMYM
MUU!?;?=RP7L3:DDC9D=&'`JZD,I'J"#T7GM:3XX].XS8S[YZYV7!CNPNU]A]
M3;:@H.N<%DXIM^]GY:#;&VEJJ>'&%*.EJJMDCGJV&F*(`L=(]FUB=YW![GZ6
M\F+Q0/*WZC82,:F\_(9`]>I5Y)7W9Y^O.9%Y;YLW!KO:MDO=SN&>_FC(LMNB
M:XN"K&2K,JU9(QEF.,GKG+5?':3O,]#S=>[/D[/JNJ9.WWCDZ\PCT$NQ8-S4
M^P'FESC8TPM6C*R)"*4G6:<7_2+>_#]\#;?WF+R7Z(3^%\;?'I+TI6G#/V]5
M2'W73VW'N7'S3?CDU-[&U@B^F#B\-NUZ`(?$KH\,%_$&-9IQ/7'JYOCGW)C=
M[OLOKG9=7CNO.UNP.J-R09'KG`X^*#?G765;;.[%I*>HQFBKI4JZ?QQ5:C34
M1*"#IM[]>MO.WO;?4WDH>6!)5I(V4D&I?/T-:>O6^<Q[L\@7G+J\P\V;BEWN
MNR66Y0-'?3.397T7U%MJ99*JQ5M31G*,2#FO6?9%3\?.P]]]N[0VYU_M*;=G
M2^YL+LK?TU9U]A*00Y;<6Q,!N['P8_(RXZ^4I)-J;CI4=T.E;M$19>:W#;M:
MVUE-+>2^!.I9.]N"N5.*T^('A7]M>FN8HO=+E7EKD7?=UYIOEV/F"SEN[(+>
MS-6*"\FM7+QA_P!-A<P2$`Y.'XGH1ST]U(8O`>K>N3#K,GA.R-L^+R&,1&3Q
M_P`,T:S$--[7T\?3VE_>.X5K]?-7_3M_GZ"?]?>>@_B?UTW;Q*4K]9<5I6M*
M^)6E<T]<]23U5U>:EJT];["-8Z&-ZL[/V\:EXVIOLBC3_P`.\K(:,>(@FWB]
M/Z>/=?K[[3I^MFT^FMJ<:^OKG[>FASMSF(1;CF[<_IP:A?JI](.K773XE*Z^
M[A\7=QSU&/3W4AB\!ZMZY,)<R&$[(VSXC(8_$9/'_#-&LQ#3>U]/'T]V_>.X
M5K]?-7_3M_GZ=_K[SUK\3^NF[>)2E?K+BM*UI7Q*TKFGKGJ2>JNKS4M6GK?8
M1K'0QO5G9^WON6C--]D4:?\`AWE9#1CQ$$V\7I_3Q[K]??:=/ULVGTUM3C7U
M]<_;TU_7;G,0BW_K=N?TX-0OU4^FNK773XE*Z^[A\7=QSU(I>M>N:'&9/"T6
MP-E4F&S;4CYG$TNU<%3XS+O02+-0-DZ"*@2EKVHI5#0F5',;`%;'WIKV]9TE
M:[E,JUTDNU17C0UJ*^=./34W-_-ES>6>XW'-&XR;A;!A%*US,TD6L4?PW+ED
MUC#:2-0P:]?_U+1=\]S=04>^]^4M1\DNLJ*H@WUO.*>BJOE[U5C:BCF3<V4$
MM++CI_Y6N;GQ[T\ET\#UU>\5M+55009GFFTFA:UMOT5-$48A8Y``.?WJN010
M]JYJ-(X==LN6^0^>)^6N69HO:C=I(FVVU(=>6-QD5A]/'1A(/<:$/49UB&$-
MQ$,0/AJF/]-_37_>3?5?_I974O\`]ZB]J/$B_P!\#_G`W_>VZ.?];[GS_P`)
M%O/_`(ZVY?\`JRNKJ_Y8.[-K[NZF[&KMJ[^V]V%14_9TU-49/;G:6V^UZ2BJ
M1M/;4OV$V9VS\;?C-28V<12+)]K)BLC(%<2?>E7$$,><X.CWUKH`%(:&B%,Z
MF.0;FZ_X^O\`I?,\\OOD;-N^R<\<J6^\\M7.UW#;.&$<^W3[:SK]3<#6(KC?
M^8&D%05\1;F!:C3]."IDDLO]A'K$'KWOW7NO>_=>Z][]U[KWOW7NL<H)BD`!
M),;@`?4G2;`?XGWL<1U=*!T).*CK7,V!U?OW973'3M+V%L/>&SH#T3_)IZ[K
MEW1M_+[>,>\]O_S&-VY+=.S'?(TM*8MT8#$9VCJ*VBXJJ2"L@DD15E0M+]S?
M6UUNFXM:W".?J=VD&EE;M;;U"MVD]I((#?"2"`20:=8^9^<^6>8?<+GZ;E;F
M6POY/ZR^ZM\AMYXIZVL_(EK';W0$;-6WFEAE2*;^SE>*148E&`7VY^Y_D%N/
M.9;M[8"UFZ/D/M[XN_S0=M=:0[=V?29W(UD_5GSXZMV#U]B\;LNCH*JESU=C
M-I8."GT&FFEJS%Y9A)*7=D5OM^VQ6GT%T53;'W#;F?4Q50)+*9W)8N"*L:DZ
MU`)QI%``OLWM][7;5MEER)S08[+VJNN<_;RXW`SW30QJ-QY+W&]O9)+MY%:%
M)+F9WKXB+%JT1Z$"J!)[([G^5':^4^0?6.V*#-;UZ[HN\_FWT-N:DVOL"DRI
MQFQ,#\%L!O+JO;^0R^+Q4M9C\ED>Y-T&"EJ6D6JR%34QT6J0%$]IK+;=EV]=
MGOIW2.Z-K9SKJ<K5VO620@,]#2):D4TJ!JHN3T$N4O;[V6Y(L_:SG'>+FWV[
MFJ3EOE'>;=KB]:+Q+R;G&:TW*=(I90CQQ[5;ZY(PIB@CC:XHAU-T'?2GR8^0
M_76X.C>@*_)C;6#VAV7_`"VNA<GM#-[0Q%+GL'MSLGX3[OWOV7M3*25^.7,4
MF;EW[M*E9I)2*NB,#P1F-6=2LW/8]KO8MTWA%#R20;C<!@S$%H[U$C84;21H
M<TH-)K4AL'H5^XGL_P"U7-FU^Y'NC:V?UFY7^S\_;U'=0W4K0S3V'-UK9[?<
MQA)/":$65S(`%'A2ZUE8,0IZG['S7S5?,87Y!9KKSL.E[SW1\1_@ILW>.1EZ
MFJZ8',Y/YU[XH^Z]O2[7;!#%XW+X'IK<,N0R,*01S8C'3+7L(5"S!B[CY?$,
MFT0W4)VY-QO'7]44TBS3PFKXFH@R+13J(=AI&HU3I)S)MWW>EL-Q]K=NYJVI
M_;>RYZYQN[6,;FC?I1\G6;[3.+CQ_$DBFW6!88'+LMU.IMAXAU1D7^V_D3\Q
M.O>N.Z=[5L&?VW0;(ZK_`)GFZ,3G\UUECZ/$8W+]0=\;/P7Q&JZJLR.!2@E3
M*]7UF0J,7',6CW/1(]8RU7B\ZE=AM.S7=WMULOA,TDU@I`<DD2Q,UQA9:X<#
MQ*9C:BUBKH(#Y&]J?87FKFWV]Y=MY+6[N=QWKV]MY(8=P=Y9(MTV:ZFYF54C
MG+@Q[@D"7)6C;?,5MP8-?A&7V;\COEEM?N";9.,_B%)0[N[_`/E3M3JG&3]>
MXV:JWIUWU]\!\7V[UG-M*2;%"IW11KWHE=HK:=IFKIH9*!Y'CC,2N6&S;)<;
M>;J316*UM6D.L]KR7QBDU4>BGP:5!`H*,%!.HL\G>TOLAO/(2<Q7GA/<V'*_
M+=SN4BWT@6TOK[G23:]P%R!+IMW_`'.8:Q.$$*,MRJ*SAR'_`%S\G_F]N?L7
M;NQZJFS-?E-N[X_EHT?<.WJ;JS&KF=E[5[PZ)W?NSY(U.[*.##"MVK3+OC%T
MWGJ)EA_@C#P1F%6*E9>;'RY!92709`CQ;B8F\0T=H)T2#23)1CH)H!JU<3JX
M]"GFWV:^[ILW*FZ\R0RV\5E=[;[@/M<[;C)X5W<[/O-K;;"ML[3:+EOHY)-$
M:%_JQ^HXD(!Z26!^57S^JL1B-I9"@SX[G_V6'X^]HYG8C=08V'>--N7=WSSS
M'5/8>8J=I#!K7TM#'T)CF>6$PK!1P1-7J$<&7VHEV'E=6>Y5X_W=]=/$'\4Z
M-*6(E0!_$TD^,<9))[<CMZ/-S]E/NP07U]OEK=6O^M]_7+>]NBO!NDAM6M[7
MDR+<K&);GQBC.=ZD`5M9>5V%J=2D)TKM]_,_Y"X7:W=64QF\<=!5[.V3_.&S
M&W93M3;,ZTE?\2NXNM-H]$5$B38R2.K_`+J8'<57%,L@:/)M('JUF=%(10<N
M[:\VW(T`(D;:PV7S]5%(\O!Q\145I0BG84%1T0\M?=]]K-PWKV\LKS8)6@W#
M<?:V*<?4W`U)S-M>X7.\J")`5^IF@B92M#;A2L!C5B"_'>?<O3'?>_,3LJ@R
M6!I?D;\U?D!E,?#7[76OD[(V]M7^6GM+>FR<ILV3*4DS9'%?Z7-E+$M1CR5J
M:FCEHF=@)8O=?IK'<=KM9+AE8V>W6X/=\!:_='#:6&D^&_!\A3JH*ANBS^K_
M`"![@^V/+-]S#=0W,W*?MYLD;E+C0+">YY_N;2[CNA&X\.3]V798I/0QQRI<
M!02DG06=2]B?*2'N.7=&-P.XW[@["3^3[0_)_')U^D^5P6V]Y;&[2D[XGW%M
MG^%Z=@08JJDE%;.(:7^#D$`Q6M[,=PL]F.UQ022Q_00_O8VYUX9D>+P=+:^^
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MC@-T_P`Z3LO=&Y3M6ASN"P';G6O8.V\ET2V7RV2QU90XRKJ*FNS#TN-E=8LN
M(I-<4RP$*1W=A87]SL<5V%,[0;1&JEB"T<D3"6BAU)7"ZB`2N*,E:F*;SD/V
MXY_YG]D]GYU2.;?;JQ]I]OM[?ZEX9IMLO[&XCWD111R(\BJJ6HDG52UMJ32\
M9DJRL&'S^X/D#N;<>/P^3RE'MWYMYS>V_<ICL?4U6.VMC]S?R:,'C_X_N&HI
MXY*?`X;([LSL-%!-.T<#5=3%3H3(Z(6G>.+:K&%G`9MM"("0"Q7=W-%!-6(4
M5(6IH"QP">B0W^V;7[7;-M-U?PPW%W[=0VEE'(ZK)</;^ZTS^#`K$--*EM"T
MKH@9Q%&\K#2K,"]=4]4]G[@VW\:MS8+KS>N9VY5;3_D(9FFSV+VSEZ[#SXCK
M'(]CY/LC)PY*GI)*22AV#C<M2U&9E5RF-AJ8GG*+(I)SN&X64-SOD$MS&LHD
MWU:%E!K*(Q&*$UJY!"BG<00M:'J4^=^=N3MKW?W=V?<N:MNM]V2^]Z(FADN(
MDE67<8[".PC,;.'#WLD4B6JD5G>-UB#%6H$VU=U=R_%';M#N?&XW*];=M[-^
M'F>CAQ^\=L*N2Q5!O_\`FNR8R9Z[;FXJ,KHS>R]UM+3/+%_FJF.>/^PWLQN(
M-OY@D>!G66QEW)<JU03'M5?B1O)TS0\00?,=#K>]E]O_`'OW:ZV>[NX=WY&W
M#GZ$E[6XK'(]E[:B0!)X'XPW=L%D"M\4;QO^(=#;%BNYZ'LCL7M3I+9^Z]Q;
MJZK[(_G>5^V\OMW:57NVDPO:>4I.L*GJC$5M#%0U]#5YC=.XL,\>,QTZ.<G+
M`\21R69?97)+M[6%K8;A/&L5Q;[*"&8+6-?%$ARRG2JGN8$:0:EEX]1S)>^W
MUSRERIR5[B;]8VNR[WM'M"D\4]RMLTNW1MN"[E*CET=8K:"4-<3HP%NKJ[.E
M0>C(Y#M#L3L7Y`]78;L2K2IK>H_G%UAM[:>.;$4>'K,)7;K_`)4'879^Y<17
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M`)&[:^%'=4$,FY=C8[$5%!@X?YDFU]D;*J*K9>0QT6/^WR'5KT;T\KP'[N*5
M*H%F<.1!8[/L][%%M-OI?:7W2'X7+`G]W.[]P8FHDK4:L$$4%*=3#R?[6>SW
M-=OMGMCL2I?^T]Y[B;2Q%O>/*KS'D&YO+M5NTD+ZDW$2AU#_`*;*T-%"Z0H^
MWOD?VY7=L;G[*JMP4+[O^..Y_P"<7MWJ3(+@<0D&`Q'471'6>:V'3UU`M+]G
MGI,5D6+R25:2O5+Z92P]L[=LMBNW162Q_H7J;0THJV3-/*K_`(JBH_A*T\J=
M%'(GM)R+;<D;/RA#M<@V'FVS]K)]S3QI29I=TWG<(KUD?5KA$D>%6(J(SE-)
MZ&/K[:G;.[N^MI]N9K96[*O%[K^97Q;[=R>\H=K9&GVS5[;'\J/<>U-T;XAR
M$%&N)I]J4'8>27$3U:.*.GR<J4A992J>RN]GLK?:Y=NCG37'M]U$%UKJ#?O,
M,JT+:M10:@OQ%>ZA6IZ`/-.]\C[%[9;WR+MW,-BE[8^W_,>UQVIN8VN%N/\`
M7)@N;>S*,_BM<O8QFY2(@RO;JTX4Q@MTB^D/D5VSU=\,-ZXW9>X*3%T?1_\`
M*,^,W>/6T<N"PV1?"]E[FVSW<V8SE5)D*.I;,4]0VR,;IHZKRTD8ISIC!DD+
MO;MM-I?<RQO/&"UQOMQ"^6RBM%0884'<<KI;)JQQ0_\`<?VHY'YS^\'R_=\P
M[6\T_,?OKS!L]^1-*@EV^WN-H\*%0CKX3+]7<5ECTRL7RYTH%7O=F]-]=K=V
M8W;V7DDW#5=?_*_Y.=5=<XO&8JFBK8\#EOY2]1OF/!0PX^G2HS%?6[TWU7RQ
M23>6H/W"PJVA(U5G:K>WL-MN)4HJ2V-K*Y)/$;HJ5))(%%0<-(H*TK4D,^W7
M+W+?)/MY>;K8J+6#=.2.7MROI))&*&:+W,6S,Q+L5B1+2SA5@NF,>&9"-3,Q
M!SXQ5OR#ZKWCM/;77FU=ST6ZX]K_`,F#K7O3;TFRILOFMI=9R=-]C8KM>'=&
M+K*">KV>N!-(L5=72)!+C74AG0W]F>_+M5_:S3W4\9@,F\20MK`#2>-&8M)#
M`/JK50"P;R!Z'_O';^UO.NP;YN_-6]6<FR&]]U]PV><78BBN=P&ZV$FVFWD1
MPMUXVHM#"I=;@'"L.F+K[M#YD_$_XK;;PM%MK=76>S]D=#[0S,<V].L$CIL1
MVWV#_,6K-E9S$Y');BQ`<97)]+[F6>+&RO>.EJHZV-%8I)[O>6/+_,&_SRF:
M.:XENF';)4F*/;PX("/P$JTU`<05).5Z,^:>3/8'WP][-WW"XW>RWC?MQYFN
MHB+3<:M+MECR(EW#*D<$M/"CW:W*-<*.Z2-[=V(#)TODV#\B^OMV=D=E[$ZP
M[&IM[;.K/YX.^>M<@G7^7S"2[OWQOWJG</0]318RHQ5919UNQI\-)-@*5XY4
MSB4\G@2958>T,MYM=W;6EG-=PF&1-FC<&10-,<<BS`G6I`2M'((T5&HH2.@L
M_,_M1S3L?*/*',G..TOR[?Q^T-G?H;Z*(BUL[+<H-Y5Y%E1X?H5E5+V0,ILR
MZ^*T;%>CA0]\?)+.=O;LVMM1Z[.[>V9\IMY=<;G@PVR,?E?[L["I?Y<N"[BV
MO1Y^LI<7+/BEJOD=F8DCK)W26IK*B+&B3QNE.0X=LVN.QMYIPBO)9I(M6(U,
M;XQ,5JX!/@C@H("@MIJ#((%D]L_:3;>1-CWK>UBMMTW#DNTO[<RW;Q_47K<]
MS;7<O"K2@2:=AB8M$@98XD>[TZU:4%LS^0^8G=-!\>*3M;K_`+!R,.V-^_R?
M>WJY?]%M5M]\3V!E<_NS.?*K*9/[#!T+4L6RJ[&XZ3-T<NF#;BLJLE.);,>6
MJ[%MK;NUI<PJTD&ZQ8D!JH55MP*R-775M!&9,T9Z5$N[7:^PGM[<^ZL_)/-&
MUQ27FU^Z.UI_NQ6<2V4<%M#RY''KF?4;M))UM)5J]^02K2E*@-YMQ?/3^\/^
MS$KUIV0>]H_B9GM@1Y(=.5)052_S(*7&T.W_`.ZW\!.+;+R_'V+^*+'X/.^+
M!R5K?N^UHBY8^F_<WUD'[M_>"R4\44_Y)Y);5XE:>/VUU4U=G'MZ%R;3]V;]
MT_ZU!YOVC_6U//$-Z8_WJM=/]0FD>?ZCQ_$\(;V?IRVO0+C_`!2M>SH2<-DO
MF-TO1_(*DZGZ_P"P,?!NC?W\WWMNC7_1;5;A?*[^Q.5VKG/BMD\;]_@ZYJF'
M>N2R&0DPM)%J@W&%952H$>D(;E=AW([2UW<PEXX-JBS(!1"K+<`TD6F@!0Y-
M#'YLE:D([A:>P?N%<>UL_._-&URRV6U^U^V-_NQ6`1V4L5S#S'')HF32;2-(
M%NY&H]A4%FB+U)WOB-MG>^*[H^:>Y]X[7W!@%W_V)T+N/&9+,8.OP]!N6JC^
M)W2N-W96X*2K@AIZ^EQN\:2NH:C[<O%35M/+3G2\3(H8WV:W?;N7X8)D;PHY
MU(#`D#ZF4K4`DBJT(U4)%&R""<<O?3>.7;WV^^[WLVP;S:W1VO:MZ@DCBF25
M[=3S+NTELDP1BR-):M#,GB4:2)TE%5=6)\O89ZQGZ][]U[KWOW7NO>_=>Z][
M]U[K_]6T??4`DWWOQH?YI/Q'V^G]^=Y*V`K?Y>G3^8K\'*FY<HD^'R&8JNKY
M:G+9#&3JT%152/(]1,C2,[EBQG&S6]6TM@W)M[)^FI#"\G4$$56@%P`!2E,#
M[!PZ[9<M.Z<L\LB3[F'/-TW[MM3XR<\;I$DP-O&5E2)=R"Q)(M'2-54(I"A5
M`H$M]I)_WM@^'W_IN/I?_P"U7[4TN_\`IA[W_LNN/^VGHZ\4?^R1<^?^/WNW
M_>SZNN_EAJJ=2]B*/D?U=\EV'9DHDW9U5T7M7H7#X%_[J[;/]W<GMS:>W-M4
M69RJH14FNDBDE,-0D6O3&%6-><Q.+^V\;:IK0F+"22O*2-39#/)(0*U%*@?+
MS//#[XY8\\\JEO:;>>4`=G%+;<MXN=YEF'U,_P"O'/<W%P\4=:Q^"K*NM&?3
M5R399[!_6(77O?NO=>]^Z]U[W[KW7O?NO=>]^Z]T$'=G4=%W3M7;^UJ_-5>"
MAP':?3O:,=71TL%7)55?4':&T^SJ+#R1SR1K'2YNKVHE)-*IUQ1S%U!90"OV
MZ_?;IIIHTJSP2Q^E!+&T9/`\`U>&?4<0//;OGJY]O=[W3>K7;TN9+K9=UVXJ
MS%0J[IMUSM[R@@&K0K<F15(HS*%)`-0#73OQ"Q'4._\`:N_J;?&5SM9M;%?*
M7$PX^HP]%0TM9#\G_D/BOD%DY9I8JJHFCFVAD,4N,I]/IJH7,SB-K(#"^WZ6
M]M+BS,-$D>W:M:T-O"T(_",$-7Y<#J/=T/\`GWWWO^>N5][Y7FY<AMH+V?EV
M4NLK.R'E[8Y-DC`!501=)(;AZYC8"-2XJW0G=)=&T/2V3[VR=%N&LS[=X][;
MD[QKH:N@@H5V]7;BVAL7:4FWJ-H9YS7T=+#L=)UGDT.S5#*5`4$I-RW-]R3;
M$>/2+6U6$9K4*[O7@*?&<9X<>@=[B>Y%S[A6?MK9W&U1VPY;Y:@V="KE_'2"
MZO+D3L"JZ&8WA0H-0`0'42Q``/=OP6P>Z^^\KWO+V+F**NRGR#^/_?S[<CP-
M#-1Q5_0G4>\>IJ#;*U[UZ3O1;DI-WO6S5'C$E/+`L:JZL2#2WYGG@VI-K%O5
M%M)X*ZAPGE24FFGR*4I7-:U'#J3]C^\GN6R>V-E[:)RK!);0\K;WL@G,SABF
M];G:[F]QH"$!X&M1"J:M+JY8LI`!/E["_6,W0-?(?I^D^0/1G:_2-=G:G;-'
MVGL;<&R:G<-'119*JPT.>H9:)\A!03U%+#62TPDU"-I$#$6)'M?M=\VV;C9;
M@B:FAD#@5I6AK2I#`?L/V=#_`-JN?9_:[W(Y)]Q;;;DO+C9=R@NU@9S&LIA<
M.$+A6*AJ4+!21Z'IDWUT)0;X[4^-/:,^Y:W'U7QNS'8&7QV'BQ]//3[K??O5
MN<ZPGAR%6\\<N,&-ILVU8C1))Y)(PA`4Z@]:[J]M8[S8K%5;Q4!-?AT2K(,4
M-:E:<1ZYX=&7+7N==<N<E>[_`"9%M$<L/-T%E%)*796MA9;C#N"E%"D2>(T(
MB(8KI5M0)(H>77W0M#L#OCY#]YP;EK<G6_(*#J""OV[/CZ>GH]L#J3:N7VO2
M-0U\<[U&1_C<66,TOE1/"R!5U`W'KO=7N]KVC:VBHEH9:&OQ>*P8XIBE*<37
MY=:YI]S;GFCVT]JO;:7:(X;;E9MT*3AV9KC]YW,5PVM"H$?@F((NEFU`U-".
MN<'1-#!\H,I\FAN.M;)9/H3`]$MM$T%.,=#0X+L+<G8$>XURGF^[>MJ*C<34
MIIS&(U2(.&)8@>.Z.=D39?#_`$UNFGU5\VC6.E*>BUK7\O/JDGN5<R>S5E[/
M':8Q9P\SS;R+K6VLO-8V]D8/#II"*L`D#ZM1+%:`"I*]N/\`EWX'<."["P;]
MHYJD3?\`MKY\;=GJ%VU02OC%^=N_MG[[S57#&V405)ZYGVBM-2HQ7^(I.SR-
M"5`)M'S5,DEK)]/F)K,_$,_1HR+^#\6JOGIID/QZF7:?O5;GM6Y<J[BO)MN[
M;7=\ESJOU#CQ/ZG65U9Q*3X1T_7"Z,DA`/@%`JB0$D&;WUT'0[X[$^,_8,VY
M:W'3_&W<F[MQ8[%PXZGJ(-UR;LZIW-U;+2UU3)4)+BTHJ;<C5BM&LI=XA&0`
MVI2BVW1[:TWBT$=5NU0$U^'3(LGH:U*TXKZUI@P]RW[G7/+G*GN_RM'M$<L7
M-UI:P22&0J;86VY6^XAD4*1)K:`1$,5H&U`DC27+9?2>/V9WAWAW;!GJVNR'
M=V%ZCPV0P$U'3PT.`CZFQF[,;13T59'(U16/F4W6[3"15$1A4+?4?=;G<I+G
M;-LVQDI';-*0:\?%*$XIBFGU/'RZ2<P^XEUS![<>W'MU+MD<=KRY<;G*DP9B
M\QW.2VD=74C2@B-L`I4G5K-:4'7OD7TG0?(?J//=39/<%=M>CSN<V!FY,UC:
M.FKZRGDV%V)M3L*GIXZ6L=*=X\E4[52ED8FZ1S,R^I1[WM&Y/M&X17\<8=U6
M1:$T_M(VC/D>`:OY=>]I_<2Z]JN>MLYXL]KCO+BVMKV$12,R*PO;&YL68LH)
M!C6Y,BBE"R!3@GH)JKX>X:?X^_*'H./?&5BHODWNGY$;JR>Y7P]%+6;2J?D)
MD\WE,C28_'+514^4I]LR9DI`9)(GJ$C&LJ22%AWZ5MSV?<FA[K.*!``>(@4*
M#72:$TKD-0^O0XA]^=PC]T?9KW.;ER$W')UEL5M';B5@MRNQQPQQL\FDF-K@
M1`OI5@A8Z0P%.E[L?X[XS9$GR!D@W-D,@>_LE@,EDQ/04L(VX^!Z0V#TFD=!
MXY6-:M30;"CKV,FDK-4-&+JH8I[G=Y;D;4#'3Z0,%SQU3/-Z8RY'GZ_(!GF/
MW6O.8E]KEDV>*+^J\4\<='8^.)MWO=W)>H&C2]ZT(TUJJ!^)("\Z2ZRI.E.F
MNJ.G:#+56?H>JNN-E==4><K::&CK,Q2[+VYCMNT^3JJ2G9X*:HKHL<)7C1F5
M&8@$@7]I=RO6W+<;[<732\\SR$<:%V+$5H/7T'V=!GW%YQG]P^?^=^?KJQ2V
MN=[W:[OWA1BRQ-=SR3M&K,`65#(5#$`D"I`Z+#\F_@U@?DKNO=>[,EV'FMIU
M.Z>F]E]/24F/PF/R=/14.S>^]K=[Q9N-JFJII9JS(9#:Z8UXB0B02F53K4*3
MK9>9Y]F@@@CMPZI</+QI4O`T%/A/`-J_E3SZF/V=^\CN?M#L>R;':<K6]]#9
M;_=[J&>9XV=[K9;G9C"0JL`J)<&<,*DNH0C2:@?NCNDL?TC2=I4N/S]=GQVA
MW?V=W;6/74=/1G$Y#LS-+F:O`4HIY)!4T.)D7QQ3/:21>6`/LJW/<I-S:Q:1
M`O@6T<(S6HC%`>`X^F?MZC#W']Q;KW&GY,GNMLCM3LW+FW;0H1F?Q4V^'PEF
M;4!I>0=S**JIP">@CE^'>'F[ER7<+[ZRPK,A\G=I_)A<$F&HA2P93:OQAROQ
MGCVF:UJIYI<?78S*OEGJ="RI.BP!--Y"N7?Y5V];`0]HLVMZU\FN!/6FGR*T
MI6OGJIV]#J/W\W"/V_M.0EY;@^GBY.N>7_&,KZC'<\PQ\P&YT:0`Z21"V$=2
MI0F0M6B='+]A_K'_`*(E\I?@U@?D_G=XY[)]AYK:$^[^A(NAY8,=A,?E8:''
M1=Q[,[@_O%$:NJIGFKVK=FI0^!B(O#.TE]2@$3['S//LD5O%';AUCNO'XTJ?
M!>*GPGR<FORX>?62OLO]Y'<_9O;=@VRSY5M[^.PYG.\@O,\9>0[5=[7X!TJP
M":+HS:Q5M2!:4)(#G<O\M;;.Y*OLBLF[7W#2R=B;@^:^>E2+;>*DCQ+_`#0Z
M^VYL#-TL0>O#5<>PZ?;J55&Q,;5LDI27QJ`?:R'G*YA6S46HI"EFOQ<?HY&D
M4_#C46IYT_I="W:/O=[QM$'*-O'R3:NNTVO*4()N)`9!RG?3WL+'LHIO&G,<
MH`81*H9-9/1^]F;)AV=UKM3KB'(S5U/M;8^"V3%EI8(X*BLAP>`I<$F1DID:
M2&&:H2E$I0%E5C:Y'L+7%R;B]GO"M&>5GI]K%J>7KUC#S!S%)O\`S?O?-LEJ
ML<U[N4UV8P254S3-,4#$`D*6T@T!(%:=$;QO\NW;V,ZH[%ZJA[0S<E%V#\*N
MJ_AD^7EVWCS58G#]78SLC&TN_(Z9,DD59E,NO8CO)0EHX8FI5"RL)#I$,G-4
M\E];7S6_?'N$EU34,M(4)7X,4T<:$'^$4-<C[S[UFZWO.W*G.LG)UN+C:_</
M<N:Q$)WTR2[C)82-9EC&2L<7T("S`,S"0U0%>X5L7\0,/C.X<?V]_?G*S5F.
M^1FZ/D/%A/X/11TLN1W/\5,'\6IML3U?W,DQHJ3%X7^,+4JJ2-4R^`IXUUE(
MV_RM82V'@]CVBP5KP"W)N00-/J=-"2?/5^'H$WOOQ?W?(5UR)_5R!;>;E.WV
M,S>*Y81V_,DW,0N`ND#6TDOTIC)($:^(&U'2!4V1TC0;*[Q[U[N@W!75^0[Q
MQ/4>)R&`GHZ>&BV\G4N(W1B:*:AK(Y&J*ULTFYW>42*HB,2A;@FR*YW-[G;-
MKVQHZ1VK2D&O'Q2I.*8II]3^70*YB]QKKF+VX]M?;F7:XXK7EN?<Y4F#L7G.
MYRV\KAT(TIX1MP%TDZ@Q)I3J/\FNB:'Y*=+;GZ:R.XZW:5'N;+;#RLF>Q]!3
MY.KHVV+V'M3L""&*BJIJ>"5<C/M9:9RSCQI,7`)4`VV7='V;<H-QCBUNBN*5
MI77&T9S0\`U>'[./3OL][E7/M#[A;-[@6FTQWUQ9P7L8A=VC5A>6-S9$EU#$
M:%N3(`!W%0IH#4#U[*NHRZ`_J?I2CZKWGW]O"FW!59J7OCM2C[0K:&IH(:./
M;=12=<;$Z[&&I)XIY6R-.\&QTJO,ZQ.&J"FDA`S&-]N#7L&V0-'06T/AC-:]
M[O7@*?%P)/K6F!(W._N'<<Z\O^V&PS;6EO'RSLK;<CJY8SJU_>7WBL"H\-JW
MACT@L*(&J-6D#A[+NHYZ][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[K
MWOW7NO_6LKW_`/,KHO&[_P!_8W(?*04%;CM];QH*F@C[4_F]4RT,M%N3)TS4
M1I]N=GP;=IY*7Q>-TQ\<="C*13JL00"=+'9KU[.V>+E^9D*#/TVVFIID@O`6
M(K6A).*9Z[A\K^P7N1><K\L7=K[,F6WEVVU=7.V^V#:PT$;:]5QMQG8-6H,[
M-,00927U$I+_`&=?X_\`_>5[?^C;_G*?_;4]JOW)N/\`TS<O_9+M?_;/T>_\
M#U[H?^$1_P"Z7[5_]ZWJ\'^5KVSLWMWJ'L;-[*[(7LS'8OL^;$U&67<ORDW.
M<?5+M3;58<:]7\K=Q[DWE3NL54LOBQTL>+M(&"><S,8SYUM9;3<+:.:Q>!S%
M72T<$=>XY`MT1"/F036N:=<Y/OG\D;_R+SWRIMW,/*1V>[FV82K$;?EVVUK]
M3<+X@3EN"WM&%5*ZIU:X[::O#$8%G/L&]8==>]^Z]U[W[KW7O?NO=>]^Z]U[
MW[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO
M=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W
M[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=
M>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U_]>[_>.S-\-O'>+Q_P`P
MK^:CB(Y-W;GEBQ&`^%OR%RN!Q,4N=R$D6+P>4I.O*NCR6&QT;B&EGAD:&:!%
M>.R%0)3M44V\)_<^U-VC+7=@K?F"@(_.IIQ+&K'K+L&_<O#8-A5ONN>RT["Q
MMP99^;-ABFD(A0&2:-[Q7CE<C5(CJ'5R0]6!)3O]R]]?][&OYL__`*0[\C?_
M`+6?M_PU_P"C)M'_`&66'_0/1M^_^7?_`&5+V/\`_'OV#_MNZMC_`)?6)S&'
MZUWO#F>]/DEWU/-OZ2>'<?R:ZDWWT_NW#0G;F"C_`(%@,'O[!X'(Y/;BNAJ!
M5P1&G-5/+'?6CCV">9@%O(0+6WB_3X0R0RKQ.2T"JM?D:M\Z4`P?^])>V-]S
M?R[)8>W'*7+4:[8`8.7]SLMTMI3X\Q\:::QEECCGH0AC=M?AHC4TLO1^/8;Z
MQDZ][]U[KWOW7NO>_=>Z][]U[KWOW7N@-H_DKT7D-O[6W32=D8*7`[V[8J>B
M]JU^C(QC,]MT>>SNV*G8M-3RT*5:9F+-[9KHCY(TB*TS2!S$5<F'[JOS)/$+
M>KQP^*U"I`C`!+5!IBHJ`:@]I%01U(\_M%[D6VZ;ULTW*5R-SV[8UWBY2L9\
M+;&AAN%O&8.5,1BN(6[6+`N$*ZP5$+JGY1]%=VYO^[O6F^#GLS)MK^^=!15F
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M<Q&>V6[@BE>XLFN8`9K9;R*`SQ`R0AU!/7';7R8Z)WA1]29#;79."R]#WOEM
MVX+J.KIDR(I]\9?8M)GJW=>/Q<TM#&D51AZ;;%>SBH,/D-,RQZV*@TGVG<+5
M[R.XMRDEN%,@)6JAZ:<5S4$'MK09-`#U[=_:#W*V&?GFUWCE*Y@N>6H+:;<U
M8QZK2*\:%+9Y`')*RM<0T\/7I$@+Z0"0C-V_-?XQ;(2I?<':$"K1;D[-VGD3
MA=J;ZW3_``K-],U^'Q?:D68&UML9DXB@V)D,]219&NJ?%0P/,+S>EM*NVY<W
MF\-(+,$Z(W%7C6JRU\.FIQ4OI-%%6QPZ$.Q?=X]X^8VB7:^36+26FWW,?BW-
MG;>)#NJ2R;:8OJ;B+Q7O$AE:"&/5,X7^SRM1'R_?O3V#V#OGM'([\Q"[`ZVJ
M9Z3>>YZ1*_)T&)J8*3$UYAB7&4=959=ZBDSU&\'V4=3]S]S&(M98#VCCVN_E
MN[:Q2V/U<WP*2`3DC-2`M"IKJ(I0UIT$K#VPY]W+F?EODRTY9G/-&[H&M+=B
MD;RJ6E2I,CJL05H90_C-'X?AL7T@5Z=^L.V]B]QX2OW#L"OS.0Q>,S%3@:Y\
MYL[>>R:R'*TE/2U-13C%;XV_MS*RQQPUD?[R0-"6)4.65@M+[;[K;95ANT42
M,H8:71Q0U'%&8>7"M?ETAYRY&YDY!W&VVKF>VMXKV:W69!#=6EVAC9F56\2S
MGGB!)1NTN'`H2M"I(D^T701Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][
M]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7N
MO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]
MU[KWOW7NO__0LCWSDMD1;\W^DWQ<[PK9?[_;X:2NH_Y7F_LY25TDFZLO(]=3
M9RG^:]#!FX*QF,BUJT]**M6\O@@U^))UM;QS:VM-YC`$:BAO64BB@4H=O-.&
M,L*<&84)[D<MVW,4G+/*[1^\W+L:?NRS`1_<.SA9`+:(!&A;E%S"5II,1DD\
M.FCQ9-.MDO\`Q;8?_>*??/\`Z:I[$_\`NX/;_P!5)_T>XO\`LO/_`'KNCGZ/
MF7_PMG+7_HQ[+_RS^KP/Y64^'J.H>R7PW7&\>M*<]I3>7%;S^.>:^-=?D)?[
MH[8ODJ7:F<[?[CJ<_2%`(OXBM;1J7C:'[8&(RR1MSM,9MPM";M9B(:5$QFIW
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MA&7ZB,Z@K,2"0\9))!**WB$Z-2]`GWP]X>1_<KE[W'M.68MNVG<&YQ-XHM+.
M>#^L%@XN$MKF[DE\5X[S;W9Y/"9K6WG2_EE,)N8`6F?'SI#Y)=>=V[9[CWHF
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M*1J2\=U11%(:A8XG`D<U#,X74.I!N?<+V:OK'D6^YIYSV_<WM=QVBXCGBL+R
MVWR2SV^W:6[V_F7PH4VZ_82Q0;?MMVAO;HZEN9;I(%FB,+-?$#Y';.R<%-M;
M%8#L>JZ5W1O3OOH#=-,-L=>;:J^QJWJ+;&W\-UWD=G2[CJZC!09+=NTJVGJ*
MQ96I)(-RRS2O%HD]^7?MHN(93([0BY2.&9"6=@BRLQDUA!J[6!`IJ'AT`.!T
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MD*))9ZH)*LAO:;CMW[RY>WFXW2'5%&J2HR2E@Q,NIF`BT&.K`L$8DJ2`,4Z4
M<O>X'(4ON)[%^[N_^Y>UO=V%A%;;G:3VNXO.EU*^YFXGGBBL?I9K(27$3RI;
M7#R-!*R10ED*`\OQIQN?P^RLWC-P8;O_`!4T6[LI54<OR,WMLC?>]J^BKJ:@
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M*?M"FJJ3;R3%A0QS1I.E((Q*!(&'N8;9;M;:W`CV&FA3W+?%L@'NH"*^H7M'
M!:*`.NP_+_.7N)#R]R[%#LWW?S"NWVH4S['OCSE?`CTF=QM[*TY%/&9&*&34
M4.BG2=_T1]%_\]9_.T_]*9^/O_VUO;W^.?[[Y?\`]YOO\W1M_7;W(_Z,GW=_
M^Y!OO_>NZN!_EP[;VAMGJ_?]'LW)?+3)T$W8TM153?+W?NQNP=ZQUAVQMV,Q
M[6R>Q-Q;DH*/:/A1"L%1*E1]Z9VT:&0D!<V"47MMXHL@QBK_`(MXP3XF^+Q^
M[5_I>VE/.O6!OWM-UWW=N<^6)]_M.1X;E=I`4<L6=[96A7ZB<UN([V"!VN:D
MU>-3'X7AC5J#`6(>PKUBIU[W[KW7O?NO=>]^Z]U[W[KW7O?NO=538_YA?(G%
M=;X_N+<^.Z;S&SNQ=O?*A-CX3"[=WE@<[L3>W1N-[2W/L>FW575>^=Q0=@[9
MW9MGJZKCR<E%2X&IHZ]X_")(I3XAX_+VSO>G;86N5N8GM?$8NC*Z3F)7T`1J
M8V5I1IU%P5K7(SFU=>PGM3>\W77(.SW>_P!OO^TW7+AO)I9[6>&\M-XDVZWO
M&MD6S@:RN+:XW&)K=99+R.6$/K*NG?E/RU[AJ.GJ??N.WWM7/8N7>N(Q.^NT
M=M?#+Y)KC^D=KR]>5^[),UENF,KO>7L3LRBS>Y(Z/&?Q3%STV/P=/6FIK!((
MI`GCR_MR[D;1[.1'\,E(FO+:LS>($H)@GAQE5JVE@6<BBTKU0>QO(47/LO+-
MWRS>VMZNW2RV>W7'->P:]WN1?);"*+=H[,6.WO#;F6X^GN4DGO'B\&#274LI
M\/\`+7N?>TNV-D;.INE*[>?8M'\<*#:N_<!6;EW;U;0U/:&Q>W.Q^R]]8YGR
M&WLCOW;&#V?U-42X#'I+B)ZFOJ4IJFJTI).$TFP;=:B6ZN?J1;1&X+1G2LI$
M3Q1QH>TA&+R@.U'`4%E7@.B:_P#8WV^Y=3>.8]_EYBCY?VF3?GN;*9;>VW%U
MVZ\VRPV^SDHD\=E<376YHM[.5NDCAC::&&K+'TU;5^<NXZ;</4..SVX>C^S>
MN]P5G;^V.R>[.KJ_-4>!VQE<'OO8^Q>G=QY[;^4RF2EV&F<W!N@8C=6)J*C(
M##U];05<5?\`9S%%W<\M1^'?O%;W$-POA%(I:%CJ1WE52%`DHJEHW&FH4J4+
M9"W>_NW[3+M7/=WMFT\Q[/S5:Q[7<6&T;BD3S7$<UG>7FZ00SQQQB],,%O\`
M5;;<HD!NH8;F![7QXPQ>\9\T]UY??WQ\Z[FDZLVQD.W^C-J9C=%?E:BNJLGM
M+O;N/:&8W7TOA,7LO^\N/S&<V754VP=P#)Q>5:@/)CXQ64Y>1F:DY>AB@W6Y
MT3/%;W3**$`-#$X66K:"`_>FD\,,=#>1;>?=ZV2PY9]TN:HTWJ\M=AYDN8K=
M(U18[G9MJNHK;=II+OZ=XH;M6O;+Z=M)CHMTQMY0J`8\%\I.\ME;1Q.^.XI>
MK-T8JN[4^06R*W']<;(W9M2OH\%\>MB=\;AR61I*C<?9.[8:W,[QR_4=.(8W
M2&#'P54B,T[:94=GV+;+B>2VVY9TD6W@DK)(C@FX>!0*+$E`@E-?-B`<<#?<
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M#)#)%*IFB<DM;EYDNMFLI&(GG=Q)D4`21E++@8*+J!-0U00:'J/;SV"N-OYL
M]I^1[ZYECYAWB[NX;_*F.%;3<)[=IK8E$+Q/9Q"ZB=BRS*ZNA$;KT`7:GS>[
M1V1O#&["JL]UEL4CM7MGK3)[ZR'37;O<5//4]9]-]-[XIOM-B];;MQ6X(#G-
MS]AY`2UKR&EI<?1PH4$\FISBPY8LKJW>[$,TJ^!%($$T4)I+-,F7D0KA8U[>
M)8DUI@2?R5]W/DSF/8;SF>#:]XW,?N3;-PCLTW7:]J8+N&Z[K9MJO+^UD@/@
MV]C!IB"^))/+(P8QKI4Q?RN^4>1^->U^IZW[G8=?G=R9R/+[T_O/43;:QU3U
M5L/&4V=[HS&S(:W.TTL>\:/"54;X6@J)ZH232B.02D&Y'LFS)N\U^NB41(A"
M::,1(YI$'HI[*CO8`8S4=1-[)>S-I[N[SSQ;^#N<>VVEL8K3Z=1<2+N5Y(T.
MTQ792%@;5IE(NYD2.B*60I7`>GYD[]B[*['ZPRFUMK87(47R2V3U?U+G*F/*
M2TF^>MLWE]A;1WWEUH1ET-3OGK+=&\8IJVG2>GCGQ>0H:A8%B:67VJ7EZ!K6
MVO!(S1FR>60!A57"NZ`]G:L@0@#NRI[ZG2!4/8'EF3E'E/G&SWF]N+63E&[W
M'<X5,8:SOX8KVZLXB_A'39[A;VK)$Y21DN(+F(REPD?35BOF'W-5[:WENO/=
M>[?VUC?C=)M7:/R85Z3/5(RG:TV\L)CM\X'JBMJ*FDHI-I;=ZRR46ZXLC,]=
MY4S&.HB1+'7/$Z=@V[QX+>.Z=WO-;6^5[8]#%#**5U-(/#(&FFEV_A'2Z]]A
M/;Z'=]@V3;.:;J\N^;A<W7+]&A7P]M%I-)9S;DBJSBYGW"-MM:!1#I-K=W`&
MAK97LP]@WK#_`*][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO
M>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U
M[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[K_]*V'>VS]_OOC?,D'P(^3F4A
MEWQO&:+*8_XK?RT*V@RJ2[DRDBY2CKL[\5:S-U]+D0WFCJ*V>HJYU<23332,
MTC3):[L!;6ZMNL0(110WET#@4&%W$`8X`!:#!5351V@Y=YAY97ESEM)/O+\G
MPR+MUJ#&_,G/R/&1!&/#9(>94A1D^`I$D<:$:4CC4!%3/]S>Q/\`O7U\J/\`
MTD[^5W_]R;[?_>Z_]'>#_LLO/^]ET<?UBY5_]F@Y,_\`'F]PO_+GZN;_`)9V
M)S>(ZI[#ASO2G8G1]3-V7-/%M_LCK3X]]8Y7+PG:NVXQFJ'%?'3K/J_:^2Q[
M/&8!55U)59`R0M&9S"D4<<?\W77U=[;/]0L@6*E1+)*/B8\9;BX8<>&I1YZ<
MU//W[X%_M^X<[<JR;=[@[5S%$NT!3/8;AO>XQQ'ZF<^$\N^;CN5Q&]"'\.&6
M.'2P;PO$9W:R+V%.L2>O>_=>Z][]U[KWOW7NO>_=>Z][]U[HBN)^"_36WZ/<
ME'E^P^V-P;8CVKW%MG;VV]T[YP@VUU!C>]9,]4]A939--C-MX9Z#.5E!N.JI
M:3(9B7*5%!02-#`Z1R3"042<S[A,UNT=E;I.'B8NJ-KE,.D1AR7:H!4$JFD%
MA4Y`IDI??>2Y_P!TGVB>QY4V.UW@WNU7$]Q;6<WU&Z2;,(5L8[MI+B4/"KP1
MR2P6JVZ33*))%9TC*29_C)M,[3VWD\E\K>^JJLVON"@SW6W;E?V%U<N=V;,,
M!6[3RN'P.0CZVI]E;@V]N[$3O'D:#-8[,4\L\23Q+#41)*OAOEQ]1,B;!:!7
M0K)"(Y=+]P8%AXFM60Y5D9"`2#4&G3,7O%OG[\W>SM/9'EA(+RU>&_VQ+'<?
M!NAXZ7,<LR&_:[@GM95#036D]JZHS1N7B=D+E'\'.E:':9P>'S'86WZFCI.K
MJO;^^L3O!(MY[4W)U'/O"OV]O_"9RKQM72ONG+56_LQ)FI*Z"LH,M%D)X*BF
M:ED>%FOZS;BUQXLD4+J3(&C*'PV672&C*@BBC0NG2592H(;4`>D;?>/]P[G?
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MO#%'45!`A,90@U^(&)23PXX]`BGNQS?#+NEQ;3PQ7=UM.V[>9(U9)(XMI>PD
MLY(G5P4N%?;K9GESJ(<Z1JP&&UOA/UQMT4"Y/?7<6^QMG';-V]UR=\[UI<L_
M5VS]C[^V[V-B]I[,DH<#BI)*3(9S:.*@R.2RQRF?K\=CJ>EER#1Q*/:VXYDN
MYRQ2TMH2Y=I/#0KXKNC1EG[CP#,55-,89B=&>AEO7WB.;=U-R;/EK8-L-Y+=
MSW_T=HT0W&ZO+*>PDN;L/-(`R0W5R\%O;"WLH9YY9DM0[GIYS'Q'ZXCV'\F=
MI[,BJL#4_)C.9S?>Y'JJR6KQ>*[&R>WL1BX,_B:146>@HCF<#39.HIE=D>M>
M=TT^4J&8=\NEN]HN)SJ%H%5>-2@)JN20.TE10`>9!-22_;_?/FQN9O9_?.8'
M2ZAY/MH;.`*H622PCGED:&5B2KOX4TENDA`(B$:MJT5+_LOXY;3P>]L3V[DQ
MD(NRGRN]=X9V#'9B6IVG'N_M#:'6VU=\IBZ6LHHZU\(D'6-!_#UE<2Q$RLY)
MDTJW<[O/+;26"$&SHB+4'5HC:1DK0TK^HVK%.%/4EG,/NSOFX\NWW(EF8FY0
M$%I:PF2(+<FUVZZO[FS,C*Y03$[A-XQ4:6[`M-%64.^?CUU9V;O-]Z]B;>AW
MM/\`Z.\MUG3;>W,E)F-IX[`[@R:Y+<%?C,)64LJ4&X\V((*:HKHW$S4E-%&N
MD`EFK7=KVRM_I[28Q?JB0LI(8D"@!(.5&2!3B2>BGEOW4YTY.Y?7E[E3=6VZ
M/]ZQ;@T]N6BN9)H(_#@229&!>"&KR)"P*B21W-210*Z+X0=*TV,ZTHJN7>N9
MR/4W=>$[[V=NK+[D6IW93[WP>VZ+:"4M?FHL?3RY#;.5VWCX:6OH7716"-))
M&,J1R*L;F/<&>Z91&J36Q@90"%T,Q;`U8(8D@\!6E*$CH:W'WC/<*6\YON((
M]NM[3?.79MENK:*`K;&SFG>ZU)$9&"7$<[M)#,#6+4RJ`C,K/W8WQQH=P[$[
M,V+M:MGI*3O/MG;^^^T*O,9.:22#$>;8]'O*BVQ'!02+#)EML;$AHJ>GE/BC
MEJI9F<@>,TL]X:&ZLKJ=:M:P,D8`\^\H6J>`9R21Z`4\^BWE+W9N-JYEY/YE
MWJW62?EO8Y[/;EBC`#2TO'M7N"SBHBN+QI7=>XK&D:J#W`T?LDZACKWOW7NO
M>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U
M[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>
M_=>Z][]U[KWOW7NO_].POL'JC^7)6=A=@U6>^+FSJW-S;]WH^7KIOYI/0^#E
MK\F=SY7[ZNDP=1V[356#>MJ0TIHIHXYJ,OX9%5T8">[%^:TLK5;??IQ#X8(`
MV^[8"HJ1J"$&A)%1@^6*==U^5N=?O96_*O*T.U^\^X1[:NV6GA(/;O>I@D?T
M\>A!,NV,LP1:+XJLR2TUH2K`])'_`$/_`,L[_O%/97_IUSH+_P"W'[5^-SC_
M`--!<?\`<NN_^M?1[_7O[X'_`(6W<O\`T6V]_P#>KZO4_E3[;Z$VST[V31?'
MWKC%=:[8E[3FFS.*Q'R0V3\EX,AG?[H[81LE)NO8^Z-U4&WY30+#%_#9YHYP
M(Q/HT3*QB[GC]Y?O&U.YWKSSF&H+02P$#4V-,H4GUU`4\N(/7-G[[.Z^YN[\
M_<HW'NES;/N^\#90(I)=AO-@9(?J;@^&+:\M[9YQKU-]0B,AU>'JU1L!:/[!
M76&/7O?NO=>]^Z]U[W[KW7O?NO==$A068@``DDFP`')))X``]^ZV`20`,]:[
M7;/^D>KV?\A>S-\]7Y;&=8_,/#9?>-=75D>9W?F,SC>G>X=E5W6./WIL.#9\
M53LFCG^,E#7PFC>6O%>U*4D5781F6MN:R6ZV:TMKW5>6#!``-(4RQ.)"CZNX
M_4E36BZ:^?'KJSR-_5*#?_:OD_EOG*";G'D*XBM413%:Q12;KM=VFX/:7C71
M6[<<P/"PE"P^")`RDJ"P$/*S_&:G[#PW8E3L7;5-\&ZSY.)58JDR_4.2EZDK
M-]1?$SM3;N]MW;:Z^J-G/2TNV\KNU\11MD8L:N/R.X8*B:&62H::21B,;X;>
M:Q%U(>:18T)$P\4)]5$R(T@?X@FLZ2VH(0"*4'06L8O>&7E7<>4X>9+Q_O(1
M\G:9&BW2,;FEF>9MMGM+6XOEN@S7$=L+J40-<&>"Q>*.1%B$:*:&@ZTEW7_+
M6[5V9/CNQMO;.KMF_(+,]6;+%7N_:N^H>GX\[OO/=-;!S4*R4F]J'%UFS4QE
M*V',D%5_")(\;.H7RP$B:]%OSE97):)[@20"5^UU\72BS2+2JE@^HAQ4:^]<
MT/4,W/-Z;)][SDKF".[VF[W^/<-DBW*[TVMS9G=##9P[K>PFC6CR+=FXD%U1
MX_J@]W&2VB3JQ#KK[C_1]L7[N-HJK^YNV/N8G@%,\51_!*'S1M3!(Q3LDEP4
MTKH(M86M["-YI^KNM/P^(U/LU'K%3FSPOZT\R^`P:']X7&D@Z@5\9Z'54ZJC
MSJ:\:GI9>T_0?Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO
M>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U
M[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>
M_=>Z][]U[KWOW7NO>_=>Z__4LOWYVENNCW[OZF5_B>JP[[WHB+D_YPNZMN9$
M)_>;*E/OMNIW)&FWJHJ07H%CB6C:\(CC">-9LL[>^DM;9ELYBN@`$;?J%`*#
MN^AR<9RV:]S?$>X'+/)VTW'+'+$QBYV);;;3^S]K[>>.OT\==$_[H)G7TF+,
M91WEWU:BE?\`2WNS_CK\0/\`T\]NS_[<WM3])?\`_*%<?]RW_MQZ.OZD;1_O
MGGO_`-%3;_\`>HZN\_E<;BR>Y>HNQJS*'K,RQ=GS01GJ_P"5.2^66'\7]T]M
M/_EV\\GNW=\NV\CK8WQ2S0J(]-1XKS%VCCG%9DO[99XF1A%@-!X!IJ;\/@P5
M^W2WIJ\ASH^^=M5MM//7*<%JN[A#LP)_>'+D?+4M?J;CX+2.UM!.E/\`B04<
MEJQ:Z1Z5LW]A'K#SKWOW7NO>_=>Z][]U[KWOW7NO>_=>Z(_OGYQ[-V>GR5CI
M-C;KW#D/CRVU*6BI*:MP&-@[8R6Y<IBMJUM)LFNR61ABIZ?9^_,O'@\M4URP
M14U:&*ETLQ$MKRS<7)V:MRB+=ZJFA/A!06!<`9U("ZA:DCY]9&\M_=PW_?F]
MHFGYCLK6UYJ%RSLR32';8[>.2Y1KM(T)9KJRB:\MHX2[214!TM4!MJ_F9O&)
MZ+9%-\;-WS=_R=F+UQDNG*KL+KRAIZ2&IZRW'VWBM[T/8S9*?;&6VGFMI;8J
M4IRBQUR9&&6FGIH6B+,ZO+EL2]P=ZC_=`@\03".0_P"B+$4,=`X<.PKQ7200
MQKTL@^[]L#K<\QS>[M@OM>-G^OCW5;&^=F*[A!MDEH]AX8N(KF*ZN(R]2T)@
M9)HY9`]`+%)\C:G<G2&([7V!U'V%N_=.;S\FR(^HA#C,;NK;N_L?NFNV7N?`
M;[RXK,AMS:>*V5N#$UBY7+-/44,=-3^:G-2)8%E+SLZQ;G)876XPQVZIK\;)
M5HRH=61:!F+J1I2@8DT-*&@'G]IH=I]QK_DCF?GK:K#9;:U%X=TK));3V3VR
M7=O/9Q:8Y[F2[@EB-M;!$F:23PY1%HE*"5TOVIA^[.L-I=GX+'Y'$4&Z:.KD
M;$98TCY#$Y+%9.NP>;Q=1/CZBKQU:<=FL940K4TTLM-4H@EB=HW5BBW&QDVV
M]N+*1PS(>(J`00"IH0"*@@T(!'`YZ"/N%R5?^W?.6^<F[E=13W5E(H$L6H)+
M')&DT,BJZK(GB12(YCD59(R2CJ'4@"A[1=`SKWOW7NO>_=>Z][]U[KWOW7NO
M>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U
M[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>
M_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[K_]6Y3>FT-K2;UWK)
M4_R_OB5F)I-Y;K=LO6_"K^8CEZ[+!]P9%H\GD,KB/B=D</D<AD(R)IYZ.HJ*
M.69V:"22(HQF2T2+Z6WT<QWB#0,"ZVY0#3-`UR&`K6FH`GB<GKL%R]OF[KR[
MR\L/WH>>+>,;?;#PDYLY%B2,B!*QI'+S+'+&B&JHDJ)*J@"1%?4`FO[F[._[
MUV_$'_TAG^9#_P#<A>U&A?\`II[W_LKVS_MJZ./W[OG_`+-7SW_X^'(7_ES]
M6_?RYL5CL3U?OR'&](=8=%02=ARRG;O5G4?>_3V(S#?W:V^G\;R>"[]ZRZNW
M)DLJVGP&JHJ.HH##"D8F\R2HD?<W!%OK?1?RW'Z66DDMY"#J.`UO)(M*4^(A
MJ^5*=8&_>QO+F]YSY:DNO<7>>99!M0'C[CN>S;I+%_C$Y\&.;9-PW&WCC_'X
M<TJ3:G9C'H9&:POV%.L5^O>_=>Z][]U[KWOW7NO>_=>ZZ-[&P!-C8$V!/X!(
M!(%_\#[]UX4J*\.JL]V_R[<_7[(ISMKM=3VYFMM]CT/9>Z=Z#>^Y]E[RS^_^
MR]O]W?Q#%[)GWH<?L:@Q?:FUZ:<18@4DD]#+,DC-(P<#:VYMCCNE,UE_B".A
MC5`BNJI&T-"X6KDQL<N6HP%,=9H[']ZW;+7F.7][\DG^HMO=V#[?;6GT=O=V
ML-EM\^T:)+M;37>/)MMQ(FJZ,H298V0!`5Z7>0^,?R.FW+B>\8.Q^EZKY!Q]
MH0;PKZ;(;'WS'U!C]EXWIW>O4.$V5@Z"FWLV\9*VACWK59BIR,]8!6U\[QBG
MIX%B5&4WO9EBEVPV=R-F,&@4>/QBYE24N3HT`$H$"@&B@'437H-VOO%[31[1
M?>W$O*7,*>UC;,;5&2\LSNCW<FZVFZ37<SM:"U".;2.UC@2(F*%%<RRR%RRW
MW%\;.UZ7XO9#I787:^)I>QMY[FRNY>T^RLKA\[@8]WR;_P![Y#>O;M'@(=G[
M@H\[L$;L7+U6+Q]31ULU;AL=(IBF:KC2I".'>;$[Y'N5S8L;.)56..JMI$:!
M(M6H:7*T#'4NEF&5TDKT'-I]W>29O>:U]P^9^2)WY3V^SCM]NV^.6&<VHLK1
M+3;&F-U`T-[]-X4=Q/'+"D-U.I#QB!VA)ENH]L9C976.Q=GY^@V-BLIM;;.+
MV_-B^L\7D\)L'&P8BG6@H,?M/$YFMR64Q^%HL?!%%%%-/*ZA?U6M[)]PGBN;
MZZN(7E:.1RU9"#(:FI+E0`6)J20!U$//6\V',7./,N_;9<[E/9WMY).)-PDC
MFO9&E8N[W,L21QO*[LS,R(H->'0B^T?03Z][]U[KWOW7NO>_=>Z][]U[KWOW
M7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z]
M[]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7
MNO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z__6.IV)VC@J7L7L6G7N
M'^4E2>'L'?"/3;DG^=B[A@E&Z<MYH\\,90_PO^,K-J%5]K>E,^HPDQ:29TLI
MT:TMM5UN98(!V?0:104`%9ZX`H:@&H-0#CKOORGRAN$W*?*DIY']\'U;7:4:
MW')I@(^GCH8?$D\3PJ4\/Q*2::>(`^H=(_\`TLX3_G]/\GC_`,Z/GS_]1>U7
MC1?\I&[?]T__`*W]'_\`4N__`.F"]^/V<E?];.K]?Y1VXZ+<O2W9U91;I^,.
MZTA[8G@EKOBP_=#[.@D&SMK/]ON$]VP4^?\`[S:'#-]F&HOM6BL?+Y+1GSK(
M)-PMJ2W#@14_6\#4.XX_0=UIY]Q#9X4IUS$^_/M<^U>X7)\$^T<X69.Q@A.8
MAM(NB/JK@5A_=#-#]/6H'BTF\0/C1HZM?]@WK"3KWOW7NO>_=>Z][]U[KWOW
M7NO>_=>ZHD["^5'9VXD^4HP&_>T,!MWMFAJ:OH[<E/BLEM#!;2P?4/>&QNDM
MU2]([PR>-CI=R5V_]F;A?=%54TDM6U)*7DC$<:663K+8[.)MB\>W@:2$_K+5
M79C)"\RB9`25".OA@,!48X]=*^5?97D[:G]E_P!Z<L[-=;KL<BKO%NTD=U-<
MS;IM%YN]L-WM8Y"UNEE=P#;HXY5B$BZ48LS5(PU=#O.M[MHOBM3_`"`[SKNM
ML?\`(2EI'WKCNS*^E[4H8\S\5NR^T<IU%ENRJ*"/-97&;<W#A<7FH(YV?(P4
MN3B@GGD@^W542/;KM\F_-M5J+PVE1&8AX1I<QQ"41G`+*66HHI*D@5KT`X+G
ME^W]N[GWKE]K^6H^;I>56<6DFWHVVN8N9-OVZ/=(MO<F**2>"6XM'9`('DMW
MDBB63Q6(S;1W/N3L?XAT5#D>\LXV7E[)WQUCLGM#$;PVQL/=_P`AL;L7L[=V
MV=@8;";^IJ*GQVV-S=QXG;-+0S9K%0+5-))/5T2HTD90LFAAL^8&==L3PQ$D
MCQE&=("\:,Y:,DEEA+$Z&-,!6X'J/M]V;:.4O?>XN;3VWMA8+M%GN%WMTMK<
M7MKL<EYM]K<7LLUDSL]Q;[5+<23+:7+F,*L<%P6",&,#\/M[Y_L7XS].[MW9
MG:C<F[:[:B4&[<M5TM/354FZMOY"NVYN6CJ)*,FARLV*SF)GI&R-.$I\H8/O
M(DCCG5%*N8+:*TWK<8+>,);B2J`5II8!E(!R*J0=)J5KI))%>HN]^N7=KY4]
MX.?=CV/;4M-CCOB]M$K,RBVG1)[=E#]\8DAE240.2]L'^G=F>,L3)^R;J(NO
M>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U
M[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>
M_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[
MKWOW7NO_U[WMV;U[@3=V[XZ/HWJZ:EBW=NF*GJ*G^7%UGF:BKBBS^1C2LGS,
MGSKQ,N9EK`OE:KDI*62J+^5X8F8HLOVUK8?36YDW6?7X:\-PE4#`H-/T34H,
M4#$8QCKJKL?+O(;;%L+7'N1O2SM86Q95Y\W")5)A0E!$.3I1$$KI$2RR+'30
MLCJH8L/]]^Z?^?%=3_\`IM#K#_[OOV]]+MO_`$=;C_N92_\`;!T9_P!7/;W_
M`,*5OG_HP-Q_\LKJTWX$9?=.8ZZWM/NS9FW-E5T._)(8*';70>W?CY25U-_=
MW!2"OFVSMSN;NRFS=097:/[^7(4DI6,0_;A8EED`?-<4,5[;""Z>5#%Q:=IR
M.XXU-#"1ZT"D9K7-.L+/O.V&R[?S9R['LG,%WN-NVV`L]QO4^^,C>/,-`N+C
M:MH:%:`-X*P2*"Q?Q:N44]?L+=8U=>]^Z]U[W[KW7O?NO=>]^Z]UT1<$<\BW
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MED@G4N8I%SDNXR2K?2B^:W#&3ZF,*T.H*M)3+X;('H``QTL*4!&!M:[5][.+
MGF_W>WYNW&/FV788;B3<#OUFD$NTM<QV\!7<WW`64MJMX$ACBCN66*Y30$62
M-@IFF?XU]G_'"&O-/UMN+XP5FP8<U`@H,;3]<4&P=LTBY*&>/'K3TM)MZCVC
M%B`_B$5--B9Z/25AF@(0D'[ZL=Y*AIDWP2TXDR&1C3C4EB]>-2'!\P>H>"^[
MW)ONU);"7=[3WECW0Q$ZY&OWO;AO#(,FIFG:Z,M-6J1+E):UDCDJPF=:UFQ,
MEUWL3)]7+ATZURFS]MY3K\;>H5QF";9F2P]'7;9DP^/6GI!18R7#3PM#%XHR
MD9`*J1;VAO!=+=W2WI8W@D82:C5M8)#5-34UK4U/0.YN@YEM.:^9;/G-K@\W
MPW]Q'>^._B3?5QRLEP)9-3:Y!*KAVU-5@34\>EM[3=!WKWOW7NO>_=>Z][]U
M[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>
M_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[
MKWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[K_]`W'8O9
MW3M-V/V13S?+[X^X^>'L7?D=3CJK^3OUUN2KQ]6F[<PM505FX_\`1\\FX*RB
MJ`T4M=(SS5<BF61WD=F,\6?[[:TM2-CO&7PU`(N[U00!047QJ`4I3313Q4!2
M!U]!'*?*'N!-RERE+'[$<TRQ-M5F5D7W0W"W5U^FBTNL'UP$*NM&6)0$C4A$
M55``1_\`I5Z9_P"\ROCM_P"F7>N__M>>U.G>_P#HPWO_`&6WO_6[H_\`ZF>X
M7_A`.:__`$:VX?\`;=UL"_R@=Q;3W)TGVE5[1[3V-VO1P]N3P5F9V'\5=O\`
MQ,QV,K1LO:<AQ5;LO;V"P,&Y*\4[I,<I+'),8Y5@UZ8541ESO]9^\+7ZVSEA
M?P<"26:4D:FR&F=S2M?A(6OE6IZY=_?OVO?=J]Q.3(-^Y+W+9+AMB!2*]YCN
M.9'D3ZNY'B)=W$TS0)J#+].C*@96DTZI&)MK]@OK!SKWOW7NO>_=>Z][]U[K
MWOW7NNCP";$V'T'U/^`_Q]^Z\./5)>]OB1\LI]L;MWG]CB=[;H[JPV^<MOSJ
M3#5FR]JS;(W/-W;M3O+86.AWSDLQ#0=@2XNEV_4[92HJ9J>.D2JC='\",?<D
M6F^[$EQ:P:C%%;,H64ZV$B^"T+G0$K'\0DH`:T-1J/71/ESWS]CXMYV+E_ZF
M?;MFY>N+.*SW.5+NY%Y;C:+G9[V0V<<1>R$C3Q[@4C5VE,;*R^*R]#=7;%^0
MI[GHOE`/CUN"6ID[JI:K_0UC-_=0IONGZ]VQ\<NSNK<5O?/YFNWY0]<R[@S^
M[M\*O\.I,U5O1XF&!FFDE,D,"!+G:!M\FQ_OB/1]-3QC'-H\1KB.4HJB,R4"
MI\1106)Q2A,=6W,GM6/;ZY]FS[J6HA'+K+^]9++=#9M?7&_;?N,MG!$ED]^(
M(+6S)\>2TC$MR\@"*@221>2?&GM[=WQ0?K3(Y78^P]Z;V[)WMV[V)L"OP]1V
M3UU4XW??8.[.S:SHJHFH,YL*KEP"UV<HJ/(5]'4Q15+TU2%22EJ61D:[SM]M
MOWUJ)++;10I%'("(Y`4C6,3"JR`-125!!(J.##H,I[O\B;%[W+S?:66X[GR]
MMVT6FUV-ZDJV%\LEG8VVWKO"AX;U1/HAEE@AEC9HQ)%5DFA#`T?QRVOOG8_0
M/2^S.RYL5-O[:G6&R=N;L;"0?;XR/-87;U!CJNFI4&1RL<OV;4_B>:.=XIY$
M:2,*CJBD>\3VUUNNXW-F"+:2=V6N31F)]!QX@$5`P<]0Q[L[URWS'[H>X7,'
M*"3KRQ?;S=SVWC-JD,4L[R*S'1&1JU:@K(&12$;4REB-'LNZC[KWOW7NO>_=
M>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KW
MOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>
MZ][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[K__
MT;Q-V_,OY`8[>&\L;3_+N;'4V-WCNS'4>._TS?R@Z;^'T5!N')4E%0"FS^](
M]P4PHZ6%(A'D57(QA=-4HG$@$R6W+FSR6UM(>7@Q:-23X.[FI*BIJJ:3G^'M
M],==9=B^[_[6W>P\OW<OL2LLTUA;2-)^ZO=!M;O!&SOJ@M#`VMB6U0$P&M82
M8RIZ8/\`9U_D+_WF/-_Z.S^3=_\`9M[?_JSL_P#TS8_YP[Q_T!T:?\#O[5?^
M$!7_`+E'NI_VR=6M_P`OKMG?';W6^^\UOOM-^U\ABNP9<10YA]V_%C=YQE`N
MVL!6C$BM^)^7S&SJ4+4U<DWARCIEOW=17[=H"0!S?M]KM][:Q6EA].C0U*Z+
MI*G4PK2Z`<X%*KV8]:]81_>EY'Y;Y$YNY:V[EKDL;':S;4)7B%MS':^(_P!1
M.GBZ.98HKINU575;@VW;0'Q1(`?CV$^L8NO>_=>Z][]U[KWOW7NO>_=>Z][]
MU[JJ'?GSXWA1UWRTP.S*GJJ;-=<2XJGZ1BD-3N6OBIL#VGM?HKMC,]JX/$[O
MH:O_`'#]C;A%1B:6%L8:K&E-<A-W(ZL^5K=_W#)<I.(I@3,:A0:QM-&(F*'C
M&M&)UT;TX=9N\L_=CV&XM_8[<^88M[7;MV61MW(TVZ%IMNN-YVV+;9I;5U_5
ML8-%S(XN!'/JTK2BA<UG=WR;B[.QWQM?>'3]%V.W;5)@G[:CZJW+DMN9/K;-
M]#]@]LX2=NLSVU15&'WI3;CV%48NL!S\]++1>.KAC1YC#`PFV[(;.3>1:W!L
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MDCMGD2UF\0JSPV]71`97HW?L79W4NQM]1;CH=V/N##^:LSN/VAF>OX*K*4=7
M58W+T\NQMPY?/9W:&0QF5HYJ2KQM76U-11U4$D3R,RD^R;=+7Z+<+JU\$QA&
MPI<24!%1WJ%5P000P`!!!`ZB'W(Y9?D[GGF3EI]IDL5M;BB0O=17I6-E62)A
M>010PW221NLD5Q%%&DL;HZJ`>A7]H.@1U[W[KW7O?NO=>]^Z]U[W[KW7O?NO
M=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W
M[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=
M>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U_]*QCL'MGMBD[`W_`$U/
MV?\`SA(Z>#?6\HH(ML_#'JC*;;AA3<F36*#;^3JM_)4Y'"P1@)2SNJ--`JN4
M2^D319;9:R6EN[3;4"5'QSD-^8%F?RR32A+,:D]S.5N1^2I^5N6)I>4O8<RM
MMMJ2;CFK<8[@DP1U,T:V!5)2<R("P5B1J:FHI'_3#V[_`,_1_G/_`/I$?4'_
M`-G_`+5?NFT_W_L__90?^V/H]_J#R-_TR'W?O_'MW/\`[8.KSOY5VYMS;HZ>
M['K=T;B^4^Y*R#M":GIZKY8]3;:ZAWI34PVGMJ04VW<)MC.9VCR>UQ*[.*MY
M(Y#5M-'HL@9HYYOMX[>_@2-[<KX7^@OK7XCY^%#G\F_TWD.;WWT]GVC9>?>4
M[?9]KY+M8&V8,R\M[E/N=HS?4W`U3S7$$#1W%``8PK#PPC:JL0+0/83ZPWZ]
M[]U[KWOW7NO>_=>Z][]U[KHBX(!()!%Q:X_Q%P1<?X@^_=>'$8Z(]N[X2_&G
M)]<X_8]14Y?9U%L+;6YL'7[VP&[J/!;W^PWF]%F\[E-Z[KJ*6=\GD*W.XVES
M2U%>C*N1I8J@"RV(EM^8MXCO/J542-(ZLJ%6*56H`1010:24H#\)(ZR.V+[Q
M/N]9\V77,<4,%_<;G>6\R6DUL\UGKM`\,,=I;*P$:+#)):%(2"8)'B)S4,V0
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M>VCFN):J8RG8P(TB,(NDJ```H0JRT&D@CJ/;3W0YQW#W+W'G*^V*PW;?MS#V
MLUA+9!K6:&2);9;*.UM_"D@2*)(X;46;P3VXBB\"1'0'H4^J]@[2ZOZ]VML7
M8S5$NU\'CC_#:VMRDN;K\N^2J:C,9'/Y+,SR229;*;ARF0GKJJIO:>HJ'<``
M@!#?74][=SW-R`)F;(`T@4P%"^04`*!Y`=`OG7F??.<^:MZYEYD"+O-S+^HB
M1B%(A&JQ1P1Q``11P1HD,<=.Q$52203T('M)T%NO>_=>Z][]U[KWOW7NO>_=
M>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KW
MOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>
MZ][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO_T]DW<?QO_F$U
M6Y=RU>'WEVH,/6[DW!78A$_F%08>*+%5N8K:K'04^''P)R_\(I8*.9$BI35U
M9IHU6,S2E?(TF6^]<HB"%9K6W\4(`?\`$"V0*5+?7+4GB3I&:XZZ&[1[M_=8
MAVC9X-PV#9/KX[2!)3_4=I29$B17+2_UTB\5F8$M)X48D8EQ&@.D,W^RT_S&
M_P#GLNU?_3C4/_WOGV[^^^3/^4:W_P"Y=_WT.C#_`%WONF?]&#9/_'#/_E[]
M6%?#O8'>?7NR-U8WOK+;FR^X\AN]\CAIMS]YQ]]54&#.$Q%*L%)N./I3H_\`
M@U(,A3SM]B<?5D.S2_<GR>*,'\Q7FUWEU`^U11K`(Z'1!X`)J34KXTU30C.H
M8H*8KUBQ[^<T>VW-7,>R7?ME8V<&TQ6`CE%OLYV53-XTK:F@.[;QXK:&0>-X
M\7:`GA=FMC=>P]U!/7O?NO=>]^Z]U[W[KW7O?NO==$A068@``DDFP`')))X`
M`]^ZV`20`,]:\?;.+[/JMG=^=H;UZKR=%UY\P\'F]VYH?9[EWMN;)4747<NR
MLKU5CNP]@P[%IIMGP'XS4&0HUHEGROWS4OBD5'98C+.W26"W.T65O>UN[!@H
MX(JF6%Q(4?6=7^,%36B::USQZZJ<CWO)L&_^V/)O+W.D,G-?(5S#:Q=UO:6\
M;[IM5W%N3V-Z;QA='^L#P2F8I;>")-:EE!<")E&^/--V/A^SZCK:AI/A-D/D
MQ#7XV@R71VXY>N,AO2+XF]I[7WCOO`]8OL5YJ/;V:W;48C'?Q1<4E'E,[2S3
M12R2,TLK$8W@VLMC]8QYG%E2HG7Q`GU43*C2B2FH(';07JJ$`C@`%+(>ZDW*
M5_R;'S=+)]XF+D\I(\>\0"_2T/,NVW%K9S;@+P!IXK5;F?Z8W)EM[.2.-T10
M$01MZ[3W11?`OKR@I\=E^O>IZ?Y&4>YJW$;TV/DMT5O6?Q,J.Y]SYK9D6[^K
MLK#/4Y3$[1VI4X6H_@N3IIZ;#T,4(KZ4P4$].$5I/$W-5VS.)MP^D*@I(%\2
MZ$*A]$H."[AQK4U<DZ#5P>@IR[OFS7'WFN:KJ6Z@W7GA^4VMTEM+R.W3<.9A
MM-O%=FUW&-@L<MU<K=I]7;R))=3-)]-,)+F.7H_7PVBKZ?XQ]/T^1VQ1;/EI
M]M304N$QV"R6U<>,/#F,G%@<Q0[3R]35Y#:5'N;!K3Y*/$N]L6E6*551(E10
MIS&0V][BPF,E7R2P<UH-0+K0.5-5+_BIJ.3UC#[_`#VTOO%S[+:[S)?HUX&:
M:2:.Y?Q3%&9HGN8E5+IK>8O;M<@?XP8C,Q9G+$S/LEZA[KWOW7NO>_=>Z][]
MU[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO
M>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U
J[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[K__9
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>24
<FILENAME>g915197dsp370b.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g915197dsp370b.jpg
M_]C_X10Z17AI9@``34T`*@````@`!P$2``,````!``$```$:``4````!````
M8@$;``4````!````:@$H``,````!``(```$Q``(````>````<@$R``(````4
M````D(=I``0````!````I````-``+<;````G$``MQL```"<0061O8F4@4&AO
M=&]S:&]P($-3-B`H5VEN9&]W<RD`,C`Q-3HP-3HP,B`P-3HR,CHU.0```Z`!
M``,````!__\``*`"``0````!```!)*`#``0````!````DP`````````&`0,`
M`P````$`!@```1H`!0````$```$>`1L`!0````$```$F`2@``P````$``@``
M`@$`!`````$```$N`@(`!`````$``!,$`````````$@````!````2`````'_
MV/_M``Q!9&]B95]#30`!_^X`#D%D;V)E`&2``````?_;`(0`#`@("`D(#`D)
M#!$+"@L1%0\,#`\5&!,3%1,3&!$,#`P,#`P1#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`P,#`P,#`$-"PL-#@T0#@X0%`X.#A04#@X.#A01#`P,#`P1$0P,#`P,
M#!$,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,_\``$0@`40"@`P$B``(1
M`0,1`?_=``0`"O_$`3\```$%`0$!`0$!``````````,``0($!08'"`D*"P$`
M`04!`0$!`0$``````````0`"`P0%!@<("0H+$``!!`$#`@0"!0<&"`4###,!
M``(1`P0A$C$%05%A$R)Q@3(&%)&AL4(C)!52P6(S-'*"T4,')9)3\.'Q8W,U
M%J*R@R9$DU1D1<*C=#87TE7B9?*SA,/3=>/S1B>4I(6TE<34Y/2EM<75Y?56
M9G:&EJ:VQM;F]C='5V=WAY>GM\?7Y_<1``("`0($!`,$!08'!P8%-0$``A$#
M(3$2!$%187$B$P4R@9$4H;%"(\%2T?`S)&+A<H*20U,58W,T\24&%J*R@P<F
M-<+21)-4HQ=D154V=&7B\K.$P]-UX_-&E*2%M)7$U.3TI;7%U>7U5F9VAI:F
MML;6YO8G-T=79W>'EZ>WQ__:``P#`0`"$0,1`#\`W;7V;:/>[6Q_YQ_[D]*'
MCYH>198*V0]W\[9^<?\`2](\_P"4NG=]7.GN#039#"7#W]W/HO\`#_28=*9W
MU9Z:\!I-L!Q=]/NYV/9X?O85*EXX_BZ\.?P`QOBTE*1]/[SS.<^P8VCW#]+;
M^<[_`+C/\U+.?8*,HA[I&Z/<=/U3JGFNDM^K/3;6>F\VQN<[1YF7,-#O^@Y/
M9]6^G6->UQLBR=WO\:[\;P_T>7:D9QI0Y_!0'JT!_1_K/,YEE@KOA[A^F/YQ
M_P!%U3S\D;?9Z;O>[^=Q/SCWN;YK?L^K73;&O:XVQ8[>[W]]M]>G]G,N4O\`
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M^5'=#Z2^PNPY>XS=CS+B?S<?S72M^KW3VNW`V276/^GWM+W6?^?7IL?ZM].Q
MS6:S;^A<Q[9?.M88UD_]M-1]R*#SV"ICU>H:>G^]_P!\Y/U1<YV1[G$C[-3H
M23_VFZ<NK6?T[HN'TY^_'+R[8VOWNGVL930WL/=LQ:EH**1O[&CS>6&7+Q0N
MN&(UTV4DDD@UU))))*4DDDDI_]#U5))))2DDDDE*22224I))))2DDDDE*222
M24I))))2DDDDE*22224I))))3__1]..=A")R*A/'O;K!:SQ_?MJ;_P!<8D<_
M!$3D5"9`][>06-/?_A:O^W*UQEK1LHT'\X__`-NNE(60T>FP0/YVSM_PO1U+
M[8[]:=./PV$N'UGU2E';]U[AV=@M$NR*@)(DO:-0-Y[_`+ON2=GX+07.R*F@
M$@DO:!(#GN'/[E=C_P#K:XC/:W[+]$?SMO;_`+K6*6<T#"RM!_.W=O\`NMU1
M+VQW2/AL*!XSKX/:NSL)L[LBH1H9>T:PYWC^[79_VVE]MPXGUZXD#Z;>7':S
MO^>[Z*XK/:-N1H-;1V_[K]31=H])V@_G<3M_P[4O;'=!^'0H>LZ\/3][A_[Y
M[`9V"0",BH@P0=[8(<6L9W_/?8QC?ZZ0S\$MW#(J+8W;M[8VF/=S]'W-7%8;
M1]FQM!_,X?;_`+L]/0Z6C]F<#^@U]O/%2]H7NG_1L-?6=)B&SW/V_!@G[15#
M07..]N@;.]QU_-VI'.P@"3D5`-W%Q+VZ;)]6=?\`!['^HN(+0,;,T']&RNWE
MDJ60!Z648[=2_)FI>V._11^&P_?.YZ>#VHS<,F!?63)'TV\MG>.?S=KDFYV$
M^-F14[<0&P]IDF-H&OYVY<?0T>L[0?S^7V_EY2%TAK=V%H/Y[&[?R<9+VQW0
M?AT`)'C/I\/[W_>O:LSL*R/3R*G[MH;M>TSN#7UQ!_/8]CF)AGX#A+<FHCQ#
MV]_FN,Z2!NQ#'^$P?_;?IZKX3&_9W>T?X+M_):D,8/5/^C8>KUG01Z?OO=G/
MP1(.14-LAWO;H07M=.O[U5K?^MV*3,O%?9Z3+JW6`D;&N!=(+F.]H/YKZK6_
M];L7#Y30;LO0'WV]O^'ZNM'I('_.)QC_``E__MQU=`P%7?0E9D^'PA"4A,GA
M!EMV>M25?+S!C&MHK?=9<[:RNO;.@+WN_2.K9M8UO[RKOZU0T.=Z-Q:T6.)A
MO%-GV>\[7/:_]'_.^[_!_0_3?HDRBTHXIR`(%WLZ"2S3U[#!T:\M+BUCO:&N
M(>^IWI.<_P!^UE3\AW[F-^E_PC$UG7L6K=ZM5K-H<72&:!CW4/=(LV_2K>[^
M7_QUE527#+LG[OE_<+__TO2#T?I9`!QF0TD@1W+J[3_X)CTN_P"MI'HO2B`#
MC,@$NB.Y-3G'_.QJ/^VUC,R>L^G,Y)M`]@],P7EO^4&O_1[=F*__`)/_`-)9
M^CI^U5IQ?U.2'V98H@@O967/%`C[#>QOI/=]KOM]F37L]3TOZ132I.$_O-_V
M,X_R^W]:?\O_`$/T.N_HO27MV/Q:RV28([EOI._\#]J=W1NEN8YCL9A:\ESA
M')<VRMQ_S+[F_P#7%CG(Z[ND&_UIGT]GZ/[3.UV-N+/Z!]F_2>MO]+?_`-JO
M71L._/&94`_*LQQ(9Z]1;NJ(?-M_Z*IS;VYGHU,_F_U7]+Z7I^K>D8G]Y!PY
MQ$GW[H$T)3_#_N72?T;I;PX/QJR'F7".2!97_P!1?=_VXG_9'3((^S,@EI.G
M=AWU_P"8Y8E61UG8PO=DF1J36=Q:6SU)SFMK]MN+=_0?_9?[34G=D=6U]^4&
M`:D5DN#0`>G/8TU^Z[*M_IS=O_AC[-6EPG]Y/L9KKW_^=/\`E_Z\_5NRWHW2
MV-#6XS`&AK0`.S',MK']FRFIW]A,.B=)#/3&+7LV"N(_,&WV?^!L5!N9U>C#
MR+FUOMM#ZPX6L<0Q[C^MMHKK:RZ_$I]OHNK]3_CK58Q,WJ5W4&LOK-5`]5L"
MI^U^E3J7^J_^;VN^TU_\+Z7J_P"'H0J7?\6,PSCB/NZ1LWQR_1CQI_V+TJ'`
M8M8#VN8[3EK]WJ-_M;WIST;I;MTXS/?Z@=ISZN_U_P#MSU;%=23;/=@][+_G
M)?XTFF.D=,!W#&9,N=,=W[C8?[7J/35=&Z546&O&K::RUS('!;M#'?V=C%7Z
MU;U&NW'^Q;RXAY:UC9:ZV:A77D._,I]!V4[W.K^A_I?26>;NH\,MS/0'M%CJ
MG!YQB3Z^2?T+7?;:[/T=+-GK_9_TOV;_``J<`2+XFQCQYIP$O>H2Z&4[W=BO
MH_2ZBPUXS&FLL+#'!K:RNK_,956HLZ'TAC=K,2L`Q(`\-&K)]?K)`W.R1:Z#
M8T5^T6@'[%4TMKV^ADMVNS_?Z=-OLLMQDAD=8#20[*+Q/I@U<DB<_?\`HO\`
MM*[_`)/W?SK_`-'5]JK1X3^]^*_V,_\`G_\`G3_E_P"N_P!8[#^B]*>7%^,Q
MQ>27$CDN-MCO^GD7_P#;BG7TW`JO^T5TM;=+CZ@YESK+'_YS\B[_`+<619D=
M6%-/H'(-C&V>C-9_2#=^C=E;F?SO[/+;ZVV>COROT?\`/?H$,7]1X?9EB@Z&
MQM;B\8P(^SY(_1.?]ML?N9<S9Z_H?I+,?_"H<)[K?8S$:YM-17%/\OZSOY.)
MC9=8KR:VVL!#@UW$C3_J3L?^_7^C0W]+Z?8YSGT-)L^GS!ASKO<WZ/\`.66_
M]NV_Z18K,CK9M:;/6#_49O8UDL%^[:[''M/ZC]B_2OMW>EZG_:C[0KEO4^K-
MR[JVXP]*NZMC/T=CB:W?SE^]GZ)^UOZ7V?N?9OYVQ+A(V/XK?8S1],<@TU],
MZ&\?Y<3>/2^GEV[T&`SNT$"2=[G;6^W<]W\Y_I/H6>Q.[IN"X@NI;[0&@=H!
MWAL)NF/R+.GX[\HDY!K;ZVYNP[X_237^;[U:323W8)3R1D8\9/"2-)%__]/K
MV]<S]FYUK/4`D5[![G.:'Y-7[W^2'?SOY_\`@LC]+[TYZSF@EK\NNNN"W[06
M`@5LCT.H=F.KZBYWH,_P7_<7\]%'U@RS6;=E6UK6/+?=)%[190UIW?\`:7=^
MN._T7Z;]#_-J7[;SB_T0*&OW64^H_<&>I1M?=>[W>W'O:[95_H;/\)?ZBEK^
MJ'4X#_XG@/\`"C_>_P`W_P!4_E[2#]M]3G<'-+IW>ALU]6?3/2I'N]9E?ZU_
MI_\`"?T9&PNKY#\NNLY5>53JT/:T-]5I#W?:VN!.UM>2RO`]OZ/U;/\`26TI
MC]8LH--AKKV;!D;)._TB_P"S_9O_``WZOZ3]S_`>E_AD?%ZOENS&X]PI>`XU
M6.I)]SRRS)9;5N+OT+64^@[_`(?_`(K](B-#Z0MG`\$OU$!0EM*/IK_`_0_E
M_JZ-?6^H&MCGW,`<![]@`(>WU,JT3^;T=_Z.S_MO+_3*1ZUGP2,A@8!K9L!#
M0P!^->Z/S>KN_1U_]MXGZ5%K^L&8]C3LJ!(K!/N(G)9Z^.YON_F\5O\`2O\`
M3?SS/0_FTYZ]F"6[:=Q]1H<=P:#CM%N0]WN_FLEKOU;_`$/\Z_U_YM*OZH7&
M!O\`W/#_`!H_WK^3]W]9_+VEV]=R*</(R;`V\UOK:1(K;2^PQ;BWW?0_5/S[
M'?O_`*16<3K%N3U!N-Z;*J_TH=+B7.+14ZLU>UK/S[JW_P#"X]_I_P`PALZ\
M]F/9=?5ZAFHTUTR71?/IT6M,_IZMOZ96,;K#<K-&-540&^HVU[W-!#JQ18T-
M8TOW[F93-_\`HD"-_3^+!.&DS[`&DO5QZ1]$?T?ZKHI))*-I.5UKJ&7AV4#'
M@EP>X5D2;7M-3&8K/Y3Z[KK_`&>_]7_T/K+/_;.83M9FUOK^A]H#&P:G$[^J
M<[/3Q7C[/_W&]3WV+3ZMU2S`=7L8U[=C[;`9DM8ZFCTZO^$<_*8__K?I?X7U
M*ZG[:SQ9Z)^SN?Z@QM[=VWU;)=7D-;O_`*-6UOIV5[M_K_X:M21&@](;^").
M*)]F,M_63'6I?W)?+_+_`%=<=;Z@Z";F-L=#G4^G!:\`G'Q/<=V_JNWU*=_Z
M7_1?X--^V\\-W'(K)`):W9],N&_);SN_R1_AMOO_`,'D?I48?6#+<UM@;0&O
M:ZUK)<7!E,^O6>-UN3M_4W?Z/\Q_IISU_,#7/VT0P-<1+M1>W?C[73_VE_[6
M/_T?Z;]%_-IU?U0R^V?_`!/#_&A_=_S?_4_Y>ZQMZSFLJI-=K+'M;9M&V?M&
MU_ILM;L_[J;.I;*/YRKZ'Z!0_;&6/:_,8RO5GV@M;`J:6BOJO[GIY3G>A_W&
MW_S2L7]<RJ:66%E;C6VSUQ)&\LM.'NQ]7>G5Z@^T6;_5V4?]N)OVSGFST1Z#
M7^H[&WN#MHMK+?4R'-W_`-&L:[977NWLN_PUB%?U0M$-/YB&\M;CT.O^3_0_
ME_FT#.M=1<]F]S:RY[-U1;J+"_T?V9^]ZKJ/US_3?X7^BJW;]8'5Y=V/]G$4
MW5TRZP!T/YN=5M>]E3&_IM_\W]G99;O_`,&@L^L&2\L<*F-8_;;M,[A6ZW['
MZ'/]*]7]*UW_`*#^E_AU;?UZAF192:;2*[F8_J``--EA],!N]S-VVQS6_P#@
MG\V@1_5_%;/'KKRPV.D9\/">*'[O^*VNF9%N5T_'R+MOJVUM=8&3M#H][1N]
MS=KOS7*TJ_3\EV7@T93F"MU];;"P'<!N&Z-WYRL)AW+1R"IR%</J/IWX?ZK_
M`/_4ZEO]+H_X_JW_`%3U6N_Y*_\`:7TS_P`_/7A22G'3S'_2=R/S0_OP_P#=
MK(_0E?\`RA_[6W?^V953H_TNF?\`A5W_`+?8R\&20_L_[I9^A_@X_P#TGS#[
MV[^9J_XGK/\`Y_3'^C7?\1T?_P`_%>"I)?Q_[M<-O^J?^_C]`9/_`"!UW_P[
M=_U=2OT?\I8_Q=^7.7S@D@=CYG\F#)_-3_O9/_2.)^JDE\JI*)RWZ8ZM_3.E
M?^&S_P">,E<Q1_R6/_3)E_\`GQJ\.24L-OY?UG6Y/^:AYQ_/F7W[(_Y1R/\`
MP_TS_J:U'_M11_QO5_\`JW+P-)'^'_<,@^6/]S_WS??L'_O$_JG_`-L*E2O_
M`.2S_P"F3#_\^.7AR2(W'T_Z2^'SQ\\?_NQE?H6[_E`?^GIG_MDU2N_Y:ZG_
M`%:__;?(7SPDFC_N6N-A_P"<X_\`2F)^GNE?T)O]>W_SY8KB^54E&=RYN7^<
MG_>E^;__V?_M'!I0:&]T;W-H;W`@,RXP`#A"24T$!```````#QP!6@`#&R5'
M'`(```*MG``X0DE-!"4``````!#%,L85TH\$8XBDI7+(SZD5.$))300Z````
M``#E````$`````$```````MP<FEN=$]U='!U=`````4`````4'-T4V)O;VP!
M`````$EN=&5E;G5M`````$EN=&4`````0VQR;0````]P<FEN=%-I>'1E96Y"
M:71B;V]L``````MP<FEN=&5R3F%M951%6%0````!```````/<')I;G10<F]O
M9E-E='5P3V)J8P````P`4`!R`&\`;P!F`"``4P!E`'0`=0!P```````*<')O
M;V93971U<`````$`````0FQT;F5N=6T````,8G5I;'1I;E!R;V]F````"7!R
M;V]F0TU92P`X0DE-!#L``````BT````0`````0``````$G!R:6YT3W5T<'5T
M3W!T:6]N<P```!<`````0W!T;F)O;VP``````$-L8G)B;V]L``````!29W--
M8F]O;```````0W)N0V)O;VP``````$-N=$-B;V]L``````!,8FQS8F]O;```
M````3F=T=F)O;VP``````$5M;$1B;V]L``````!);G1R8F]O;```````0F-K
M9T]B:F,````!````````4D="0P````,`````4F0@(&1O=6)`;^``````````
M``!'<FX@9&]U8D!OX````````````$)L("!D;W5B0&_@````````````0G)D
M5%5N=$8C4FQT````````````````0FQD(%5N=$8C4FQT````````````````
M4G-L=%5N=$8C4'AL0'+````````````*=F5C=&]R1&%T86)O;VP!`````%!G
M4'-E;G5M`````%!G4',`````4&=00P````!,969T56YT1B-2;'0`````````
M``````!4;W`@56YT1B-2;'0```````````````!38VP@56YT1B-0<F-`60``
M`````````!!C<F]P5VAE;E!R:6YT:6YG8F]O;``````.8W)O<%)E8W1";W1T
M;VUL;VYG``````````QC<F]P4F5C=$QE9G1L;VYG``````````UC<F]P4F5C
M=%)I9VAT;&]N9P`````````+8W)O<%)E8W14;W!L;VYG```````X0DE-`^T`
M`````!`!+`````$``@$L`````0`".$))300F```````.`````````````#^`
M```X0DE-!`T```````0```!X.$))3009```````$````'CA"24T#\P``````
M"0```````````0`X0DE-)Q````````H``0`````````".$))30/U``````!(
M`"]F9@`!`&QF9@`&```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H`
M```&```````!`#4````!`"T````&```````!.$))30/X``````!P``#_____
M________________________`^@`````____________________________
M_P/H`````/____________________________\#Z`````#_____________
M________________`^@``#A"24T$"```````$`````$```)````"0``````X
M0DE-!!X```````0`````.$))300:``````-#````!@``````````````DP``
M`20````'`&0`<P!P`#,`-P`P`&$````!``````````````````````````$`
M`````````````20```"3``````````````````````$`````````````````
M````````$`````$```````!N=6QL`````@````9B;W5N9'-/8FIC`````0``
M`````%)C=#$````$`````%1O<"!L;VYG``````````!,969T;&]N9P``````
M````0G1O;6QO;F<```"3`````%)G:'1L;VYG```!)`````9S;&EC97-6;$QS
M`````4]B:F,````!```````%<VQI8V4````2````!W-L:6-E241L;VYG````
M``````=G<F]U<$E$;&]N9P`````````&;W)I9VEN96YU;0````Q%4VQI8V5/
M<FEG:6X````-875T;T=E;F5R871E9`````!4>7!E96YU;0````I%4VQI8V54
M>7!E`````$EM9R`````&8F]U;F1S3V)J8P````$```````!28W0Q````!```
M``!4;W`@;&]N9P``````````3&5F=&QO;F<``````````$)T;VUL;VYG````
MDP````!29VAT;&]N9P```20````#=7)L5$585`````$```````!N=6QL5$58
M5`````$```````!-<V=E5$585`````$```````9A;'1486=415A4`````0``
M````#F-E;&Q497AT27-(5$U,8F]O;`$````(8V5L;%1E>'1415A4`````0``
M````"6AO<GI!;&EG;F5N=6T````/15-L:6-E2&]R>D%L:6=N````!V1E9F%U
M;'0````)=F5R=$%L:6=N96YU;0````]%4VQI8V5697)T06QI9VX````'9&5F
M875L=`````MB9T-O;&]R5'EP965N=6T````115-L:6-E0D=#;VQO<E1Y<&4`
M````3F]N90````ET;W!/=71S971L;VYG``````````IL969T3W5T<V5T;&]N
M9P`````````,8F]T=&]M3W5T<V5T;&]N9P`````````+<FEG:'1/=71S971L
M;VYG```````X0DE-!"@```````P````"/_`````````X0DE-!!$```````$!
M`#A"24T$%```````!`````(X0DE-!`P`````$R`````!````H````%$```'@
M``"7X```$P0`&``!_]C_[0`,061O8F5?0TT``?_N``Y!9&]B90!D@`````'_
MVP"$``P("`@)"`P)"0P1"PH+$14/#`P/%1@3$Q43$Q@1#`P,#`P,$0P,#`P,
M#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P!#0L+#0X-$`X.$!0.#@X4%`X.#@X4
M$0P,#`P,$1$,#`P,#`P1#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#/_`
M`!$(`%$`H`,!(@`"$0$#$0'_W0`$``K_Q`$_```!!0$!`0$!`0`````````#
M``$"!`4&!P@)"@L!``$%`0$!`0$!``````````$``@,$!08'"`D*"Q```00!
M`P($`@4'!@@%`PPS`0`"$0,$(1(Q!4%181,B<8$R!A21H;%"(R054L%B,S1R
M@M%#!R624_#A\6-S-1:BLH,F1)-49$7"HW0V%])5XF7RLX3#TW7C\T8GE*2%
MM)7$U.3TI;7%U>7U5F9VAI:FML;6YO8W1U=G=X>7I[?'U^?W$0`"`@$"!`0#
M!`4&!P<&!34!``(1`R$Q$@1!46%Q(A,%,H&1%*&Q0B/!4M'P,R1BX7*"DD-3
M%6-S-/$E!A:BLH,')C7"TD235*,79$55-G1EXO*SA,/3=>/S1I2DA;25Q-3D
M]*6UQ=7E]59F=H:6IK;&UN;V)S='5V=WAY>GM\?_V@`,`P$``A$#$0`_`-VU
M]FVCWNUL?^<?^Y/2AX^:'D66"MD/=_.V?G'_`$O2//\`E+IW?5SI[@T$V0PE
MP]_=SZ+_``_TF'2F=]6>FO`:3;`<7?3[N=CV>'[V%2I>./XNO#G\`,;XM)2D
M?3^\\SG/L&-H]P_2V_G._P"XS_-2SGV"C*(>Z1NCW'3]4ZIYKI+?JSTVUGIO
M-L;G.T>9ES#0[_H.3V?5OIUC7M<;(LG=[_&N_&\/]'EVI&<:4.?P4!ZM`?T?
MZSS.998*[X>X?IC^<?\`1=4\_)&WV>F[WN_G<3\X][F^:W[/JUTVQKVN-L6.
MWN]_?;?7I_9S+E+_`)O=/VELV075N^GWJ=ZM?_31.2.J#SV`U\VAC^C^[PO,
MXEEAQL<E[C-6(3+CWR,">ZA399^S9WNG[$PSN/,XOFNHK^K?3JV-8TV0QM;&
M^_M4^J^OM^_C5IF_5GIK:?1!MV>D*?IZ[1LC^U^A8E[D;7??^7L_-\XE\OZ+
MS1?9]ER/>[^CYOYQ[,R/-/D661F>]WT.H?G'L>I1W\ETO_-KIVQ[)MBQEM9]
M_:X/9;V_X1VU)_U;Z<_U)-GZ47-=[_\`3^MZO;_NU;M0XXZ^2/O^#^MU_1_O
M//TOL-SO>[^>R_SCV?E1W0^DOL+L.7N,W8\RXG\W'\UTK?J]T]KMP-DEUC_I
M][2]UG_GUZ;'^K?3L<UFLV_H7,>V7SK6&-9/_;34?<B@\]@J8]7J&GI_O?\`
M?.3]47.=D>YQ(^S4Z$D_]ING+JUG].Z+A].?OQR\NV-K][I]K&4T-[#W;,6I
M:"BD;^QH\WEAER\4+KAB-=-E)))(-=22222E))))*?_0]522224I))))2DDD
MDE*22224I))))2DDDDE*22224I))))2DDDDE*22224__T?3CG80B<BH3Q[VZ
MP6L\?W[:F_\`7&)'/P1$Y%0F0/>WD%C3W_X6K_MRM<9:T;*-!_./_P#;KI2%
MD-'IL$#^=L[?\+T=2^V._6G3C\-A+A]9]4I1V_=>X=G8+1+LBH"2)+VC4#>>
M_P"[[DG9^"T%SLBIH!()+V@2`Y[AS^Y78_\`ZVN(SVM^R_1'\[;V_P"ZUBEG
M-`PLK0?SMW;_`+K=42]L=TCX;"@>,Z^#VKL[";.[(J$:&7M&L.=X_NUV?]MI
M?;<.)]>N)`^FWEQVL[_GN^BN*SVC;D:#6T=O^Z_4T7:/2=H/YW$[?\.U+VQW
M0?AT*'K.O#T_>X?^^>P&=@D`C(J(,$'>V"'%K&=_SWV,8W^ND,_!+=PR*BV-
MV[>V-ICW<_1]S5Q6&T?9L;0?S.'V_P"[/3T.EH_9G`_H-?;SQ4O:%[I_T;#7
MUG28AL]S]OP8)^T50T%SCO;H&SO<=?S=J1SL(`DY%0#=Q<2]NFR?5G7_``>Q
M_J+B"T#&S-!_1LKMY9*ED`>EE&.W4OR9J7MCOT4?AL/WSN>G@]J,W#)@7UDR
M1]-O+9WCG\W:Y)N=A/C9D5.W$!L/:9)C:!K^=N7'T-'K.T'\_E]OY>4A=(:W
M=A:#^>QNW\G&2]L=T'X=`"1XSZ?#^]_WKVK,["LCT\BI^[:&[7M,[@U]<0?S
MV/8YB89^`X2W)J(\0]O?YKC.D@;L0Q_A,'_VWZ>J^$QOV=WM'^"[?R6I#&#U
M3_HV'J]9T$>G[[W9S\$2#D5#;(=[VZ$%[73K^]5:W_K=BDS+Q7V>DRZMU@)&
MQK@72"YCO:#^:^JUO_6[%P^4T&[+T!]]O;_A^KK1Z2!_SB<8_P`)?_[<=70,
M!5WT)69/A\(0E(3)X09;=GK4E7R\P8QK:*WW67.VLKKVSH"][OTCJV;6-;^\
MJ[^M4-#G>C<6M%CB8;Q39]GO.USVO_1_SON_P?T/TWZ),HM*.*<@"!=[.@DL
MT]>PP=&O+2XM8[VAKB'OJ=Z3G/\`?M94_(=^YC?I?\(Q-9U[%JW>K5:S:'%T
MAF@8]U#W2+-OTJWN_E_\=954EPR[)^[Y?W"__]+T@]'Z60`<9D-)($=RZNT_
M^"8]+O\`K:1Z+TH@`XS(!+HCN34YQ_SL:C_MM8S,GK/IS.2;0/8/3,%Y;_E!
MK_T>W9BO_P"3_P#26?HZ?M5:<7]3DA]F6*((+V5ESQ0(^PWL;Z3W?:[[?9DU
M[/4]+^D4TJ3A/[S?]C./\OM_6G_+_P!#]#KOZ+TE[=C\6LMDF".Y;Z3O_`_:
MG=T;I;F.8[&86O)<X1R7-LK<?\R^YO\`UQ8YR.N[I!O]:9]/9^C^TSM=C;BS
M^@?9OTGK;_2W_P#:KUT;#OSQF5`/RK,<2&>O46[JB'S;?^BJ<V]N9Z-3/YO]
M5_2^EZ?JWI&)_>0<.<1)]^Z!-"4_P_[ETG]&Z6\.#\:LAYEPCD@65_\`47W?
M]N)_V1TR"/LS():3IW8=]?\`F.6)5D=9V,+W9)D:DUG<6EL]2<YK:_;;BW?T
M'_V7^TU)W9'5M??E!@&I%9+@T`'ISV--?NNRK?Z<W;_X8^S5I<)_>3[&:Z]_
M_G3_`)?^O/U;LMZ-TMC0UN,P!H:T`#LQS+:Q_9LIJ=_83#HG20STQBU[-@KB
M/S!M]G_@;%0;F=7HP\BYM;[;0^L.%K'$,>X_K;:*ZVLNOQ*?;Z+J_4_XZU6,
M3-ZE=U!K+ZS50/5;`J?M?I4ZE_JO_F]KOM-?_"^EZO\`AZ$*EW_%C,,XXC[N
MD;-\<OT8\:?]B]*AP&+6`]KF.TY:_=ZC?[6]Z<]&Z6[=.,SW^H':<^KO]?\`
M[<]6Q74DVSW8/>R_YR7^-)ICI'3`=PQF3+G3'=^XV'^UZCTU71NE5%AKQJVF
MLM<R!P6[0QW]G8Q5^M6]1KMQ_L6\N(>6M8V6NMFH5UY#OS*?0=E.]SJ_H?Z7
MTEGF[J/#+<ST![18ZIP><8D^ODG]"UWVVNS]'2S9Z_V?]+]F_P`*G`$B^)L8
M\>:<!+WJ$NAE.]W8KZ/TNHL->,QIK+"PQP:VLKJ_S&55J+.A](8W:S$K`,2`
M/#1JR?7ZR0-SLD6N@V-%?M%H!^Q5-+:]OH9+=KL_W^G3;[++<9(9'6`TD.RB
M\3Z8-7)(G/W_`*+_`+2N_P"3]W\Z_P#1U?:JT>$_O?BO]C/_`)__`)T_Y?\`
MKO\`6.P_HO2GEQ?C,<7DEQ(Y+C;8[_IY%_\`VXIU]-P*K_M%=+6W2X^H.9<Z
MRQ_^<_(N_P"W%D69'5A33Z!R#8QMGHS6?T@W?HW96YG\[^SRV^MMGH[\K]'_
M`#WZ!#%_4>'V98H.AL;6XO&,"/L^2/T3G_;;'[F7,V>OZ'Z2S'_PJ'">ZWV,
MQ&N;345Q3_+^L[^3B8V76*\FMMK`0X-=Q(T_ZD['_OU_HT-_2^GV.<Y]#2;/
MI\P8<Z[W-^C_`#EEO_;MO^D6*S(ZV;6FSU@_U&;V-9+!?NVNQQ[3^H_8OTK[
M=WI>I_VH^T*Y;U/JS<NZMN,/2KNK8S]'8XFMW\Y?O9^B?M;^E]G[GV;^=L2X
M2-C^*WV,T?3'(--?3.AO'^7$WCTOIY=N]!@,[M!`DG>YVUOMW/=_.?Z3Z%GL
M3NZ;@N(+J6^T!H':`=X;";IC\BSI^._*).0:V^MN;L.^/TDU_F^]6DTD]V"4
M\D9&/&3PDC21?__3Z]O7,_9N=:SU`)%>P>YSFA^35^]_DAW\[^?_`(+(_2^]
M.>LYH):_+KKK@M^T%@(%;(]#J'9CJ^HN=Z#/\%_W%_/11]8,LUFW95M:UCRW
MW21>T64-:=W_`&EW?KCO]%^F_0_S:E^V\XO]$"AK]UE/J/W!GJ4;7W7N]WMQ
M[VNV5?Z&S_"7^HI:_JAU.`_^)X#_``H_WO\`-_\`5/Y>T@_;?4YW!S2Z=WH;
M-?5GTSTJ1[O697^M?Z?_``G]&1L+J^0_+KK.57E4ZM#VM#?5:0]WVMK@3M;7
MDLKP/;^C]6S_`$EM*8_6+*#38:Z]FP9&R3O](O\`L_V;_P`-^K^D_<_P'I?X
M9'Q>KY;LQN/<*7@.-5CJ2?<\LLR66U;B[]"UE/H._P"'_P"*_2(C0^D+9P/!
M+]1`4);2CZ:_P/T/Y?ZNC7UOJ!K8Y]S`'`>_8`"'M]3*M$_F]'?^CL_[;R_T
MRD>M9\$C(8&`:V;`0T,`?C7NC\WJ[OT=?_;>)^E1:_K!F/8T[*@2*P3[B)R6
M>OCN;[OYO%;_`$K_`$W\\ST/YM.>O9@ENVG<?4:''<&@X[1;D/=[OYK):[]6
M_P!#_.O]?^;2K^J%Q@;_`-SP_P`:/]Z_D_=_6?R]I=O7<BG#R,FP-O-;ZVD2
M*VTOL,6XM]WT/U3\^QW[_P"D5G$ZQ;D]0;C>FRJO]*'2XESBT5.K-7M:S\^Z
MM_\`PN/?Z?\`,(;.O/9CV77U>H9J--=,ET7SZ=%K3/Z>K;^F5C&ZPW*S1C55
M$!OJ-M>]S00ZL46-#6-+]^YF4S?_`*)`C?T_BP3AI,^P!I+U<>D?1']'^JZ*
M222C:3E=:ZAEX=E`QX)<'N%9$FU[34QF*S^4^NZZ_P!GO_5_]#ZRS_VSF$[6
M9M;Z_H?:`QL&IQ._JG.ST\5X^S_]QO4]]BT^K=4LP'5[&->W8^VP&9+6.IH]
M.K_A'/RF/_ZWZ7^%]2NI^VL\6>B?L[G^H,;>W=M]6R75Y#6[_P"C5M;Z=E>[
M?Z_^&K4D1H/2&_@B3BB?9C+?UDQUJ7]R7R_R_P!77'6^H.@FYC;'0YU/IP6O
M`)Q\3W'=OZKM]2G?^E_T7^#3?MO/#=QR*R0"6MV?3+AOR6\[O\D?X;;[_P#!
MY'Z5&'U@RW-;8&T!KVNM:R7%P93/KUGC=;D[?U-W^C_,?Z:<]?S`US]M$,#7
M$2[47MWX^UT_]I?^UC_]'^F_1?S:=7]4,OMG_P`3P_QH?W?\W_U/^7NL;>LY
MK*J37:RQ[6V;1MG[1M?Z;+6[/^ZFSJ6RC^<J^A^@4/VQECVOS&,KU9]H+6P*
MFEHKZK^YZ>4YWH?]QM_\TK%_7,JFEEA96XUML]<21O++3A[L?5WIU>H/M%F_
MU=E'_;B;]LYYL]$>@U_J.QM[@[:+:RWU,AS=_P#1K&NV5U[M[+O\-8A7]4+1
M#3^8AO+6X]#K_D_T/Y?YM`SK747/9O<VLN>S=46ZBPO]']F?O>JZC]<_TW^%
M_HJMV_6!U>7=C_9Q%-U=,NL`=#^;G5;7O94QOZ;?_-_9V66[_P#!H+/K!DO+
M'"IC6/VV[3.X5NM^Q^AS_2O5_2M=_P"@_I?X=6W]>H9D64FFTBNYF/Z@`#39
M8?3`;O<S=ML<UO\`X)_-H$?U?Q6SQZZ\L-CI&?#PGBA^[_BMKIF1;E=/Q\B[
M;ZMM;76!D[0Z/>T;O<W:[\URM*OT_)=EX-&4Y@K=?6VPL!W`;ANC=^<K"8=R
MT<@J<A7#ZCZ=^'^J_P#_U.I;_2Z/^/ZM_P!4]5KO^2O_`&E],_\`/SUX4DIQ
MT\Q_TG<C\T/[\/\`W:R/T)7_`,H?^UMW_MF54Z/]+IG_`(5=_P"WV,O!DD/[
M/^Z6?H?X./\`])\P^]N_F:O^)ZS_`.?TQ_HUW_$='_\`/Q7@J27\?^[7#;_J
MG_OX_0&3_P`@==_\.W?]74K]'_*6/\7?ESE\X)('8^9_)@R?S4_[V3_TCB?J
MI)?*J2B<M^F.K?TSI7_AL_\`GC)7,4?\EC_TR9?_`)\:O#DE+#;^7]9UN3_F
MH><?SYE]^R/^4<C_`,/],_ZFM1_[44?\;U?_`*MR\#21_A_W#(/EC_<_]\WW
M[!_[Q/ZI_P#;"I4K_P#DL_\`IDP__/CEX<DB-Q]/^DOA\\?/'_[L97Z%N_Y0
M'_IZ9_[9-4KO^6NI_P!6O_VWR%\\))H_[EKC8?\`G./_`$IB?I[I7]";_7M_
M\^6*XOE5)1G<N;E_G)_WI?F__]DX0DE-!"$``````%4````!`0````\`00!D
M`&\`8@!E`"``4`!H`&\`=`!O`',`:`!O`'`````3`$$`9`!O`&(`90`@`%``
M:`!O`'0`;P!S`&@`;P!P`"``0P!3`#8````!`#A"24T$!@``````!P`(````
M`0$`_^$07FAT='`Z+R]N<RYA9&]B92YC;VTO>&%P+S$N,"\`/#]X<&%C:V5T
M(&)E9VEN/2+ON[\B(&ED/2)7-4TP37!#96AI2'IR95-Z3E1C>FMC.60B/SX@
M/'@Z>&UP;65T82!X;6QN<SIX/2)A9&]B93IN<SIM971A+R(@>#IX;7!T:STB
M061O8F4@6$U0($-O<F4@-2XS+6,P,3$@-C8N,30U-C8Q+"`R,#$R+S`R+S`V
M+3$T.C4V.C(W("`@("`@("`B/B`\<F1F.E)$1B!X;6QN<SIR9&8](FAT='`Z
M+R]W=W<N=S,N;W)G+S$Y.3DO,#(O,C(M<F1F+7-Y;G1A>"UN<R,B/B`\<F1F
M.D1E<V-R:7!T:6]N(')D9CIA8F]U=#TB(B!X;6QN<SIX;7`](FAT='`Z+R]N
M<RYA9&]B92YC;VTO>&%P+S$N,"\B('AM;&YS.G!D9CTB:'1T<#HO+VYS+F%D
M;V)E+F-O;2]P9&8O,2XS+R(@>&UL;G,Z9&,](FAT='`Z+R]P=7)L+F]R9R]D
M8R]E;&5M96YT<R\Q+C$O(B!X;6QN<SIX;7!-33TB:'1T<#HO+VYS+F%D;V)E
M+F-O;2]X87`O,2XP+VUM+R(@>&UL;G,Z<W1%=G0](FAT='`Z+R]N<RYA9&]B
M92YC;VTO>&%P+S$N,"]S5'EP92]297-O=7)C945V96YT(R(@>&UL;G,Z<W12
M968](FAT='`Z+R]N<RYA9&]B92YC;VTO>&%P+S$N,"]S5'EP92]297-O=7)C
M95)E9B,B('AM;&YS.G!H;W1O<VAO<#TB:'1T<#HO+VYS+F%D;V)E+F-O;2]P
M:&]T;W-H;W`O,2XP+R(@>&UP.D-R96%T941A=&4](C(P,34M,#0M,S!4,#DZ
M,3`Z-34M,#4Z,#`B('AM<#I#<F5A=&]R5&]O;#TB4%-C<FEP=#4N9&QL(%9E
M<G-I;VX@-2XR+C(B('AM<#I-;V1I9GE$871E/2(R,#$U+3`U+3`R5#`U.C(R
M.C4Y*S`U.C,P(B!X;7`Z365T861A=&%$871E/2(R,#$U+3`U+3`R5#`U.C(R
M.C4Y*S`U.C,P(B!P9&8Z4')O9'5C97(](D%C<F]B870@1&ES=&EL;&5R(#$P
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M,S(B('!H;W1O<VAO<#I#;VQO<DUO9&4](C,B/B`\>&UP34TZ2&ES=&]R>3X@
M/')D9CI397$^(#QR9&8Z;&D@<W1%=G0Z86-T:6]N/2)C;VYV97)T960B('-T
M179T.G!A<F%M971E<G,](F9R;VT@87!P;&EC871I;VXO<&1F('1O(&%P<&QI
M8V%T:6]N+W9N9"YA9&]B92YP:&]T;W-H;W`B+SX@/')D9CIL:2!S=$5V=#IA
M8W1I;VX](G-A=F5D(B!S=$5V=#II;G-T86YC94E$/2)X;7`N:6ED.D,W-C<V
M0T5&-4-&,$4T,3$X-D$Q.#@Y.#DR144V1$8U(B!S=$5V=#IW:&5N/2(R,#$U
M+3`U+3`R5#`U.C(R.C4Y*S`U.C,P(B!S=$5V=#IS;V9T=V%R94%G96YT/2)!
M9&]B92!0:&]T;W-H;W`@0U,V("A7:6YD;W=S*2(@<W1%=G0Z8VAA;F=E9#TB
M+R(O/B`\<F1F.FQI('-T179T.F%C=&EO;CTB8V]N=F5R=&5D(B!S=$5V=#IP
M87)A;65T97)S/2)F<F]M(&%P<&QI8V%T:6]N+W!D9B!T;R!I;6%G92]J<&5G
M(B\^(#QR9&8Z;&D@<W1%=G0Z86-T:6]N/2)D97)I=F5D(B!S=$5V=#IP87)A
M;65T97)S/2)C;VYV97)T960@9G)O;2!A<'!L:6-A=&EO;B]V;F0N861O8F4N
M<&AO=&]S:&]P('1O(&EM86=E+VIP96<B+SX@/')D9CIL:2!S=$5V=#IA8W1I
M;VX](G-A=F5D(B!S=$5V=#II;G-T86YC94E$/2)X;7`N:6ED.D,X-C<V0T5&
M-4-&,$4T,3$X-D$Q.#@Y.#DR144V1$8U(B!S=$5V=#IW:&5N/2(R,#$U+3`U
M+3`R5#`U.C(R.C4Y*S`U.C,P(B!S=$5V=#IS;V9T=V%R94%G96YT/2)!9&]B
M92!0:&]T;W-H;W`@0U,V("A7:6YD;W=S*2(@<W1%=G0Z8VAA;F=E9#TB+R(O
M/B`\+W)D9CI397$^(#PO>&UP34TZ2&ES=&]R>3X@/'AM<$U-.D1E<FEV961&
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M/"]X.GAM<&UE=&$^("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@/#]X<&%C:V5T
M(&5N9#TB=R(_/O_N``Y!9&]B90!D0`````'_VP"$``$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$"`@("`@("`@("`@,#`P,#
M`P,#`P,!`0$!`0$!`0$!`0("`0("`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`__``!$(`),!)`,!$0`"$0$#$0'_
MW0`$`"7_Q`&B````!@(#`0`````````````'"`8%!`D#"@(!``L!```&`P$!
M`0````````````8%!`,'`@@!"0`*"Q```@$#!`$#`P(#`P,"!@EU`0(#!!$%
M$@8A!Q,B``@Q%$$R(Q4)44(6820S%U)Q@1ABD25#H;'P)C1R"AG!T34GX5,V
M@O&2HD14<T5&-T=C*%565QJRPM+B\F2#=).$9:.SP]/C*3AF\W4J.3I(24I8
M65IG:&EJ=G=X>7J%AH>(B8J4E9:7F)F:I*6FIZBIJK2UMK>XN;K$Q<;'R,G*
MU-76U]C9VN3EYN?HZ>KT]?;W^/GZ$0`"`0,"!`0#!00$!`8&!6T!`@,1!"$2
M!3$&`"(305$',F$4<0A"@2.1%5*A8A8S";$DP=%#<O`7X8(T)9)3&&-$\:*R
M)C495#9%9"<*<X.31G3"TN+R565U5C>$A:.SP]/C\RD:E*2TQ-3D])6EM<75
MY?4H1U=F.':&EJ:VQM;F]F=WAY>GM\?7Y_=(6&AXB)BHN,C8Z/@Y25EI>8F9
MJ;G)V>GY*CI*6FIZBIJJNLK:ZOK_V@`,`P$``A$#$0`_`+DLOO7>RX+YWU"[
MVWFLN(^'O\P>NQ)&[-P!<5D,)\\OD%BL-D<;&,CXJ#(XG%44-)35$02:"EA2
M%&6-5432UG:Z>6D^F32^X6(;M%2&L(&85XT+$FE:5-1UV$LN7>73N/W:83R[
MM^B?G[DA)?\`%H*R)-R9LDLL<A\.KQRRN\LB,2CR,TC`N2>@VZ*WYORL[5ZR
MCJ]][WJ8:CXI_P`FW(U$%1N_<4U//7[G^2OQWH=RUTU/)DFADK-Q453-#72L
MI>KAGE24NLL@9JXL[51N8%NM!)?@8X:(+\K^8(&>)TK6ND4%/N1RSRS!R;SD
M\'+6W(Z<Z>Z:*5MH`P2WV#?GMT#".H6!U5X5!I&R(R`%$(CY[?6_(?Y?_P`Y
M,G'OW?0RN(^)WPBR>*RQWGN9LMC,CD?D3\@J7)UU!E'RC5]'5Y2DH88:J2.1
M6J8(DCE+(H4/[E:6IWG:E%L@5I]Q!`4`4%I"5X4II))4C(.00:=*+'EKEF3[
MSWW<[-N6=M^BGYWYPCDC^EMQ')''L6R-&CQB/0RQL[O&"I$;LSII8D]+/:&]
M]\3_`"Q^1&+FWQO5\;CNX?Y?4%#0'=VXOM*6GS/P8^063S%/#3C)")*;+92D
MAJJJ,#145,,<L@:1$85-G:KLUI,+9/$:*^J2`?ANK0+0'`H"0*4XGU/0?WOE
MSER+V1]J[U.7-O%W-L/.Y=_IH-3-%SAL<<3$^'75%&SQQMQ2-W12%9@0O[3W
M[OZ#^7[V[E(-_P"_(,M2]H_RT*2FR\.]=SQ9>GILY\/?C77YN&#*1Y5:^)<S
MD<C/4U>F0?<U,SS2:I&+>U36=I_67:T^FCT'ZLD:10Z=RD`QPH%`6G#352*$
M@C+D[ECE>3[T7(EE)ROMC6+[/S\S1&TMS$S0\U;\D),9CT'PHXTCCJO9&JQK
M1!IZ4VXM\[[CRGSX,>_-])_!?E5_,WHL0J;RW*J8NAPWP0[=R^$H,>@R@2CH
M,'EHTJJ&",+%1U$4<D*H\:,J?;[2U9]H#6T9#V^V5[1^*XM%:GIJ%=5*5JQ-
M2QJ3[/RWRT]K]V8/RUMI^HY+]O7EK:V]9'EYQVJ*9W/AU9YHB8YG-6E1G60L
MKL"(W:^]=[46`Z9:EWKO.%J[^>MMC:M6Z[LW!KJ-JS8K#-+M:5CD2S;:9KG^
M'W^S!)(CY-TT=I:R->:K=.WEH.*`#O$GQ8I4^I-:^=>@IR5R[R[<[KS^L_+V
MWLL?W;+BY4?3046Y$LM+@`1_[D?\._M>'=@=`_U1OK?E3C]GM4;^W[,7^97R
M1QTADWMNE_)CJ#YP_P`O[%46.EU98^3'TF+R5531P->)*>LJ(PH2HF#K8[2U
M$5]_BT9_Q4'*@Y,.YGS'J%IZ:5`H%%!WSERURS#<;^(N6-L4#D'8I!2TM\2/
MRCSO*[C]/#M)'%(7'<7BB:NJ*,J(,.]]\)F/Y3].-\;U,6XMN?S-WW`'W=N*
M1\\^#H=_/@WS4LF2:7*R81D7[-IVD-*$41:`HLS=6=JS\XO],@,<^W::``#4
M@U8%!GSQQSQZ#$O+G+;67WVYCRYMP>TO/;X04M8`(1,UD)A$!&!&)JGQ0@`D
MJ2^HDU27QCWSOO(=.?%2HK]^;ZK*BNVM\+JBNJ*K>>YIYZZ;*]]?S%:;)M6S
M295I*L9&EQ%'#.LA99H:.GC<%((E2TUI:HMY2V3$=P,J#PM=N(.0<U9C7C5B
M2:D]'7N]RWRU:\]^]$5MRSML<45YS6J!;2W`01[+R(T>@".B^&TLK(5H5>65
M@0TCEN7;>_=^T^.^-,U/OO>T$E;_`"#NQ=WUI@W=N&$5N[:?IC)54&ZJM(LD
MB5.Y8JIO**]PU7Y%5O)J52$\5E:'<MRC-NN@<PR(!3\'U%L-/Y#`\P"U*:FK
M3DCECEF2^]WHI.6MN9(_O-65JE;:`Z+9MVA4VRDI58"HT^"*1Z21IHS`QEWY
MOT]!X:O_`+^[Z%;/\=]AULM4-Y[F$YK)?Y+O>^Y):M91E-4=5+N6DBR32*0[
M9&)*HDSHL@-(;*S^O2/Z6/0+IQ\(X?OB!,FE3VDKFN#3I6>6>6![F[A:_P!6
M-M^G7FJ\0+]+;TT#W8V:W"D>'E1;LUN%-0(&:$#PV*EN^;F_-_8OL7Y908S?
MV^\;!C?Y3O06X<?#C]Y[FHH:'<%5WATA356=I(J7*11T^9JZ622*6J4">6*:
M5&8K+(&*MKM+5]O1F@0LVXSK6GD(+X@#TH:$$4-54U[5H[]WCEGEB]Y2]E)+
MSEG;9I)O>W>H'+VMNY>!=GWEEA8M&28E8*RQGL5D1E`*(57/>N]-\4V&[:%+
MOO?5(8<9\AF@>DWINBEDIVH^H_Y5$]&U-+3Y6.2G-'49VODBT%?%)7U3+9JB
M8N9[3:VC3;>6M8CW6_%%(-9MTK44IG2H_P!J/0=$/MKR]RY+N/(QFY:VU]4V
MQA@UI;L&U[I[D!]0:,AM2PPJU0=2PPJ:B*,*F?G=OW?N-[H_FN4>,WYOC%TN
M`W[_`"VX,!3XO=^X\;#@8<]'BES<6#CH<E`F(CR^LFI%.(Q.QN]SS[*]BL[5
MK3D=V@4M(DQ:H^+3<O2HX<,'^(8:HQT9?=LY8Y9N_;_[DEQ><M;=-/=;9SV9
MVDM8)#,87E\$S%XV\4Q4`37JTC`H,=#OG]X[RC[GQT2;SWBL#?(G)X]J4;KW
M!]F:$_SK\)MC[,T?\1^U-,NV'.,5-&E<<?M0!!^W[=BM+4[8U;:.OT@:ND5K
M^YB]:TK\?=QR<GJ.MJV#E]_;V[=^7[`R#E2-]7TT&O7_`*TDUSJU^'JU?4`7
M!-:F?]8_J=W0!;\W]OZF^179M'!OS>\5''_/7^,&THJ-=W[B%)#M3(8+L::O
MVQ!2_P`2\$&W:V1$,M"BK2R"-`R$(@#=E96C[;(S0+J&QROP_$([.A_F33@2
M6)%6),D\L<K\L3>U/*=Q+RUMS7!^[;S#=%C;0:C<QR[>$N"WAU,Z`G3*29!J
M8AJLQ([_`!(W?O*K[]^/-)7;TWGD:2O[FZXI*VDR>[=Q9*EJZ63XT?/3(2T]
M33UV2J(9H)Z_$TDTBLI5Y:2%V!:*,J[S#:VPVK=G6VC5EMI""%49^HL1Y`>3
M,!Z5/4=>^FP\OP>V'NI/;<O;?%/%R]?NC1VT$;*PY@Y,C#*R1J00DLJ*0:A9
M)`*!VJ2?JCL;L:8?$Z*?L7L"=,IVE_.#ILEY][[HF>OI]L]'X:?;<-7++E7D
MJ(]OU),M"&)%),S21:78L5K6-GHW=_IDU)+8TQCONK@,*<""*"A%``````!D
M%SIRERG'_KVO'RIM:M#L_M>T=+2W`0W&\SK<%0(P`9UHLM!^H@"/50`#[]';
MLW?5]\[(I*O>.\*JD_NGW;JI*G=>X)Z65H/Y;G\OG-4\M13RY%H:F:ES67K*
MV*216>*LK)YT(EFD=BW=+:V3:KQEMXPQD@SI'_1QOUQC`*JH(%`0`#PZQH]Q
M]CV&#VQYCG@V"P2?Z_:.Y;:`,*\^\[PL%81U4-#%%$RJ0&BBCC8%(T45O]2=
ME=E5G1G0%;5=D=ASUE9_+*_F!9RKJI-\[I:HJLWA>\NWZ3#YJHE.6US9?$TD
M4<5-5,3/!'%&J,!&@4WGL+)-]6);9/#%]:K0BN&BL20:UK4D\<C4U*:FKECS
MSRARA;^Y7N7;P\I;6MO'[O\`)4*J+2WTK#-M&TO+$!X=!%(Q9I(QV.S.6!+M
M6QR7=>[AO+YUH-Y;R\>-^,'\W.MQD?\`>W<7BQ5;@ODG14F`KL5%_$_'C*[;
MU&3!CIH!'+00'QP-&GI]E/T]N;;E7_%HZM?;2#VKD-;$L#C(8Y8'XCDU/6*,
M>R;$=@^[6QV#;]4W.7MBDA^F@K(DVP.TZ2'PZR)._?.CZEF?OE#-GHF^SM_]
M@U&1ZV$W8._W6?\`EF?`K.SK_??=*K-G,Q\W^CL=ELS,$RRB7+93&324M14M
M>::EFEA=C%+(C*+&TM5CF_Q=#2^F7(#86RO".-?.A)XDA222HI/.]<K\K16?
M-Q3E;;*K[O\`.,(_Q2W-(8N4-XDBB%8S2..0+(B#M614D`#HK#;U]PIUPFZ]
M[]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7
MNO>_=>Z][]U[K__0MLS'_'M_S`/_`!33^8W_`/#`?D9[G$\>5O\`I8;?_P!V
M^WZ[.6/_`"5ONO\`_GP>0_\`R2=BZ#'H'_F;'5G_`(J/_)1_^"?^./MNZ_Y:
MW_-7<?\`M'W#H6>YO_*E\[?^+Q[L_P#DO<P=8MQ?]N\OGK_XJ!\%O_@D/D;[
M>W'_`)+6S?\`/3N7_:'!T]MW_B4WW:/_`!>^<O\`NP;%TM=E_P#97_R6_P#$
MS?RZ/_@"_D3[T_\`R0;#_FEN'_:7:=!_?O\`IQ'M%_TH.>__`"<]AZ"OMC_M
MW?W)_P"):_E>?_`9_%_VI;_E:-I_TMY_W<YNAIR7_P")5^W_`/TI/<+_`,FS
MF'I4;E_XN?\`,+_\6S_FD?\`P`'<'M/MO]IL?_/-M7_:39]$NR_[B_=:_P#%
M(]NO_)TVGH2>X?\`CWNC_P#QOGM/_P!U.&]IH/BO_P#Q5Q_U<Z"7(G_)6]QO
M_;8KG_J[+T#G47_%MV;_`.+K_)S_`.#Q_EY>UJ_V5]_SR#_JQNG0]YW_`-R>
M8?\`SWNP?^2=SUT(:?\`%^_E#_\`AM?S2_\`W7]@>V;CCSO_`,U]L_XYT%Y/
M^2;]^O\`Y[?;G_C]ETD?BO\`\R6^)7_AG_!__P""`_F2^[7'PWW^DN?^T3;.
MCSWE_P"5^][_`/GNYO\`^[)R#UP[@_XM/Q@_\=[>R_\`WR.0]LQ?\E;=/_%E
MD_[2;?K7(O\`R4?>3_VZ6Q_[O$76!/\`LGC`?^*V]?\`_P`)#[_]FD/_`"4A
M_P`];_\`=ZM^E1_Z>IN?_BVWO_IW=DZ;OG5_S,KY?_\`C(7X]_\`O]NCO91M
M/_)-A_Z6=Q_VCWW3OW;_`/E3_8O_`,_IOG_=FWGI?]]_\6?M[_M5?(__`-\]
M_*3]F>T?VNW?Z:W_`.KV[=!WVQ_Y*'(?_-?8?^[K[F])/Y]?\SP_FY?^)"_E
MB_\`0F(]EFP_[A<@_P#-.?\`[27Z-ONR?].Z^XM_TJO<#_CTO0_[C_YG5C?_
M`!97(_\`P\O!>W(?^28W_/$/^[&W4:[/_P!.\O/_`!4(_P#TSTW1=^P_^RD^
MS_\`QOO\5/\`WG>R/==O_P"27+_XK\O_`!RSZD_E/_ITG*/_`+;'S'_U>V_H
MP?Q!_P"RA?C=_P")NZU_^!<_F">[<Q?\DC>?^>63_M)L.HS]^?\`IU?NW_XK
MFX?^3%R1T1?J3]?Q`_\`$L_SG_\`WQ6&]F#?V6]_\U=O_P"TNYZR-YV^#WW_
M`.E+[5?]WF?JPKH;_LH'9/\`X:?>7_PLK^73[*MV_P"21=?Z>#_NY[CUBY[F
M?].MYC_Y[MG_`/3@\]]5D]-_\R#^._\`XRV_F*_^_P"NXO9Y<_\`*PC_`*6%
MG_U9L.LON?O^GH^Z/_GY>1O^[-M'5F<W_'Z?/?\`\58_G#__``35%[(Q_N-R
MG_SW[1_VC'K$*/\`Y5_[L?\`XNOM;_Y+[]$IV/\`\7+K'_QEO_+Y_P#@Z^B_
M:JS_`+.?_I83_P#:#>=9![]_N%SC_P"?EYU_\DW>>MR#W!G7`KKWOW7NO>_=
M>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KW
MOW7NO__1VZ*K^7)UI54G=-&_8'8*P]W=4]Y]2YY5_NU_N(Q'?'=>^>\-Q9;#
MWP9;^*X?/;\J**B\YEA^RAC\J/+JD87'G"^*[>OTT5;>>&53W5)A@2!0<TII
M0$XK7SICK*R'[V?.$,WM[.O*^UF3EW>]GW.$_P",?JR[-M%GL\$4OZU/"EAL
MXY9=`5_%9]#*E%"?V9_+"ZJV5N;;NYZ#L;LBJJMM]:?$[K&EI:O^ZWVL^)^(
MW86P>Q=F5]1X<!'-_$-S9/K^G@RFEQ']O4S>!8GT,E'YMOG%R&@C_5,Q/'!G
M2=&IGTG:GS5?G4QW_P"^-SKS!M&[;1<\J;2D-WNW,FX,R_4:EDYFL;ZQNT6L
MQ&BWCOG>WJ"VN./Q"ZZ@V.L_E?=5UO1W<G14O9797\`[IZRZ<ZNSN;']U/XW
MBL1TQO[?/8&%R&)_W[PQW\1S.0WY4T]9YH9(_MX8_$L;ZF+ESSC?7-W;W9M8
ME>-[A@!JI6XB2)N)/PA`5^?&HQTY%]\KG6'W%Y"]R$Y1VC]Y\O[QNNXPP_XS
MX,DN[65G8S))^OKT1)91O%I=6UL^LLM%#OB_Y:W6&*[-WUVA!V'V(^7W]NOH
MS=N3H'_NQ_#Z6KZ'Z9WUTKMZDI+8'[C[3-8/?E165NIV?[R"+Q-'%KC;7]<+
M[Z5+0VT1C59@/BQXTD4K>?D8@!6N"?ETAN_O=\Y7G)_+?)LG*NU"PVRRWBVC
M<?4:V7>=UL]VG9OUM.J*:R2**@`\)WUAGTL$WN3^5AU/N7HS=/1%5V;V=3X#
M=>XOCUN2LSM/_=+^.T]9\=.J.O\`J3;,=-Y=NR8[PY[$==TM77ZH"?NYI/#X
MX],8</.E^=QM]Q^EB\2/Q:#NI26X:X8<:TU,5&:Z?.N>C?:OOI<\;3[D;+[E
MP\G[.VYV-KO<"0M]3X++ONYWNZ7!:DXDK#+?210T<?I*FO6]6+CD/Y875F0J
M>[*F7LGLF-N\NR_D7V=N!(_[JZ,3E/DATMNOI+<N-Q&K;Y?^&[=P.[):O'>8
MR3?>0Q^=Y8]:-2#G&^MS;,MK$3$ELHKJX6SQ.OG^(Q#5_IFI3%$EI]\?G6SB
M]O(DY2V@CES:-BV^`GZFLD>P;K:[M;R2_K_VD\UJL<^G2OA._AJC:6"@W+_+
MCZSW/0[3H:WL#L&*/:/S/Q_S8H7A_NUKGWUCJ:CI8=H5&K!E?[GLE&"=(%==
MC^_]+-_UMO09"MO&-6WBT-*_`&U:LD]Q\_+Y=%>T_>SYPV>YWNZM^5]K+WWM
M\_*3@_44%F[,QNE_6_W*JQ&?T:`?I\>DEMK^5MU3MB'$P4?9O9TR8CMG?_;L
M7G_NC>;,]A=Q]%]T9/%S:-N+_N*HLYT/04D&G3-]I7U6IVD\+Q/)SG?*DR?2
M0G7'HSJP-%RF*,.`N6_WA*U[JGFZ_?/YVW9[YY^3]G4S[)9;8:?4XBLMKWG:
MHY!6?^T:'>II'K5?%@@HH7Q%=_C_`):O6"5/QEJCV'V(\OQ=Q_R)QVTF?^[%
M]Q1_(^+.0[GDW'IP*KY,`F=?^'_:B`?MKYA)S=N7G"^E?=6^FB`NW@9@-5`;
M==*@5)-#Q.>/#HL?[WG.3Q>\$7]5=J"<Y2[%)<@?4?H'83";<05F)I-X(\?Q
M"_Q-X>C%&KKO^6!U7UQM3K3:6+[)[*KJ/K''=1XW%5-=_=3[G(P=/;W[[WSA
M#D?!MZ*+5E*[Y`9&"K\2Q_L4%+X]#^9I+'G&^995:UB.M74_%^.*WB)X\:6Z
MGTJS8I0!;S1]\GG7FK>>;M[O>4=HCGWB7<WD5/J=*'=+/9;.;PZSD_IILD#Q
MZBW?--JU+X:ISW1_+!ZJW5#U[!5]C=CTT?77PESOP;Q@IO[KVK]@9_:55M"I
MWA7^7`R'^^45%4^5/&4H?*BW@TW!:7FV^6XGN!!'KDOFNCQ^-I(Y*<>`,8`^
M3&M<4IL_WQN=MFEYIF@Y4VEWW7W$BYODU?4=E[#=)=+:I28?XJ732=59=+']
M2M",!_E=]5'9-+L8=E=EKCJ38>%V!%5+_=/[L8["?$7>OP^IZWG;QA^^EV9O
M>?+/=3'_`!:&.RBGU0LKCYWOXYEG^DA+B0OG5DFZ2[SW?QH%Q3M)\\]/#[YO
M.PYBFYC_`*H;.;I]SEO2O^,Z?$FYGM.:63^WKH%W9I;#(;Z9WJ?%I(,/</\`
M*UZH[ES_`&;N#-]E]F8FH[1^,>R/BYEZ?$_W3^WH-I;&WELO>E!N+'_>[=J9
M?[R5M;LJ&&?R,]+X:B71$K^-D26_-M[;0?3I;QZ?'>4'-0SI.AIGR$Y(K7*K
MY:JVY$^^=SOR#M?*.U;=RCL\\6S\X7G,,32_4ZGN;RTO+1X'T3J/`1+QW2@$
MFN./4Y74&=]Z?RS>L-[4FZ:2N[)[)HEW53[\IJJ2B_NGY*1-_;5^,VU,B:3[
MC;LR:J&D^+^*E@UA_P!W)UNO4O@6%5;<[7UJT#)90GPRE*Z\^&]RXKW>9N7!
M^2K\ZH^7OOA<Y<NS[+/;<H[1(;)[)E#_`%-&-E<\P7,>K3.#WMS%<J]".VWM
M]-#XID@]T_RONJ>[=V_)K=^=['[)PU=\H<WT!G-UTV%_NM]KMRH^/4=*FV8M
MM_?X"LE$.:-*&KONFJ#<GQ%!Q[2V?-E[91[/%'!&5L@P2M<ZI#(=5#YDTQY<
M*'/3WM]]\CG;V\V/V>V+;>4]HN+;DRWWJ&V:7ZC5.N]LS7!N-$RBL6HB+PPF
M*:]1STLZW^7IUS7;O@WA+OW?PJZ??E5O]:)?[M_9')57R_I/F.:,WP?W'V46
M]:-<2OKU_P`()N34_O>[KS?>K;&V%K%I\()7NK06GT?K3*=QQ\7RQT16WWJ>
M;;;89=@3EC:_`;;%LM?^,:_#7E=N5=7]MIUFT8W)[:?4\`(OT^D5FOY7?5&;
MW[N+?]3V/V1'D=Q_,_KKYL5-#'_=;[&FWYUM2;@H\5M*FU8`U']T*Z+<,GW&
MMVK?VDT3+ZM5(N;+Z&!K=88]!LVM_/X&6)2>/']$'[6;RH`?;=]\KG?;>6=K
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MSQA&\['SF5+*'3SIN!^I'TT5)7A8\?\`099)5''A60@^=`,UJ2.=W^_/S]O!
MYO,W)FRH-YM>7()0OU5$7EN[>\M2E9R:SO(4N-1(T`>'H:K$:]F_R_\`KS9>
M]<+OBAWYORKK\+B]XXJ*CK/[N?95,>\OC]T7\>:R>H\.$BG$U%MOH;'U\.AT
M7[^MJ=8:'Q1QL7/-MY<VTUJ]K$$=D-1JJ-$\]P`,\"T[`UJ=(%,UZC[F#[T7
M-7,/+NX\MW/+.V1VMQ/:REU\?6IM-[WC?$5:S$4>XWJ>%Z@GP88=)#ZW8`=L
M?R>^E]K;,V1LJB[6[8FH-C?'?O+XXXZKG.S?NZO;'>^\MV;TW#GZO1ME8?[P
M8>OW;+%1:%6F\4,?DB=M992W.^XM>K?-;1&031R4S0F)8%6M"/*!:TI\3?*D
MF;Q]_/W!WGF'F#F*XY*V1;K<>:MHWUU'U6E;C9K6UM((5_QBO@RI:JTM29-3
MOH=1I`'M_P"7YUZ^6[IRYW_OX3=V]<?*;K7.1#^[7APN,^5G8,/8F[,EA?\`
M<%K_`(EM7(PBGQ7W!FB^W)^X29_7[3_UNO/#VR/Z2&EK-:R+\7<;6/PT#=W!
MAEJ4-?AH.HT7[T?-2V/M[8_U8VOP^7=VY<W"$_XQ6:3ENQ-C;1S?K4\.YC.N
MYT!&U_V31KV]!3B_Y474>*J-O5%/V?V@6V[\>.E/CE3*W]T-,^V.C^Y-E]T8
M#.S_`._;O_'LMFME0T59IM3_`&=1+XXTET2):#G&^@5U%M$P,K29U?$T,L)X
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M_$9N]E5>QNXLH90,9+*0R@9*D$8/0J7D7G=FV]%Y.W4O=SPPP`6EQ6::XA2X
MMXHAX?ZDD\$D<T*)J:6&1)$#(RL8U%W1T[DJFGHL=VQUI7UE7C-IYNDI*+?>
MUZJIJL-OW(4.)V+EZ>"#*R2S8S>F5R=-2XFH4&+(U%1%'3M(\B@Z.WWZZM5E
M,*%@>QL%`2P.,:0K%O0*2:4/3MQ[?<^VD,MQ=\D;O%!'-<Q,SV=PJK+9(\MY
M$Q,8`DM(XY)+E"=4"1N\H158CTG='3L.#S.YY>V.M(MM[<Q>(SFX=PR;[VLF
M#P.%W!75V+P.7S.6;*B@Q>+S>3Q=33T=1/)'%4STTL<;,\;@;.W;@KI&UC,)
M&+`#0U25`9@!2I*@@L!P!!.#UY?;[GY]QV_9TY'W@[O=S2PP0"SN3--+`B23
MQ11>'KDDACDCDE1%+1I(C.`K*3FB[@ZDGRE?A(.TNNILSBJO!T&4Q$6]MLR9
M3&UVY\-7;CVU1U]`F3-71U>X=O8RIKZ&.1%>KHJ>6>(/%&S#W[OOPBR&QF\,
MAJ'0U#I(5J&E.UF`;T)`.2.J/R%SS%9VNXR<F;LNWSI,\<IM+@1R);RI!<.C
MF/2ZP3R1PS,I(BE=(W*NR@QJGNSIFBP=5N:L[<ZQI-MT-5MZBK=PU._=JP8.
MCK-W8O'YS:E)59:7+)04]5N?"Y>DK,=&\@>MI:J*6$/'(C-O]V[CXBP_03>*
M:T70U3I8JU!2ITL"I]&!!ST[#[=^X%QN,.SP<B[R^[R).Z0+97)F=+:1X;EE
MB$1=EMYHI(IV"D121NDA5D8#N?NOINE_C?W7;765-_=K,9C;NX_/OS:L/\`W
M!M['MEL_@LWY,JO\*S&#Q2&IK*6?QSTU.#)(JH+^]+MVX.4"6,Q+*I%$8U#4
M"D8R&J-)&#44X]:B]O.?Y_W?X/(V\/\`5V\4\&FRN3XT$[B.&:*D?ZD4TA$<
M4B:DD<A4);'4ZH[8ZLI),1#5=E[`IIMP;NKNO\#%4;RV[#)F]^8NLEQV3V3B
M$DR*MDMW8[(0/!/C80]9#,C(\88$>Z_0WO=_B<O;&'/8V$(U!SC"E>X-P(S6
MG2>+DCG2=+Z2'E#='2UL4O9BMK.1#92()([N4B/].U>,ATN'I$R$,KD$'J#C
MNZ^FLQ1TF1Q';?664Q]>TB4-=CM^[5KJ.M>+=&+V1*E)4TV5E@J6CWIG*+$,
M$9B,I604I_?ECC:QV[<%+*UA,&4Y&AL45F-<8HJLW^E5CP!Z4W?MY[@6%Q/:
MWW(V\0W40!=)+*Y1TK;R78U*T8*UM(9KH5`K;Q23?V:,PS_Z8>I->V(_]*77
M/DWJFXI=FQ_WWVSKW;'M!9WW9)MA/XGJSR;72ED.1-+Y11"-C-HTFWCM]^/&
MK8S?IE0_8W:7^$-CMU?AK2OE7IK^H7/.G>'_`*E[MHVXP"[/T=Q2V-U3Z87!
M\/\`1-QJ7P!)I\;4/#U5'6+&]T=.YFDQF0Q';'6F5H,U%B)\-6XW?>UZZDRT
M&X*W/8W`S8RII<K+#7Q9O([6R<%&T3.*F;'521ZFIY0GCMVX+JU6,PI6O8V*
M!2:X\@ZD^@92<$5O=^WW/MA/>6U]R1N\-S;M*)4DL[A&B,"0R3"16C!0PQW-
MN\H8`QI/"ST$J%O57='3M"N/:M[8ZTHUR^R:CLO%-5;[VM3KD^N*2D-?5]@8
M\RY5!6[)I:$&:3*QZJ!(AK,H7GWH;??EF064VL2>&1H:H>H&@BF'J0-/&I`I
MGKT/M]S]<&Z6WY(WB1H-Q7;Y`MG<MX=^S:%LGI&=%VSG0MLU)BW:$KCKW^FG
MIPT*9,=L]:?PV6@@RL>0_OWM;[&3&5.TJW?]/D4J_P"*_;O05&Q,;49M)@WC
M?$4\E8":=&D%AMNXEM`V^?76E-#5KK$=*4XZR$I_&0O$TZW_`*WO/WU+6?\`
M4?>/JUE,93Z.YUB1;E+)HROAZ@ZWDB6A6FH7+I`1XK!#PS'=G3.W9\I2[@[;
MZQP=5@]L4.]LW39C?NU<9/A]F9.LI,?C=W92&MRL$F/VQD,A7P005\P2DEFF
MC19"SJ#5-OOY%#)93,I8K4(Q&H`DKPX@*Q(X@*3Y'K=A[>>X&ZQ6<^U\C;Q<
MPW-X]I$T5E<R++=1HTDEM&4C(>X1$=WA6LBHC,R@*2,]9W%U'CEJGR':?7%`
ME$M<]:]9O?;-*M(F+I=M5V3:J:?)H*=<=1;SP\TY>PABRU&[V6J@+V7;MP?2
M$L)B32E$8UJ6`ICS*.!ZE&_A-&[?D'GJ[:%;7DK=I6D*!`EG<,6,C7"1A:1G
M5XCVETJ4KJ:VN%6IAD"XLUW3TYMNKW-C]Q=L]9X&OV7/MZFWC0YK?FUL75[3
MJ=W%1M2GW-35V5@FP,^YRZ_P]*I8FK;CPA[^ZI87\HA:.RF99*Z"$8ZZ&ATT
M'=0X-*T..K;?[>\_;M!L]UM7(^\7-MN*SM:O%9W,BW*VU?J6MV2,B86]#XYC
M+"*A\33U,';'5C9`XA>R^OSE5S%/MXXP;RVZ<@,_69[);5I,&:(9+[D9BJW1
MAJS&QTVGS/7TDU.JF6)T7W[OO]'B?13>'IU5T-32%#EJTI0*0U>&D@\"#TP>
M1^=1:B^/*&Z?0FW:?Q/I)]'@+#'<M-K\/3X2V\L5PTE=`ADCE)T.K&&O=/3C
MUHQJ=L]9OD3OB3K$4"[\VLU:>R84\LW7HI1E3.=\11^IL3I^_5>3%;W[]WWX
M%3934\/7\#?!2NOA\-,ZN%,UZ?/M[S\MN;MN1]X%K^[AN&OZ.YT?0'`OM7AT
M^C)P+FO@G^/J=C.UNKLW5XF@PW9.P<O79[^%C!T6,WCMZOJ\R<Y@\IN?"_PF
MGI<C+-D?XQMO"5N0I?"'^XH:.>>/5%%(Z^DL+Z)9'ELIE5*ZB48`:6"M6HQ1
MF537@Q`.2.D]YR3SGMT%]=;ARCND%M;>)XSR6LZ+%X,T=O+XK-&!'X5Q-%!)
MJ(T32QQ-1W52S4O?'1U;_"_LNYNJ*O\`C=5NNBPOVO8FT*C^+UNQ*-<AOBDQ
M?BS#_?U6S:!Q/E8XM;XZ$AZ@1J;^[?NW<1K/[OGHNFO8V-1(6N,:B"%KQ((&
M1TOF]M/<>W^L^H]O][3Z=+9Y=5C=+X2WCE+-I*Q#0MTX*6Q:@G<%8BQQT^4?
M:7661K8<;C^QMB5V1J(JR:"@H]W[?JJV:''X#![LKY8:6#(//)%0[6W/C<E,
MP4B+'Y&FJ&M#/$[U:POD4N]E*$%,E&`RS(,T\V5E'JRL.((Z+KCDOG&TMWO+
MKE/<XK12H9WM9U0%YYK9`6*!07N;>XMU!-6G@FB%9(G54_2=_P#1%?1T.1H>
MZ^I*S'Y3;N<W?C*^D[(V=44>1VEMBLJ<=N7=%#50YEX*O;NWLA1305U;&S4U
M)-$Z2NC*P%SMFY*_AMM\XDU!:>&U=3`%12E:D,I`XD,*<1T:3^U_N7;7%S:7
M/MYOL=U#=0VLB-872NES<(LEO;NIB!6>='1X8F`DE1U9%8,"7\]I]8B7,P'L
M;88GVYCMT9?<,)W?M_RX'$[(R`Q.],IF8_XAKQ>.VAE&%-E)YPD6/J#XYVC?
MCW3Z"^I$?HI:.5"]C=Q<50+C)<94#+#(J.BS^I?.)3;Y1RGN?AW<MO%`?I9Z
M32WB>+:1Q'1222ZC_4MT2K3IWQ!ESTV4G=O3%?-1T]#V[UA65&0P&!W7004F
M_MJ5$U=M?=.:H]N;8W)1Q0Y9WJ<!N/<.1IZ"@K$#4]96SQP1.\KJIW^[[^C-
M]#-I#$$Z&P0I8@XXA5+$<0H).`>E<WMU[@VT<\MQR+O,<45U-;.6LKE0EQ;Q
M//<6[$Q`+-!!&\TT1H\42/(ZJBDB1+W'U%!C,WFINU.N(<-MK%1YW<>6EWQM
MB/&;?PDV9R^W(LQFZ]\H*7%8J7<.WZ^@6HG>.%JRBJ(`WEAD5=&POU**;*8,
MQ(`T-DA0Q`QDA65B!^$@\".FTY!Y[DN]NV].2MV:_O)C#!&+.X,D\PBBG,4*
M>'JDD$$\,Q1`S"*:*2FB1">Z3N+J.OR4^&H>T^N:W+TTFTX:G%4F]]LU.2IY
M=^T?\1V-%/0PY-ZJ*3>>/_?Q*LH.1A]=/Y%Y][;;[]5UM8S!*,:E&I1"0YK3
M@A!#?PD$&G6I^0N>K6TCW"YY+W:.P<7)61K.X6-A9/X=X0YC"D6C]ER0:0/V
MRZ3CJ)4]X]*T>W\CNVL[@ZNI-JXB#;=3EMS5/8&TX-OXNFWE1TN1VA49',RY
M9<=10;JQ]=#/C7ED5:Z&9'@+JZDV&V;D94@&WS^.Q8!?#;42AHP`I4E2"&IP
M.#0]*(O;CW#GW2TV.#D+>GWN=KA8K=;*Y,\C6KM'=+'$(O$<VSHZ7`52875E
MDTE2!EJNZ>G*%\[%6]L]9T<FU\G587<T=5OO:U.^W<S0X2NW-78G.I+E4;$9
M.CVWC*G(2P5'CECH:>6=E$4;N*IM^X2:/#L9FU`$41C4$@`B@R"64"G$L!YC
MIJ#V]Y^N5VU[;D?>)$O(5EMRMG<L)XGF2W26$B,^+&\\D<"NFI6FD2,$NRJ9
M55VWU30B@-;V;U[2#*;T_P!&^,-5O3;=.,CV()!$=A4'ER2?=[T$IT_PN/57
M:N/%?WH6%\=5+*4TC\0]C8C_`(SCX/Z7P_/IF'D7G:X^I^GY.W63P=O^ODTV
MD[>'8TK]:](SIM*9^I:D-,Z^I&V^T.L]Y5,%'M#L38NZJRI?<,=-2;;W=@,Y
M4U#[1K<=C=UI!!C,A52ROMC(YBDI\@%!-%-50I-H:5`U9+.[A1GFM9$0$`DJ
MP`+5TU)'GI:GKI-.!Z:W;DWF_8(9+C?>5-RLK=!`6:>UGA51<I));$M(B@?4
M)%*\%3^JD<C1Z@C$+KVFZ#?7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?
MNO=?_]"V?,00?W?_`)@$OAB\I^&/\QJ,R>-/(8Q_,#^1CB,O;5H#\V^E^?<X
M,!3E=*=AW&PJ/+.WV]<?/S]>NS]C))^\_NOQ^(VC_7"Y$-*FE?ZD;$*T]:>?
M08]`P0?Z6NK'\,6O_92/Y*!U>--5_P#9G_C<;ZK7^L2_\DC^@]M7*J!NH"@#
MQ-P'Y"#<*#[!4T]*]"SW,DD')/.RASI_KO[LXK_X;W,/^<_M/KU@W!2TR?R[
M_GI&E-`D?^R@_!,^-88U2\7R2^1CQG0%"WC<77^AY'M1N??O6T:LUN-R!KYC
MZ.#!^63CY]*+":5OO4?=H=I6+?U[YSR2:YV#8@?VC!]1TMMF4].WR^^2:M!"
MRQ]S_P`NAD#1(0C#X$_(M`R`K96",1<?@D>ZD!=CLW44=HMPJ?,_XW9\3Y]!
MW?9)%]B?:1ED8$\O\]UR<_\`(SV'CZ]!3VQ2TO\`PW7W'%]M!XO]*_\`*[C\
M7AC\?C7X8?&")4T:=.@1,5`M;22/I[5-GFC:B>/^.'\QN<I!^T$#/R'IT->2
MYIO^"M]OW\5M?[E]PS6IK7^MO,!K7UJ`:^HKU+[-HZ.2/^8$LE)3.#\[/G:Q
M#P1,"TWQHSYE)#*03*9&U?ZK4;_4^Z;,2MSLQ4T)LK"OSHUN/\``_(=,\F3S
MI+]V$I,X/^MMR;P)'#?K>G[*"GI0>G1B>RJ>`[J^$-X(3;^>+\BI!>-#:0?(
M'=<@D%U_6)(U:_UNH/U`]E``_P!V>.'+T%/SL7'^`G]I]>HHY3DD&S_>(I(W
M_B.6Q#B>'[BMQ3[*$C["1Y]%U^+%)2KT7TAIIJ==.0ST2VAC&F,?S@?A>1&M
MEX0&)3;Z>D?T'LWO/]R]Y'EX\Q_/Z#<37[:YKZYZECWFFF/N1[CUE;*1$Y/'
M_6OYMS]N3GYGUZ$F*GITS?\`*&B2"%(AMG^::!&L2+&`U!V"S`(%"@,S$G^I
M/M/=`,_.KL*N+C;:'S'93!\N@E++(UA]^N1I&+_6^W.237XK(<?LZ1_Q8I:4
M]+?$D&F@(&TO@](+PQFTG^S!?S*'UCT\/KE8W^MV)_)]VF[$O0N`([@8]!:;
M90?8/(='GO)-,.?O>^DK#_'>;AQ/#]Q\@"GV4`%/0#TZ[[AAA.,^+\ABC+C_
M`(3U]DJ'**7"KTCDPJAK7LHE:P_&H_U/MB)$.Z;FN@:?ZR2"E/(W-M4?8:"H
M^0].J<BN_P!?[R+J.G_@I;'%<9WB&O[:#]@].HHI:9OCS@V:G@9I/C;U_P"0
MF&,E_P#L2!\@(O62MV_:8KS_`&3;Z>S6#&XHH^$7;T'D/]W-OP].EGC2CW3W
M$"5@!S=>TR<?\Q>V0X],Y^W/3=\ZZ:F/9?R^)IX"5_E"?'I5)BC)4+WOT2R@
M'3<`-`A'^*+_`$'LHVH!MMCJ*ZMRN`?F/I[_``?49./F?7IW[MTLO]3_`&-'
MB-0^^N^5R<_[IM[_`.@F_:?4]+WORBHVPO<*M24S*^+^2!=6@B*L6Z=_E'HQ
M8%+,2L*`W_"C^@]FNT,WB[::FNJW_P"KV[=!_P!L+BX7<>0F$[@B?8:=QQ_N
MU]S3Z_,_M/KTEOG[!!)W?_-T$D,4@?L'^6,'#QHP<-%B$8,&!U!DX-_J./93
ML*+]'R$VD:BDW\KER/V'(]#PZ,_NQR.OMW]Q4JY!&U<_TH?1Y2/V'(^?0VT5
M%1_[-%5O]I3:_P#9[>J9=?@BU>5?YF/RSF635HOK$TC.#]=3$_4^U+,W[B4:
MC3]U2_\`=MM.@!<7%Q_K,6Z^.^G_`%M-R%-1X?ZW_+(IQX4`%/0`=`CB*>`]
M]TUX(3_VT1[JDYC0^L8M)@_Z?UB4!K_75S]?::55$((45_JZI_/Z0BOVTQ7T
MQPZ']_)(/;26CG_Q%6W'$\*D?X,?9CAT8+X>TU/#W5\*S%3PQ$O\-5)CBC0Z
M8_Y=OS#$:W51Z8P?2/Q^/;O,G=MO,>K-/K*?+_=A:#'4:>_<TLGMY]X</*S"
MG-1R2>//7*U?V^?KT1#J.GIQ_LH,8@A$;=L?SGPR")`C#_0/A([%0NDCQJ%_
MU@!]/:]D3P]Y;2-0EL"#3()N[DDCTJ2:^OGUDCSO)(1[[.9&UC9O:JAJ:_\`
M):N#Q^TD_::]6$]#4U-_LP.Q3]O!>+:'>B1'Q1WC1_Y9'\N='1#I]".B`$#@
M@`?CV6;J2-IO*><D!/S_`-V6X<>L7?<V:7_6LYE'BM1K_9R<G)'N#SV03ZD'
MJLKIVGIWZ#^/&N"%K_RM?YBJG5$C77_3UW+Z3=3<?N-Q_M1_J?9S<(B<P*%0
M`"_M`*#@##85`^1H*^M!UE[S[)(ONA[H!9&`'O+R-P)_Z,VT?YA^P>G5F$U'
M2?WU^?9^UIKR_%7^<:DI\$5Y$J/DY0O4)(=/K6=^7!N&/)O[)PS?3<I=Q_W/
MV?\`[1CUB+'<3_U>^[`/&>B\[>U9&3@KR\X4C."!@>@X=%)Z?I:9]]]&%Z>!
MR/Y:O\N&Q:&-B/\`L8!\?Y>"5)'[L*-_P9`?J![O``EG?:!3_'+@8Q@6%[0?
M8*F@\JGUZF[G::5.6?<@)*P'^NYSUP)'_.D[X/\``2/L)'F>A*W13TZ?$7^8
M'&L$*QCX<[48(L2!`W^S^_.&74%"A=7E]5_]5S]?==Q`:\V?4*ZKF<&OF/W;
M:8/J,G'S/02VN61O?#[L#-(Q8\^70K4UI_4GE`4_9C[,=9NE*:F_V:O?J_;P
M6CW=_)29!XH[(T70%.L;(--E:-5`4CZ`"WMZ_P`6`8?$;7=:GS/^,S<?7JON
M'++_`*RO+)\5JG;_`'9!R<@[V]:^M:FO0)=IT\"_RQOE2ZPQ*\G7G\IMI'6-
M`SE.A>H$0NP%V*)P+_0<>S1%5N;]AC908_J-RQY?[E2>7#J1>39)&^^)[*(T
MA*C=?<N@J:"N];H33TSGI<]UTE*^X/YC&NFIW_YRX[I;U0QMZF_E\?),,W*G
MEA,]S^=9_J?9;R[A]GIBMO;U^?\`C&WC/Y`#[`/3H,>W,\R[;]U/3,P_Y`^T
M\"?^FVY>_P`P_8/0=#'VY!!''\<_'#$FK^?_`%$C:(T75))NBG+R-I`N[D"Y
M^IM[2Q`.U]K`-.5U(KFA$;4(^SRZ`G(TDCO[K:W)I]U]0*DF@%LU!]@\NA0_
ME/PPQ]M]>&.**,_Q7^:!RD:K_P`UX^)J?V0/["`?ZP`_'LIYI`&R[C0?Z/:_
MS-^3^TY/J<]`O[[4CMR%S9J<G]+V]XG_`*1',Q_PDG[3UL=>XLZY,]>]^Z]U
M[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U__T;;,Q_Q[?\P#_P`4T_F-_P#P
MP'Y&>YQ/'E;_`*6&W_\`=OM^NSEC_P`E;[K_`/Y\'D/_`,DG8N@QZ!_YFQU9
M_P"*C_R4?_@G_CC[;NO^6M_S5W'_`+1]PZ%GN;_RI?.W_B\>[/\`Y+W,'6+<
M7_;O+YZ_^*@?!;_X)#Y&^WMQ_P"2ULW_`#T[E_VAP=/;=_XE-]VC_P`7OG+_
M`+L&Q=+79?\`V5_\EO\`Q,W\NC_X`OY$^]/_`,D&P_YI;A_VEVG0?W[_`*<1
M[1?]*#GO_P`G/8>@K[8_[=W]R?\`B6OY7G_P&?Q?]J6_Y6C:?]+>?]W.;H:<
ME_\`B5?M_P#]*3W"_P#)LYAZF=E?H_F`_P#B]?SI_P#@:,Y[IL_^Y&R_\\-A
M_P`?M^D_)O\`:?=A_P#/;<G?]WZ#HPW9/_'U?"+_`,;A?(O_`-_]N[V4#_EJ
M?^*]!_V@OU%?*?\`R1_O$?\`MN6Q?]V.VZ+M\6?^9%=)?]K3/?\`PX#X9^S>
M\_W,WC_FM+_W;]PZE;WE_P"GD>XW_-*+_P!-?S9T)"?\7[^4/_X;7\TO_P!U
M_8'MBXX\[_\`-?;/^.=!.3_DF_?K_P">WVY_X_9=)'XK_P#,EOB5_P"&?\'_
M`/X(#^9+[M<?#??Z2Y_[1-LZ//>7_E?O>_\`Y[N;_P#NR<@]<.X/^+3\8/\`
MQWM[+_\`?(Y#VS%_R5MT_P#%ED_[2;?K7(O_`"4?>3_VZ6Q_[O$76!/^R>,!
M_P"*V]?_`/PD/O\`]FD/_)2'_/6__=ZM^E1_Z>IN?_BVWO\`Z=W9.F[YU?\`
M,ROE_P#^,A?CW_[_`&Z.]E&T_P#)-A_Z6=Q_VCWW3OW;_P#E3_8O_P`_IOG_
M`'9MYZ7_`'W_`,6?M[_M5?(__P!\]_*3]F>T?VNW?Z:W_P"KV[=!WVQ_Y*'(
M?_-?8?\`NZ^YO23^?7_,\/YN7_B0OY8O_0F(]EFP_P"X7(/_`#3G_P"TE^C;
M[LG_`$[K[BW_`$JO<#_CTO0X47_94%7_`.+T]5__``RSY8^WF_Y(:_\`2JE_
M[MMIU'MQ_P!.:M__`#VNY?\`D@<M=`=A_P#F?=-_X\0;K_\`=.OMF;^P'_BN
M+_VBGJ0K_P#Z=I+_`.VJVW_'CT8+X@_\SJ^%7_+3X<__``N[YA^[\Q_\DWF7
M[+S_`+N%IU&?OQ_T[W[P_P#I>:O_`">N5NB(=2?K^('_`(EG^<__`.^*PWLQ
M;^RWO_FKM_\`VEW/627.WP>^_P#TI?:K_N\S]6%=#?\`90.R?_#3[R_^%E?R
MZ?95NW_)(NO]/!_W<]QZQ<]S/^G6\Q_\]VS_`/IP>>^JR>F_^9!_'?\`\9;?
MS%?_`'_7<7L\N?\`E81_TL+/_JS8=9?<_?\`3T?='_S\O(W_`'9MHZLSF_X_
M3Y[_`/BK'\X?_P"":HO9&/\`<;E/_GOVC_M&/6(4?_*O_=C_`/%U]K?_`"7W
MZ*/T[_Q_71O_`(S5_EP__!^=!^W8O]Q+[_GMN/\`M`O.IPYX_P"59]Q__/N<
M]?\`DE;WT).ZO^R2/Y@G_BG&U/\`X/GYQ>ZW_P#N9LO_`#U3_P#=ML^@GM/_
M`$^[[K__`(OMU_Y)7*'6?I3_`+*L[`_\.S^2K_[X*#V[N'_).3_GEW7_`+29
M>J>X?_3E.5_^>#W9_P"[VW0(]J?]NP_E-_XCO^4[_P"^'Z?]FT?_`"N6Q?\`
M/1N7_:5)U(W)G_B8WLK_`-+;W*_[O6Z=+ONG_CX/YC'_`(MOW/\`_"^/D=[*
M^7OCV7_GGM_^TBPZ"WMU_P`DW[J?_BC[3_Y.W+_0P=O_`.;^.7_C?R7_`-Z>
M#VFM_BW#_P`58?\`'&Z`W(GQ^['_`+;`/^T9NA/_`)47_,V^O/\`M;?S0/\`
MW_7Q0]E/-7_)%W'_`)KVG_:_T"_OL?\`*A\V?\TO;W_NS\S=;&WN*^N3G5?'
M8.X>S^P.Z?D!B\5\A*KXY[7^,>T>KMQ8BH;#[-R.SL]5;NP^X-X;FWKW"N[*
M(5>4ZZI\3A6P\5+0Y+"BF:ER%5]V:A8&I!=:P6-KMNS22;3]9/>RRJ1J<.`A
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MNO#\0%);@[N[]Z;I/C?VOW=V%DZ/%ST&!VI\A=CXK;&PZ_;>PZRMV-N+<,`W
MYC-O3U6_Y.Z.ULXV"H\*F$5-O8G(0U-.RO25L<LBF+:]IW)]YL-KM`7!9K=R
MSAI`)%7L+?I^#$OB%R_ZCJ0?B6@/-K]N?;#G^?W;Y(]N>5H9+U99KG8[R2XO
M4N+U4O((#]%).JV0VG;81>2W9NR;ZY@>*4,L]NZ($NVOD[\A^U]FYK>F![$K
M-T;,V%WCWOG>YJ_HC-=/8/<>P.GMK[:V-N+9.T-N'M7:%;_?A=FX?=%0,G)3
M4"U63R=$8VKZ>.:%95LVR;38W$-M+:JEU+;P+")EF*R2N\BLS^&_9KTK3NH%
M-0F"`.-W]G/:KDC?]NY>W+E6.SY@W/ES9H=J3>8=TF@O=TN+B\@N[JX_=MTO
MT9NI;>/Z=7G,=O;RAA;2O'(46FT_D;OK>&W^WNS]X]@]Z["V'G^O>[>V>M:K
M`T72]-C,OM#H3MNBVU'2]74.<VYF]V;%S61V_D<7CZZFW;29)]R5&<%71'&/
M2-2EBXV6VMY]OL+:TM9;I)H(I-1F)#SQ%CXI5E1U#!F!B*^&$TMKU:N@_OGM
M-RWL.Z<B<F[!RMRUN?,UKNNT;9N"S/NS2176];8]P6W%X9X;:\B2>.YGADVR
M6W%A'9F"X^L6<3#CDNV?E7UUO+JG:F;[!SV]L_L/8W3-%W/F*G$=;XSK#&]H
M]UY+L:--M=P-C\9BMR3#.Y:/;.!VMD=LK!18B4-6YIA#6$^]Q[?L5Y;WL\5F
ML<,LDYA&J0R&.`1=T525J!XLDJR5+#MCRHZM9\C^R?-G+_.V][=RM;;=M>Y[
MCNS[3$LM_)N,FW;1'8$W&UZY)+<>#$=PO=Q@W`O+=+2WV\&2W'0"_P"S7_*K
M^/\`^A'^,_)+^\7]R?[_`']Y_P#0+L[_`$P?Z7?]&O\`>3_1M_<3^"_PW_0M
M_I5_;_B7\/\`MOL/\B_B_P#"_P#<G[-?ZO[!X'[TT6?@^-X>GQW\+P?&T^)K
MK7Q?"_#JK7O\/7V=2;_K(>R?[K_UQ?H.4?W5^\OHOI_WU=?NO]U_O#Z?Z_ZS
MQ?$_>W[MSX'C^)XW^,?0?6?XGU__TMUV7X;_`!IGBWW#+U9C73LW9O8'7V^?
M]S>ZP^?V=VGOW<'9^_<)-(N>$E'!N#?>Z:_(-)3&&:"2H,<#Q0JD:G)Y@W@K
M;H;PZ(I$=!I2@>.-8D--.:(H7-0:5())/4Q)[_>[\;<M.G.DP;9]PLKZS_1M
MJ0W6W64&W64P'@T<P6=M#`%D#HX35(KR%G+;@OA!\6-M9;&9W"=1XNARV&VK
MTYLG&UJY_>$TE+M?X_[EVWO#J#%*E3N*:*1-F;DVAC:J.5U:>J:E5:IYXRZM
MH[]NS"4&[P^NO:F?$617_#YB60`#"ZB5H:44[C]XOWHW:RO-NW#GF:2RN+W=
M+N1/!M0&N-ZM[BUW.2JP`@W4%W<1LH(2,2EH5C8*PX3?!OXJ3]?;XZKEZ@Q+
M;`[(VIL;9&]MN#.[O2GSNUNM=Q[@W=L?%2U2;A7(T:8#<>Z:^JCEIYH9Y'J"
MLKNBHJVFYBWF>:.XFO2TRF4@E4XS((Y/PT(9`%(-0/*A)ZNOWC_>M.:.7>=%
MY[G_`*S[3>WEW:3^#:EH;C<+>"UO)`I@\-_'@MH8V61610E4569B9U+\+?C%
M1;KW!O>FZHQD>Z-TYGK[<&=RO\<W9(]?F.J]B[AZTV!7&EDS[T--)MW8^Z\A
MCT6&*-)DJ2\PDE5)%T.8=X$0A%Z1'1Q\*<)&1WJ=-35D0Y.*4%!4%/-]X3WC
MGV7;.79>=ICLUG;WT$,?@VPT1;E>07]ZFH0!V$]Y;03$NS%#&%C*(64M64^"
M7Q-S77N6ZIR?3F)JNOL[DNM,OE=MMG]XQTU7D.GMF[<Z^ZVJ&JH=QQY&(;8V
M=M''4,:1S+'/'3!IUED>1WN>9-Z-S'>&^)N4+$-I3!>4S,:::$F4ZZD8-`*`
M`=+;/[ROO?8<U6/.UIS].G--M%?QQW'@6I94W2[GOK\:3`8S]1=W,\Q+(61G
MI$4145>\I\$_B=FEWXF4Z<P]8O9N]]\]C[Y63.[P`S^]>RMNU.T]\9V81[B3
M[.;<&WZR6FDBIO#3QAR\4:2>KWZ#F3>[9XG@ORKHD:@A4PL6GPQ\.=.A:$U/
M:`:]:LOO*>]^W-RTUES]/&VS[=9V%G2&U_1M-OG6YLX16`ZQ!,BNK2:W;2%=
MF7MZ462^'_QOR]5LRMR/5^-JJGKWNO/_`"*V=*V9W0APG<^Z-P5&ZL]OF)8L
MXB559D-P53U)I9Q+0(Y`2!5"J&?WYNO?_C9[H!">U?[-8S$%^''Z;%:CN()J
M:YZ*K3WX]VK&'?X+7G*5(MTY>@V*Z'A6Y\7:K>`6T-F:PDJJ0*(_$33,14M(
M6))3VU_@I\3]F83";=VST[B<5AMN&9L+119[>,ZT'W';.S.\YA'-5[BJ*B1'
M[6Z]PV7TN[*)*%(0!3-)"[K\Q[T[3,U\29'9F[4RS))&Q^'B4ED&/XB>(!!K
MO'WD_>[?]PW'==WY]GFW"[IXSF&U&NFVW>S@D+`J@_NV^N[:H`.F9I/[8)(K
MDGPL^,,;]421]48Q&Z.INSJ/JL+G-VJFTJ;N5<@G9<5/&,_X\B-TKE:CR&M%
M28/*3`8B!:K\P;Q*]V\EX2\[1LY*I4F(4C-=.-(QVTKYUZ2/]X7WC=>=E?G>
M8CF-]O?<:PVU;EMJT?N\L?`K']-X::?",>O2/%UYK#VS\'/BKL[#[4V_MOJ#
M$XS$;(I]ETNUJ),[N^I7$0=>;@['W3LU(I:S<-1/4-A,_P!M[BJ5:9Y&E;)N
M)3(D<*Q[_K%O-'47I"LK*:*@PR1H1A>!2&-?EIQ0DU?W;[QWO7OM]O6Y[KSW
M/+?;BUVUPW@VJ^*;Z"PMKJH6!57Q8-LL(R%"A1;J4"LTA?EE_@_\6,ZFVDRW
M4F,K%V?T)D/C!MO7N#>,;8OHG*86?;U?U_&\.XHWGHY\-4R0?>2F3)*'++4!
MCJ]T&_;J)))1=][3F8]J9D9D8M333+(A*CM[1BG5;'[Q?O1MS;N]ESS-&U_S
M,G,,](+4^)O$<RSI>D&`A6$J*_A+IMR5`,17'6,_!KXIG`Q[8/4&).#BV[0;
M32@.>W@5_N_C.E<]\=J'&M.=Q&JD2GZ9W/7X,.SF4PU!F+&J5)U>7F;?$=9%
MOR&#%AVI@F99Z@::?VJJ_IBGPU'3@^\C[VC<GW@<^3C<6NWN2_@VO]O)NT.^
MO(!X&D%MUMX;R@&D.@C`$):,X][_``5^*'8^2W7E]Z]/8G.Y+>_4^`Z-W153
M9_>-*V5ZJVMG<!N7`[19,?N.DBI:;'9S:V/J%J8%BK7:E4/,RZE+,>_;M%&8
M8[LB,R,Y&E#5F61&)JN:K+(*''>:"M.M\N_>2][>5+/9K#E_GR>VM-OWN?=[
M=1!:L(]QN(9[>:YJ\#%F>&YG0QN6B`D8K&&H1,SWPD^+6YX,Q39WJ+$9"#/Q
M[BBR\4F:W7$M;'NS#]3X#<*R?;Y^(I_$L/T;M2!BFDHN'C*:6EJ#*_%S/OL#
M1M%N#!DTT[4QI:5E_#Y-/*?]N:\!1G;/O%^]&SRV$VV\]SQ2VI@,1$-L=!MI
M=RG@IJ@-?#EWC<G%:U-TP:H2()AWY\'?BMV=F>U]P;[ZBQ>X<QWC7]<9/M2L
MJ,_O&E;=U=U(D4?7D]5#C]Q4E/CSMN.!0JT:4RU`'^4"7GVQ!ONZVRV2P76D
M6P/A]J=M7+\2M3WDL-5:'A3JW+7WC?>GD^PY(VOEOGJ:UL>7(KZ/;56"U;Z5
M-R):]"EX&9_'+$DRF0H3^D4Z=D^'/QICW.^\TZKQ2[FDWSBNRGRW\7W.9FWQ
MA.R=U]OXO/\`A.<-+]Q2=D;XRN4$>CP-+6-&R&%8XT</,>]F#Z8W[>!X1CI1
M?@:-(2OPUS&BKZT%:UJ>D;>_WN^^S+R^W.LYV<;;)MXB\*WI]'-86VUR05\'
M5I:PL[:W+:M86(,&$A9V:(O@Y\58<XNY(^H<6N;3Y`5/RE2O_C^\6=>^ZP`5
M/88A;<1I_O9-(/V>C^&AA<4X//ML[[NIQ]7_`*!X/PI_9A/#T_#_`+[[=7Q4
M\^EC_>-]ZI-N.TOSU,=O/*Z\NZ/`M?\`DC+A;&O@:M`&/%K]01@RTZ?MG_$+
MXX[!S.SMP;0ZPQN$S&P!LX;1K:?,;GF?##8'7^[>K-GK''5YRH@JEPFPM]9;
M'1B=90Z5ADDUS)'(EKGF#>+R.>*YO2\<NO4"J9\1UD?@N-3HK8IPH*`D$OW[
MWX]VN:-OW_:]^YRFN;#=/JOJD:*W`E^MO;;<;JI6%2OC7MG;3MH*T,01=,;.
MC(C$_P`OOX>X-=J)BNE,11ILC*=OYG:Z)N3?#IBLGWW@8-L]MU2K-N>1:H[Q
MP5+'32+/Y4I44&E$#>KW;^L>\GQ#];EV1CVIQ1VD4_#BCNS&E*DG54=""]^]
M%[\[B=Z:]]PIY&W&';(K@FWLP9$V:=KC;%J+<:?I9G:0%-)D)(F,@QTO,'\2
M?CMMO/8_<^$ZSQM#G<519S'8_()E]RS/2T6Y>MNO>H,Y3QQ5&:FI]&0ZXZJV
M_C&NA*QXY9%TSR32R5EY@WB:*2&2])B<J2-*Y*R22J31:XDE=O\`;4X``!O<
MO?/W7W?;+K9MQYPFEVR>2&21#%;@,]O?WVZ0L2L(:J7^Y7MP,Y:<H:QI&B!S
MBOY=WPSPF#P&V\7T?AZ7";8ZR[`Z;P5#_>;?<RT'6O:6<S6Y-^[66:HW3+4S
MT^X<UN*MG>>5WJX#4,L$L:!5#G]9=[\=;CZW]8.K@A$%&01A30+3`BCQ2ATB
MH)K45WOWJO?_`'#<MRW>\]QIWW&[WBRW29_I[,:[_;H88+.XHML%#016\*!%
M`B?PP9$=JDB(WQ%^.;5N_,@>L,6:SL[:W<&RM]S_`,5W)JW#M?OS<R;Q[=Q-
M0HS6BFAWKN6-:J=Z<12P.--.T*>GVW_6'>=-HGUS:8)(7CPO:T"Z(2.W.A<"
MM0?.IZ"P]]?=D6_+-J.<IOI]FO=KN[,>';_H7&RVYM=KE7]*K&TMR8T#ZE<9
ME61L]);%_!'XFX6NPF2QG3F)IJ[;G7?7O4^%J/X_O*9J'K[JK?VWNT-@;<1:
MC<<J2P[=WYM3'Y%)Y`]5/)2JD\LL1:-M)O\`N\:/''>%49BQ`5.+1O$?P_[[
MD=:<`&)`!ST<7?WE/>^^MMQL[KGV=K:[W6]W*5?`M1KO=QLI]NO9SI@!!GLK
MF>`HI$:+(S1HC@,'*H^%'Q>JMI;[V+/U-BWVGV9M.EV-OG##.[N2'/;5H]^[
MT[/IL3+/'N!:NB2+??8>9R/EII(9S)6E"YBCBCC]+O\`NT[QR2WA9T)()5/Q
M1K":]N08T5:&HH*\224D?WAO>6+>^6^8TYWF_?6T7K7=I+X-J3#</96FW-(`
M8-+ULK&U@TR*Z:8@P76SLW>&^%/Q?V_N:LWCA^IL71;DR%9TU7U>37.;LE>6
ML^/F!3;'3LXII\_+1Q-LG!1K3PZ(U%2H#5(G?U>[/S#O$BE'O204E4]J969F
M>0$Z:G4S,?E7MH.O7_WA_>7=-G@V&_YXFDVF*/=46/P;843>YC<;HNI8`Y%W
M,2[58^&32'PUQTSY+X%?$C+]<;IZDR'36*J.O-ZT'5>,W1MS^\6]8H\O0])X
M'$[8ZN@FR,&Y8\O#_=/!8.EIXFBJ(WJ%B!J#*S,S7/,V]FY@NS?5GB,A4Z$H
M#*Y>3MTZ>YR3D4'E0=+[7[S7OG9<V;+SQ:\_S+S3MTNXR6T_@6A,3[O-+<;B
M1&;<Q'ZF::21@R$(6I$$4`"7FO@Q\4MQ3]@U6:Z>Q%?/VGNO,[XW]))G=WH=
MP[JW#L+<O6&9R\PAW#&M%+7;$WAD\>T=*((52K:1468)(M;;F+>;0QFVOBA1
M5`HJ<%,;+Q7-#%'QK\`!Q4%C;OO(>]FTQ\L0[=SY/%'LUE%:60$-J?`MX+RW
MW"*(5@.L)>6EO,&DUN3$J%C&60O.3^'/QKS`P`R/5N-J!M?OB3Y-X(#-[J@^
MP[TEJDK9-_C[?/1?<5LE2@<TDODQQ(_X#VX]MG?MV.JMV36V%OE4/Z0!`057
M%`2`P[OGT7VGO[[NV!W,VO.<RF\Y:'+\WZ-L=>SA2@LNZ$Z4"D@2KIGS_:UZ
M<NK/BC\?>E,KC\YU?UOC]I97%R]DS4%72Y?<M<U/)V_FMJ;A[&98\OFLA"_]
MYLQLC%3.&5A3_9JL'B1I%=NYWC<;R&2"YN=43,K$:5%2ID(.`#QED)]2V:T%
M$?.?O;[I>X5C=;;SES;+?6,XL`ZM%;H&&V17,-CF*)"/IXKRY44(U^*6EULJ
ME3#^RSJ*^@-[,^-717<FY]N[Q[.ZUP&\-Q;7AHZ3&U^3^_2.JQV.S=/N3&X?
M<>/HZREQF\,#C-PTJUU+09>&NHJ:K+RQQ*\DC,9V>\[GM\,EO97KQPL22!3!
M*E"RDBJL5.DLI!(H"<"DD<G^[WN5R!L^Z[!R=S?=6&TWC,TB1Z*K))"UO)+`
M[(TEK-)`QADFMGAEDB"H[E54##V+\8NANV9,S/V!UOAMP5>X-Q;+W;ELA]SE
M\7E*K<_7-%D,=L7.KE<+DL;D:7*;4H\K4+130RQO"9"P.H`C=IO6Z6(B6UO&
M5$5U`P0%<AG6A!!#%06!&:4X=.<I^\?N9R.FWQ<K\W7%K!:VMW;1)IBDC6WO
MWCDO(?#ECDC:.Y>)#,K*P?30X)!BX7XK?'[;^[-G;ZQ?66&BW=L'"XC`[7SU
M369K)5U)0[>H<MB]O3U[9+*5<>?S6WL9GZZGH,ED%JLC105<T<,Z)(X.Y-[W
M66">V>]?Z>0L67`!U%2P%`*!BBEE%`2H)'3VX>]7NCNFQ[]RU>\X7#;%N=Q+
M-<0JL4:,\[Q23A!'&IABGD@ADF@@,<$KQ1M)&S(I'+=WQ7^/>^Y4GW7U9MS+
MS+O+.[^EF?\`B-)-6;EW538FDW7+DY:"NI7RV'W92X&ACRN+J3+BLFM'`*FG
ME\2:=P;[N]L*07[J/#5!PPJ$E*5&"A9M+"C+4Z2*GK6Q>]7NGRTC1[)SK=P1
MG;X;(`:&"6]LTK6PC#HPBEMFFF:VN8]-S;F60PRIK:OIOBQ\?*G)]A9BJZLV
MY5UW:G@_OT:O^(55)F%ASE)N>:*GQU1728[!P93<U!!DLA'CXJ1,GD(4J:L3
M3*''EWW=U2T1;]PL'P4H".TJ,TJ:*2JZB=*DA:#'7H_>KW3AL^5;"#G2[2VV
M35]'IT*T1,+6X+2*@DF,=N[P0-.TAMX&:*`QQDKTI-T=#=0;TW]@NT-T[#PV
M;WSMREAHL;FJS[PH]/2+E!C4RV)CJH\+N%L(V;K7QSY"FJGQTE7,],8GD=BQ
M#NFX6UK)9P73+;-6H'STUH>*ZM*ZM)&H``U'11LWN9SYR]RQN7)NR\S7%ORW
M=N7DA334,WA^(8I"IE@\;P8A.()(Q.L4:S!U10`[_P!DN^+W]S/]'_\`H>V[
M_=7^-_W@^Q^[SWWOW_\``/[I>'^._P`7_C_\%_N?_N&_AOW7\._@W^0>#[/]
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MSNMJFLHS8V,]GX0TJ"08SXB,P`9Q.>]]1-2.V@QUU9LN4.4^8>?M_P#:_=N4
M]N?DSDG>N5OW;$+6W1W2:SE:_MKJXCC2YO$WF95NKM9Y)294K`84JI'>396/
M@^1LGP;CS_8+_&ZL[JP&XYMK_P"E/LN3-T]!/\5=Y;ZK.LF[$FW4W8@VKE>Q
M\!3;M>D&7+M6K*A84<KTY*1*3L?]93#%^]Q:LNKPXZ$_5(@DT:=&L1L8@=/P
MT_$`>HS3F"ZD]I5^\>^V;4/=N/EZ>`7'[NV\1,XYDM+--P^A%L+'ZF.PGDVP
M2FUH(BC4\=%E`*8;=_8._NIM\=N;F[8[%D[!^(73'1]5T_NR/>^X<=1YC.#N
MWN7;^Z-[[QPF.JZ/"]A93MG:77V.V[F&R]+715--%5>%8I:J>1C66ULK7<;.
MPAV^'Z3<+J?Q4T*2J^!"51":F,1-(TB:2*$K6H4=2)N&P\K<L<\\M\B[/R1M
M(Y6Y[YAWA=TMC:0.T4/[HVJ>WL[6:17FL8]LN;Z>^M1:R0M'(T/B%T@C4*'L
M;>?8'6^RJKY/[2["[&Q?:O=66_F";0WMBZ_=^7S.#QV$ZRA[F7J5L+LK+2UF
MT]MU'Q[3K.A-)44=%2S2++D/O'F:LE/MFRM+.\NQLMQ9PM8VR[>R$(`29/!\
M6KBC-]1XK5!)'P:0-(Z*^4^7N5N;>8H?9O?.5=IFY)Y=@Y(NK21+6**:2;<#
MM1W,2W<06YN%WP[A,)4EED52MK].L8MT'0CY3K.+:O?U%\)\=V)VW6?'_?._
M>E-S;GQF1[2WGDMQDUW3'R6W5N_9#]A5F8??6/PG;6[.F,3F\G2TF3@$TPR(
MB$<-=.A0QW0N-FDYD>RMQNL<4ZJ1&@7^VME5]`&@M$L[HI*F@T<2@/01L^;W
MWKVON?O$7?*>Q1^Z&V[9N]O;R1[=:1P=F[<OVUK>"Q6(6;S;9;;M=6=O));O
MH0VA<O);1L`D4[TWKU]W;DL_W;VRN7^$70N_MP]%;GB[`S6/GR&[=B?(/Y*;
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M6@0`=@ZBOFRWVAN1^>/:>/E_:DY:V#V[V?>[2[CM8ENFW2>YVEKF\:]T_42C
M<$W.>V:&262`1):+%&IMT8==_9G<57W3\E.V3N_=T.Y?BGV'\+]M=,X##[MW
M)A=LXW#]DY_8^3[3QN8VGA<E3X3=TO<-!OB?"5\F4I*R1*2CI!2&"6G67W[:
M88!MVQV)MHS%?0WK3,54L3&KB(AB*KX)C#KI(%2VJH)'6_:_;]I@]O?:'D<;
M#8-M'.VU<V7&ZSRVL$UQ)+807D>W217,L;36HVI[-+N%;>2)3++.9Q*DI3HN
MF[-_=@=>]:;?[MVIV/OJE[)^4G7'S#I^T<W+O/<>2I,=78#LK;V-ZXW7M+;>
M1RE=M39&3Z+V]D)L+AY<;2T:)23`58J951U.;:RLKN_GVV>RB-G93V?AC0HJ
M#$QD1F`#.)V`=PQ-2.V@ZE?8^5^5N:><-U]NM[Y2VU^4N2]VY6;;H1:01M(D
MVWSR7]M<SQQI<WD>\SHMW=+/)*3*A,!B1F4C,=F8Z/Y'2_!M,[O]OC=/W7BM
MQOM7_2GV8^:AH)OBGN+?51UFW8<N[#V(-J5O9.*AW<U&N7+FM#H6%'(U.2OQ
M2=B',IAB_>_TI75X<=*_5JGBZ-.C6(R8JZ?AI^(5ZC\;_=-[2)]X]MLVL>[:
M\NRP"Y_=VWB(N.9(+-=P^A%M]#]2EA(^V"4VP'@Z6`^H42]`I@MZ=@[^ZFWC
MW#N?M3L&7L7XC]._'Z?J/=46]MQXZBS&:E[I[9P.[MZ;PP6.K:/!]@Y/N':>
MQ\?M[,OEZ2MBJ*6*H^W6*6IFD8UFM+*UW&TV^&PA^CO[FX\5="DJ/`B*(A()
M00M(TB:2*$K6H4=2)N7+W*W+'/.P<A;/R5M0Y4YZW_>UW.V-I!(\40VG;)K6
MTM9G1IK&/:[F\GOK06TL3)(T7BF1(8U!F>EJS<%%WA\>NX1O3?!W1\G.\/FC
MU]VYM;.[OSV8VS7;1ZRK^WJWJW!8K9U?63[<VO/T_!U;0XRCJ,=2T=2\==7_
M`'3S2UDA]D>Y1P-MN\V'TL7@V5K921.J@,'D$0E8N.YO&,K,P8D55--`HZA[
MW#M]JN/;GW5Y"_J]MO[FY.Y;Y3OMKN8;6&*X2ZW!-K3<9I+I$$]R-T.XS7$L
M<\DL8:&V\%8T@0="%O?YQ=BXCY2Y[J3:77T&XMA[![1ZHZDW7CZ#KKNW<V_-
MPUG8^%VIF=R;_P`%OS:NU:[IO9>W.K*/L3%5-7B\Y5&ORE'0Y&1)J.]"*E%;
M<KVDFR0;A<7FBYEMY95)>%47PV=4C*,XE=I3$X#(NE2R`ANZ@5Y<^[ARI?\`
MLOMG/.^<TM:<S;GLNY;G;2/?;1;V4"V$MS%;V4UE<W*;K=S[BUC<QQ7%G'X-
MO+-:(R7'^,F$'.P/EE\F>R>FOD3C]NP=;=5[Y^//:O2?2.\]TX#<><S4&7[C
MR'R!V11[G.U*3%Y"#<F/ZCS'5N?Q)\M='!E9JO+9#'`+)C99I%]ELNQVVZ;;
MJ,T]O<0RRJKH%I%],SKJ)&EI5>N4)0:58X:G0_Y6]C_9[E+W!]JKK=9-WWKE
MOFK9-WW>TMIX(83%M2;)=O;_`%+2(8'W.+<8;GMA9[9([:UNB2MVD:W,4_G$
M$/W1B-3XH_N#3JZP&?0OF,*R,\BQ&2^D,20+7-_<>&E3IKIKCKG[+X?B2>"&
M\'4=.JE:5Q6E!6G&@I7K+[UU3KWOW7NO>_=>Z][]U[JE[>.Z=U4/9O8/R5I-
MT;R_TA[#^>.%^-N!VM!N[<B;-R?2"]<[5H*[K!M@)D)-J57]Y<]N&?<[U[T+
M9099:>5*A8*>*(23;VULUG9[.T$?TLNTM<,VE=8F\1B)==-0TJHBI73HJ*5)
M/70C8-EV2YY/Y6]H9]EV_P#JKN?MG+O\UR;6`W<>[_7W+IN(O2@N5^GA@3;Q
M")A;_2F5&B,DKN0BQ\6ZMHX3HK:6&[8[9JJ/YJ]&_%_=G>^5E[%W)D,Y_?3L
MOY!=+;:[#['VGE*ZMK9.N*[L3:':&0VXRX)L=2TT"8_[2**6BA?V8,+:>7=[
MB3;[</MMW=+`/#4+HCMYFCC8`#Q!&T2R=^HDZ]1(8]#J[?9-\W+W*WS<.1]C
M2X]O.9.8K;9HA86Z0_2;?LF[7%C87,:(@OTL;K;H+\&\$\DCFZ\=W2XD7I=X
M?8,V_NSM[_$[,]H]MX[IOI"M^4^Z.N)\-VCN_#[@Q=?MS"?&>OZXQ%5ONDRL
M.\<]2=`U_<F7J,/!7U]9##KQXJ5F%%``DDN([3;[/?8K"W;<+D6BR!HU*D%K
MGQ#H(T@SB%`Y"@GOI36>@U?\SQ\L<F\N>]^W\E[%+S_S''RW;7ZR[=:RP2)/
M-S`E_*MFT9M86WI-JM4NGAAB9Z71A,9N9"4_L'=F_M^[4PGR[W'V+V)4]N["
M[6^#O6^`V_C]V9/%;0S.R>S.O?CU+V;MR?K['/#M3+'N?)]RY/+O4U6/FK(9
MX<8U-+$E!"`_>6MG:7,FP0V4(L);>^D9BH+J\<D_AMXA[AX(@1*!J4+@@ZST
M:<S['RORQOFX^Q.T\I[4G(FY[)SA?S3O;1R745WM]]O@V^X6]D!N8OW3'M-O
M:B..98G1[P2H[7,G28J*K?.QNM.F]T[<[K[7.YOFQT3%F^\-S2;\RV0EQFZM
MR=^_&S;\G8^RJ;(5-9C>M<GBMH=VY?:]`<(N/@I:88W0AFH('#ZQV=S?;I#+
MM=OX.VW=(5T`55;>X/AO05D!:!)6UZB3KKAST<Q0<M\R<X>X&R[M[=['^Y_;
MOF4Q;1;BRB026UOLN_S"PNV15DOXY;K:+7<9OJS.\DAO-3".YD4B_0=;T^X/
MD'6_""MWSVS3?'C:79O9VXL%A:+M3?%#N-H8?CS\?M\;<V$G8U/F8.P*G`]:
M[Y[7R6X<;2R9.H\$TF.277!10Q^RQKD0[+'S*MK;G=G@B4DQH5_W(G1I/#IH
MU2)"D;'2*@/3+$]`.YYMEVOVKM_O&6_+>QO[JWVS;=!-*^VV;P5.^;W9SWIL
M&B:R6;<+/;;>QN)%MTUJMTR:9+B1^@8VOV)V/OKJFI^46Z.P]^U_;'Q^Q/P)
MPW7T,.[\_B=NU]-V#4]>1=L9#<.S<+58[;N[9OD+2;SJ$R$N0H:AUACHOLF@
M:EBD]FL]C8VVXILD%G$+&[:_,G:I8:/$\(*YJR_3E!ITD9U:JZB.I!WKE/E+
MEKG>'V9V;E3;(N1^:9^=);XFU@EG1K%;X[:D%U,KSVHV-K1#`L$R`N;CZ@2B
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MTM1X*B6(FL5C9RLO+[01_0"QAEUA5UF5KB,-)XE-571S%2NG3I`%5!ZDK;^4
M^6MQ>U]A9]FL/ZC1<G;7NHN5MH%NY-RGWNQ2:_\`K]'U6JZM;J3;?"$S6XM_
M`6.+Q(D<-"T>7V/E>JNBL3V'V5DMD?*+87PFW?W/E,MV5O?*[AS6Y]_=C[NH
M>W<WB]RU>?ERFS)?D%AL7#CLQ%A:B@@\,#FABI9'DD:](;F+<=S>SA6YLIKY
M80(T"A4C0Q`J!1OIR2R:@34C42`!TN,]AS'9<[>Y5]RIM$/,?)FY\W6NTQQ[
M?9QP0V]E86K[9#);K"([L;)+(\]JUW',^MU%R\R*J#$8,QOB?N#I7+]A]CXW
M9OQ5V#\W=T=*Y?&=E[[Q>>PFY^O>S]OT746Y<QN>FS\.<WK5=`X2JFQ&*CS,
MV2I&IY3]]'5S!9![3#:KM>XQV<+7%]-8K,#&A4J\3&50M*()V`=](4U^$J,=
M7#[?RY%R%[AV'*NTS;_SKNG*%MNT4FWV<D,UO?;=.^YV\5NT)AM%WJ94NKEK
M5()0Z_XLT$9*E6[3WYO3=&?V#\J<CNW=6.[1ROS.^/WQ[JL)'NG<D6QGZ9W_
M`-/=8TVZNODZZ.2.T32Y;<F\ZS>"5DE#_%(LHL#K4K3P1Q!BXLK6".[V-+=#
M9+MEQ.&TKK\9)I"LGB4U5"HL-*Z2M12I)Z(]\Y9Y>V;;.:/96TV.RFY,@]OM
M[WQ9C;6YO!NMENFX-;7QOO#^JU16]I%M9B6;Z=K8RJ83+*[DS'R_^:?8_1G:
M]/UCUCL7'[JR."Z=3NG.4-9L'N3L++;_`%KMUYO;FWNJ-EKU#M_.0=?[CW$F
MS\J5W#N,/B*:H:DC^VG5JF2F(M@Y;M-SL/KKV[,<;7)A!#Q((P$5GE;Q67Q`
MNM/TX^]AJ-105A_V'^[URE[D<D2\Y<X\RRV5I<[^=IA=+W:K&*RT6T,\^Y7?
M[TGA:^@@-U;`V-A2ZD03OXL;"%)D9V-\N.]LUF?E#TO@-N[*V3GNL/CKVAWQ
M3[]DSM;#GL;UONSK:JJ>A#1[3IZZJS6,[7QF]Z;*1;HBJ`E!CJ?#TU13M(<M
M2QPJ+'9-G1MGNY)II1+=01%-'87\4K-^I0*T9108]-6.NC4T$D_Y2]C/;3;[
M#V:]P-SW7<=QVW>.:]NV9K(0H8)+^VW!5WK5=,BPR;;):&W;;FCK-.]U-%*$
M^AF:0_'QSR&[<OT#TIEM^92CS>\LIU9L/);DS-"N06GRN5KMLXVJJ<A;*SU&
M1:>K:7R3-,Y=I68\7L`MO"01[KN4=LFF!9W"C&`&(H*>0\OE3K&3W8M=CL?=
M#W#L>6;)[;8(=ZO8X(GT5CC2XD54_3"II6E%"B@4`9I7H9O9=U'W7O?NO=>]
M^Z]U_]7=&QOPF^/M!F>R,E4;<SF<P_9>W.QMHUNQ=P;OW)E.OMH;;[ERD>X.
MYL3UMM.7(KC]A4_:^Y8(LCFCC_$\E7$A@:!%\?L^?F7=V2T59U62%XW#JJAV
M:$:83(U*OX2]J:JX)K4YZG"[^\3[I76W\I6D6[6UM?[/=V%TEY!:V\=]=7&U
M1F#:I;^Y$>N];;;<M!:>/J"Q,PD$K'5TWK\(>H%V'+L_^/\`<#;DE[!I>U&[
MKD[9WA)WU_?^@VJ_7M!N+_2D]<V<:6CZRD?;*T[7HVPDDD#Q.TLLCV/,NXFX
M\;1!X/@F+P?"3P?#+^(5\.FG^U_4KQU@&M`!TJ/WB^?#S*F_?NS81M"[6VV_
MND;9:C9OHGN1?/!^[@G@T;<`-P+BDHNU2174(B+EROP9^.F3JNLS#M?.8/!=
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MO\0^V^O:_`=F5N0GW!C8MC[4EEQ-!3AVIC05-3'41SM65;SN/S3NSSK,3$(Q
M'(GAB-!$5E;7(#&!I.MZ,3Q!"T(TK0WNOO.>YMWS+9<P2)LZV4-A<V9VU-NM
M4VF:WOI?J+Y)MO1!!(;RY"W,SD"3QHX6B:,00+'WFO@!\9LUCNN<*=J[@Q.#
MZZVW!LK^"X/>VZ<9CNP]D0[G3?+;/[>BAR9D[.P-9OM7S52F5:>6JR%35-+(
MZ5M9'463FS>TDNIOJ5,LLADJ44E'*&/5%C],A#I&F@`5:`%%(UM_WH?>';[O
MFS<?WW:S[ENUX;OQ9K2VDDL;LVYLQ=;63'3;YDLR+2,VP18X(X`BJUO;M$KJ
M3X>=*4';6X.Y:&BW;2;GS]1NW,)B:;?&YJ?9FV][;_V_%M3?79>S]I0Y!,1M
M?L?=NVX%I*S+4B1U#(\SIHFJJN2=.W,.YM8Q[>TB&!0BU**69(V+I&[4JT:L
M:A3484'"J`13^_?N)=<C[7[?W-S8R;-:I:Q&5K.W:[GM+*<W-GM]U<E#+<6%
MM<,98K:4L@(C5M4<$"18J_X<=,Y+>FPM]5@WY/E]CXCK7$UU-)V+NZ7$=G/T
MQ6/E^H,WW+CYLG(G:&YNMMQ3293&9'*&:K_B#"6H>?Q0"+:\Q;DEO=6RF(1R
M-*12-*Q^.`)A":?IK(HTLJT&FH`%36]M[^^X-IR_S/RW;G;%L-RGW"5&%C:B
M7;QNR"+=(=J<1@[=;W\`6WN(+<+%X`*1+'KD+QL?\)_C]19CLO(U>WL]G\1V
M?MWL7:5?L?<6\=RY78.T=N=R9B/<O<F*ZVVM-DEHMA0=J[I@BR>9;'^*22LA
MC,#0(BQBS<R[N4LU6=5DA>-PZHH=FA73"9&I5_"6JIJK@FM2:]/77WB/=&XL
M.4+6#=;:UO\`9KNPN4O(+6WCO;J?:HC;[5+?W(CUWK;;;%K>T$^I5B=Q*)68
ML8"_"/J)=AOM`;A[A.Y'[!A[4;NL]L[O/?/]_P"FVHW7=-N(]HFN_C;2P=8.
MVV!3D&C;!N\#1,SO(V_ZR[C]1XWAP>!X)B\'PD\'PR_B%?#I3^U_4KQUT-<`
M=*C]XOGL\RKOO[KV']T#:CMO[I_=EK^YOHFN?KF@_=VCP:'<0-PUC]47@657
M`54&?*?!WX[Y*NZTE@VSG,'@NL-L;(V70['V_O'<V+V+O':76&?EW?UC@.S=
MLQY)Z/L*AZ_WE4SY?'')>:;[^JJ&G>=*F>.3R<S[PHO*W"M+-)(Y=D4NKRKH
ME:-J50R)16TT%`M*%00U9?>/]UK2VYO27>+:YW+>;R\NWO)[6WDO+6YW&`6N
MX3[?<&,/8O>VBI:SBWT+X,<0B6-HHF14;.^*/3VQ^W\WW9A:#<<VZ\I7;RR^
M)Q68W;GLSLG8N>[+KJ7*=I;AZ\V=D*R?";/SG9N5HHZK-5%+&KU,_E9/%]S5
M"=/<;[N-U8)MTLB_3A8U)"J'=8@1$KN!J<1@D("<"E:Z5H3;_P"]W/O,G(>W
M>W>X75HNR0QVD4LD5M#%=WD.WHT>W07UTB":ZAV^-VCM$D8B--`;7X,!CP;F
M^)?4FZNW$[EK'WWC=PSYC:>Z-Q[=V]V%NS`=>;YWEU]%1P]>[UWUL3&9.GV]
MNC=&R$QM)]C45$1!^PH_N$G^RI/!N'?MP@L?H%,9B".BED5G1)*F1$<C4JO5
MJ@'\34IJ:KNS^^7/6R\BM[?P#;9MJ6WN;:">>QMI[ZSM+XL;ZTL[R2-I[>WN
MS)+XT<;`CQKCPFC^HG\1&M\"/C8NV,KM*DVWNC&X[/\`66-ZNW#58SL+>M#E
M]PT&"W_4=J;<WEG<M#FUK,KVEMOL?(UV9HMRS,^6BK,E5DS-'.R>U+<U;T[K
M(UPI993(O8O86C\%D3';&T85"@[:*II45Z/Q]YSW=.\66]S[O9S7=KO$FXP+
M)8VCQ0/-9+ML]I#&8=,6W3V$<-K+8(!;-%;P4C#1JW1PJ*F%%1TE&)ZFI%)3
M04PJ:V=JFLJ!!$D0GJZE_745,NC5(YY=B2?K[#[-J9FH!4UH,#\OEU`MQ,;B
MXGN#&B&1V;2@THNHDT51A5%:*!P%!U)]UZ9Z][]U[KWOW7NO>_=>Z+?6?%/J
M"O[MB[YJJ'<DFZH\Q0;ODVW_`'MSPZUJNR<3M5]A8GMBKZ]^\_NW4=EXO8;_
M`,&ARC0^1:)(B5,T$$T1PN^[BNW?NM9%\#04U:5\3PV<2&(/35X9D&O37B3Y
M$@RW;^]G/EM[=/[9PW-H-E-N]J+CZ:'Z];"6Y%[+MJWVCZA=ODO1]4]N&H92
M]"(Y98W#[!?`/XWX#;._]IP8/=]?B-]X3"[3I3F.P=WY+(]:[+VIN63>VQ]E
M=/Y6HRIR/6FV=A;VD_B^&@QDD3T-=%`RN4I:2.!9)S7O4L]M<&9!)&[.:(@$
MCN@C=Y12DC2(-+EJZ@6Q5F)%.Y?>?]V]SWCE??)-RL(K[;+F:Y;PK&UCCO[N
MYMQ9WEWND:Q^'N%Q>V@^ENWN%830M*"H:>=I,>8^`?Q\S>Q=O;'JHNQ*:7!Y
MO?6?R&_,7V;O#$]H;TKNUXHJ;MV/?F_<=DJ?.[GH.TZ2GAAS-/,XB:*EI13+
M3?:4A@U'S5N\5Q).LD9!6)0AC0QH(36'0A&E3&:Z2!7N;574U;6'WGO=/;N9
M-UYBADVITN;:R@2RDV^UEVZT3;"6VLV=D\;0V[[<S.]JZC4&DF,IE\>?Q%5-
M\+^@7[0VMVI2[:RN)R&TAL>HH=FX;<N:Q?6%?G>K\+)MOJ[=F<Z[I*N/;66W
M5UQM^7[/#UDL)>EABI[AWHZ-J=D<Q[M]'-9-<!D<2`L5!D"RL'E42$:@LC"K
M`'-6\F:I+']X/W07DW>N2IMXAGM;[ZQ7NI;>*3<4AW&87&XVT-\RFXBMK^<>
M+=1*])&:7*K<7`E36'^`7QFP]%V3B&VGGLQ@.RMM979,FWL[O7=.3PNP-E9O
M<[;YR>TNHZ27)JW6.$GWUX\TB8EZ>6GR%-2M"\:45''`\_->]N]I+]2JS12"
M34$4%W5!&&EQ^H=`T]]00S5!+L2;W_WH/>&_N.4;X;Y;0;GM%Y'=B>&TMHY;
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MJZAK)FGP,M6CO33+$9#**:F$+8YEW<074#W`<RM*2[*ID4ST\;0Y&I?%`H].
M()I34U2J#[PWNC'R_P`S;!<[O;W3[I/N$SW=Q;0RW]N^[@#=_H[QD,MJNZ(`
MEZL1`D4N%T>-,9,'87PHZ1[0.#?>'^D+(3XI]ZT&5JX^S-YP5V^]B]A;T._]
MU]2=B5RY8UF\>I:[<B1-#@:MVI**CA6CIA#1O-!+NUYEW2R+_3&)02A`\-*(
M\<?AI*@I1)0I-7&6;N:K`$.\K?>']Q>31N2[#^ZHHYQ:/&IV^T*6=Y8VGT5M
MN=BABTVNYI;E@UY$!+-*YN)O$N%CD10P_$WIJ'N3)=V?PS/RY[*U^6W%5[0J
M-TYNHZL._=P;,'6VX>S8^MY:IMKIV#GNN=6"J\AX+RX^:<%/+4U$LK)W_<CM
MZ[=XJ^$JJ@;2/$\-7\58_$IJT"3O"U^(+Y*`"J3WP]P).0+3V[^LM5VR"**!
M;I;:%=Q^B@N_KX-O-^%%P;&&_I>1P:^V=8SJT11(B+P'P1Z#VYL;=VPJ*+L*
MIQVYDV!28C-Y7LS>65W?UGA>G\O4;BZ4VYU/NFMRDV7V)@.FMQ5<U?MZGI9/
M\FJIY6G-0)9`RF7FC=IKF&Z9X@ZF0L!&@61IAIF:50*.TRT5R>(`I2@Z$.Y_
M>6]SMVYDV+F>X?:DN[,WK2PQ[?:QVNX2[I$L&[S[E;)&(KR;=8%2&^>1?U(T
M01B(HI'>?^"70>X]E[,V/70]@4]!M2'?F/RV8Q?9>\<7NOL[`]NYJGW+W3MG
MMS<M%E(<IO\`V_W+N:DBR.XH*Q[U57&KPM`%`]^BYHW:*XGN5>+6YC(!C0K&
MT*Z86B4BB-"I*QD<`<UZUMGWE?<[:>8>8.9+:3:VNKYK)XHI-OM9+;;YMKB:
MWVFXVRW>,QV4^U6[-!8O$/TXF99!+4GI:R?$[IN3N6D[M.,SZY^AR6+W/3[0
M3=.;3JQ.PL'LY.N,'VF.MEJAM=>QL-US$F"ILD(`8\?%$`GF@@FC3?O[<AMY
MVWQ5\(J4U:1XGAL_BM%XE-7AF3O*U^(G-"00\OO?S^G($_MT+RU.V20R6[71
MMH3N)L9KHW\VW?7Z?J/H);\F\D@+T:=G[O#DDC?CW7\4.I.^MP8S<^\QO7%9
MJFVY6;$S];L'?VZM@2[_`.LLE7KD\KU;V$^ULECI-T["R60#2O23$21>:=89
M8DJJI9O;;ONX;7$8;9HS'X@D4.BOHE`H)4U`Z7`\QQHM02JTW[>>]_//MEM=
MYLW+YVZ?;GNUO($O;*VO19;A&GAQ[C8BYCD%M>QI11*H*MIB,B.T,)CAO\..
M@)MRUN\*O:>0KMSY?<O:FXMQ9FMW3N:IJ]TP=R;1I=A[UVAN7R90Q9CK]MGX
MC$T&/P<JG'8J'!8TTD4+T<;^W/ZR;N($MEN`(%2)54*H"^"YD1UQB3679G^)
MB[ZB0QZ4+[_>Z$>T6^P0;Y%'L\%GML$$26UNJVS;5=->VEU;TCK%??52W,T]
MXI\>Y:\NQ.\BSNO0S]9=>X3J?K_:'6NVJS/UVW=D8.BVY@I]T9ROW+G5P^-C
M\&-I:_.Y22;(9$T-&J01O,[.(HU4DVO[*KJYDO+B6ZF`\5S4T%`3YG[2<D^9
M)/4>\X<T[CSOS1OO-V[P6L>Z[C<O/,+>%+>'Q9#61DAC`1-;5=@H`U,Q`%>E
MU[3]!OKWOW7NO>_=>Z__UKV\KV?V3LOI[9O?^W>R-[TW9WRIZM^8*]H927>&
MX\EB\9D<'OC$TW6NZ]G;5RF4K]J;'R'1.#J9,3B7QM+1H:2;_+153!9!+\>W
MV-QN=UM4ME$;*QGL_#&E02"A\1'8`,XG;O?43D=ND8ZZK67)O*',//W,'M?N
MO*6W/R=R5O7*W[NC%K!'))'-9RMN%M=7,<:7-XF\S*MU<B>24^(O^+F&.JD=
MY-H4L'R-D^#L>YNQW^.E9W3M_<<NW_\`2MV7)N.#&3?%;>.^J[K)NR9MTMV.
MNULOV3M^GW9)3+ES*:H31:A12M3^RCQ0VQ_UE,$/[V%JRZO#337ZI$$NC3X>
MH1L8JZ>%/Q"O4:)OLTGM*OWCWV?:1[L1\O3P"?\`=NWB!I!S):V:;A]`+;Z#
MZF*PG?;5D-KI$?AOI-PBR]`IA=Z=C;]ZFWQVWN3MOL5^P/B%TST?5]2[H@WK
MGL;C\]GU[M[CP&ZM\;VP6-JJ/!]B9+MC:'7N.V[ECF*6M@FITJS3K%-532$U
MFM+&UW&SL(=OA^DW"YG\5=`)5?`A*HC&IC$32-(FD@@E:U"@=2'N'+W*?+'/
M'+G(VT<C;2.5^>^8-X7<[<VD,CPP_NC:I[:SM)I%>:QCVRZOI[ZU^EDA=)#`
M)6>.&-`H>Q=\=B];[*JOD]M/L;L?'=G]U9;^8#M#>6&R6[LIFMO8K"]90]R+
MU`^#V/EI*O:6VJGX^IUG1&GJ*.BI9IUGR)K7F:LD(9LK.RO+O]R7%E";*V7;
MV1@H#$R>#XNIQ1F^H\5J@D\$TTTCHKY3Y;Y3YMYBA]G-\Y3VB7DWEZ#DFZM9
M8[:.*>67<#M7[T$UY$%NKA=[.X3>(DLLBH4M!;+&($J(^4ZY?:O?U#\)Z#LS
MN"MZ%WQOWI7<NY:/)=I[SR6ZM-=TQ\E-U;RV.W8]5EVWYC,+VWN[IC$YO(TM
M)DX/)*<DL(B@K98_:*.Y2XV:3F1[&W&Z1Q3JI$:!?[:W57\,#06B2=T4E30:
M*U*`]!&SYL7>_:^Y^\1=<G[#'[F[;MF[6]N\>W6D=M5-VV"VM+SZ!8OHI)ML
MM=VN;2"26W?2OT9D+R6R-T$JS[]WKU]W;DL]WEVTF8^$?0V_MP]([GAW]F,=
M-E]X;#^07R2VYA.QM]G'S4</9V0J=F='XG;%:N<BR%+5T\N4+(T]?-)[,66S
MM[S:EBVJW\/<[N,3+H!TK);VY:-*U\,!YWD&@J0?#\D`Z'1BY8Y>YI]NK3;/
M;?8CM_N+S/90;O;FRBD$5K>;'L$\UA9ZPQV]%N]XN=QA-FT$D3K9:6$=M&O1
M@NN<AND=L=3_`")GWOV'5;T[A^:?>?Q]WIL?);OS%3LJEZAV_M;NB':&QZ78
M1G?;&(JNL\GU-0Y6*OIJ.FR,E75Y)JB=TK9$]E%Y%;?0[CM(M81;V^UP3I($
M&LREX2SE_B/B"9D*DE:!`!VCJ+>;+393R1SQ[41\N;4G+VP>WFS[W:7D=K$M
MVVZ3W.TFZO&O:"XE7<(]SFMFADED@6*.S$4:M;JW7'OW.;FJ>Z/DGVO_`'RW
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M-M8V5W?S[;-91&TLIK,QC0H)!B8R([`!G$[`.^HG([=(QU*VQ\J<J<T\X;K[
M=;URAMC<I\E[ORLVWQ+:P1O*DVWSR7]M=7$<:7-Y'O$\:W=RMQ)*WB*?IS#&
M64C,VTJ5/D?+\'4W'V(WQSG[KQ.XWVZ.UNS7W##C)?BIN'?53UBW9,NZSV0N
MU:[LK$P[L:E7,&0U>N+4**0TWLL\3_=&.9?`B_>_TK+J\..E?JU3Q?#TZ-8C
M)BKIIIH?B%>H^&^3-[2)]XYMIVK_`%V%Y=E@$_[MV\0&0<R06:[A]`+;Z#ZE
M-OE?;!(;73X6EZ&X42]`I@M\=C;^ZFWAW!N3M;L*3L/XD=/?'ZHZHW-#O3<.
M-QN=SLG=/;&"WAO7>FW\;5T>"["R7;^T=CT&W\N<O25L,M,E2:989JF60FDU
MG8VNXVNWPV$7TE_<W'BKH4E5\"(HB,:E!"\C2)I((.FM0H'4B[GRWRERQSSL
M'(6T<D;4.5>>M_WM=RMS:0220PC:=MFM;2TGD5YK&/:[F\FO;46TL3K(T7C-
M)'$B`S'2V1W+1]W_`!Z[@_OOOI]Q_)SN_P":'7W;.TL_N_.YC:U3M'K&O[<K
M>J\'AMF5U7-MO:E3U#3]6T>-I:G'4M'4RID*\U;SRU;D$FY16[;;O-A]+%X5
ME:V4D3JH#!I!$)6+CN;Q3*S$,2*JFF@4=0][AVFSS^W7NIR'_5S;1M/)W+G*
M=]MES#:PQ7*W6X)MB;E-+=HHGN5W1MQEN)(YY)8U,%KX"QI`H*]WS\Z=_83Y
M49OI_:NP:3<.QMB=G=5]3;KQU#L+NW<O86X:[L?#;3S&?W]MW>6U-GY'IW:.
MV>K*/L/%U-=C<Y6K7Y*CH,E*DM':A%6CMN5K:39(=PGO-%Q+!+*I+PJB^&SA
M(V5G$K-*8W`9%TJS1@ANZ@9Y;^[9RQN/LKMW/F]<T/:<R;ELVY;G;2/>[1;V
M,"6$MS%!93VMS=1[I=7&XM8W,<,]G"8;>6:S1DGK<F`(NPOEG\F>QNF?D+0[
M;HNN>J]]?'KM/I3I+>NZ<-N;-9NERW<N1[_V11;HCVE2XNIAW)1]29;JS<&(
M?[BNBI\K-4YFOQP1)<;+,ZVRV78[?=-N#--/;W$4LJJZ!:1?3,ZZB1I:4/7X
M24&A6.&IT.N5?8_V>Y4]P?:RXW:XW;>^6^:=EW;=[2VFMXH6BVI-DNWMS<M(
MIMWW.+<8;H:(6DMD2UMKHLR7:1K<G3^?P0?=&$U/AC^X-.'6`SZ%\Q@60M((
M3)?2&)-K7Y]QZ:5.FNFN.L`)?"\63P0W@ZCIU4U::XK3%:<:8KUF]ZZIU[W[
MKW7O?NO=>]^Z]U3#O'=N[:'LSL'Y*4FZ]Z?W\V%\[\+\;<%M"'=NXTV3D^D5
MZXVOC\AUJW7Z5\FU*N;<NX-Q3[G;(R4+95<K'3O'4+3P1P^Y)M[6V:SL]G:W
MC^FEVEKAGTKK$WB,1)KIJ&E5$>FNG1J!%23UT&V#8MBN>3^5O:*?9-O_`*L[
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MU:SK10CVDDFBM-OL]]CV^W:_N1:+(&C4J06N1(P0C2IG$"!R`">^E-1Z#-_S
M':\L<F\N>]]AR/L,W/?,<?+EO?)-MUM+;R+/-S`FX2I9-&;2!M[3:K9+EX88
MF/\`C9@,1N)#TP;"WEV)O[:F$^76XNR.Q9NU]A]K?"#K?";8QVZLEB=F9O97
M9O7OQ[F[0V[4]>8YH=J9>3N3*]S9++FJJJ":MIYZ?%FEEB2AB!>N[2RM+J38
M(;*$6,MO?2%BH+J\<D_AMXA[AX(@1:!@"#)4'6>C3F?E_E3EC?-Q]BMIY1VE
M>2-SV3F^_FN)+:.6[AN]OOM\&W3K?25N8AM4>TV]KX<<RQ.DEZ)D=KESTF*C
M(=@[&ZTZ;W3M[N_MAMS_`#8Z*CS?=.Y9M]93)/A=V;D[]^-VWW[&V)29">LQ
MG6>0Q&S>[<MMB@_@BX^FIJ>/&%8VGH89/;Z1V5S?;I#+M=OX.VW=(5T`:E6W
MN#X;TH9`7@25M>HD^)FCGHYBM>5N8^</<#9=U]N=C&S^W?,IAVFW%G'&)K:W
MV7?IQ87C($DW!);K:+;<9OJS/)(YO*L([F1>A=H>O?X_\@Z[X05G8';])\?=
MI]F]G[BP>-H>UM\4.ZWI8OCUT!OC;&P4[+@S$'855@>M-]]KY+<&-II<G4^*
M1L;',9*>CBB):UPL.RQ\RK9VYW5X(E),:%:BXG1I/#IHU2)"L;'2*C73+$]`
M.YYI_=?M9;?>,@Y6V%_=*^V?;H)I'VVS>VU'?-[L[B].WM$;%9MPL]MM[&>1
M;>/4HNVCTRW#OT#.V.RNR]\]4U/RBW/V-OZM[3^/V*^!>&V'24^[L[A]LY2G
M[`J>OHNV\AN79F%J,?MS=TOR"I-ZSI6RY"AGDBABHOL6IVIDD)I/86%MN*;)
M!91"QNVORYT@L-`D\(*YJR_3F,:0I&2VJNHCJ0=YY0Y0Y;YWA]F=GY3VN/DO
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MO+[6\?T0L(9=85=9E:XC#2>)35WHYBI4KITT%5!ZDK;N4.6=Q>U]AI]EV_\`
MJ7%R=M>ZBZ6V@%Y)N4^]V*3W_P!?H^IK=6MU)MHA$S6RP>`(XO%B23II2'.[
M'RO5/16+['[,RNS/E#L+X3[O[BR^7[+WME=QY3<V_.QMVT';^9PNYJK/2979
M#=_X;%PX_*PX2IH*>.*%SCXJ21WD-],%S%N.YO90K<64UZD0$:A0J1J8@5`H
M_@,2R%PQJ1K+``=+FDVSF.QYW]R;WE'9X>8.3-SYNM=KBBV^TC@CM[.PMGVN
M*6W6$1WG[DED>>V:[CF=F=1=/.BJ@PE<]OB?N#I;*]D=E8S:/Q6V!\W-T=-9
MK%]F;ZQ>X,5N?K[LW`4/4&X\]NBFST.<WQ4="82KEQ6,BS,V2HYH9+Y".LF5
M7&]$%LNV;BEE"T]]-8K,IC0J5>)C*H6E$$[`.VG2:CM*CJX_=?+D7(7N'9<H
M[1-OO.NZ<HV^ZQ2;?9R026]]M\[[I!#;M"8;-=ZF5;FX:T6WE5UI:M!&2I5N
MT^P-[[HS^P?E/7[PW7CNRLK\S?C]\>ZK;T>ZMR1;"?IO?_3W65+NO84?7)R)
MVBT>6W1O2LW>E=)0_P`5BR20,M2M-`D/MBXLK2".[V-;:,V:[9<3AM*Z_&CF
MD*R>)354*BPTKI*U%*DGHCWSE;ES9=LYG]EK78;&7E"#V^WO?%G-M`;T;K9;
MIN#6UZ;_`$?55BM[2+:S"LWTS6YE!A,TC2=&3^87S9[!Z&[6H^LNMMC8S=61
MPW4<7<V=H*_9/<6^LOO^&NW3G-NX#JG8D?46V-Q0[(W5N)=H90IGMQ`XFGJ&
MI(OMYU>IEI2+8.6K7=+`WUY=F.-K@Q`AHD$85%9I7\5EUJNM/TX^\C4:B@!B
M+V%^[MRM[F<DS\X\W<R365I<;Z=IA=+O:K.*R*6T,\^Y7AW.X@-Y;0?56X-E
M8GZET$[^+&5B29)=C?+CO7,Y;Y/]-;?VQLW9.X.L?CQVAWO3;^FS];#F<;UK
MNKK:JJN@I:/:<,]5G,=VO1;WILK!N>"I5*#&082"H@>7^+4L<3]CLFSHVSW4
MD\LHENH(C'H["_BLLWZE`K1%%!CTU8ZZ,!H))YRG[%^VFWV?LWS]NF\;AN.V
M;QS5MVS-9"!##)?V^X*N]!KHA89-M>S-N^WO&6FN'NY(I53Z&=W/I\=,CN[,
M=`]*Y??N3HLUO/*]6;$R6Y,O0"O%-E,K7[9QM54Y`?Q227(--5M+Y)6E8NTK
M,>+V`7WA((]UW*.V33`L[A1Z`,104\AY?*G6,ONQ:;%8>Y_N'8<LV<EOL$&]
M7L<$3Z-4<:7$BJGZ8"46FE0HH%`&>/0S>R[J/^O>_=>Z][]U[K__U]T+&?"/
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ME_$*^'2G]K^I7CK`(-`!TI;[QO/3<RIOG[HV`;*NU-MO[H&VVPV7Z)[D7SP?
MN_3X?=N`&X>(&$HNU1UD541%R97X*_';)U/6BP;=W#@MO]9;7V7LFGV1M_>>
MY,;LC?.T.MMQ2[RZYV]VGMY<A+3=A4.R-Z5-1EZ)L@9)WKJNI-1)/'55$<NT
MYHWE1=DW"M--(\FMD4NCRIHD:-J?IETHITT`"KI`*@BME]Y3W7LXN;S+NUK<
M[IO%[=W;7D]I;R7=G=7\`M+^?;I]`:Q>\M%2UF$`5!#%"(EB>&)TG0?"?H!=
M^;[WWDL!G=Q?W_H>RJ*MV3N7=F>S76^W7[JB2+NK(;+V565C8G:^4[;*%\Y/
M3`-.\LYB\/W=7YZ'F7=_IK:V2=4\(Q4=542-X%?!#N!5A%7L!X`+6NE:)9?O
M$>Z!Y9Y:Y:M-TMK3]UR;>Z7=O;0PW\XVDD[2EW=J@EN(]LK2S20D(%B#^)X$
M'AIN@^`W16/V+E-G15_:E1FLEN_:6^J?MO(=H[JR/=6#W-U]AY-L]?5N![)K
M*N;,X^#96TZB?%45-ZZ9Z"KJDJ4G>LJWG=?FG=7G68^"(A'(GA"-1$5E;7(#
M&!0ZGHQ/$%5H0%4`WNOO.^Y5US)9[^]MLJ;=%875FVV)MUM'M,UO?2BXODFL
M$41.UW<A+F63$@FB@:)HEMX%C[S7\OWXTYG&]<X0;<W/B,'UYMJ'9,V&P6^-
MSXW']D[(BW2-]R;0[A2/(-+V9@Z[?9ES-4N2>6:JKZNK,LCQUM9'/M.;-[22
MZF^H1I99#)4HI,;E#'JBQ^F1'11IH`%6@!12/;?]Z/W?V^\YLW'][6<^Y;K>
M&\$LUG;R/87AMOHQ=;62@&WS)9Z;6,VX5(X8H`B*]O;O$L*/X==+X_MO<'<M
M#!O*CW)GJG=^;APM+OG<=/LG;&^>P-OQ[4WUV;LW:4-:F+VQV/NS;D7VM7E:
M95FTRSR1B.:KJY)T[<Q;FUC'M[/&85"+4HI=DC8ND;M2K1JQJ%.,*#4*H!#<
M>_GN%=<C;7[?W,NWR;1;):PF5K.!KNXL[&<W-GM]U<E#)<6%M.?$BMI"5JL2
MN6C@@2/%7_#?IS)[UV'ONMF[!J,OLK$=9XK)TDO8NZI</VI+TM6OF.H,]W10
M2Y"0=G;GZXW'*^4QV0R325+9`K+4M4"*!8MKS'N26]S;+X0CD:4C]-:Q>.`)
MEA-/TUD4:65<!:A:5-;VWO\`<_6?+W,O+5NFUK8[C/N$D;"QMA+MHW9!%ND.
MTN$'[OM[^`"VG@@"QB#4D(BUR%XN.^$G0%%F.S,A6X+<6X<-V?MWL;:59L3<
M>\=QY38.S=N=RYF/<W<F)ZTVPU?%2[#@[3W3!%D\N]"R2FK@C-,]-&BQBS<S
M;NR6:K,J2PO&X=44.[0KHA,C4J_A+55U5%"=6HFO3UU]XKW1N+#D^UM]SM;7
M<-FN["Y2\@M8([V[GVJ(V^U2[A<:"UZ=MMBUO:B8%?"=_&65V+]0%^$/4J[#
M?:(W/W)_>E^P8.U&[P/:^Z3WW_?ZEVFW75-N`]F&H.29H>KY&VP*5HS1-A'>
M%H6DD>5M_P!9=P-QXOA6_@>"8O!\)?!\,OXA7PZ4_M?U:_%KH:T`'2D_>,YY
M/,J[X=GV#]RC:CMO[G_=MM^Y?HFN1?M!^[]/ABNX@;CX@83"\"R+(%54&;*?
M!KX\Y&LZT:GV_N+`X#K+;&Q]E4VQMO[SW)C=B[XVGU=N";=_6.![1VVN0EI>
MP:/8&\JJHRV/?(&2=JVKJ34R5$=3/')Y.:-X479,ZM+-)(^MD4NCRKHE:-J5
M36E%;304"Z0"H(I9?>1]U;2#F\2[K:W.Z;Q>WEVUY/:6\EY9W.XP"UW";;KC
M0&L6O;14MIQ`%00Q0B)8GAC=55L[XG]0;'[AS7=F&I=T5&Z,C7[TS&%PN9W=
MG,SL;8.?[.KJ7*]J;AZ[V?7U4V(VCF^S<M1I59F>G6\\[3-&(1558G8N-^W&
MZL$VZ1T\`+&K$*H=UB!$2R,!5A&#10?(+6NE:$N_^]_/G,?(6W^W=_/9KLT4
M5I%++%:PQ7E[!MZ-'ML%]=(HENH=OB<QVJ.:(@C#Z_`@,>'<OQ,ZIW1VZO<E
M35=@XG.U69VGNG<VU]M]B;JV]USOO>?7\-%#U_O7?>Q<9D(,'N;<VS(\51?9
MS3IXY/X=1?<QU`HJ00[AWZ_@L18+X31!'169%9T22ID1'(JJO5JTSW-0C4:W
MV?WQYVV;D4\@10[7/MJ6]S;6]Q<6-M/?V=I>EVO;2SO)$::WM[LR3>*B'4OC
MW'@M%]1/XB);X"?&]=L9C:E'@MWXN@W%UEC.L-R5N+[$WG19K<E-@>P*GM;;
M>^L]EXLP*S+=K[;['R5?F*/<LS-E8ZO)U>J5XYC&%+<U;T[K(TZ%EE:1>Q>S
M5'X+(F.V-HPJ%!VT52`"*]"(?>>]VVWBQWNXW.QFN;3>)-PMTDL;1XK=IK%=
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MSAFLQLYMWM!<_30_O!=OEN1>R[8M]I\<;?)>_P"--;ZO[5I`&$4LL;AY@O@#
M\<\#MK?VTX<7O;(8K?."P>T<>^8[#W;D<GU?LG:.YGWOL39?3F6FR0R/6VV]
M@;W9<OAHJ"1):.M@IR)&CI*2.!7)S9O,D]M<&6,21NSFD:`2.Z"-WE%*2-(@
MTOJP06Q5F)%6Y?>A]V=RWCEC?)+W;HK[;;F:Z<16-M''N-W=6XL[R[W6(1^'
M?SWMF#:W;3J5EB>4:0\\[R<,Q\`N@<UL;;^R:A^RZ2IPN<WYG\EV#B>S=UXC
MM'>];VS%#3=NP[\WUCZVGR^Y,?VA24M/#EJ=RD0CHZ44HI?LZ0PZCYJW:*X>
M=6B(*Q*$,:F-!":PZ$(HIC-=)\]3:JZFK:P^]![H;?S)NG,,0VAX;BVLH([&
M7;[:7;K1-L);:S9V;HT4#[<S.]LXJVJ6<SF;ZB?Q%5-\+.@V[0VMVE1[?S.'
MJ]I?W%J:+8^%W-F<7U9D<_U9A'VUU;NW.]>TM2FW\KNGKC;[+1XBKDCO3Q04
MQ97>CHW@9_K)NWT<UFTX97$@+E09`LK!Y5#D:@LC"K`'-6\F:I+']X7W/')N
M]<F3[K;SP7WUBO>36\4FXQP[E,+C<;:&^93/';7\X,MU&K=[/,`56XN%E3.'
M_E__`!IQ%#V1AWVWN7,8#L?;&4V0NWL[O?<^2PW7.R<UN@[ZR.T^H*9\@C]9
MX:7?2Q9F,8QXIJ:OI*0PR1QT5''`^_-F]N]I*+A5EBD$FH(H+NJ",-*:?J'1
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MWG%-3"%H<R[OX%U`\ZNTK2DNRJ9%,]/'T/2J^*!1Z<06I34U2N'[Q'N@G+_,
MVPW6Z6UW+NEQN$S7EQ;0RW]N^[@#=Q9W;+XELNYH-%XL=`ZM((_#,TQDP=A_
M"?I;M%L')O"H[)KZC&'>N-S-9%V9N^GK]_;![!WH=_;IZ@[%KUR)K-W]25>X
M5B$&#J7^WH:&(45,8:.2>"6UIS+N=D7^F\%02C*/#2B21Q^&LJ"E%E"DU<99
MN]JL`0YRK]XCW#Y,&XIL$6T113?221(=OM62RO;&T^BMMTL4\/1:[FL!;7>1
MC7-,WU$PDG6.1%##\2NG(>Y,GW7]AN.;,Y;(Y?<M7LJIW5F*CJG^_P#N'9?^
MC;</9T?7$E0VW%[`SO7+28.JKC$5EH)Y_P!L35-1-*R=_P!R.WIMWB+X2JJ!
M](\3PU?Q5C\3XM"R=X%?B"YHH`*I/?+G^3D"S]O/JK1=O@ABMUNUMHEW+Z*"
M[_>$&WF_"^/]%#?TO(X=0*S)%W^'#%&B*P'P/Z&VYL;=VPJ,]CU=#N5.OZ3"
MY_+]E[MRN\NL,+T[EY]Q=)[;ZGW365\N4V1@>F]Q5<]?@((&<Q5,\K5+5*R.
MK*)>:=VFN8;IFB#J92P$:!9&G&F9I5`H[2K17)\@-.F@Z$.Z?>8]S=VYDV+F
M:X&TI<V9OFEABV^VCM=QFW6)8-WGW*W1!'>3;K`J0WKN!JC1!"(2BD=[@^"'
M0NX]E[,V/6#L6EHMJP;]Q^9SF)[*W;B]V]HX#M[-4^Y>Z]L=N;DI,A'D=^8#
MN7<U)%D=P0U#*\]7$K4[TR@+[]%S3NT-Q/<JT19S&5!C0K&T*Z86B4BB-"I*
MH1Y'NU=:VO[R_N;M/,/,',=N=J>XO6LI(H9=OMI+;;I]KB:WVFXVRW9#'93;
M5;LT%BT8(2)B)5F)KTMI/B9T[+W+1=V&@W&F:H,GB]TTVRH]TYA.J$[%P6S8
M^M\'VH.MUJ/[MIV+A^N88\'3Y!8E$=!!"?&9X()XTXW_`'(;>VV^(OA%2FO2
M/$\-G\5HO$IJ\,R=Y6O$G-"00\GOCS\GM_<>W8NK0[?+#);-=FVB.Y&PFNS?
MS;;]?I^H-A+?EKR2`L2TSR=_A2R1MUW7\3^J.^=PXS=.\)=]83-T^W*K8FX:
MSKW?^Z.OY>P>LLAD!E<EU=V#)MC(4$VY-C5^0+R&G9HZB#SU"P3PI552S:VW
M?MPVN(P6QC:+Q!(H=%?1*!02)J!TN!Y\#1:@Z13WMW[W\[^V>U7FR["FVW&W
M-=K>P)?65O>BQW!$\./<;$7".+>\1**'`9'T1&6-V@A,<%_AKT%-N:OWE5[8
MRM?NC-;C[4S^Y<U6[LW+45FZZ/N/:%+L+>6RMS%\GXLQUVFT,/B*'&X.5308
MF/`XUJ2.*2D1RY_63=A`ELLZB!$B55"*`AA<R(ZXQ)K+LS_$Y=]1(:G2E?O`
M>Y\>SVW+\&\P1;-;VFVP6\26UNJVS[5=->VEW;TCK%?&ZENIKB\4^/<M>W8G
M9UG9>AJZQZ]PW4_7VT.M=N5VX<EM_9&#HMN8.JW5G*S<F?\`X1C(_!CJ;(9S
M(L]=DFH:-4@CDE9I/%&H))%R575S)>7$MU*!XKFIH*`GS/VDY)\R2>H\YQYI
MW#G?FG?>;]VMK6+=-QN7GF6VA6"'Q9#61DA2B1ZVJ[!0!J9B`*TZ7?M/T&NO
M>_=>Z][]U[K_T+W\KVIV=LSI[9W?VW^R]\0=E_*GJWY@+V57S[OW#E,/ALG@
M]\8JFZRW7LK:65R>0VIL:NZ,P55)B<8V-I:..2EEO7K5SA9!+T>W6%QN=WM4
MMC&;*QGL_#&E02"A\1'8`,XG8:WJ3D=ND8ZZJ6/)7)W,//W,'MANG*&VMRAR
M5O7*_P!`@M8(Y98YK.1MPMKNYCC2YO$WB95N;@3R2LLBTMC!&2A':3:J0?(U
M_@\F[NS)/CW6=T[>W%-ASVSV7)NN'$R_%?>&^:_K%^SI=TGLI-L9GLK;U/NJ
M2G3+^;[CS0AUH96IO93XBML?]93;P_O86S+7PX]-?JD02>'I\/4(V,0.FE*'
MXA7J,UWDR^TJ_>.;8]G'NG'R]/`)?W9MXMC*.9+6S3<!MXM_H#<1;?.^VJYM
M=&CPY"IN4$O0*87?'9>_>IM\=M;B[>[&._OB%TUTA5]5[DI]Z9S%XK<>X5[M
M[AP.[-[[ZV_BZBBP78V0[5V?UYC]O93^+TM;3O`*QJ9(9ZJ67V:S6=C:[C9V
M$.W0_2[A<S^*N@$JO@0E41C4QB)Y&D3200=-:A0.I$W'EOD_EGGCEOD?:N0]
MI_JQSYS!O"[E;M:0R200':-KFMK.SGD#S6";;=7T]];?2R1.',`F:2.%$Z47
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M2G$-/6R1A`EQ'<;-)S&]A;C<XXIU6D:A/[:W5'\.F@M$L[HI*F@\.M2@/01L
M^:+?>O:^Z^\1<\E;!%[D[=MF[6\!CVZUCM:INVP6UI>?N]8OHI)=LM=VN;2"
M26W>BBS:7Q);='(2K7=B[UZ_[MR><[W[<BS7PDZ'W[N+IC<T&^\KC)<_O+8?
MR"^1^W,-V+V",=)24_:-=5[)Z.Q6V*Y,Y%D*2K@GRK-&:BNDE!DT=E;WFU)'
MM5OX>YWD8F70#I22WMRT<=?[,!YWD705((CS1`.ATUMRGR]S3[=6FV^VFQ-M
M_N+S-90;M;FRCD$-I>[)L,\MC8^(&;;D6[WBYW"$V;02Q.ED`PBMD0F!ZZRN
M[O\`2MU/\AZC??8M7NWN'YI=Y?'S>.P<EN[+U&QZ+J+;^UNYH=F[+H]@F9]L
MX:OZTRO4U%E4R--24V2FJZW)FIGD2L=`47D-M]#N&TK:0B&WVR"=)`HUF4O"
M7<O\1$@F9"I)4`)0=HZBWFNQV+^I//'M5%RUM,>Q[![>;/O=K>QVL2WC[I/<
M[4;J[:]H+B5-PCW.:V,$DLD"QQ68AC5K=6/#OS<&Z9^Y_DGVLN]=Y4F;^*G8
M?PPVUU%MG";NW%@]J087LC/;*RG:N-W#M'$9&+!;SF[<QV^IL-5296DJY:>G
MH:0T)IIH?*WMJ@M_W=L=B;:,QWT-ZTK%5+5C5Q$58BJ>$8PXTD5+-JJ#3JWM
MCM6RQ^W_`+1<DMR[M\FW<[;5S9<;G<36L$UR9;"&[CVV2"ZE0S6@VR2S6[C6
MVEB5Y)IQ<B6.30"[[K[([)Z^ZTV_W9MCLS?</8?RCZX^8-/V-DJK>.X,KB\)
MDL#V7@<=UGNW9>U<IDJ_:FQLETCMS(RX;&-C::CBDII$-<M74*DH.+>PL;J_
MGVV>QB-I8S69C&D`L#$QD1V`#.)V`=]1)K73I&.I6V/E'E'FGF_=?;O>>3]L
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MNGM;!;RWKOC;N,J:+`]AY'MW:&QJ#;^5_BU)60-`M2U(D$]1)+[-9K*QM=QM
M=OBV^+Z2_N;CQ%T`E5\"(HB,:F,1/(TB:2#73JJ%`ZD7<^6.4.6.>=@Y"VGD
M;:OZK<];_O:[C`UI#)+!`-IVV:TM+.>17FL8]KNKR:]MOII8G#F$3M+'$B=&
M8Z7RNZ:7NWX]]O-OO?<V>^3G=_S/Z][5V?N'=V;S&U)-H=8U_;5=U5A,#LRM
MJ9=M[2JNI*;JNDQU/58VEHZJH7(Y`UCU$M42I'N4-N=MWFP%I$([*ULI(G50
M&UR"(2EG'<PE,S,0Q(&E--`O4/\`N%8[+-[=>ZG(@Y:VQ=LY.Y<Y3OMMNH+6
M&*Y%UN";8FY337:*)[I=S;<I9WCGDEC0P6HMUB2$`KG?7SMWO@OE5F.F]K[$
MQ^X-D['[+ZMZHW7CJ/97=6XNQ]P9#L?#[2S&<W[MK<^U-E9/J':^UNK:/L+&
M5-?09S(1U^1HZ')2I)2:*(5B2VY6MY-CAW&>[*7$L$LJDO"L:^&SJJ,K.)6:
M4QN`R*54M&#7NTAKEK[M/+NY>REAS_O/,TMKS%N6S[CN5M(]WM,%A`EA+<Q0
MV5Q;W-W'NEQ<[B]C<1PS6<#0P2S6:,L^JX,`3=A_+7Y,=B=,_(.CVQC.O.JM
M]?'SM'I3I/>VZ,7NG,9NBRG<^1[^V10[JI=I4V+:+<E-U+E>J]PX>;[NNAIL
MI-/FZW'K&DV-FF=98[+L=ONFWAWEN+>XBEE56332+Z8NNHGM,H?4.TE!H5B:
M,!T..5/8WV?Y5]PO:Z?>+S==[Y;YIV;=MVM+:6VBA>/:8]DNY+9KII*P-N<>
MXPW2^'"\ELJ6=O=%VCNXXUN0I_/X(/NC":KPQ_<FG#B`SZ%\Q@$A,@A\E].H
MEM-K\^X^-*G3737'6`<OA>+)X.KP=1TZJ:M-<5IBM.-,5X=9O>NF^O>_=>Z]
M[]U[KWOW7NJ9=X[RWC0=E]@?)*EW=O7^^NP?G=A?C;A-EP[NW$FQ<GTFG7.V
M<=DNNFZ]2NDVI5UNY=Q;BFW,V4DHFRR9.*F,=2E-`D'N2+>TM7L[/9VMX_IY
M=I:X+Z5UB;Q6(DUTU`*JB/373IU5&HD]=!-@Y?V"ZY0Y6]HYMAV[^KNZ>VDN
M_P`UV;6`WD>[F_N)([_ZXH+E4MX($V\6ZS"V-NTP>)II6DZ".@GWQM+!]&;3
MQ/<7;M9!\U.COC%NSNO-3]A9_)9ZAWOV7\@.FMM=A]A['R60J:T]95&^]F=I
M5^W%AP1Q]%110XYJ2&*>C21C!DM)Y=WN'VZW#;;=W*PC0H4I';S-'&X%/$$;
MQ+)WZB27U$AB.AS=1<M[YN/N3OE[R#L4<GMYS)S#;;1$MC#'"]GM^R;K<6-C
M>1HJ?O!;*[VZ&^+7GCRRL]V)W>*=D"\P^SLOO[L_>_Q/RG;_`''B>IND:WY2
M[GZ]R6#[1W;B-U4-5MS"?&NNZOPN2["I\G'O3<=%T%D.YLK48NGR-?6Q$+C%
MK5J%HHE*22:&TVZSWV/;K=K^Y%HKAHU*D%KGQ&"$:%,X@0.5`/QZ::ST&;_?
M[#ECDWESWNLN0]@GYXYCCY<M[Z.;;K:6V=9YM_3<9H[%HS:0/O2;3;)<O!#$
MV;PVYB-PY"?V%OCLG?VT\+\N=P]E]C2=G[$[5^$/6^'VGC-T9#$['SFRNSNO
MOC]-VG@*KKK'F':>9G[BR_<^1RXK*J@FKJ6:DQ1I988Z)`S]Y9V-I=2;!%8P
M_12V]](7*@NKQR3^$PD/</!$"K0-0@R:@=9Z->9^6^4>6-\W#V*VKD_:1R;N
M>R<WW\MU);I+>0W>WWV]C;9UOGK<Q#:HMI@MO"CF6&19;T3([7#$)FIRW9.Q
MNM>F]TX#O3MJ3='S7Z*CS?<6XY]\9')G;V[]R=]_'#;Y[&Z^HLC-6XOK"NP^
MRN[LKMB@7"+04M-!#BV$;5%#%(7DAL;F^W.&7:K?P-MNZ1+H`U*MO<'PY"*&
M0,\"2MKJ23)FCGHXAL>4>8^;^?\`9=S]MMC&S>W?,IAVJ`6<<?CVMOLN_3_0
M7SQA)-Q26[VBVW"8W9FDD=KT%Q%<N@%VAV'49_Y!5WPAJ^Q^Y*/H/:79G9VX
ML+2T/:^]J'>3T,7QZZ"WQM78"]H0Y>'L2KP76>^^V,CG\=3SY.I*-_#8IS+3
M4<<3%K3I#LL?,JV5N=T>")36-"E?J)T:3PZ:-4B0K&Q"BHUD4+$]`2YYEBVO
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MN1+;6K)*HBH0*S79W8&$CK_E_2;LWH>S,E\F.W>FY-DU>Z]P3;`QG56W_C]V
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M`ITM;]T\QV/._N3=\G;-!OW)NY\W6NV11;?:1VZ6]G86S[7%/;K"([S]RRR/
M-;O>1S2.607CSHJIUB+[EWO/V_TMD^SNS<7M7XK[`^;>Y^H,[B^S-[XS<5#N
M?K[LS`4'3^XMR[HILY#F]]S=$8.KFQ=!!FI<E15,4FK)1ULRJX]HM[9=LW%+
M&%IKZ:Q653&A4J\3&556E$\=@'8KI((["HQTX$V?ER+D+W"L^3MGFWKG7=.4
M;?=(9-OLY('M[[;YGW2"WMVA,5F-YF5;F9[18)8V%+1[>,E>E9M3L3?6Z<[L
M+Y35V\MVXWL/+?,SX_?'NIVQ'NK<<77S=.;_`.G^M*3=>QX^N/X@=I.<MNK>
MM7NY,C)1'+19".GTU*TL*P>V+BQM($N]D6VC-HNV7$X;2NOQHYI"K^)35A46
M&@.DK7&HD]$>^<I\M;+MO,_LO;<OV,W*L'M]O>^+<&V@-]^];+=-P:VO#?Z/
MJ1X5M:1;88%F^F:!I:PF:0R=&/\`F+\W]]=`=JX_K+KO9&*W5DL1U/#W+GJ#
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M$8]':9/%99AKPIBT*#&5)9M=&`T$DYY3]B_;6PM/9WGW==\O]QVO>.:MNV9K
M)8$,<FX6^X*F]JUT=,+[:UF;9]ODC+37#WCQ2+']%.[GQ^.F2W=F>@>E<QO[
M)468WGENK=B9/<F6QWW_`-KD\K7[:QM74Y!3E&?(--6-+Y)6E.II68V`-O88
MWA((]UW*.V33`L[A1Z`,104\AY?*G6,_NQ9[%M_N?[AV'+-I);\OP;U>1P1/
MHU1QI<2*J?IT2BTTJ%P%`&>/0S>R[J/^O>_=>Z][]U[K_]&^[#_W$^Y^1GD_
MT7:/]!W\P3^)?Z3_`/9CO]E3_AW^E+&?WU_V5W[7]_\`N5_%M/\`IE_A/^Y7
M^\WVO]U/]QVOW+3_`%5=II]37ZK;Z>']/]37P3H^HK^.G^XFOM\/5]1WTZZE
M7_\`67PO:?1^^M7]9.2/#_=W[A_K)XG[ND^D_K%JQ]7X5?ZJ_4_XM^[_`!OW
MW_C>GIZIO[G?W+R-O].'F_V</;GC\O\`IW_X<W_O+_LHV9^S\FO_`"#^_?\`
M=SQ^#R?[]+_0Y_$/NO\`<YYO;#?4^(O]A3]VO_OC]WZ?K!6GGX>K_F[]7HT_
MI4Z+IOW_`/U@M:_U=\/^H-Q6G[F_UOOI_P"L\6NE._Z+Q]6O3_NS_K5]+X/^
MZWP^D/N#_1__`'=^.NC_`$7^'_9>?B5_"_\`1I_LS?\`LL?\&_V8'>/]UO\`
M9M_/_EW^C3^-^'^X/\8_W/?WW_O#_>'_`'$_<^UJ?6?4;K_N37ZV[KXGTWU%
M?IEU?3>7B::^/H[/!\'P?U*="3:_ZT_O7W7U?OKQ/ZU<S>)^\/ZO?UA\7]QV
MOU/]6:=G[P\'5^^OI?\`$OW1^ZOW5_CW@]*G)_W&_P!-7?EO]&/W?\*_F-??
M?Z:_]F*_V5VWVV5_O;_H9U?[A?[W?\!/]._\/Y^X_C/]V_\`EX^V(_JOH-K_
M`-R=-=MIX/T_U''L\7\6GC]%J\O"\?\`!T26?]9/];WVRK^^?`\?D/1^Z/W%
M_6+XH_IOWK3];Z;^U_J;X_\`H?[O_>__`!$Z1>#_`+B?W`S_`-K_`'V\?^S#
M?%_Q?WE_V8__`(<,_B_^AC>7]U_]'7\7_P`I_BG\*^V_N/YO]P?]R?[R?W@_
MW(_?^W9OJO%752OT=W\/T_T-/'75KIY5KXOX_&\#PNS3T(=R_K+_`%FVSQOW
M?J_JKS%7Z?\`</\`4?POWM:_4?7>%V^'XGB?O?3_`(Y^]_W1^Z_\5^FZ2>\/
M]'7^C?I:_P#HL^R_V7*3^&_W"_V:?^X'\$_V9G<OVW^STZ?]_!_H,_CGVG\=
M_BW^_@_O[_>3S_[B/XC[51?6?O"^_P!R=?UV=?TNNOTHK]'^'QM-?#T=G@_3
MT_4T]'NP_P!;/ZW>X/\`R6OJ?ZVCQ/K?ZN?6^-_5Z#5_4[_0/WQX/B?1?3?X
ME^Y?W1X7^/?2=&;VA_<O_9V=U?YK^*_Z:/E)]Q_=7_3]_HQ^]_T.9#^.?Z!?
M^8,_V>'^$?:?WV^U_P`@_AO\8_A/^Y/^)>R2?ZG^KL7Q>']+:?'X&NGC=OC?
MC^BK7PJ]VKPO$[-'4.;]_6'_`(';9OB^B_J]RYI^I_<G[PT?O5/!_?7_`!+_
M`*H>+XO[I\3];ZC]W_7?XG])UQWK_<C_`&8OKF_]X_+_``?^7W]E_>/_`&83
M^&_;?Z0_]^;_`,.":?\`(O\`3/\`??<?Z+/XA_E?]]?M_P"]'^2?9>]VWU7[
MJNOAI7<:Z/I^/AC7]!Y^#2GU.G'@ZO`[M75N7OZQ_P"M1S9_N)H^HYWU^!^X
M_$U?0_XW_4C\?[IT:/ZQ>!^E^Z?%_<WZ_P!1T']!_<3[CY,>3_1MH_T)?S`/
MXG_I7_V8_P#V5[^&?Z8<1_?7_98OM/\`*/[F?Q?_`)G%_"/]RW][/L/[J_[C
M;^UA^KKL]/J*_5;?3POIOJ:^"='U%<:Z?[B:^SPM?U'?T*;K^LWA>T&C][ZO
MZQ<D^'^[?W#_`%B\3]U2_2?UAU=OU?A?\JM]5_BW[M^J_??^.=.\7]SO[D57
M_,[_`#_[.+B-&K_3K_PYM_>;_91*_P"W\G_+O_O]_=O3XM?^_1_T-_=^;_<[
MY/;!^I\0?V%/W:W^^/W=I^L'#S\/5_S=^LTT_2IT7O\`O_\`K##_`,J[X?\`
M4"6M/W-_K??3_P!9TU4_']%]1753_=G_`%J\#P_]UNCI(9S^X'\$^.7C_P!&
M7B_V7[X;?PO_`$9?[,Q_LK?\'_T];P_NG_LV/W/^6?Z._P"->/\`T<?QC_<[
M_?7^/_WC_P!Q7G]JT^K\?=:_4U^MO*^)]-]37Z==?TU,>)I_W(T=GA>#X/ZE
M.C_;?ZT?O+W9U?OG7_6GFKQ/WA_5_P#K%XO[EM?J?ZM:>SZ_P=7[^^E_Q/\`
M=/[K_=/^.^%T87H?^Z7^STO_``[^&?QC_23\T?\`B_\`^F[_`$6_<_WX3^\O
M^RD_WI_WXO\`I@^Y^S_TQV_R3^.?Q3^`_L?Q/V3[I]1_5EM>OP_I['AX'B?`
M=/U6G]3PJ5^D\_#\/Q<Z.HJ]S/W[_P`#8/J_'^@_='*?]C^Z/WCI^C/T_P#6
M;Z;_`!S]UZ?%_JM_HOT?T?[S_5^CZG=C?W*_V<[?/W_]^_XQ_IT^,_E_T7?Z
M?_\`0!_&/X7U5_=7_9L?[M?[\;_9AK^;^YOA_P!P7C_NC_>+C[7VW9_4_P!7
M[/1H\/Z.Z_M/`\;3675]+J[_``/]_?Z)_N1X7GTFY3_K#_P/W+7TO[M^@_JU
MS!3]X_N3]]>%XNY?4_U:^H_QS]Q_#^]=7^.:OW[^ZO\`1NBA8[_1G_HF[NM_
M<O[/_9=^J]?]PO\`9M_[V_P/_9U]]_8?Z>M?^YS_`&<K^\'D_NCX_P#?P_W]
M_O']Y_N%\/L13_6?5;=7ZBOU4W'Z7C]"E?IO^773_:?@\'P-/ZM>IXN_ZX?U
MW]NJ_O'Q_P"M>Y4^L_JS]-XW]4K/7^Y:?H_U5\#3^\Z_XC^YOW3]/_NP\3K8
MUPMOX-B;?Q.W\,H+?QJ_\9M]K%_Q=M7J_B?_`!WOSY=7N'I?[23X?B/P\./E
M\O3Y=<FMQ_Y*%]7P?[9_['^R^(_V7_"_X/Z-.G/W3I'U[W[KW7O?NO=>]^Z]
MU39N?^Z?^S\0ZOX7_'?]F?V/J^[_`--7^R]?QK_9:J+[3^/>+_C'/^S\_P!V
M_/\`PG3_`+@/[F?PW[G_`'._:>Y%@^H_JO\`Z)X7[ODX>#XVGZG-/]$^AU4U
M?Z)XOB4_2U=9_P"S?OS_`(&-]/C_`+M_J9>?#^Z?WYX7[_?5X-?\?_J5]1H^
MIK_CO[V^L\'_`'6^/T4787^CG_1+VGX_[N?PW_0#\=?N_P"]O^S4_P`9_@W^
MS'X?^&?[(3]U_O[/]E[_`(W]U_HE^Q_W/?WW_@?W_P#N)_A_L0W/UG[PM*^+
MK^MN*:?I=-?I<_6T[/'I3ZK5V>#XVC]37U.O,W];/Z\\EZ_K/K/ZT;[I^F_J
MWX7B_N&7Q/ZYZ?\`%OWYX/A_UF\;_$_W1^\OI?\`'OJNI6[_`.X'^BC;GWO\
M8^W_`-(7SB\G]S_]F7_V<'[G^"[&_OK_`+,I_`/]RG\'\7W'^EKQ?Y)]A_=K
M^ZG[GV7MJW^K^K;375X6W_']-]+\3:/`U8KP^FKFOC^/^+I/L/\`6C^NV[?3
M^!XO[JY/I]5_5_\`JOI\6\^D_<'C?I^+71_5G5^KXW[W_??;]1T)='_<O_9F
M.G]7^B?^*_WK^#W@_P!&?^G[_93ON_\`1'A?X!_?#Q?[\S_3U_#OO/\`0_\`
M<?Y%_!/X#_&?\N_AGM*_U/[HO_\`<KP_!OJ^)]/]33QCJT_C\&M/JZ=VOQO#
M[-?01G_K#_K0<^4_?GT7T/.&K]X?N3^LNG]YR^-]+7_&_P!R^)X7]:?#_5^K
M_>G[O_Q;ZSH'-J?Z.O\`1UWI?_11]E_LN&\OXI_I`_V:;_1/_!?]F6VQ_$O]
MD?M_N?\`]"G\<^Z\7\'_`-_!_?W^[7V'^XC^'^S&7ZSZ[;_]RM7UR4T?2^+J
M^E:GUGX?%TTKK_3\'ZC5^IKZ'^]?UK_K7[;_`/)<^H_K=:^']%_5S]Y>-_5^
MX\/^M_\`H/[V\'P]7U7^)?N;]\?4_P"/?5=+K)_W&_N3MS[C_23;_9G^_P#7
M_=S_`&8G_AQ_^-_[+YM+^\/][_X9ZO[R_P`&^Y_O3X_]^]_H[_N[_!/]RGV/
MM'']5XCTT?[@VOQ?3_0:?J&TTK^&M-'^B>/X_B_IZN@U9?UD_K#NOA?NFO\`
M4W9*>/\`N+^H?@_ORY\#Z7Q,?3^+X?[NU?X]^_?WM^\?\3^IZ45/_<?_`$F]
M$_\`,L//_<'^6_\`8_Z&_P#9B/\`94/#_%*+^Y_^GN_^XW[CS_=?Z"/XA^__
M`!+^%?WG_:_A_NC?5?2[G_N33Q-RKXOT_P!3P[_!\_3ZW3C3XG@9U]%4O]9/
MZG^Y?_)9\+]Z<^Z_WK^XOZRU\-OJOW+_`*)2GA_UR\#L^G^M_<W?]5T]_,;^
MX?\`&J7^(?WQ\/\`H@^1W_'Y?[,A_?'[/_3Y+_'_`/9N/[L_Y?\`\-V?WA^V
M^O\`E_\`"?\`BS?[A/OO;/+WU>A-&BOU5O\`V?TVBOTYT_2ZL?7Z:_T?$IXO
MZNGHM]@_ZS?N^;Z7Z#Q/W]L/^XG[A^EU_N4>!_5CZCL_KUX'B?\`"?J:?O#_
M`'8_3=+NG_NG_LZ&^-/]V/XY_IW[<O\`Q?\`TU?[*K_&?]E&SOW?G\O_`!CW
M_9T/[M>#^]-O]P'^CS^,_;?[G?N_:4_4?U>M_P"U\+Z.'AX/U.GZL4I_HGTF
MJOA_Z)X_A5_2T]!N3]^?\#YRYJ^M_=W]6=L_LOW3_63POZSPZ=-/\>_JI]1K
M_=W_`!-_?G[O\7_=;X'0`]<?W!_T"[R^S_B/V/\`=C^7]I_O1_LRW^F/[/\`
MTL;E_N1_LDO\<_W\7^B3[^W^@?7_`)=_>7^)?WL_R/5[-;SZO]YQ:JZ_$W'X
M?IO"KX2Z_K-/;XM/]S?P^%X?T_=U)_-G]:/]<W8/'\+ZGZSG?_<?^K_[JU?N
MRW^L_K=X/Z'[ST?\KG3]']W_`$?[C_QBG7+LC^X'^@_8GW7W?V/]S/GQ_P`>
MU_LS'^E?[#_3%@?[[?[/)_!_]_#_`*'_`.(6_P!/=O\`<E_>O[;^ZG^1:O?K
M3ZO]Y3Z:ZO%V_P"+Z;PJ^"='T>KM\6G^X7X?"U?4=W6N4?ZT?ZXW,G@:/J?W
MAR5_N1_5_P#=NO\`=4WTG]3_`!?T/WIH_P"5,_T#]V^-^^_\8IT/]5_=/_9U
MMJW_`+K_`,<_V8/J[5]K_II_V5?^-_[*;@/MOX?I_P",=_[/#_=GR_W<T_[]
M_P#T??PGS_[G_MO94/J/ZNS?VOA?13?[Y^IT_5FM?]$^CU4\3_1/'\6GZ->H
MOB_?G_`\[U3ZW]V_U5W'XOW3_6/P?ZS3ZM=?\>_JA]1I^OK_`(]^^_KO"_W5
M^+T_?/O^YG^FR?\`O/\`WFU?[+!EOO/]"_\`I[_OE_=G^^6<_BW^S6?Z(/VO
M]D\^[^VU_8_[^[[C^-?PW_)OOO;/*OU/[NA\"G_)0%/%\#1JT"GTWC?\2^--
M7Z7]EKSIZ+/NP?U@_P!;N']S?1T_KG%H_>W[E^D^H^DA\+^K?[TS_6G3XE/&
M_P!UFC]W?5_J_3=!1E?[@_[,)VQK_P!$OW_\?^:GF_O7_LRW^DK[_P#V6KJK
M^\O^S#>'_?M?[*5_"/%_#/!_N-_N]_<?^`_[DON?9G']7^Y]O_W(T:++X/IO
M"I]3+I^G_%]76NJO=XGU7B]FGH;V/]9_]:SDC3^_/IOI>4J?3?U?_=^C]_[E
M]/\`N.O^,?UF\75]1K_QCZ[^LG[S_P`3\'JT[X>_8_[*ST%_#/[V?P[_`$6;
M0^P_OM_>+^\/V?\`"H/M_-_>[_?U?PWQ6_A_\2_R[^'>#S_N:O<?;Y7][[C6
ME?%/I7_;4QK_`-^4QKU=85>_/U/^O/[G?6?1?5_OJZU_2>!X.KQ#JI]-_BWB
<5KX_@?H^/XGA]E.C(^RKJ)>O>_=>Z][]U[K_V3\_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>25
<FILENAME>g915197dsp370c.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g915197dsp370c.jpg
M_]C_X0M"17AI9@``34T`*@````@`!P$2``,````!``$```$:``4````!````
M8@$;``4````!````:@$H``,````!``(```$Q``(````>````<@$R``(````4
M````D(=I``0````!````I````-``+<;````G$``MQL```"<0061O8F4@4&AO
M=&]S:&]P($-3-B`H5VEN9&]W<RD`,C`Q-3HP-3HP,B`P-3HR,SHR-P```Z`!
M``,````!__\``*`"``0````!````.:`#``0````!````.0`````````&`0,`
M`P````$`!@```1H`!0````$```$>`1L`!0````$```$F`2@``P````$``@``
M`@$`!`````$```$N`@(`!`````$```H,`````````$@````!````2`````'_
MV/_M``Q!9&]B95]#30`!_^X`#D%D;V)E`&2``````?_;`(0`#`@("`D(#`D)
M#!$+"@L1%0\,#`\5&!,3%1,3&!$,#`P,#`P1#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`P,#`P,#`$-"PL-#@T0#@X0%`X.#A04#@X.#A01#`P,#`P1$0P,#`P,
M#!$,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,_\``$0@`.0`Y`P$B``(1
M`0,1`?_=``0`!/_$`3\```$%`0$!`0$!``````````,``0($!08'"`D*"P$`
M`04!`0$!`0$``````````0`"`P0%!@<("0H+$``!!`$#`@0"!0<&"`4###,!
M``(1`P0A$C$%05%A$R)Q@3(&%)&AL4(C)!52P6(S-'*"T4,')9)3\.'Q8W,U
M%J*R@R9$DU1D1<*C=#87TE7B9?*SA,/3=>/S1B>4I(6TE<34Y/2EM<75Y?56
M9G:&EJ:VQM;F]C='5V=WAY>GM\?7Y_<1``("`0($!`,$!08'!P8%-0$``A$#
M(3$2!$%187$B$P4R@9$4H;%"(\%2T?`S)&+A<H*20U,58W,T\24&%J*R@P<F
M-<+21)-4HQ=D154V=&7B\K.$P]-UX_-&E*2%M)7$U.3TI;7%U>7U5F9VAI:F
MML;6YO8G-T=79W>'EZ>WQ__:``P#`0`"$0,1`#\`O4T](HZ1^T^IG+M=9EVT
M`46D<%SF^USF_NJ&35T;)Z#F=1Z;]LJMQ7UL_36DCWN:/HM<[\U*K*Z#D]&_
M9O4<Q^+;5F6W^RMSY!+FMX;M_.4,G)^KV']7\[`P,ZS*NRGU/:'U.9&QS=WN
MV[?HJ0#;0O5@3XQIGX_?C^CD]CV/<C_5]K@]I[GJ%G4K6UX_2,G&KRF`.O9=
M[B&$>T[&2]ON6#FX[.F=1IV9'H]:RJW7/R+[#]CW$QD-%;_=[_=]G9M5K(HP
M6=>OZ@.HVX]V)35=F8[&>TTL`=M<^/>U_P#)5+J/4;^H]1IJ/1L;,]>MUN#;
M:^"['!WML.X?HO;[_3<F.7RV,QX1'7&<?'EL1PRXI1X^"<LW!#/CC\_^S;'U
M4ZME8N'B]+RNGYOJE[@[(?6?3&]SGASWO]VUK7+*-'3&T]4ZGU,Y5GI=1MH:
MVBPMT)W-]I+6K5;U"T,Z#]DZA=ETY.4]EM[P6NL:"?98QP^BSZ"QW9?1'T=5
MZ7U++?BOLZE;<TLK<_1IVCZ+7-^DG#6]&UBB3ER9(PE#W9"608?<.2HYYPR^
MCA]R']QAZ?0L[I/4<GIXS:KL&MKP;K9!+B6MT:YW[J;U+?\`2/\`\]W]ZB,C
MZM]/Z1U/'PL^S*NS:FL:U]3F:M)/TMNW\Y*0E6NQIL$2XQIS'M>X?T<OO>W[
M$?ZON<'WA__0ZE_5/K#TG.N_:6,[J&$VHO%N-2&M:9W>^QW^CK;[T;(ZI=U#
M#JZATK/Q,+':P?:FY`:XL>\_HV6.^C6Y8'_.1QP<?&R,F^RQF>79@(<X.Q9<
MVRE[O\)7L_P*W\CIF%D856=T6JIU5C0[]GN#:\>_<1MLRJ_WZ&^^K^6G$:!V
M\N&.(XSEQQQS,N#W(Q_H\^'T^O'D_51ED_0FTW=4ZGD]/Q\7/AMUMKF=6KV!
MKJ\-TM]:T?\`:>OT_P##JO7B]5Z'D%G3<RBGI.7-]69:W?4QI]M-3\A_Y[V;
M=JN]4Z>.G6=+J=<^]^9EMIS+[8WVTNG]6R'?X2C_`(-RLYO5^G`.Q[,6NSHF
M&[[/D[F$[+FG;373CQMLJ^C[VH7HH9-`,.,3Q9>.4H",>#Y^&/#"?^4X_P#<
M\7`Q>K9.'UK,S;>HXMXK94Z[TP(O:T?S.'^:VYOYZT.O_7:FO&I;TO:<BYC+
M76>RQK)G?CVMG^>:LGZTT4W]:;T;IN%CT%CF[+:@&%QL8';;7#V-:URU.F=%
MP/VA3B]7QZL?-&,6UX];6OJLK$-^V6V?]RO4WIWIW+9R0Y7AP\SE@2?;$QA'
M!Q'%"'HE/'C_`$?_`$FFZ1]<6FC#;U;&=6<DN'VYS6UT.VEWN;_4]K'+HOVI
MTG_N31_GM6#U?I?3L7H.-T)L9&7:+&=/MM:)#Y]6S]+&RGZ2I?\`-KJ_^CJ_
M[<']R&F[4KDN(<Q[1X/</HU]OV?>_P!T\'S>W_DO;^3W7__1ZWHM.9A]%^QY
M.!;:,S*MJN8/:656DAU[_P#@]JS,KHG2Z,FVFOZN9=[*W%K;6VNVN`_/;[_S
MD"@TMZ8>I]3ZKU&H69-E#6T6$CVEQ;[73^:U0RW4/Z+E]2Z7U;J5C\1U;"VZ
MPM$V.:W\V/S2G@>+T4,<XY9R$Y1]S)P3,!S&/%[TY\$?7CG'Y?D;W5.I869D
M45]>9LQWO:QG3GN].W&/T79E]K-OJ5/9^:H4]1=FXV7TO]GW=6Z71=Z>*['.
MUK:JX]"OU&_I+/;^?N2^M&%3B=5=UK/]U196,.L`/;9=6W=Z>56[_`.V^Y4L
M7+R<5KJLL'&PNJG[:;.G2;*YVEE#0SVU5_OUN0K1./'"6#'+&"=(RA'BE&&/
M*/7D]C@X<GNXX_-*/KG_`)1K]*ZMTNO,S,;%Z=;;B]2K90S$;9+])W_I/I^]
MRG]9*LO+OPK;.FWX.'CLKQ`+3.F[VC?_`%3M1<KKO3[.M8F5B83:.FX=K;?6
MJIV6.&W](+-OL]KU/J_6^E9G3KL3$OS,BR_*;DGU6DFML^]E'[E=?^#:G=;;
M`&09\62.&<3.(XS.63*<=_JO7ZN#W/:C^FWW=#HZGE=2Z"W]'1TMM?[-DD^D
M;V^K>YT'?=O?_I7*U_S-R?\`N57_`)CO_)H73\K&SL9N%TJU[:W^W/ZED'TL
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MX1/_`%*'Z/U:$?\`<,N$'VM/F,^'W/;_`%G![H]K^>_]<?K'$Z5D6?L+H6`7
M_JN?D7495>GOK+W_`*/=]-G/^#1_LN+T_KOVKH."<K"JJ?C9@J>0&V[OTH>^
MTN=^CKVJY@_T3HO_`(8L_P"J<M#HW\UU3_PS=^1+75FGQ^YFX1Z+S^]K/V+]
M[)Q>_P"S'C]WV_YEQ.K=(Z=9]7LK-Q[69'3J*R[I5;00*#NV9,6[M]WJV_Z5
M8\U?R?P765?^(T_\6[_JW+.0UIC_`*5[(TR5[YZQ]SVN`?\`4_O'N?\`5/O_
M`/Y4O__9_^T3(E!H;W1O<VAO<"`S+C``.$))300$```````/'`%:``,;)4<<
M`@```JV<`#A"24T$)0``````$,4RQA72CP1CB*2E<LC/J14X0DE-!#H`````
M`.4````0`````0``````"W!R:6YT3W5T<'5T````!0````!0<W138F]O;`$`
M````26YT965N=6T`````26YT90````!#;')M````#W!R:6YT4VEX=&5E;D)I
M=&)O;VP`````"W!R:6YT97).86UE5$585`````$```````]P<FEN=%!R;V]F
M4V5T=7!/8FIC````#`!0`'(`;P!O`&8`(`!3`&4`=`!U`'````````IP<F]O
M9E-E='5P`````0````!";'1N96YU;0````QB=6EL=&EN4')O;V8````)<')O
M;V9#35E+`#A"24T$.P`````"+0```!`````!```````2<')I;G1/=71P=71/
M<'1I;VYS````%P````!#<'1N8F]O;```````0VQB<F)O;VP``````%)G<TUB
M;V]L``````!#<FY#8F]O;```````0VYT0V)O;VP``````$QB;'-B;V]L````
M``!.9W1V8F]O;```````16UL1&)O;VP``````$EN=')B;V]L``````!"8VMG
M3V)J8P````$```````!21T)#`````P````!29"`@9&]U8D!OX```````````
M`$=R;B!D;W5B0&_@````````````0FP@(&1O=6)`;^````````````!"<F14
M56YT1B-2;'0```````````````!";&0@56YT1B-2;'0```````````````!2
M<VQT56YT1B-0>&Q`<L````````````IV96-T;W)$871A8F]O;`$`````4&=0
M<V5N=6T`````4&=0<P````!09U!#`````$QE9G15;G1&(U)L=```````````
M`````%1O<"!5;G1&(U)L=````````````````%-C;"!5;G1&(U!R8T!9````
M````````$&-R;W!7:&5N4')I;G1I;F=B;V]L``````YC<F]P4F5C=$)O='1O
M;6QO;F<`````````#&-R;W!296-T3&5F=&QO;F<`````````#6-R;W!296-T
M4FEG:'1L;VYG``````````MC<F]P4F5C=%1O<&QO;F<``````#A"24T#[0``
M````$`$L`````0`"`2P````!``(X0DE-!"8```````X`````````````/X``
M`#A"24T$#0``````!````'@X0DE-!!D```````0````>.$))30/S```````)
M```````````!`#A"24TG$```````"@`!``````````(X0DE-`_4``````$@`
M+V9F``$`;&9F``8```````$`+V9F``$`H9F:``8```````$`,@````$`6@``
M``8```````$`-0````$`+0````8```````$X0DE-`_@``````'```/______
M______________________\#Z`````#_____________________________
M`^@`````_____________________________P/H`````/______________
M______________\#Z```.$))300(```````0`````0```D````)``````#A"
M24T$'@``````!``````X0DE-!!H``````T,````&```````````````Y````
M.0````<`9`!S`'``,P`W`#``8@````$``````````````````````````0``
M````````````.0```#D``````````````````````0``````````````````
M```````0`````0```````&YU;&P````"````!F)O=6YD<T]B:F,````!````
M````4F-T,0````0`````5&]P(&QO;F<``````````$QE9G1L;VYG````````
M``!"=&]M;&]N9P```#D`````4F=H=&QO;F<````Y````!G-L:6-E<U9L3',`
M```!3V)J8P````$```````5S;&EC90```!(````'<VQI8V5)1&QO;F<`````
M````!V=R;W5P241L;VYG``````````9O<FEG:6YE;G5M````#$53;&EC94]R
M:6=I;@````UA=71O1V5N97)A=&5D`````%1Y<&5E;G5M````"D53;&EC951Y
M<&4`````26UG(`````9B;W5N9'-/8FIC`````0```````%)C=#$````$````
M`%1O<"!L;VYG``````````!,969T;&]N9P``````````0G1O;6QO;F<````Y
M`````%)G:'1L;VYG````.0````-U<FQ415A4`````0```````&YU;&Q415A4
M`````0```````$US9V5415A4`````0``````!F%L=%1A9U1%6%0````!````
M```.8V5L;%1E>'1)<TA434QB;V]L`0````AC96QL5&5X=%1%6%0````!````
M```):&]R>D%L:6=N96YU;0````]%4VQI8V5(;W)Z06QI9VX````'9&5F875L
M=`````EV97)T06QI9VYE;G5M````#T53;&EC959E<G1!;&EG;@````=D969A
M=6QT````"V)G0V]L;W)4>7!E96YU;0```!%%4VQI8V5"1T-O;&]R5'EP90``
M``!.;VYE````"71O<$]U='-E=&QO;F<`````````"FQE9G1/=71S971L;VYG
M``````````QB;W1T;VU/=71S971L;VYG``````````MR:6=H=$]U='-E=&QO
M;F<``````#A"24T$*```````#`````(_\````````#A"24T$$0```````0$`
M.$))3004```````$`````SA"24T$#``````**`````$````Y````.0```*P`
M`"9,```*#``8``'_V/_M``Q!9&]B95]#30`!_^X`#D%D;V)E`&2``````?_;
M`(0`#`@("`D(#`D)#!$+"@L1%0\,#`\5&!,3%1,3&!$,#`P,#`P1#`P,#`P,
M#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`$-"PL-#@T0#@X0%`X.#A04#@X.#A01
M#`P,#`P1$0P,#`P,#!$,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,_\``
M$0@`.0`Y`P$B``(1`0,1`?_=``0`!/_$`3\```$%`0$!`0$!``````````,`
M`0($!08'"`D*"P$``04!`0$!`0$``````````0`"`P0%!@<("0H+$``!!`$#
M`@0"!0<&"`4###,!``(1`P0A$C$%05%A$R)Q@3(&%)&AL4(C)!52P6(S-'*"
MT4,')9)3\.'Q8W,U%J*R@R9$DU1D1<*C=#87TE7B9?*SA,/3=>/S1B>4I(6T
ME<34Y/2EM<75Y?569G:&EJ:VQM;F]C='5V=WAY>GM\?7Y_<1``("`0($!`,$
M!08'!P8%-0$``A$#(3$2!$%187$B$P4R@9$4H;%"(\%2T?`S)&+A<H*20U,5
M8W,T\24&%J*R@P<F-<+21)-4HQ=D154V=&7B\K.$P]-UX_-&E*2%M)7$U.3T
MI;7%U>7U5F9VAI:FML;6YO8G-T=79W>'EZ>WQ__:``P#`0`"$0,1`#\`O4T]
M(HZ1^T^IG+M=9EVT`46D<%SF^USF_NJ&35T;)Z#F=1Z;]LJMQ7UL_36DCWN:
M/HM<[\U*K*Z#D]&_9O4<Q^+;5F6W^RMSY!+FMX;M_.4,G)^KV']7\[`P,ZS*
MNRGU/:'U.9&QS=WNV[?HJ0#;0O5@3XQIGX_?C^CD]CV/<C_5]K@]I[GJ%G4K
M6UX_2,G&KRF`.O9=[B&$>T[&2]ON6#FX[.F=1IV9'H]:RJW7/R+[#]CW$QD-
M%;_=[_=]G9M5K(HP6=>OZ@.HVX]V)35=F8[&>TTL`=M<^/>U_P#)5+J/4;^H
M]1IJ/1L;,]>MUN#;:^"['!WML.X?HO;[_3<F.7RV,QX1'7&<?'EL1PRXI1X^
M"<LW!#/CC\_^S;'U4ZME8N'B]+RNGYOJE[@[(?6?3&]SGASWO]VUK7+*-'3&
MT]4ZGU,Y5GI=1MH:VBPMT)W-]I+6K5;U"T,Z#]DZA=ETY.4]EM[P6NL:"?98
MQP^BSZ"QW9?1'T=5Z7U++?BOLZE;<TLK<_1IVCZ+7-^DG#6]&UBB3ER9(PE#
MW9"608?<.2HYYPR^CA]R']QAZ?0L[I/4<GIXS:KL&MKP;K9!+B6MT:YW[J;U
M+?\`2/\`\]W]ZB,CZM]/Z1U/'PL^S*NS:FL:U]3F:M)/TMNW\Y*0E6NQIL$2
MXQIS'M>X?T<OO>W[$?ZON<'WA__0ZE_5/K#TG.N_:6,[J&$VHO%N-2&M:9W>
M^QW^CK;[T;(ZI=U##JZATK/Q,+':P?:FY`:XL>\_HV6.^C6Y8'_.1QP<?&R,
MF^RQF>79@(<X.Q9<VRE[O\)7L_P*W\CIF%D856=T6JIU5C0[]GN#:\>_<1ML
MRJ_WZ&^^K^6G$:!V\N&.(XSEQQQS,N#W(Q_H\^'T^O'D_51ED_0FTW=4ZGD]
M/Q\7/AMUMKF=6KV!KJ\-TM]:T?\`:>OT_P##JO7B]5Z'D%G3<RBGI.7-]69:
MW?4QI]M-3\A_Y[V;=JN]4Z>.G6=+J=<^]^9EMIS+[8WVTNG]6R'?X2C_`(-R
MLYO5^G`.Q[,6NSHF&[[/D[F$[+FG;373CQMLJ^C[VH7HH9-`,.,3Q9>.4H",
M>#Y^&/#"?^4X_P#<\7`Q>K9.'UK,S;>HXMXK94Z[TP(O:T?S.'^:VYOYZT.O
M_7:FO&I;TO:<BYC+76>RQK)G?CVMG^>:LGZTT4W]:;T;IN%CT%CF[+:@&%QL
M8';;7#V-:URU.F=%P/VA3B]7QZL?-&,6UX];6OJLK$-^V6V?]RO4WIWIW+9R
M0Y7AP\SE@2?;$QA'!Q'%"'HE/'C_`$?_`$FFZ1]<6FC#;U;&=6<DN'VYS6UT
M.VEWN;_4]K'+HOVITG_N31_GM6#U?I?3L7H.-T)L9&7:+&=/MM:)#Y]6S]+&
MRGZ2I?\`-KJ_^CJ_[<']R&F[4KDN(<Q[1X/</HU]OV?>_P!T\'S>W_DO;^3W
M7__1ZWHM.9A]%^QY.!;:,S*MJN8/:656DAU[_P#@]JS,KHG2Z,FVFOZN9=[*
MW%K;6VNVN`_/;[_SD"@TMZ8>I]3ZKU&H69-E#6T6$CVEQ;[73^:U0RW4/Z+E
M]2Z7U;J5C\1U;"VZPM$V.:W\V/S2G@>+T4,<XY9R$Y1]S)P3,!S&/%[TY\$?
M7CG'Y?D;W5.I869D45]>9LQWO:QG3GN].W&/T79E]K-OJ5/9^:H4]1=FXV7T
MO]GW=6Z71=Z>*['.UK:JX]"OU&_I+/;^?N2^M&%3B=5=UK/]U196,.L`/;9=
M6W=Z>56[_`.V^Y4L7+R<5KJLL'&PNJG[:;.G2;*YVEE#0SVU5_OUN0K1./'"
M6#'+&"=(RA'BE&&/*/7D]C@X<GNXX_-*/KG_`)1K]*ZMTNO,S,;%Z=;;B]2K
M90S$;9+])W_I/I^]RG]9*LO+OPK;.FWX.'CLKQ`+3.F[VC?_`%3M1<KKO3[.
MM8F5B83:.FX=K;?6JIV6.&W](+-OL]KU/J_6^E9G3KL3$OS,BR_*;DGU6DFM
ML^]E'[E=?^#:G=;;`&09\62.&<3.(XS.63*<=_JO7ZN#W/:C^FWW=#HZGE=2
MZ"W]'1TMM?[-DD^D;V^K>YT'?=O?_I7*U_S-R?\`N57_`)CO_)H73\K&SL9N
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MZK_X2'_4I8G]-Z5_X1/_`%*'Z/U:$?\`<,N$'VM/F,^'W/;_`%G![H]K^>_]
M<?K'$Z5D6?L+H6`7_JN?D7495>GOK+W_`*/=]-G/^#1_LN+T_KOVKH."<K"J
MJ?C9@J>0&V[OTH>^TN=^CKVJY@_T3HO_`(8L_P"J<M#HW\UU3_PS=^1+75FG
MQ^YFX1Z+S^]K/V+][)Q>_P"S'C]WV_YEQ.K=(Z=9]7LK-Q[69'3J*R[I5;00
M*#NV9,6[M]WJV_Z58\U?R?P765?^(T_\6[_JW+.0UIC_`*5[(TR5[YZQ]SVN
M`?\`4_O'N?\`5/O_`/Y4O__9.$))300A``````!5`````0$````/`$$`9`!O
M`&(`90`@`%``:`!O`'0`;P!S`&@`;P!P````$P!!`&0`;P!B`&4`(`!0`&@`
M;P!T`&\`<P!H`&\`<``@`$,`4P`V`````0`X0DE-!`8```````<`"`````$!
M`/_A$%YH='1P.B\O;G,N861O8F4N8V]M+WAA<"\Q+C`O`#P_>'!A8VME="!B
M96=I;CTB[[N_(B!I9#TB5S5-,$UP0V5H:4AZ<F53>DY48WIK8SED(C\^(#QX
M.GAM<&UE=&$@>&UL;G,Z>#TB861O8F4Z;G,Z;65T82\B('@Z>&UP=&L](D%D
M;V)E(%A-4"!#;W)E(#4N,RUC,#$Q(#8V+C$T-38V,2P@,C`Q,B\P,B\P-BTQ
M-#HU-CHR-R`@("`@("`@(CX@/')D9CI21$8@>&UL;G,Z<F1F/2)H='1P.B\O
M=W=W+G<S+F]R9R\Q.3DY+S`R+S(R+7)D9BUS>6YT87@M;G,C(CX@/')D9CI$
M97-C<FEP=&EO;B!R9&8Z86)O=70](B(@>&UL;G,Z>&UP/2)H='1P.B\O;G,N
M861O8F4N8V]M+WAA<"\Q+C`O(B!X;6QN<SIP9&8](FAT='`Z+R]N<RYA9&]B
M92YC;VTO<&1F+S$N,R\B('AM;&YS.F1C/2)H='1P.B\O<'5R;"YO<F<O9&,O
M96QE;65N=',O,2XQ+R(@>&UL;G,Z>&UP34T](FAT='`Z+R]N<RYA9&]B92YC
M;VTO>&%P+S$N,"]M;2\B('AM;&YS.G-T179T/2)H='1P.B\O;G,N861O8F4N
M8V]M+WAA<"\Q+C`O<U1Y<&4O4F5S;W5R8V5%=F5N=",B('AM;&YS.G-T4F5F
M/2)H='1P.B\O;G,N861O8F4N8V]M+WAA<"\Q+C`O<U1Y<&4O4F5S;W5R8V52
M968C(B!X;6QN<SIP:&]T;W-H;W`](FAT='`Z+R]N<RYA9&]B92YC;VTO<&AO
M=&]S:&]P+S$N,"\B('AM<#I#<F5A=&5$871E/2(R,#$U+3`T+3,P5#`Y.C$P
M.C4U+3`U.C`P(B!X;7`Z0W)E871O<E1O;VP](E!38W)I<'0U+F1L;"!697)S
M:6]N(#4N,BXR(B!X;7`Z36]D:69Y1&%T93TB,C`Q-2TP-2TP,E0P-3HR,SHR
M-RLP-3HS,"(@>&UP.DUE=&%D871A1&%T93TB,C`Q-2TP-2TP,E0P-3HR,SHR
M-RLP-3HS,"(@<&1F.E!R;V1U8V5R/2)!8W)O8F%T($1I<W1I;&QE<B`Q,"XQ
M+C$S("A7:6YD;W=S*2(@9&,Z9F]R;6%T/2)I;6%G92]J<&5G(B!X;7!-33I$
M;V-U;65N=$E$/2)X;7`N9&ED.D,Y-C<V0T5&-4-&,$4T,3$X-D$Q.#@Y.#DR
M144V1$8U(B!X;7!-33I);G-T86YC94E$/2)X;7`N:6ED.D-!-C<V0T5&-4-&
M,$4T,3$X-D$Q.#@Y.#DR144V1$8U(B!X;7!-33I/<FEG:6YA;$1O8W5M96YT
M240](G5U:60Z8C`V838W93(M,64X9"TT-CDV+6(Q9C`M,3,V83@S-F$Y,C,R
M(B!P:&]T;W-H;W`Z0V]L;W)-;V1E/2(S(CX@/'AM<$U-.DAI<W1O<GD^(#QR
M9&8Z4V5Q/B`\<F1F.FQI('-T179T.F%C=&EO;CTB8V]N=F5R=&5D(B!S=$5V
M=#IP87)A;65T97)S/2)F<F]M(&%P<&QI8V%T:6]N+W!D9B!T;R!A<'!L:6-A
M=&EO;B]V;F0N861O8F4N<&AO=&]S:&]P(B\^(#QR9&8Z;&D@<W1%=G0Z86-T
M:6]N/2)S879E9"(@<W1%=G0Z:6YS=&%N8V5)1#TB>&UP+FEI9#I#.38W-D-%
M1C5#1C!%-#$Q.#9!,3@X.3@Y,D5%-D1&-2(@<W1%=G0Z=VAE;CTB,C`Q-2TP
M-2TP,E0P-3HR,SHR-RLP-3HS,"(@<W1%=G0Z<V]F='=A<F5!9V5N=#TB061O
M8F4@4&AO=&]S:&]P($-3-B`H5VEN9&]W<RDB('-T179T.F-H86YG960](B\B
M+SX@/')D9CIL:2!S=$5V=#IA8W1I;VX](F-O;G9E<G1E9"(@<W1%=G0Z<&%R
M86UE=&5R<STB9G)O;2!A<'!L:6-A=&EO;B]P9&8@=&\@:6UA9V4O:G!E9R(O
M/B`\<F1F.FQI('-T179T.F%C=&EO;CTB9&5R:79E9"(@<W1%=G0Z<&%R86UE
M=&5R<STB8V]N=F5R=&5D(&9R;VT@87!P;&EC871I;VXO=FYD+F%D;V)E+G!H
M;W1O<VAO<"!T;R!I;6%G92]J<&5G(B\^(#QR9&8Z;&D@<W1%=G0Z86-T:6]N
M/2)S879E9"(@<W1%=G0Z:6YS=&%N8V5)1#TB>&UP+FEI9#I#038W-D-%1C5#
M1C!%-#$Q.#9!,3@X.3@Y,D5%-D1&-2(@<W1%=G0Z=VAE;CTB,C`Q-2TP-2TP
M,E0P-3HR,SHR-RLP-3HS,"(@<W1%=G0Z<V]F='=A<F5!9V5N=#TB061O8F4@
M4&AO=&]S:&]P($-3-B`H5VEN9&]W<RDB('-T179T.F-H86YG960](B\B+SX@
M/"]R9&8Z4V5Q/B`\+WAM<$U-.DAI<W1O<GD^(#QX;7!-33I$97)I=F5D1G)O
M;2!S=%)E9CII;G-T86YC94E$/2)X;7`N:6ED.D,Y-C<V0T5&-4-&,$4T,3$X
M-D$Q.#@Y.#DR144V1$8U(B!S=%)E9CID;V-U;65N=$E$/2)X;7`N9&ED.D,Y
M-C<V0T5&-4-&,$4T,3$X-D$Q.#@Y.#DR144V1$8U(B!S=%)E9CIO<FEG:6YA
M;$1O8W5M96YT240](G5U:60Z8C`V838W93(M,64X9"TT-CDV+6(Q9C`M,3,V
M83@S-F$Y,C,R(B\^(#PO<F1F.D1E<V-R:7!T:6]N/B`\+W)D9CI21$8^(#PO
M>#IX;7!M971A/B`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@(#P_>'!A8VME="!E
M;F0](G<B/S[_[@`.061O8F4`9$`````!_]L`A``!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`@("`@("`@("`@(#`P,#`P,#
M`P,#`0$!`0$!`0$!`0$"`@$"`@,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P/_P``1"``Y`#D#`1$``A$!`Q$!_]T`
M!``(_\0!H@````8"`P$`````````````!P@&!00)`PH"`0`+`0``!@,!`0$`
M```````````&!00#!P((`0D`"@L0``(!`P0!`P,"`P,#`@8)=0$"`P01!1(&
M(0<3(@`(,11!,B,5"5%"%F$D,Q=2<8$88I$E0Z&Q\"8T<@H9P=$U)^%3-H+Q
MDJ)$5'-%1C='8RA55E<:LL+2XO)D@W23A&6CL\/3XRDX9O-U*CDZ2$E*6%E:
M9VAI:G9W>'EZA8:'B(F*E)66EYB9FJ2EIJ>HJ:JTM;:WN+FZQ,7&Q\C)RM35
MUM?8V=KDY>;GZ.GJ]/7V]_CY^A$``@$#`@0$`P4$!`0&!@5M`0(#$00A$@4Q
M!@`B$T%1!S)A%'$(0H$CD152H6(6,PFQ),'10W+P%^&"-"624QAC1/&BLB8U
M&50V160G"G.#DT9TPM+B\E5E=58WA(6CL\/3X_,I&I2DM,34Y/25I;7%U>7U
M*$=79CAVAI:FML;6YO9G=X>7I[?'U^?W2%AH>(B8J+C(V.CX.4E9:7F)F:FY
MR=GI^2HZ2EIJ>HJ:JKK*VNKZ_]H`#`,!``(1`Q$`/P`U&TMI?$G87Q(D^5'R
MHG^7F\\QO'Y;=P]+4-#TYW-D,4M*N$R&XLSB*B;%YS<&)I(Z:+'8B6*1UGDE
M>5E.FQ)406UM<[A<R0P.0P>4_P!K.HH)Y%&$D`&`.`_S=?0MO>]^^?-'OFOL
MM[*Q\B[?86'(^U[L[[KM2R:O%6&&51)##(Q8O(K`%%4*"*UI5/=E[;^&W9_P
M-^2OR6^+9^9>Q]X]&;QZAVI$O<'=57D*&IJ-_P"\]O4-7/%B<'N'-PUL$>"J
MZA!Y)J=XYWC==04@J[6SFM]VAM+EV8:B,2SD'M5N#2$?B`R.(/V]&W)^Z^_W
M)GWFO:'V@]Z/Z@;EL',EAN=R?W7M01U6RM)W4&2:&(H3,J'M5PR!E-":C:*[
M_P`[\C=WXW:G77PM[M^-NU.Y]LT6+W!V?M7N!ZS=.;I-CY7!K%@JY=L[9>OW
M!AA6Y=XV2JJZ9()XSZ')X8-!5UDN=*ZJDZ"_:0X&!)'0EA@ZB**PI7*\9/;#
M;/:?8KS>^:_O!^W?-M[[?WDDD.WW.UA;>%KN.8F9/J+CPX)=$8(,<4A=&'<H
M&5J3[FV#A_BC\ANO!A>Y(]A?S!.\NNMT=L;G[@[I[0R<GPAI=PYFL-!W%AZ#
M9.?K*7)4#;GKY*U-I8P4,D=&9:>/4#&%]J(XI;B4O$LC*4(QXKH%1[8$"'QM
M"NRTT%344D)8U8/G)[?\S;A[W>UG-1O^0&W/[KG+>ZV^V6^U[3MR#FYH(55]
MKE>ZA#1O].@A.Y7'C*TNF9Z$.3TN/Y4GRN[0ZFZ>Z#^(_:WP[^<46]ZC=^Z<
M3G>W]T=1[@BZUQ$>\=^;DW#CLOGMS[GJ:+,8W"X?$Y."&I>6!A&\;:-2E?9E
MN]C`L[SVMS&;<\!X@=A1234ZF)J10<<E1@<`_P#?<]D.3.=^??<[WTY(]_/;
MAN7$L+>2':[?<X#?RFULH()(H;>W5XI)998W:,*XU!AJH:]$'J=E_&6AVA\]
MOE3\IZKY3;IBV/\`S'^X>D\+A>E.W:_;K087*9B'*85$PN2S.*Q@CH:ZMJA)
M(*D'Q/$B1`(27[F"227;X+=F!:"(_P!I,HJQ5>"2`<6KPP`?D.LG(^8/>&YW
M_P"[)[*^RT/)ED^Y>TNU;M-+NVV+.&ECB,<Q,L<<DE718R%\.FH.S.=6`[.W
M_@MWY\4?F=VI\;J?YN;(WY\:.M=N[LIINV>[:BJQ%96[NRN0QN,\..P6YLY]
M]'2C$3M-',800Z:6)OI3;I97FV12F:4DF&4BDUP158V/!I:'-/+H4MN7WD_:
M_P![/8#DOW;E]N]QY9YOW:XMF&V;3IE1+6)))*O-!#H+>*@1DUD4:H&*P_X[
MN;_GL-[_`/H;;L_^O'L4:4_@7]@_S=+?W9L__1AV[_LDMO\`K5U__]`PFV^S
M?@;VA\.3\6?DK\D]Z]&;PV-\QNY^XE&U>H=W;^DJZ3)U^Y<%BJ:2JH,#78A(
MJBER\DQTS>6-XPK)8W]BRSM=VMY7N;6`D,\PJ"N09Y&'Q*W$$'`K\^/7T7;K
MR;]YKDSW\_UZ?:#VCV_F38=RY"VK:O\`&=TM;(*T:P32,%>9)25:)5RNE@U0
MV*=)GL7L;^7UTO\`R_?E)\=/CK\H]^]Y;^[SWMTSNO&X[=?3.[=B1TC;!WIM
MZJR<,63J]OT.*2-L'33SEII@S/"L<:EG)*VUM=UDW2&[NX2$#$U)4TJJK0:5
M&.VO`FI.:4`.>4N4OO3>X/WI/9CW8]V/9C;.7.6.6]OW6VDDMMUM;PL+VTG6
M,F-9GD)\9D0!4(`=F9J*`+P-^[(Z1P'ST[8^2%%\R.V^I=^=%](]-=N?)/J/
M:/7=74[7SO1O7V)Q643#YK<J8F=MRXC<U)1_Y514/W-?$)6$:AE70$5K)*(D
M3]30@.$[E9KD1ZBR%L.9"`KK0J"<.=7.+EKF/W%W3[M')'M)/[`[%OG+7,G,
M6Z[9L.YW-\BW$.\7TLT?BQ0&0?3RV[N?#EE\.%M*EB0S:BR_(?Y#[[^3GR(Z
MWVA6_P`M;XS_`")3M#KW<79GQ8W[V/V-#1YC=_QIHJ^7/XC>N0I\ICJ6;8U9
M7XBICR$V%K33Y"GJ)7B$;.OJ6)!%"RH]R%E1P0.XD!6@\5A^D0'1V70`W?I5
MM2YTS#[5^U7+/L[[5<V[[;_>ZYOY4;9=U@V_F.RL+!GBM=_9%AFM$,;L+Q8Y
M5,"7<.N"1%5RZJ<"]1?(#<U-A/Y21Z;^7G<7>FP.W_E5V-M3>_9V[\;6[1W#
MVWM['9?(I-MK>>`R>.IZ]L5MS)4TM!3K(B!Z>(2*2"C!$T#QM$DS-K$C5J$J
MP^GN6`;0B*`"%8:54U1:D]VH!W'M=M$NY??C'/\`[%;#RWS1L/)5C<VFWVKI
M<P;9.\*D7%K-&YC$DZ,D[E2:.VDY#`UP9'M7X59[8O\`,"^)WR@^0&[^C,WN
MC^9GW%W#BZ[:G5NY^P9ZG!X',QXB@#28K"9/&0K6Y6BJE='DCGC\",`R/8BF
M:TW%SM]S9Q$@6\0J"`:J4?\`$",TH<'!-*&AZRYMN2/O#[;S+]USWO\`9GVO
ML>9-NLO9[:MKD2YW&WL0LTT7BOB66.0Z(VC((5D;6PJ&7H-J7?O\MWXW_$?Y
MP=;]&?+;L+NGL'Y*=8;7VKA<%NCH[>>RZ>GR.S\QDLC2)#E9-NT^-C%='F90
M[U,L21B(6+$V]I]TMM[OK>8SV[46&6E2GXHV'X57B:<:_*F>A9<\L?>Y]W/?
M'[NG-ON3[&;7R]RMRCO%S<RS6^\6EVS)=0I&Q,8G:0Z#$M`BL6+'@!UW]S#_
M`%?_`*DS?]>_9[3ISP9/0?M'^?K_T;[<U\G?Y@WPV[R[-C^4/26>^6G0.&ZR
MK-XX[?7QRZ"H-L;7VE6MEI<Q55FX]VY>&G@^VVGL_%50R*//,L;3QR,_H9B:
M06ZW*E(Y!XS2]H!5:*S244ZYB68+X8+*%J:D+W47J3MOLY]UOW^]M^3V]FO<
M2VY']T+C>5M7L]]WI[BXN4\/PE2"UC9F+7-U)%X#*B%@C(%[@`)>_?E%O/Y)
M].;&^2GQ%^6/Q'^-W56'VIAV[SP_>N"VEN_*;`WMO.OH5VI@=W9JCFJ<9M3*
MA)_M?M)GB::I<:==QI3^#<1S)&PH:&H9&<DD(R@%)HP-()U?'JU*00!W!#EG
MV9V#VCY_YC]HO?7V0YYYMYUGO9?W/+L\UU;1WMI:HQN)K6)M$ES'CQ/$4.%C
M&=-#4M]=\G_DUVG\?.FNJ?D0</CM\;W[9W7L_P#F&[4GZ_QFTMV]9_"'<#YG
M$3]D[WH5-+D.HMEU.T2:BGW1+X(XXY$GCE)7EU0D=ZO@,.QW.,8`N1$P_4)`
M>2)=)JQ;(TJ2=$M6WLY[/\E^Z?/_`#K[5">7ES;=DMKKD>Y%[)<VVX<W0".5
M;"S?N3<[L70$;[>NMF96C9`&P"^W.K/E+\!NPZS#?%_Y']$=>?"/ONHS_<VR
M/D?V5M*7?'4NP-N5QIL-UEL'<7;^XC4TSY[<^VX*-*%(*PTM=(QEC%Y;%3/<
M)>,%>%C=E>)#.`5\%"I'CHQ,C,62E!1&U5:A,A;OSK[+_><Y5@W#WD]I>9=U
M^\7RRD.U7>PV%R+3<[V=*R[A>P;7`5;P8+AI3*7B\2%1H<]E>@5ZO^6?8O2'
MS.^2O>>[/F/\4^SJ/:VS^H=Q]BKL3&8$4'R4VWMW;LY@ZT^-T,D@Q6#[#Q,*
M"CKY:>6+R5LT;RAM#E7[FPN'M+9H=MF:=8VUT1@'`\?PT0-,1&X=@69BX=65
M>W!60^<_8WE7W%^[[[0^W&Q^P'.VSW-[?;I!8_6//KV&>>?-_OQ_M);&1CXL
M*R*U(594*ZEJ;[Y[_P`['9FV.N>MJ#XDC:U1VIV/LW8?:&8W=+#UQV'M_KA<
MX^0?<_4F^\9!D*^2D[+QGCB%0@4K$S"S&Y(>L^7KR6:2.0Z8U<BI#:2$9*T`
M93WJ6"$8!%3P`,%?=C_N[.8MYYMYNN??(WJ<E;3N%YMT5L#?V,U_X/ABWW.S
MD*(&L)*MX9K5@,C`!6?Q)_G$T,VQ/C=B?F%TQN#:%7W'D=XXD_*G/;>V/UU\
M?=Q?P'-Y^6;*X6KK*NFA;'[<QJ46,KFA'%>"6"ZP/:6_VN6&:9+=M:(%K0K3
M^S+DTUEP"5-`145&2`6Z#OOI]P>ZBYE]W+WV%]P;6_M]@BM9/ZN03W=]O<'C
M0P@1RJJLP>>3QKB$/_H-`"VDGJYW_9H/B9_S_#I#_P!#7:/_`-6^RWZ.^_Y1
MI/V'KGW_`*S/OE_X3?F/_LDNO^@.O__2-Z_\Q^NGZ0ZEZP[*[H[YW9N;;?\`
M,!S>:^2$.1H=Z[FP>Z_AZN>W!B]V]>Y_-1S?8;SVG4X$I!-MMW:&>&5XV5%5
M;B>RVR99IV*]U)V0@5R99?"`(0J"H*``'6H4>8)Z^@J/[I-O%[C<\\Y<H^WO
M+5CM%W[7Q1;"T;VEO-;<T&*&2UOH(BNNTN5FJZ7X`=&57#,Q-+>>POC1TSV7
MTQL3Y`_!+8'4^3V;NG:V)W"OP[W)BMF]8?'#Y$Q;DK\;'BMV=Z[2FHZ!ZC='
M6.)DERF":=?/39*DA3@,P]DAEO%EULS&3211B4%6,1#%O"D=61(RJ@+2CLK#
MX63`_E;W?]P>4/<'F7VO^\IS1OD/,%E>2P?UI@EN]PW[8C`CF2VV>Z#2:;?<
M)`MM>!.R2"60FM%("SY0_'NG^-&=^!.TZ_LG>/:6?[_^6^W>I_D9VEV348J?
M>W>'2.>AKZN?I;MO*TD,=-O/JO&T4WV<.'KC/0I2H$"6`]WMJR32R#XJR'`7
MAHN9$3"CMC+]G`X!)+%BPT]F?=*7W>V[[S6^6W*5ALVV<K\C7&Y;%MU@L@M-
MHW>$JJ[KMD;$M:;B[CQ6NH=$QD)8L37H9.Y?EY\>*2/-]=;AZ)ZTW/\`R[OC
MSN2'H;NV;<G7N1JJG9'=6WLQ%A.LMI=:]2SX9\1N_8D=3]CX,I0P2TL$;&2)
MPD:ZV$^J^K14U>(30MW!O$<VQA"C31D*S.9)`X$31A2"=9C`'('L5[K3R[=S
M7M7N3O%G]ZOFJT.\[0+>^15N]JN(O&O[F_W-91+;7A4S:[>9UD9@%=2S-II'
M_FC;%VAV!\U,3\&_B_\`&3X^]85FW\]LT[6W[UOA<5LG);RKNQNO,-EGQ6_<
MWCZ*EV[B\/ALE5SFF=[Z6A0E@SN`+]LN9H;07=Y?3%&4T%6(U#Q:@C2=*A5#
M!JY:@IPKT9^YAS+OW*_W>;[[R'O+[Q\U;S;W5K=_465_-+>1VJ6%]-%XEG"[
M-/)++&B>(!Q#,*4523W_`!D^%_0X[_ZYZD^9G3G475GR!I/C+F</M/J/8&U-
MI;QZ;[/ZZQ46/PD7R4WOO*HH*JAE[ZJ=UKDHFC:19%IZ:&9=7F)!+/NFXF7Q
M(;AQ"6E("N[`C5#\1,<>DK4!4!(H\F6H=.,WO%]X7W._UL>;.>?8#G_?=Z]K
M9.<(Y;G<[VZNK7==OOI&:8[!:6H9'&S+;&!@0I4O)+&:>'3H>OEU\8/CUU#\
M$^EOY?&-7&=N]U[YPW;FR_AUO?LC;^WI*NDWK4;C3L#=U4V_*;'0;=Z[FCQN
M:6FCJ==.:M*:.,F20-<MEN;]H;F2*1S.T)CK4C5(+>0(SE5.G5H8L^G2":`9
M"F,?8SWE]U>>_O)>X?WI;IIMB]O=NGVRZYIM+"><*]JMLUE:K]&SM/?`R0F1
MDTN(C(S@(I7HM'_#;'RT_P">4ZM_]&O@/_K=[%7[XL?XW_WD]3+_`,%Y[&?]
M'S>O^Y;/_P!;.O_3V&OAGM+MWI7X7R]']J?$WMW>E-\A?EAW3UEV%M>@DAV[
MDMD=-=R9/(4.2[4W!/!4M70[/I\+5R!YJ66&H&O7'(MD8J_&83K-$K!UGE(_
ML\?KS,KG4Z@J1I8!=3T=?TZZ@.EGW@-]Y%]POO!1^X_)7O?L6WS<K<D[5N%C
M<.#/'=[KM2*\>W0JP"&Z:55(2173&ET:K`$B[0^$OQ?V%V-O?9&W/Y+?RY[)
MV_M3<N2P6&[!VWWGOJ/;^],=CYO%2[DPJ2;RGE3&91!Y(0[&0(1K"M=5,EWC
M<6!C\5BBZ:$?3@'M5L:YD;M)*'4H[E-*K0G(SDW[QGO/S-RGR[S%NW]X/R-M
M&YWMI'-+93[/9&>TD=:M!*?I5!DC/:Y`TD@Z:K1BIOD_\C>E^Z.P^J]N?S#-
MLR;<ZKW'O?:&U<!\.=S[G?KGMKXF5E12U>#R7R-[4W]M>IPN0W5U]N7;RM/!
M0R5!6*&MB,:M(K$);$;BLLLUK$RQ^'4U$9*:?JM4CE977PY0L<<86I1JECW,
M(R;V:]I_<3V_Y6YUW;[J^[B[YTM-MNKF?FFWMQ?[9S*JL)DV/;K*X$T=M>P3
MTC:94JSQ.'(1@.D[LSY$UW?'6GR&^)A^'7;WSR^&O5O=T.Q.@LMT3GZ?;.!V
MCU'UC3XQ>K=IU.\,,]#N_=V1H\324U7_`!"LKJFJK894,SN6-U4T<MI/#>))
M^M($?'A8JL;&OB3)6KZG!4:=)"^63?F'VIM_;/G#VK]\1[][#[:>_P!O7+IO
M=ZBWB$W$USN>X%SN-RMK-JM;9'E:2/P(H8XX64A%6F"#_%7Y7?&#;/<7R.ZP
MZI^&G:>\^G?F#L/8O3VW/CSM[MB;([VBGQE/D)-T0#=U95U&?KI-TY*MFGIO
MMZN*2D4,H(70%--TL;FYLEFN+M7`0J0`@/\`HE<^(J94T'=C234'K)WWM]D?
M>7>>0/:;G+G?[P&R[?S[R'N5YNEQOD^VK':$2,@MV^F55@06\:JCZXV60T)%
M=551_,=VIVWW#OCXP;MW!\*.\/C1T)U-LKJ'XP4E)V36C*0MB8-[34>!QZ[F
MIISD/-4X&O6C1YGEJI)8S(SEC?W[:]P$$-R[SZ;EY:]QBR9'C7`CDD&3@<,D
M<.B;[I6^\C<@\M^\NQ[9]X?ESF_W.WS<=SYA9K!1&?%:T5IG^G(T4$R&4A`L
M:JP4*`*=6(UWP;V3\I^T/FQ_+NQLD6TNN/A)M[J.3X6)EJO/9*/IS.?(':XW
M]VIEL[6T>2H=T=DTVY<^IG@BSE;71T".(Z<+'8>RFYN;B*Q2:WG074\+*3IK
MI8+)%&6&K(`(P-!8`YKD8I6_WC^8_9;DO[O'WJ[H&^YN]Q;K<QS88EA0[I%L
MEP;';8X4='M[!K>"B.UG%"TQ!:4E\]#O_P`,U]D_\_UV'_Z`FY?_`++?:[^L
M$/\`RC-^T?YNHX_Y.`\I?^$UW/\`[++?_MEZ_]0\>RZC:5#\:*OY4?*GY\_S
M'MD4^ZOE#VUTIA,%TIVYFLGB*6?;>2SF1Q*KB\F*^KI(#B,7,&83^-6542-1
M[$]O<S2.UO!MUNQ5Y>,>HT6:1!\*D\%&3@<*\.N^7,$>^W/N]![*^RGW8?:7
M<9;+DW;=VFFW;:XHY6$Z11R_J1Z%8^+(E`4J069G)Z3_`&KD-AY[X6_(#Y0?
M$_\`F#?S,]T9KHO='5NV*[#]O]MYW!X.JK>P]W8/$6,&+&.R%4E/AJ^>56BJ
M%,<Z1AT*-RLM)G?<(K.ZVVW4%B#^EI.%5L:E%11AFE.(K4'HVY(MN9MM^\+[
M7>S7O?\`=9]GK+;^9+/<;A)=KVN&:94L;6:7C)K12TJ(I#1FJ%]+!EZ,#_-`
MZ9VAU!\I<I\ZOD/%)F-GUFQ.M*/XU;/HJ/&;WP/:/?'7.R)<VNRN_=I96@CG
MI^I<Y/C#!7S4U6)I()&(8,0OLOVJZNW<;?;J!&VE=0+!JDW!>NE2%55*%&.-
M9((%!JBS[FON#O\`SW[,6?W:_:EQ;[ZFYW[;_=.\EI-MVS7]YX1N]EN8G*G<
MH5D#P+)&45U`H0-718.K>V^Q>H,9D]J=PT61Z8^//SCR5+\OYMU_`;^\&5['
MZMFJZ/"UVU^K,30[>DJ<)L+:E9!''2Y'"UL%54PT;/$9%L;6W!$^H%#*\\;"
MM1))4Q-`*=L1.EP#J.*U:F*D3'SMR+RGSW>V>]<A7,7,/NK[;Q-RN+;G3P8[
M#<0CR)<;C*\X6:]N%):2"[B>.-Y0KA37/?:GSHZ#W+\T/CKVSTY\8=L=7_$C
MX_\`:FW^Q_\`2=UE\>*C978NYZ&/;<%'O"BW:F!@IMO9#&X3<WW"T<:-%H5=
M;L7+#VI^ANGM]%Q>2M<9.DF0BI25*$%.%'1N.37`"YWR7]VWW/VC[OGNMR/S
M_P"\E[O/OIS1LD]A^[MPWP7=C;N9V:U>V\8M.DDUOX9E8AJDZ5`4`]*?Y=?-
MKXM=V_'GL/IOIOM;YA]J[L[+^5VWOD362=E[<R>9J^L=IPYB*IW'MOK"H@9W
MV]M79U#^]AZ$HZ0SFQD`;4&(K"]AEBE:VC[3&*,K@$+(A8_!E@JDKZM0>?1+
M[%?=U]Z?;KW5Y5Y_Y_Y(Y!V38]GY)FV-183QQ+N%R8],%QN*D`3W-T_;=35!
M=>"DBA/?T#V;UUW]UOC.C?B'OK>V(VEGH:C`_+KYJ=^9./J/YAY_;&4R6<RO
M6N;ZO[32&D;M3<VTZG'Y##RRUJU<6#Q$5'3J%,RM[*-Q2Y?7`ZL#30:+(JHC
M0R#Q(RT>AG\3PSVD`:G<FJJK8S^Z/)_-GMCS9>>XWOKRWM\^^6K+-RQRGLL;
M;GRM!<1Q11;A%N&W'4-N@N0\%TJPF-KNZ>XF)/AD=6"_[)CM7_O/3Y2_^C\P
M_P#];O:G]XO_`-&N#_>#_GZQ>_X(+>O_`&63DK_N2R_];.O_U30;>D^)O?\`
M\%:7XW]H_-'K3XV;[V7\U^Z^WI8-T[;S&[ZJLPU;5;IP&,A%#C:[#PP)7KF?
MN(YA42C1%I*7:ZG]GN2;7>32L\6HM,"IEC4YN)3P+5&*>77T-[G_`*]WM;]Y
M.?W:Y-^[[N_-W+6X>WFU;6#;W$-JJ2H+>>0ZY$E)*>%H9/#4U:NJ@H4WONC^
M(OQP_EN_+GHSKCYR=7?)'L+N??W1V[,!@MK[3SNT,C'#LO?&V?XO2PT]=7YR
MGK6CQ4<M6SO-3JD5.P&IBH*NVW2&^WJ"X,L*KJ)H)8VIV*ODU3E2>'G\NCCE
MFZ]\_=O[W/L7[D\V?=RWCE'E7E_;-XMIIKBZ@ND)N[.X\)BR)"R`R%8@`DA+
M.IPH)%PW\P;L3I;Y'[>^7_Q?[%Z=_B^ZOAK\/ZCY.=<]EU&]ZVG@HMZ9_KR6
M+$U%)M;#-C)!/A#7QL?OYJVDGTC5`NI&)3MLQM]RBI,J`&)V)TT"R/<)4UR*
M"%^Z@!#&AJK4P)^ZSRK[@^TN\>P_O'RIS[X&R\_\^+R_?[>MFC,]I#?_`*JM
M<R^(-,OAL/T4AD2N)31@`6_E3U\>QO\`0OM?$UL7Q+A["Z$J]^Y?X[;@EBWI
MN+YJYP]78^IC^7&U-U5KO7=;X$)2,Z82C*1/'2LQ2PU>Z;C-#)NLRHR$NTS"
M@C!D"M:J95T,2RQZUB9F`8F5"P%%U2!]]FV/,C^X6\7MN>>)-KYG%G%OD`^D
M@Y3A_>+*>6;FV3LOYJN%:[E!8-*H#5QT!7Q:WYN!_@K_`"H/CU-GP.G_`)2_
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M`[KK<?OFISQW%V6V_P#L&BGFDBW"M4N.F@,,"A0I!:;^%MN,L1A-N+1G#]C(
M56"3PW!-4`$34!6@TUJ34](O8_WV]UMJ^]%[8^V_-G+%[L?O7N^Z+%SI=S/#
M(^^Q+;&;:%>S6'Z?;Q96+HBM8F,SHXDE))(ZK=\FT_\`CIM[_J9CO^*^Y"[_
M`)_SZR_T;Y_!=?LDZ__6-#NS_C[=V_\`AU;E_P#=Y7^Q_:_V(_TS?\>/7T/[
M%_R0MC_YXH/^K2=)N?\`S?\`R'%_UM3VHZ-X_B_(_P"`]7S]N?\`,YOGY_XH
MYA/_`'FI/8(MO[>#_FW_`,?GZYD<B_\`*@_=A_\`/CR_]I'7NIO^9S?`C_Q1
M7+_^\S'[]<_[DS?;+_Q^#KW/'_*@?>;_`//DQ_\`:3T#71?_`#*7^6'_`.+&
M]G_^])GO;VX?[EO_`*;_`*P3=2![E?\`*\_?&_\`%3V__M&BZ.5\.?\`CU/G
M9_XL]WY_[K*/WJ]_M-O_`.:4?^`=0![^_P#)<^[5_P"*;LO_`%<;H(-L?]N<
MJO\`\1GO+_WZ6<]HKK_1?^>;_K!T.=Z_\3WA_P"EM:_]VV'HGGL5=9`=?__9
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>26
<FILENAME>g915197dsp370d.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g915197dsp370d.jpg
M_]C_X05N17AI9@``34T`*@````@`!P$2``,````!``$```$:``4````!````
M8@$;``4````!````:@$H``,````!``(```$Q``(````>````<@$R``(````4
M````D(=I``0````!````I````-``+<;````G$``MQL```"<0061O8F4@4&AO
M=&]S:&]P($-3-B`H5VEN9&]W<RD`,C`Q-3HP-3HP,B`P-3HR-#HP-@```Z`!
M``,````!__\``*`"``0````!```"J*`#``0````!````(0`````````&`0,`
M`P````$`!@```1H`!0````$```$>`1L`!0````$```$F`2@``P````$``@``
M`@$`!`````$```$N`@(`!`````$```0X`````````$@````!````2`````'_
MV/_M``Q!9&]B95]#30`!_^X`#D%D;V)E`&2``````?_;`(0`#`@("`D(#`D)
M#!$+"@L1%0\,#`\5&!,3%1,3&!$,#`P,#`P1#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`P,#`P,#`$-"PL-#@T0#@X0%`X.#A04#@X.#A01#`P,#`P1$0P,#`P,
M#!$,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,_\``$0@`"`"@`P$B``(1
M`0,1`?_=``0`"O_$`3\```$%`0$!`0$!``````````,``0($!08'"`D*"P$`
M`04!`0$!`0$``````````0`"`P0%!@<("0H+$``!!`$#`@0"!0<&"`4###,!
M``(1`P0A$C$%05%A$R)Q@3(&%)&AL4(C)!52P6(S-'*"T4,')9)3\.'Q8W,U
M%J*R@R9$DU1D1<*C=#87TE7B9?*SA,/3=>/S1B>4I(6TE<34Y/2EM<75Y?56
M9G:&EJ:VQM;F]C='5V=WAY>GM\?7Y_<1``("`0($!`,$!08'!P8%-0$``A$#
M(3$2!$%187$B$P4R@9$4H;%"(\%2T?`S)&+A<H*20U,58W,T\24&%J*R@P<F
M-<+21)-4HQ=D154V=&7B\K.$P]-UX_-&E*2%M)7$U.3TI;7%U>7U5F9VAI:F
MML;6YO8G-T=79W>'EZ>WQ__:``P#`0`"$0,1`#\`U/M/2FE\U?5M_P"D>6@O
MH#BPO<ZMA=#&MM;4YE3_`&?SM+W_`.&_10MNZ:ZMKZF_5NNX72ZHNQRPTALM
M_2;=WJV6>QW_``:\9224^S/R^FM%E@H^K;MK264L=0XN(W:-<XLW6/\`9_HZ
M_P#!_P#"TD-W16O?8S_F[8RS:6T/^SM-?Z.OU&^JSVN_6/6_TFQG^D7BJ22G
MVEV3T5U;+&U=`%S?4!I+L5M;B',92][W;[?3?7ZMK/2_X/U5:Q+OJKMM^VGH
M0?O_`$0I&-M]/:SG?O=N]7U5X8DDI]Z];ZC_`+W1_NQ?_(I>M]1_WNC_`'8O
M_D5X*DDI]Z];ZC_O='^[%_\`(I>M]1_WNC_=B_\`D5X*DDI]Z];ZC_O='^[%
M_P#(I>M]1_WNC_=B_P#D5X*DDI]Z];ZC_O='^[%_\BA7V_4DM;#NE;0\>J*A
MC"S9KN]/:-_TMF[T_P!+Z>_T?TB\*224^R"[ZK;Q_P`FEDMW$B`6RSU',V[W
M[MGJ[&6?Y_\`-I6V_5??=Z+NFBL;CCES=28.QMH/]GW;EXVDG?XK9&X_F-NO
MR]/^<^SVW?5/UQZ1Z:*-HDN:2[?#M_A[-VU,^[ZI^E5Z8Z=ZI!]</&@.YNW9
ML^D_TO4_X+_BUXRDEVV6C]#^9Z;_`-V7\Y_+Y^!]QPK?J;LFUW2@-E>EHQY]
M2'?:-GJCU?1W>GL]3\_U?3_1*R+OJ1(AW1YG33%_\BO!4D&&6Y\^GR_1_]G_
M[0U.4&AO=&]S:&]P(#,N,``X0DE-!`0```````\<`5H``QLE1QP"```"K9P`
M.$))300E```````0Q3+&%=*/!&.(I*5RR,^I%3A"24T$.@``````Y0```!``
M```!```````+<')I;G1/=71P=70````%`````%!S=%-B;V]L`0````!);G1E
M96YU;0````!);G1E`````$-L<FT````/<')I;G13:7AT965N0FET8F]O;```
M```+<')I;G1E<DYA;65415A4`````0``````#W!R:6YT4')O;V93971U<$]B
M:F,````,`%``<@!O`&\`9@`@`%,`90!T`'4`<```````"G!R;V]F4V5T=7``
M```!`````$)L=&YE;G5M````#&)U:6QT:6Y0<F]O9@````EP<F]O9D--64L`
M.$))300[``````(M````$`````$``````!)P<FEN=$]U='!U=$]P=&EO;G,`
M```7`````$-P=&YB;V]L``````!#;&)R8F]O;```````4F=S36)O;VP`````
M`$-R;D-B;V]L``````!#;G1#8F]O;```````3&)L<V)O;VP``````$YG='9B
M;V]L``````!%;6Q$8F]O;```````26YT<F)O;VP``````$)C:V=/8FIC````
M`0```````%)'0D,````#`````%)D("!D;W5B0&_@````````````1W)N(&1O
M=6)`;^````````````!";"`@9&]U8D!OX````````````$)R9%15;G1&(U)L
M=````````````````$)L9"!5;G1&(U)L=````````````````%)S;'15;G1&
M(U!X;$!RP```````````"G9E8W1O<D1A=&%B;V]L`0````!09U!S96YU;0``
M``!09U!S`````%!G4$,`````3&5F=%5N=$8C4FQT````````````````5&]P
M(%5N=$8C4FQT````````````````4V-L(%5N=$8C4')C0%D````````````0
M8W)O<%=H96Y0<FEN=&EN9V)O;VP`````#F-R;W!296-T0F]T=&]M;&]N9P``
M```````,8W)O<%)E8W1,969T;&]N9P`````````-8W)O<%)E8W12:6=H=&QO
M;F<`````````"V-R;W!296-T5&]P;&]N9P``````.$))30/M```````0`2P`
M```!``(!+`````$``CA"24T$)@``````#@`````````````_@```.$))300-
M```````$````>#A"24T$&0``````!````!XX0DE-`_,```````D`````````
M``$`.$))32<0```````*``$``````````CA"24T#]0``````2``O9F8``0!L
M9F8`!@```````0`O9F8``0"AF9H`!@```````0`R`````0!:````!@``````
M`0`U`````0`M````!@```````3A"24T#^```````<```________________
M_____________P/H`````/____________________________\#Z`````#_
M____________________________`^@`````________________________
M_____P/H```X0DE-!`@``````!`````!```"0````D``````.$))300>````
M```$`````#A"24T$&@`````#0P````8``````````````"$```*H````!P!D
M`',`<``S`#<`,`!C`````0`````````````````````````!````````````
M``*H````(0`````````````````````!`````````````````````````!``
M```!````````;G5L;`````(````&8F]U;F1S3V)J8P````$```````!28W0Q
M````!`````!4;W`@;&]N9P``````````3&5F=&QO;F<``````````$)T;VUL
M;VYG````(0````!29VAT;&]N9P```J@````&<VQI8V5S5FQ,<P````%/8FIC
M`````0``````!7-L:6-E````$@````=S;&EC94E$;&]N9P`````````'9W)O
M=7!)1&QO;F<`````````!F]R:6=I;F5N=6T````,15-L:6-E3W)I9VEN````
M#6%U=&]'96YE<F%T960`````5'EP965N=6T````*15-L:6-E5'EP90````!)
M;6<@````!F)O=6YD<T]B:F,````!````````4F-T,0````0`````5&]P(&QO
M;F<``````````$QE9G1L;VYG``````````!"=&]M;&]N9P```"$`````4F=H
M=&QO;F<```*H`````W5R;%1%6%0````!````````;G5L;%1%6%0````!````
M````37-G951%6%0````!```````&86QT5&%G5$585`````$```````YC96QL
M5&5X=$ES2%1-3&)O;VP!````"&-E;&Q497AT5$585`````$```````EH;W)Z
M06QI9VYE;G5M````#T53;&EC94AO<GI!;&EG;@````=D969A=6QT````"79E
M<G1!;&EG;F5N=6T````/15-L:6-E5F5R=$%L:6=N````!V1E9F%U;'0````+
M8F=#;VQO<E1Y<&5E;G5M````$453;&EC94)'0V]L;W)4>7!E`````$YO;F4`
M```)=&]P3W5T<V5T;&]N9P`````````*;&5F=$]U='-E=&QO;F<`````````
M#&)O='1O;4]U='-E=&QO;F<`````````"W)I9VAT3W5T<V5T;&]N9P``````
M.$))300H```````,`````C_P````````.$))3001```````!`0`X0DE-!!0`
M``````0````#.$))300,``````14`````0```*`````(```!X```#P````0X
M`!@``?_8_^T`#$%D;V)E7T--``'_[@`.061O8F4`9(`````!_]L`A``,"`@(
M"0@,"0D,$0L*"Q$5#PP,#Q48$Q,5$Q,8$0P,#`P,#!$,#`P,#`P,#`P,#`P,
M#`P,#`P,#`P,#`P,#`P,`0T+"PT.#1`.#A`4#@X.%!0.#@X.%!$,#`P,#!$1
M#`P,#`P,$0P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`S_P``1"``(`*`#
M`2(``A$!`Q$!_]T`!``*_\0!/P```04!`0$!`0$``````````P`!`@0%!@<(
M"0H+`0`!!0$!`0$!`0`````````!``(#!`4&!P@)"@L0``$$`0,"!`(%!P8(
M!0,,,P$``A$#!"$2,05!46$3(G&!,@84D:&Q0B,D%5+!8C,T<H+10P<EDE/P
MX?%C<S46HK*#)D235&1%PJ-T-A?25>)E\K.$P]-UX_-&)Y2DA;25Q-3D]*6U
MQ=7E]59F=H:6IK;&UN;V-T=79W>'EZ>WQ]?G]Q$``@(!`@0$`P0%!@<'!@4U
M`0`"$0,A,1($05%A<2(3!3*!D12AL4(CP5+1\#,D8N%R@I)#4Q5C<S3Q)086
MHK*#!R8UPM)$DU2C%V1%539T9>+RLX3#TW7C\T:4I(6TE<34Y/2EM<75Y?56
M9G:&EJ:VQM;F]B<W1U=G=X>7I[?'_]H`#`,!``(1`Q$`/P#4^T]*:7S5]6W_
M`*1Y:"^@.+"]SJV%T,:VUM3F5/\`9_.TO?\`X;]%"V[IKJVOJ;]6Z[A=+JB[
M'+#2&RW])MW>K99['?\`!KQE))3[,_+Z:T66"CZMNVM)92QU#BXC=HUSBS=8
M_P!G^CK_`,'_`,+20W=%:]]C/^;MC+-I;0_[.TU_HZ_4;ZK/:[]8];_2;&?Z
M1>*I)*?:79/175LL;5T`7-]0&DNQ6UN(<QE+WO=OM]-]?JVL]+_@_55K$N^J
MNVW[:>A!^_\`1"D8VWT]K.=^]V[U?57AB22GWKUOJ/\`O='^[%_\BEZWU'_>
MZ/\`=B_^17@J22GWKUOJ/^]T?[L7_P`BEZWU'_>Z/]V+_P"17@J22GWKUOJ/
M^]T?[L7_`,BEZWU'_>Z/]V+_`.17@J22GWKUOJ/^]T?[L7_R*%?;]22UL.Z5
MM#QZHJ&,+-FN[T]HW_2V;O3_`$OI[_1_2+PI))3[(+OJMO'_`":62W<2(!;+
M/4<S;O?NV>KL99_G_P`VE;;]5]]WHNZ:*QN..7-U)@[&V@_V?=N7C:2=_BMD
M;C^8VZ_+T_YS[/;=]4_7'I'IHHVB2YI+M\.W^'LW;4S[OJGZ57ICIWJD'UP\
M:`[F[=FSZ3_2]3_@O^+7C*27;9:/T/YGIO\`W9?SG\OGX'W'"M^INR;7=*`V
M5Z6C'GU(=]HV>J/5]'=Z>SU/S_5]/]$K(N^I$B'='F=-,7_R*\%2089;GSZ?
M+]'_V3A"24T$(0``````50````$!````#P!!`&0`;P!B`&4`(`!0`&@`;P!T
M`&\`<P!H`&\`<````!,`00!D`&\`8@!E`"``4`!H`&\`=`!O`',`:`!O`'``
M(`!#`%,`-@````$`.$))300&```````'``@````!`0#_X1!>:'1T<#HO+VYS
M+F%D;V)E+F-O;2]X87`O,2XP+P`\/WAP86-K970@8F5G:6X](N^[OR(@:60]
M(E<U33!-<$-E:&E(>G)E4WI.5&-Z:V,Y9"(_/B`\>#IX;7!M971A('AM;&YS
M.G@](F%D;V)E.FYS.FUE=&$O(B!X.GAM<'1K/2)!9&]B92!835`@0V]R92`U
M+C,M8S`Q,2`V-BXQ-#4V-C$L(#(P,3(O,#(O,#8M,30Z-38Z,C<@("`@("`@
M("(^(#QR9&8Z4D1&('AM;&YS.G)D9CTB:'1T<#HO+W=W=RYW,RYO<F<O,3DY
M.2\P,B\R,BUR9&8M<WEN=&%X+6YS(R(^(#QR9&8Z1&5S8W)I<'1I;VX@<F1F
M.F%B;W5T/2(B('AM;&YS.GAM<#TB:'1T<#HO+VYS+F%D;V)E+F-O;2]X87`O
M,2XP+R(@>&UL;G,Z<&1F/2)H='1P.B\O;G,N861O8F4N8V]M+W!D9B\Q+C,O
M(B!X;6QN<SID8STB:'1T<#HO+W!U<FPN;W)G+V1C+V5L96UE;G1S+S$N,2\B
M('AM;&YS.GAM<$U-/2)H='1P.B\O;G,N861O8F4N8V]M+WAA<"\Q+C`O;6TO
M(B!X;6QN<SIS=$5V=#TB:'1T<#HO+VYS+F%D;V)E+F-O;2]X87`O,2XP+W-4
M>7!E+U)E<V]U<F-E179E;G0C(B!X;6QN<SIS=%)E9CTB:'1T<#HO+VYS+F%D
M;V)E+F-O;2]X87`O,2XP+W-4>7!E+U)E<V]U<F-E4F5F(R(@>&UL;G,Z<&AO
M=&]S:&]P/2)H='1P.B\O;G,N861O8F4N8V]M+W!H;W1O<VAO<"\Q+C`O(B!X
M;7`Z0W)E871E1&%T93TB,C`Q-2TP-"TS,%0P.3HQ,#HU-2TP-3HP,"(@>&UP
M.D-R96%T;W)4;V]L/2)04V-R:7!T-2YD;&P@5F5R<VEO;B`U+C(N,B(@>&UP
M.DUO9&EF>41A=&4](C(P,34M,#4M,#)4,#4Z,C0Z,#8K,#4Z,S`B('AM<#I-
M971A9&%T841A=&4](C(P,34M,#4M,#)4,#4Z,C0Z,#8K,#4Z,S`B('!D9CI0
M<F]D=6-E<CTB06-R;V)A="!$:7-T:6QL97(@,3`N,2XQ,R`H5VEN9&]W<RDB
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M;&]R36]D93TB,R(^(#QX;7!-33I(:7-T;W)Y/B`\<F1F.E-E<3X@/')D9CIL
M:2!S=$5V=#IA8W1I;VX](F-O;G9E<G1E9"(@<W1%=G0Z<&%R86UE=&5R<STB
M9G)O;2!A<'!L:6-A=&EO;B]P9&8@=&\@87!P;&EC871I;VXO=FYD+F%D;V)E
M+G!H;W1O<VAO<"(O/B`\<F1F.FQI('-T179T.F%C=&EO;CTB<V%V960B('-T
M179T.FEN<W1A;F-E240](GAM<"YI:60Z0T(V-S9#148U0T8P130Q,3@V03$X
M.#DX.3)%139$1C4B('-T179T.G=H96X](C(P,34M,#4M,#)4,#4Z,C0Z,#8K
M,#4Z,S`B('-T179T.G-O9G1W87)E06=E;G0](D%D;V)E(%!H;W1O<VAO<"!#
M4S8@*%=I;F1O=W,I(B!S=$5V=#IC:&%N9V5D/2(O(B\^(#QR9&8Z;&D@<W1%
M=G0Z86-T:6]N/2)C;VYV97)T960B('-T179T.G!A<F%M971E<G,](F9R;VT@
M87!P;&EC871I;VXO<&1F('1O(&EM86=E+VIP96<B+SX@/')D9CIL:2!S=$5V
M=#IA8W1I;VX](F1E<FEV960B('-T179T.G!A<F%M971E<G,](F-O;G9E<G1E
M9"!F<F]M(&%P<&QI8V%T:6]N+W9N9"YA9&]B92YP:&]T;W-H;W`@=&\@:6UA
M9V4O:G!E9R(O/B`\<F1F.FQI('-T179T.F%C=&EO;CTB<V%V960B('-T179T
M.FEN<W1A;F-E240](GAM<"YI:60Z0T,V-S9#148U0T8P130Q,3@V03$X.#DX
M.3)%139$1C4B('-T179T.G=H96X](C(P,34M,#4M,#)4,#4Z,C0Z,#8K,#4Z
M,S`B('-T179T.G-O9G1W87)E06=E;G0](D%D;V)E(%!H;W1O<VAO<"!#4S8@
M*%=I;F1O=W,I(B!S=$5V=#IC:&%N9V5D/2(O(B\^(#PO<F1F.E-E<3X@/"]X
M;7!-33I(:7-T;W)Y/B`\>&UP34TZ1&5R:79E9$9R;VT@<W12968Z:6YS=&%N
M8V5)1#TB>&UP+FEI9#I#0C8W-D-%1C5#1C!%-#$Q.#9!,3@X.3@Y,D5%-D1&
M-2(@<W12968Z9&]C=6UE;G1)1#TB>&UP+F1I9#I#0C8W-D-%1C5#1C!%-#$Q
M.#9!,3@X.3@Y,D5%-D1&-2(@<W12968Z;W)I9VEN86Q$;V-U;65N=$E$/2)U
M=6ED.F(P-F$V-V4R+3%E.&0M-#8Y-BUB,68P+3$S-F$X,S9A.3(S,B(O/B`\
M+W)D9CI$97-C<FEP=&EO;CX@/"]R9&8Z4D1&/B`\+W@Z>&UP;65T83X@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`\/WAP86-K970@96YD/2)W(C\^_^X`#D%D
M;V)E`&1``````?_;`(0``0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0("`@("`@("`@("`P,#`P,#`P,#`P$!`0$!`0$!`0$!
M`@(!`@(#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#_\``$0@`(0*H`P$1``(1`0,1`?_=``0`5?_$`:(````&`@,!
M``````````````<(!@4$"0,*`@$`"P$```8#`0$!````````````!@4$`P<"
M"`$)``H+$``"`0,$`0,#`@,#`P(&"74!`@,$$042!B$'$R(`"#$403(C%0E1
M0A9A)#,74G&!&&*1)4.AL?`F-'(*&<'1-2?A4S:"\9*B1%1S148W1V,H5597
M&K+"TN+R9(-TDX1EH[/#T^,I.&;S=2HY.DA)2EA96F=H:6IV=WAY>H6&AXB)
MBI25EI>8F9JDI::GJ*FJM+6VM[BYNL3%QL?(R<K4U=;7V-G:Y.7FY^CIZO3U
M]O?X^?H1``(!`P($!`,%!`0$!@8%;0$"`Q$$(1(%,08`(A-!40<R811Q"$*!
M(Y$54J%B%C,)L23!T4-R\!?A@C0EDE,88T3QHK(F-1E4-D5D)PIS@Y-&=,+2
MXO)59756-X2%H[/#T^/S*1J4I+3$U.3TE:6UQ=7E]2A'5V8X=H:6IK;&UN;V
M9W>'EZ>WQ]?G]TA8:'B(F*BXR-CH^#E)66EYB9FIN<G9Z?DJ.DI::GJ*FJJZ
MRMKJ^O_:``P#`0`"$0,1`#\`.+OO_A.WC]V;[WWNH_S8_P"8C@3N?>^\-Q'!
MX3+QP8C#'-[CR>3.+QL?^DE?\CH#5>*-M*:U35I6^D7T#UZ]XE,:?YGI+?\`
M0-YC_P#O;S_,E_\`/['_`/;*]ZT#UZWXO]#^9Z]_T#>8_P#[V\_S)?\`S^Q_
M_;*]^T#UZ]XO]#^9Z]_T#>8__O;S_,E_\_L?_P!LKW[0/7KWB_T/YGKW_0-Y
MC_\`O;S_`#)?_/['_P#;*]^T#UZ]XO\`0_F>O?\`0-YC_P#O;S_,E_\`/['_
M`/;*]^T#UZ]XO]#^9Z]_T#>8_P#[V\_S)?\`S^Q__;*]^T#UZ]XO]#^9Z]_T
M#>8__O;S_,E_\_L?_P!LKW[0/7KWB_T/YGKW_0-YC_\`O;S_`#)?_/['_P#;
M*]^T#UZ]XO\`0_F>O?\`0-YC_P#O;S_,E_\`/['_`/;*]^T#UZ]XO]#^9Z]_
MT#>8_P#[V\_S)?\`S^Q__;*]^T#UZ]XO]#^9Z]_T#>8__O;S_,E_\_L?_P!L
MKW[0/7KWB_T/YGKW_0-YC_\`O;S_`#)?_/['_P#;*]^T#UZ]XO\`0_F>O?\`
M0-YC_P#O;S_,E_\`/['_`/;*]^T#UZ]XO]#^9Z]_T#>8_P#[V\_S)?\`S^Q_
M_;*]^T#UZ]XO]#^9Z]_T#>8__O;S_,E_\_L?_P!LKW[0/7KWB_T/YGKW_0-Y
MC_\`O;S_`#)?_/['_P#;*]^T#UZ]XO\`0_F>O?\`0-YC_P#O;S_,E_\`/['_
M`/;*]^T#UZ]XO]#^9Z]_T#>8_P#[V\_S)?\`S^Q__;*]^T#UZ]XO]#^9Z]_T
M#>8__O;S_,E_\_L?_P!LKW[0/7KWB_T/YGKW_0-YC_\`O;S_`#)?_/['_P#;
M*]^T#UZ]XO\`0_F>O?\`0-YC_P#O;S_,E_\`/['_`/;*]^T#UZ]XO]#^9Z]_
MT#>8_P#[V\_S)?\`S^Q__;*]^T#UZ]XO]#^9Z]_T#>8__O;S_,E_\_L?_P!L
MKW[0/7KWB_T/YGKW_0-YC_\`O;S_`#)?_/['_P#;*]^T#UZ]XO\`0_F>O?\`
M0-YC_P#O;S_,E_\`/['_`/;*]^T#UZ]XO]#^9Z]_T#>8_P#[V\_S)?\`S^Q_
M_;*]^T#UZ]XO]#^9Z]_T#>8__O;S_,E_\_L?_P!LKW[0/7KWB_T/YGKW_0-Y
MC_\`O;S_`#)?_/['_P#;*]^T#UZ]XO\`0_F>O?\`0-YC_P#O;S_,E_\`/['_
M`/;*]^T#UZ]XO]#^9Z]_T#>8_P#[V\_S)?\`S^Q__;*]^T#UZ]XO]#^9Z]_T
M#>8__O;S_,E_\_L?_P!LKW[0/7KWB_T/YGKW_0-YC_\`O;S_`#)?_/['_P#;
M*]^T#UZ]XO\`0_F>O?\`0-YC_P#O;S_,E_\`/['_`/;*]^T#UZ]XO]#^9Z]_
MT#>8_P#[V\_S)?\`S^Q__;*]^T#UZ]XO]#^9Z]_T#>8__O;S_,E_\_L?_P!L
MKW[0/7KWB_T/YGKW_0-YC_\`O;S_`#)?_/['_P#;*]^T#UZ]XO\`0_F>O?\`
M0-YC_P#O;S_,E_\`/['_`/;*]^T#UZ]XO]#^9Z]_T#>8_P#[V\_S)?\`S^Q_
M_;*]^T#UZ]XO]#^9Z]_T#>8__O;S_,E_\_L?_P!LKW[0/7KWB_T/YGKW_0-Y
MC_\`O;S_`#)?_/['_P#;*]^T#UZ]XO\`0_F>O?\`0-YC_P#O;S_,E_\`/['_
M`/;*]^T#UZ]XO]#^9Z]_T#>8_P#[V\_S)?\`S^Q__;*]^T#UZ]XO]#^9Z]_T
M#>8__O;S_,E_\_L?_P!LKW[0/7KWB_T/YGKW_0-YC_\`O;S_`#)?_/['_P#;
M*]^T#UZ]XO\`0_F>O?\`0-YC_P#O;S_,E_\`/['_`/;*]^T#UZ]XO]#^9Z]_
MT#>8_P#[V\_S)?\`S^Q__;*]^T#UZ]XO]#^9Z]_T#>8__O;S_,E_\_L?_P!L
MKW[0/7KWB_T/YGKW_0-YC_\`O;S_`#)?_/['_P#;*]^T#UZ]XO\`0_F>O?\`
M0-YC_P#O;S_,E_\`/['_`/;*]^T#UZ]XO]#^9Z]_T#>8_P#[V\_S)?\`S^Q_
M_;*]^T#UZ]XO]#^9Z]_T#>8__O;S_,E_\_L?_P!LKW[0/7KWB_T/YGKW_0-Y
MC_\`O;S_`#)?_/['_P#;*]^T#UZ]XO\`0_F>O?\`0-YC_P#O;S_,E_\`/['_
M`/;*]^T#UZ]XO]#^9Z]_T#>8_P#[V\_S)?\`S^Q__;*]^T#UZ]XO]#^9Z]_T
M#>8__O;S_,E_\_L?_P!LKW[0/7KWB_T/YGKW_0-YC_\`O;S_`#)?_/['_P#;
M*]^T#UZ]XO\`0_F>O?\`0-YC_P#O;S_,E_\`/['_`/;*]^T#UZ]XO]#^9Z2^
M^?\`A/KUIU=LK<O9?:7\[+YZ]8];;,HTR.[^P>P>P,-M'9FVJ.600T\F7S^:
M[2I*&">LG/CIJ=6>JJY?VX(Y)"%/M`_BZ]XG]#^9Z(K'\!_ASDT%=L[^;S_.
MV[%VY-<XW>>P/B=\L]Q;.SD-R%J\#GH\%3T^6H)0+QSPAH95(9&((/NNG_5_
MJ'3F?-17_3?[/7/_`(;X^+__`'M#_GS?^D:_+3_ZT^_:?]7^H=>K\A_O7^SU
M[_AOCXO_`/>T/^?-_P"D:_+3_P"M/OVG_5_J'7J_(?[U_L]>_P"&^/B__P![
M0_Y\W_I&ORT_^M/OVG_5_J'7J_(?[U_L]>_X;X^+_P#WM#_GS?\`I&ORT_\`
MK3[]I_U?ZAUZOR'^]?[/7O\`AOCXO_\`>T/^?-_Z1K\M/_K3[]I_U?ZAUZOR
M'^]?[/7O^&^/B_\`][0_Y\W_`*1K\M/_`*T^_:?]7^H=>K\A_O7^SU[_`(;X
M^+__`'M#_GS?^D:_+3_ZT^_:?]7^H=>K\A_O7^SU[_AOCXO_`/>T/^?-_P"D
M:_+3_P"M/OVG_5_J'7J_(?[U_L]>_P"&^/B__P![0_Y\W_I&ORT_^M/OVG_5
M_J'7J_(?[U_L]>_X;X^+_P#WM#_GS?\`I&ORT_\`K3[]I_U?ZAUZOR'^]?[/
M7O\`AOCXO_\`>T/^?-_Z1K\M/_K3[]I_U?ZAUZOR'^]?[/7O^&^/B_\`][0_
MY\W_`*1K\M/_`*T^_:?]7^H=>K\A_O7^SU[_`(;X^+__`'M#_GS?^D:_+3_Z
MT^_:?]7^H=>K\A_O7^SU[_AOCXO_`/>T/^?-_P"D:_+3_P"M/OVG_5_J'7J_
M(?[U_L]>_P"&^/B__P![0_Y\W_I&ORT_^M/OVG_5_J'7J_(?[U_L]>_X;X^+
M_P#WM#_GS?\`I&ORT_\`K3[]I_U?ZAUZOR'^]?[/7O\`AOCXO_\`>T/^?-_Z
M1K\M/_K3[]I_U?ZAUZOR'^]?[/2_ZL_EB_#3MG?V"ZDH/YY?\S3KGM[=LXIM
MD=7=_P"T>TOCKN_L"J-M-!U]'W9E-C8;>^7>_HQ^,K*G(2?1(&/'O84>9ZT6
M(%=%1]O1TY/^$W%%%))%+_-U_F4Q2Q2/%+%+FECEBEC8I)%+&_9"O'+&ZE65
M@"I%CS[WH'KU3Q?Z'\SUP_Z!O,?_`-[>?YDO_G]C_P#ME>_:!Z]>\7^A_,]>
M_P"@;S'_`/>WG^9+_P"?V/\`^V5[]H'KU[Q?Z'\SU[_H&\Q__>WG^9+_`.?V
M/_[97OV@>O7O%_H?S/7O^@;S'_\`>WG^9+_Y_8__`+97OV@>O7O%_H?S/7O^
M@;S'_P#>WG^9+_Y_8_\`[97OV@>O7O%_H?S/2IV)_P`)V\?M/?>Q-U#^;'_,
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M\C=LXGX[;K[4CZ.I.R-TX#>.V(MO=ONE9,_7_8&W,M@(=S[`S5+2T,D\[9.D
MAIXZ<I)Y")$ONHXUQU[0U:4SU%V)_,R^"/9?3N0[\V7\@*+(=68;N/:7Q^SN
M5R6Q.QMN[EV]W#V!D8<7L/:.?V!G=JT.]</'O*HG22@KYZ):%Z8F626,)($U
M4>O6RC`T(ST)O8WS/^*G3]?\F<9VKW=M;8%5\-L+UYN#Y-G<5)GJ>EZNH.W8
MI).K*>2L@Q-1!NW.=@R1^#%XW"'(5U15,D/B#L![W4=:TG&./1%_D=_-<ZRK
M/@EV%\L?@?V'M7L?<W77R&^.?2.Z<%V=UKO+`Y394O;W:>W=GY^@WMU;OBBV
MAN?$9*OVKF)*K#5;#P,RF1"[1NBZKC'5M!#`,.C,_P`USY%]L_"[X8]T]Z_'
MFDVAD>VME;^ZIV3L*A[&P+[LVK6U'8G:6'V`U-E\)%7XEZ^KGARJI3OYXQ'4
M,'(8#3[\QH*CK4:AV"GA0]5%_(/^=9\A-I=2_P`I#='3&U.K'WW\T,+MW<OR
MSI=U;)JL_B=A8^3N_8_QPW-BMAXY<W22[3K3VSD<U3T[RR53Q&G2.S"%BU=1
MQT[X0J]3@''5U];\]_A.WR^S'P:PW?\`@*WY'T&X<GM>DV-_!=VR82IW?CZ>
M3)MU;#VB<`G7%9W#!A5%1+MQ<C_$;`H$\X,(M4>O3.AJ5*X_U?ZOY]0-N?S`
M?A/NGY49+X5XCY$;9JOD=AJ_.X7*;.@P6[9<`=T[2Q@SN].O,'V,N$'7NYNU
M=FX(/5Y#;=%DI<E$D3QJCS(T:[J*TZ]I:FJF.JX>F?YQF%^6&W<1F>E>PN@.
MGLK1?S,]B?%?*;:[5VQVWNZH[)^,F_Z_-XSK*LV9E:+:U'08'Y%_($[9R-9B
M#+XL/MZ*E,-?X69'EKJK^WIPQ:?B!KI)\N(_R='@W!_-3_EV;:[II?CWFOD_
MMK$]N5?<6X.@ZC:=7M7?[T^T^V=NY>+`3;2["W7%M9]J[&.6SLXH<36Y&KAH
M\Q4I(:5Y(HI)4WJ%:5ZIX;TU!<=>[O\`YIW\O+XV=K[\Z.[R^4.U=@]H]78'
M'Y[L/;\VV=]Y[';3ERZ4\^*V;DMU;:VUE]LGM'(T-2M7#MF.J?+R4@>017C=
M5]J`\^O"-VH0N.GK^95\D^P?A]\!?DG\INI:?:]9V)U)L7:V[=E0;UPK[BVG
M52[AWGM#"!\W@DK<9)D*6;"[BD=$\\3)*48_I*GQ-`3UI15@I^?^#HHG5WS"
M^>70GS(ZT^+O\R>H^'^Y=G=^_%+MSY0=;]M?%C;V_-I9?K3'=%[8?>^]L;V=
ML;<LU=7U^&R.VJ:H6GJ(8-354-J:29HYX5U4USU8JI'96O\`Q71A</\`S<_Y
M;.X.I^S^]<)\J=N9/J7I_/\`7.S]Y;PI=E]C,E?OGMK;];NGK[KWKO#-M5,[
MV?OW,X/%U<D^*PE/5U&,DI)XZWP&)B-ZAZ]:,;B@IGH4L+_,&^%NX^H>F^_L
M%WY@<GTSWYVSBNA>N-_4^W=Y_P`-C[MS3M%C>K>Q:)MO+E>HMVS3KXV3<D&-
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M?;<W1':/8NP-I]C5_4V9VEO#?VZNGL%NJ/'4[3]V9#K3`[GP/7N%P^XZ^3%G
M*UT\5+6R4SSP!H&5SNH''J@1FJ5%0.E3OW^8)\,.L>_-D?%K>G?."HOD'V5E
M.J\5L'K3$X#=NY*_=/\`ILI*S(=:9O'YK!8.MVX-HYK'T+5%7EGJUH<5#)"]
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MU[W[KW7O?NO=>]^Z]U[W[KW7:@L0J@EF(``^I)-@!_B3[]U[JMWKC9V$^9/R
MK[L[Z[=QN-WWTI\)^]\]\8OAIU%N/'4>9ZXHN\NJL)B'^2OS#W7M;)P56(WE
MVO+O?=*;1V/4Y"*>':N&PE344<:5M8TZUXD].'M51YD5Z.5\BODM-T!UQ5[\
MR\?8&^=PY2MDVIUUL;:<>:SF=WKV!583,9G#820TC2_P;;]/1X2HJ\ED)?VZ
M6BIG"!YGBC8XV7:9MYO1:QR+'"H#R.Q`"1ZE0MGBQ9U"C`J:L50,PE;V3]HM
MU][.?+;E&QWS;]JV>WA%WN6X7LR006.VI/#!/.-9'CW#//'#:VR=TL\J:BL2
MR.H!X;Y.?+'L+XN_%[L+IS86%WIWA\C_`+&GRU9E:G=M#TGU#32UF:BJ]Y[Q
MAQ%?7[BAP;_84]/20"=_),9SJDD6&"4S_=.S6V^[G9;G?R1[9;4^`J9)"45J
M*S`*0,T.FM3&"%4LZS%NWLS[#<D_>$^\+R5[H>XVY[5[2<B>(T,<36TF^[TZ
MI`4L;$S+';-<#Q))9I#&NB,1"B(9)40FV/F-\Q^U^I*.?JKK+KZA[@VWW#V]
MT[W9V!O?>.Y(OC'UA4=)XZBR>5W;)E8<O!N.3&;_`%R,=+C"9*BFIJF"?RN%
M:"R^7E[8K*_7Z_<9VV^6".6**/1]2ZRLZJ!4:2R,G>E%:CKQ*N.A=S!]W?[N
MOMQ[E7<7N+[I<QR^V-]ROLN][#MUA;0GFK=EWV1XH;,0F-K82[=X;375%CEF
MB>'PU)66JVA^?E8GP0PGS'S6"SN$W+NO"U.$V?U:,GF*H;N[@FSN<VIMW`;9
M/G.7RFU,Y78*?,+(ODJ5PU/.-3.@=D@Y5E;FR3EJ*X$D49#/(I';%I5V)-`N
MH:A&&("EBK&BG`4E^Z7>M]\'=_NO[5S8EWL.VW:SWN[$(GT>RK;V]Y<W-V/[
M&*\MX[B.R*'3$;V2+"JQ53&?';N'>_;_`,?>D^VMRY!J+<?9?76'WAG:/!U6
M3I<+2Y+(SUL4T.*I:JOK*FGHE2F72DDTK`DW8^R+=K1-OW7<=OB<M%#+I!)J
M2*`UKBN3Z#'EU!_O?R1M/ME[U>['MML,]Q+L6P[Y/96[W#*\[Q1*A5IG145I
M"6-2J(#CM'00?,OY3]F_'?;'4DG7V0Z^J-W]L]IR["I:ONO>F1VEUUM["8W:
M^0W%F]Q9[<,>;PR8N&CDCI8_++-XU65@$=R@]FG+.RP[W<WT=R+@Q0PA@(15
MV<M0+\#\5#?AXTJ0*GJ3/NN>R'*_O;O_`+EKSK<<QIRQRWRZ-Q=-BM5O=SN9
MY;N*V@MK>V,4QF9P96T(FHE`=2H&/00;\^8GRLVMMOHW85*GQOH_D=W1A^P^
MP:O=.7[5S<_QBV3U)L>1#B-R/NFESS5.5R>_'J(J*C9:Z2DBJC=]*NK1FEER
M]M%Q<;A/-)?#:[<JNA5'CNY^(*2B@^&2"RE%8@G26*D&3.3_`+O/L3S#OON[
MSG/N_N'+[%\JW6V[:EI#MD:\UW^\[@#XUK]&T.F&+;PKSS@P+,\0`6I4AWGN
M/Y+?/;8_4&'[LPO5W2.R=M[?ZAJ-[]WX7N'M/./FMG;SQF0R\-9AMH_W7W)]
MGG]N;CQD.,GP3)/5U-9496.E9O*!J3[=M/+5QN'[NGW"[DE::B&,4&@A""U8
MF):.LGBFB!1'J`TDD%GM=[/?=.YN]SMU]J-U]UN==VWV]YG6PV"?9=LB\"^L
M98X62>]^K@UVUS;2M=1WX:.&*&*T>X"^&31"=A_-SYB;6V]TS@H-F].;$[@W
M/\:MX_*[M2/MW=N]L+L2@V7M;*524?66PEART.0/9N3V^M/45T%94S''33V8
MI&DDH6V/+6QW4]\PO;F6S6Z%M'X6@L)=*EGD;208=3$*Z@:@,*S$+T+^2?NS
M?=WY@WKW4WB;GSG'>/;';^?;+E#:#LUO:3[A+>WD2Z]UW#5&8_W7%<>+'`\,
M2?4I'4!G=$-@G5';69[5ZHZO[4C&X-M)V7L#:^^?[MUV6K:BKP#[BQ<-=-BI
M*AC3O50TTSM]O,T:-/3&.0J"Q'L&7UM]#?WUCXA?P9635323I."5SI-/B6IH
MU17'6%ON/R<WMU[C^X/MW)NL5^VP;U=[?]5&`J7`MI6C$P4%@I8`>(@9@DH=
M`2%KT5?Y*?*SY$[.[5H>COC7@-E[P[#P71&Z/D]V/4=K9_=E%AH^L=KYV7`1
M;1V=#M^LI7J-Z[EK*:31/42K3T^N('0/)(HDV+8+&\VYMVW>>9+)[L6L?AE0
M?&*:]4A8-1`#^$$T5L,=*G(?V(]C?:7F;V[N_=OWXYNW[:^2KSG"TY4VQ=HC
MMI)SNMW`+AKV]-RK!;&U1EU1QJ9):2$:NQ"#_8?\Q/NK.X39.;^,FS=K9I*;
MXDS?-GN6F[8W/NDKA^M\=F9]OY3K#953MFII&J=[C)XRM:.LJD$<L$<3*BL7
M5EEARK8DS_O2\F(>^%G!X6E6:1U#QR.'#41U(P#V,"&J"")/Y)^YOR!L^[\V
M;1[_`//N\V;O[E#D39'V>&W_`%MSD@6YBW6^6Z#Z;#PI8`T$3:ED:0%BH5@K
M^_OYC59L;`?'Y^G\/NS=FX^]*3HG?F1K<]09^JV5U;U+W/EH,5CYMU9RBK*&
MDEWWFLF*G'8NC1P$:BGJIETB**5C:^49+B7=UW&Y5(;62:(%6`,LD)&K0#7M
M"D'U)90,:F4,>S/W,[WF[>?>A?<[F>VVW8^4).8-OBCM[B);_=MXV.%II%M+
M>19'&WP1>%<W<[+D3Q6\3:C)(C]\L/E7\O.DMT]N[AZSZHVY7?'WXYX+;&X^
MP]Y]O[@WCM_,]PQ[CK*:GR.%Z0R>(J1A%EV:];'2UDU3&\AKD=0CEZ>&5G8M
MGV+<+2U%_N<HW.Y#E%@T,(@E=7BH>^K*NM`"`P9150LCJ4?=P]C?N^^[/+WM
MELG/ONWN\/O5SU>W=KMMCLT5K<P;*;9&:*??HIAX^F^T-+"D3*HMRK:ET32H
M>W';MR>7Q6&S5%EMP14.?P>$W#0P5];515]/0[@Q-'F:.FKXTFT)74]-7*DP
M7TB16MQ["LD;0RRPN071V4D<"5)4D?(D8ZP^O;.?;=PW3:KMHVN[.[GMI&C-
M8VDMYG@=HR<F-FC+(3G217/1$/EQ\M/E5\?:_.[UV5UWLW)=`=7X/9>7WUNS
MLW>6X<+N/M[-;SS,6*J-@]%+A\@]-'G]IQU"-4M6P222S)*5C=!"DPJY>V3:
M-XC^GN;Z<;I*'*+$%81JG$RJ1J8D"JJM`VI%!'ZC)F%]VKV&]B_>FSV;E3FK
MW,WV#WGYAO+Z#;[/:K:&>UV6"Q@,R[CS`9D#&VO"K"+P)%5$*:G5S(T;G\W?
MG'GOB_@^IL;LK[G<'9O;^X]L5&/P6YWS%33[+ZOK,IA<9N+=N\*#%UU+-09`
MYC<-)A:%99883DS4$>0T_C;7+'++[[)>R3N5LK>JEE(&N0'X4)X@(&<T#',8
M(`8L"_[IGW8$^\#N_N1?<U[I+9<@<L6%VLEQ:.BM?;LD,\MK9V4DJNLD?@VT
MU]<%4=Q:B'X/&UJF>Y_F#\EJ#Y;[]^,OQ\E^.>2.P:+K6*6/OGMG+;'WGNW<
MW8&*FSC8#8U)'N3&C<U3C,:J&6.DHYY*;6ADU-+&A4;;R[8/R_8[[NRWHBF,
MA+0K5$2-RK,WZ;@'!*AG76<"@!(/_:S[OGLW>?=KY.]_/>K<?<&`[S+NA4\O
M;6FX6-G:[=*L`N-P<V\GTB2RE@K33(LFEM%%C=P<GN;K3K'Y$=?;CZ;[_P!B
MX;NOJ#=<#46?V%V#!+7T4Z`DP93"UC.,MLK>.'GM48S-XF:CRV*K8XZBFG21
M`?8*&0-0SUA)$TFA&?2)*9TFH_(^8_P]%1^$FZ^PL;1_(/XH=O;WSW:78GP?
M[7V[U7A.X-X52UV^NY?CAV=U_B^U?B_O_L;(I!3?QKM#';!KJG;.X\DR"3*U
MVWEK9;SU,K'P\P>G6`[6'`]'=][ZIU[W[KW7O?NO=>]^Z]U[W[KW4FA_XN.+
M_P"UKB__`'84WO?6QQ'7_]&Q3Y0_&;YH?,G^:IV!O+I[MF7X=]6?#GXXQ]#=
M;=U=J_&VF[GV5W3N'Y,9#,9GY(T/66'W-D<3A<S38G;]5%B*W,4IED@%,*8:
M?+K6Y!)ZVK(JY6I)]>BK_%;XX?*OK^B_E4_%WN'J+L7<V-_EK?S>.Z-MQ=EU
M6P<S)U]GOB_4=?;FW1T[W[@<U615=#!UQ3[@S$E'35TDS)C:V"G@\OW`4>]4
M/#K992=0Q4?Y/]7Y]8]]?&#OG*;&^1^!C^/G95=2;N_X4[=._(NAP?\`<#)5
M5#N/XWT,VWY]S=UT^,%))!DNH/-%.U9EU1\?J9C,P]=O$'^?6]2XK_!3\^I_
MS6^.'R-RVZ?YUG8FPOC_`-G;VQL_\P_^6=\I.NL+M;:U1)E.\.L>@-KXRN[>
MR_2U',*>'L7);;FB<UD>/,TC3!U]4H9/?J')IUH%3I6HJ3_FZZ[-W=\SM[;R
M_G%_,GIKX8?('K8?(!_Y:.<ZEP/='QWVIV!V]-T5L4[DI.WNXNM.A]Y#<NT-
MQ=]]9X^.'*XS;=>E3D\&)X:B>%)R$3V<X].MG21&NH>?1<<Q\=_DUO;X]_S5
MIZ#I/YZ;TROR!^6W\J/NOI_-_+#K])?DOW9UGL3<F'I]Y[ZW'CMGX3$X.DJM
MJ0X:2IJ\)!0T,^U,%)115M/`4?3ZAZ\66B"H_+\NK[OYS6RM_=H?"GLO;?4.
MR-R]I[TD^2WQ/W=B=H;'PU9N7/9?";,^3VQ-V;BR='BL=%-4U&,P^`QLM75S
M!?'!2HTDA5%9A9LCIJ(T9:^G5!E;\!_DQLGMKYP5=1TMVIO+K[JO^8_\/ML_
M#JDQ6QLID4R'QGSGSTWY\Q^Z-[;'DIX)(LQLC;M7N&E_B=?3AJ.B\@2:1?&^
MFM#G'3I=2JBN?/Y\.A;ZU^*'>V"^74?Q<[8VO_,:SU)A_P";SN+YX8++]9[4
MZ)PGP4CZWE[@J>U-G_,3(?(_='6N;WI6;YQF,G;%9K:"9J/(UJNU+2F*4")_
M4->!Z]J734:>%//_`#_ZOLZ;_C3\3>_-N?*/J;XO]T[1_F*9&?IC^:-O/YM4
MN5V7M7I#;'P`P>R8^R]Q=A;-^5>.[_SO7>6W_N_)[CPNXGP^2V?_`!Y,K5I5
M3T\8@DC2!O4S0]>+#22*#%/GG_5_J'3CM#JWY"F'#?'^L^*'R%PFY^E/^%)V
M%^6^Z-Y-U?4Q=3YSX\]M]B[PW#BNR-A[SHZB:FW'L_9N#HXJK.521K2XFGKZ
M4-(SR,D?J'T\^O*0`3J'P'I:=M_&7O3*_$#^:9A<;\=^R,IO_LS^?-LCO#KS
M$4VP<A5;M[(Z4P/;W4N1@[3VE%!32Y+.==46`HLBT63B_P`D@IA4L61#*3ZA
MSCSZUJ7]//!1T6W^8]#W!T3\<OYY7Q_S?Q4W=V?L?Y%_.6+Y@[?^;VVJWKW<
M'0NP.N]R]D]7K0;?WINV+/3[EP??W7NYZ*/;N%VDE)'E'FR,LYBAI(S-5:.`
M<=.)1FC8'@`*>O\`J_S?E>U_.'Z\[%[6_E4_*_K/JC8^Z.QNR]V=-=78K:VP
MMFX.LW)NS<&0IMW]9UE?1XC`4$4]=D:FAQU'45$L<2.ZQ0.P!T^[GX3TQ&:2
M*WI7_`>D[US_`"M/AY\2>K?D)V%\=>G]Y9#Y`]D_#KLWKB3>/8O9._.Z>Q@=
MP=.9F0]<[%DWMD\A_=J3.;LFBI)J:BC6>JG1(-:QWC/M(%?7KWB,2H)P#T1B
M#HON+H7X6?\`"??Y`TOQF[0['@_ET&'?'RQ^+O7>Q*:K[TP[=B]85VU*OM#&
M=5Y-,?7[L[`ZGW<G\1J*%E&2IYJF.4&(/--'JF!UL&I85H<=(7<G3_?_`&?\
M0/YDG\/^$F_<!F_YU'SHVB/COT1V#LFMI,C\6.NFQ>V\=DOFO\DL1MZ)TZ5J
M\=/B)=QP+).E8<Q#2W:6-V<ZSZ<>K5`8=PQ_J_U?Y^D_N#KCN3XY?R=L8V6Z
M)EZB^3?\AOY?;5[MVSNJ?`5NV.K?E3M78O9N6DW-WMU[NNO60;\PGR2Z_P![
MU?\`''::2H.2H@IC1Y(HD]3'7@P+\<$?ZOS_`,'5U/\`*EZDS'QX^"WQAQ.]
MZ::3L;?=!E?E'W/#)I2KJNTODINFK[DW13O4%%D9J+#;@QV/0O=T6E`/(/NR
M\!Z]-R4+M3AU4IUGV3\[?Y9_5_?G\O/ISX%][=_]U9[Y&]T]C?`;Y)['VIC-
MV?%#=>QN_-V4F[J3<G>>?R5;11;+KNJYY*E,OC*]HUDD!29H(H_N)-9&*=6H
M'[RP`_U?ZO\`!TD?YKVW_GIV=N?Y)?'RIZL^3>Y,;V/\"^NL1U-5_P`OWI+8
MU1U;\G.\:+:N3J_D%C/E5\@-P[?S/8V*Z>ZGW5+5IM78ZY:DDR6.EA@I1)//
M&E5HU/EU9=`R*?G_`*O]6?R.7\:OCIV#N+Y=_+K<V<ZYW-U[0=I_R7OAM\>.
MJNU=[;1K,!C\)VG7=5Y3:N\MHT.<R%+KQ.Y]E9:NI/X_11.*S&BE)G1="7V!
MU5F%1D'/^?HD'Q<P?R'SVZ/Y`_1&>_E[?)'INJ_ED]R=A]:?)_NW?'7&,P_6
MN*SM7USN+&+7[%W1C*RLJ]V==;TFI8\YD-Q^*##C)5=/3K/45$JL="M1CK;4
MTMW@U_S?ZO\`8ZVD_=^F>O>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>
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MQU-:"FM:U^5*UKBG1IRV\<?-?)DLT@2WCWS;7=F-%5$OH&9G)H`B*"S%NU0"
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MRD5?2T^+J:`T\0M#!#)2[V^:XWJ]N9^8[0;N8U>+PSXD!0EHI(RS+JJJANTH
MSR>*)'J&DD4/\Q<@^XO./WB>>N=;O[U7)-A]YZ.QLMVY>FVZ]A;E]HB\]A-M
M<.Y7,>FSFVBR0F*T>WE>ZBG$TAK+-(@;[<^.?S2W+\=/CKO''[GVSLNNZ,Z\
M^1<VS.HN\\;NO<N]L%M7?4&=QG7NG'X*":*;?V'ZF"8W"Q9$BJQ8J$40J\AC
M5?\`OCEV'?MV@G3Q5NIXM<L2IX992"<EET@$L)&0E68EBS!=1'6_>^/W5-A]
M[O?'E>\Y?W#=;3F[>^65OMYY?FM+2QN+O;VMY=SK)<,"-MGWFMU?-;#PKOPW
M)E*H'8^'P+P796V?A]T1@>UEQ]-N/&[.IJ?#X>CP>3V[D=M;+6R[>VWN[&9=
M8:P;VQTRU35\OBA2198K!BK.X/YFEV^?>[Z7;%86Q;\1#$GY$5!`72":FK!B
M-(HHP^^^/N_(F_\`WGO>+>/;MII-CGW5VGG>XBN8KJ^/^Y5U92PED^@E'A"V
M36[+HDJ0"%5I^8%;U[@:[HG=W<7Q5D^3?4VW]V[L@W9E,?A*[?F:Z;J<SA*"
M+%9>/JF"GFQV]\-O6IHEI*F:MO!CFHD=5,S0JZCEPSLNYQ6>^FQOB(ROD)`I
M;4?$!#JR!B%6,%F\0UH@=E,?NR6G.^\VGO!RS[7_`'BEY`]R;W;+-K.&6XCV
MZ#>U@N)#-`=X9EDL)[%7,T20=]R)F1B(A(5K#V]T+'UCM[X=]T_(CXR[][!Z
M'P]9\I<7DNCZ;9\F_-W]1[1[5SF5W3T/1[GV*:H50CK)\K631K4-&<=42I*Y
MCJO#&1G)NQN7YDVO;M\ACORL($NHA)64J'*E5.(U1(RJ!A^$`Q!F'0#>_>)_
M<'?/O/>U?L?[^[/LGO'=1<I31;^]Z-NLMYO=HMXK3F%[3<-.C4HBA5FC#"ZC
M1XT#P>(X,A@NH>Y9?AI_+Q^,W96WMQD[T^1.U*GN3"U]!7YZHV1T3M#=>YNR
M=J[(W].8/'@J5,;58J!DK?$E,T*4I`:'0"N?<MI7F;FO>K%@`EH1`0P7_&#&
MH+J03KHR,C%2?$U%JG77J"MW]R_:Z/[TGWW/?OD/?+#_`'5<CWB[)/')';KN
M',%[:6NUWE_MRZJSN9%O)08-32!WN!59-9<OYB>W:;<?=NVMP]Z]/]H=W?'&
MH^.G9VW^M-O]387-9RJVG\KMQ9R6:#+Y^#;TM-7T%5EMMQ44&.GJ6FI%9(R(
M7\,UM<F7%O!M;P6EW#!NXOD:1I0"K6ZH`@"FN0Y8EETZ!KU-WH.D'W(=\N=C
M]I]^V7V>]S^7N4O?-.>-IN=TN=XN(+=;SE"V@`>&W:Y#1R)#<F>2ZBB"3L&<
M>*OBQUL$^.6/[,Q/QZZ/Q7=$E3)VWCNL]MT?8'W[QRY2#-0PRK24.:EB+1RY
MS&8'[.FK2"Q%5#(&)8,2"]V>VDW3<)+(@VIE.DCX2:#4R\!I9]16@`TD4`%.
ML+O?.]Y!W+WL]V]Q]J8XU]M)]_NGVWPP1$UNS`M)`K9$$MQXTL`('Z3H0`I`
MZ)%_,*Q.W$W/L+<>5ZR^45=F*[J;LK8N#[0^+.6DAK]T5.7DFEI/C3VOAZ#`
MY?(ILC=U?4I7?Q$212)'4310*["22`6<F74L*S(MY:"(3JQCN%U:,*/'B[U&
ML@::GM3PZNZA@KY9?<IW'?9.7N<]BVWG_P!O8MLAYDVK<)]IYMA!CM4@`#\T
M[1/)<0Q&_L8U:W^E*NK-'%)*54HDI6LSU9VK\3]KX?%YSJCL7?-?W3_+&R7Q
M7IH>MMN3;WDVI\C\EN[)YZ'9.[5P\S18;&TN-W-$LE8'D62:"585ET2,IU;[
MCM^[RK+'>PJ]KO<=R0Q\-'@BCTAD+"OZC!M)8!$4#Q&74H.0^V>X?MW]Y'F'
M==PV?W'V/9[+E7W_`(^;G;=+E;#ZOEB.SBMVO[/Q@#/*TMHQ6"BL$DC,A34B
MDWO?W4>]-G_!+XK=-P8/([CWAUEV/\.L5NJAVOCJG.STM3M2JEEWE6N,7!4S
M28?;U?))%+5&\$2(&+!2#[#NW[C:S\S\P;@LVFSG6<IJ.FH,B:,&G<5[J<>/
MSZQE]E_<KE7F?[X/WA_=&?=X+#EG?]AYVEM)+N1+=66\C`LHQXK*HFN8PK)$
M/U'9BH4L".@J^>'=-;O3Y14'36_NB?DMV#\2>J<E1[[WGB.F^L,IN"'Y"]K6
MI<YM[;N>SU5/C,4W4^STR"QSPT\TK55;#4DH7:GEIC/E;:1:;%)NEOO-C!OL
MJZ4,LM#"BE@2JJ&;Q"5UBM-6J,5"K(DDA_<]]JK7E;[OEY[H\F>[W(6R_>4Y
MD@?;[&;>]UAMCRWL_=;W-S;VZB68;Q>F,M&\J((;=X`&"B:.>W:BR1S./QF:
M^WJ*(9O$XK-)05E.*.MQL>7QU-D8\9740LM#7XR.I$$\`X@EC9!PON.Y(_!D
MDAU`Z&*U!J#0D5!\P:5!\P:]<TKJQ&UWM_M0G24VES-`9$;6DIAD:(RQR<9(
MY2ADCD.9$97.6ZJY_F"[KSNXX=P]&Y;XP=G[\W!-AMM;N^%W<75,&?S1IN\J
M^JQE'E:C<57C9J"@V'E-BY"!3:=JE*G'Q-*WC$J-[&O*MO!$%W./>H(B`ZW$
M<H7"@/IT5#4!0U\1@%U/H`8JU.A'W*^7=HV*78_=S;?O`\O[/L:W=U9<];)N
M[6\&OE^-97A6V2422;C%N$;$?IB)HKAA&-9C9>@3^9?QN^:(QG9O:\>\NK^Q
MYNS*CXG[4SFWZ39NZ]W=I[?'6F2V[6'&;>J<;BJG$8W9$/:`K,_N`T.J+(!1
M.[+Z4]G/+V]\KF6TLFMYH5A>X=#541C(2$9SK!8JIH-2Z@K%0<:A*WW6_?7[
MJ_UW('MPW*W,.Q0[!'SA>07+WUG9[1<_O2*Z3Q;E)95FEOVVGP-NVWQZ-;$^
M$JMW-UF^8.R)MYY7N7IW)?#*LROS,[.J^B*OJWY4]:8#-Y3:78.Y\9+MO^^W
M9%#ONLGFCZ/PFTQAJVDFQ<52Y-/XC62'Q)/[WL5['`;+<%YD`Y=B>?7;2!:H
MO<8PZ``2NK,KKJ5=0!\(%F*=-_=AYLCY6VWVL]T+'[TT5M]UGE^+F!-VY1W2
MY@AO=MM)1=?0[6^WHJG?Y[WQX)4O&C%)?$%L@#M%U=O4R14=%79+-YO%4N/V
MY@'R^\=YYFOIL/MK%X[`8M)MU;WW#F\@]/08/;E.*:>NJJRI>.&"`EG(^GN+
M!3N(72A)('H"<#\A0?EUR<3PV,C06QAMWD=HXCQBC9V:.(_.*,K&?]+U7[\$
MLE+W'G_EW\WZ;'93%]>_,?M_K^#XW#-8^KP^5W5\6_B_ULG2_6/<E1A\A!2Y
M#'XSO?<<NX-Q85:B**:7;TE!4E0M2GOP\ST\]*(H\A_ASU8![WTWU[W[KW7O
M?NO=>]^Z]U[W[KW4FA_XN.+_`.UKB_\`W84WO?6QQ'7_TK.=Y_\`"CC^4#M/
M>.\-H[B^0/:M'G-J;OW5MW+T2_'W>]5!297#9_(8[)0TU1#6-#44ZUE,^B1+
M"1+-87M[<U+UKPV/I^T=)W_H);_DV:='^S&=L:='CT_[+QOS3X[ZM%ON[:-7
M-OI?W[4O7O"?^C^T=>_Z"6_Y-G'_`#D;VSQ&8A_SCQOSB(_6,?Y7Q&?Z?3W[
M4O7O"?\`H_M'7E_X4M_R;4:)D^1O;*M`VJ!E^/&_5:%KZM41%6#&VKFXMS[]
MJ7KWA/\`T?VCKG_T$O?R;_(LO^S']M^5)6G27_9>M_>1)F;6TRO]YJ65FY+`
MW)]^U+U[PG_H_M'71_X4N_R;BVH_([MHMJD;4?CSOTMJF_SK7^\OJE_M'^U^
M??M2]>\)_P"C^T=8U_X4L?R:4.I/D5VLC`$!E^.V^U(#"Q%Q5@V(X/OVI>O>
M$_\`1_:.N0_X4M_R;!I`^1O;(T*R+;X\;\&E&_4B_P"5\*WY`X/OVI>O>$_]
M']HZ[_Z"7/Y-O@^V_P!F.[:^V\GE^W_V7G?O@\MK>7Q?=^/R6_M6O[]J7KWA
M/_1_:.N_^@EW^3<8!3?[,=VU]L)#**?_`&7G?O@$I%C*(OO/&)"/[5K^_:EZ
M]X3_`-']HZ[/_"E[^3>4CB/R/[;,42/%%&?CUOXI''(=4D<:?>:41VY(%@3]
M??M0Z]X3_P!']HZX#_A2W_)L#*P^1O;(9$\:,/CQOP,B6(T*15W5+'Z#CW[4
MO7O"?^C^T=5W]C_/S_A+KVUWEN'Y#[\WA\A:_>^]]];7[2[+V9B-J]\[<Z$[
M=[-V9415FV]_]L=&XC-P;-WKN:EKH5J)Y)1%#6U&J2>)S+-Y:U6O5M,M*57]
MHZL4E_X4P?R<)ZF6LE^1W:[54TLD\LZ_'7?,;-+*Q:1U$52BQZBQX4!0.``.
M/=M0ZKX3_P!']HZP#_A2M_)H!!'R)[5!!N"/CKOL$$&X(/W7UO[]J7KWA/\`
MT?VCKFO_``I;_DVI*LZ?(WME9U?R+,OQXWZLJR#Z2+(*L.''];W]^U+U[PG_
M`*/[1UV?^%+?\FUFE=OD;VRS3W,S'X\;]+3:C<^4FKO)<\F]_?M2]>\)_P"C
M^T=%=^4W\XS_`(3O_-?`=>;1^3/<'?N_-F=9;R.^L)LG%=:=P;.VCN7+DXIF
MQ79N"P.2AINP]GF7"4T@QE9IC1U<HZB:4/HE3QZV$D7@5_:.C0R_\*6OY-,K
MES\ANSXQI1(X:?XW[WIZ:GAB18H*6DIHJE8:6DI846.*)`$CC554``#WO4O6
MO"?U7]HZY+_PI>_DWI#+3I\C^VTIYRIF@7X\[^6&8K^DRQ"L"2%?Q<&WOVI>
MO>$_]']HZZ3_`(4N_P`FZ.-HH_D=VTD3NDKQI\>=^K&\D7^;D9!5A6>/^R2+
MC\>_:EZ]X3_T?VCKBW_"EG^36PLWR+[78:F>S?'??A&M_P!;V-7^IOR?J??M
M2]>\)_Z/[1US;_A2[_)O=51_D?VTR)$($1OCSOUE2$-J$*J:PA8@QOI'%_?M
M2]>\)_5?VCK%_P!!*W\F?_O(CM7_`-)UWU_]5>_:EZ]X3_T?VCKW_02M_)G_
M`.\B.U?_`$G7?7_U5[]J7KWA/_1_:.O?]!*W\F?_`+R([5_])UWU_P#57OVI
M>O>$_P#1_:.O?]!*W\F?_O(CM7_TG7?7_P!5>_:EZ]X3_P!']HZ]_P!!*W\F
M?_O(CM7_`-)UWU_]5>_:EZ]X3_T?VCKW_02M_)G_`.\B.U?_`$G7?7_U5[]J
M7KWA/_1_:.O?]!*W\F?_`+R([5_])UWU_P#57OVI>O>$_P#1_:.O?]!*W\F?
M_O(CM7_TG7?7_P!5>_:EZ]X3_P!']HZ]_P!!*W\F?_O(CM7_`-)UWU_]5>_:
MEZ]X3_T?VCKW_02M_)G_`.\B.U?_`$G7?7_U5[]J7KWA/_1_:.O?]!*W\F?_
M`+R([5_])UWU_P#57OVI>O>$_P#1_:.O?]!*W\F?_O(CM7_TG7?7_P!5>_:E
MZ]X3_P!']HZ]_P!!*W\F?_O(CM7_`-)UWU_]5>_:EZ]X3_T?VCKW_02M_)G_
M`.\B.U?_`$G7?7_U5[]J7KWA/_1_:.O?]!*W\F?_`+R([5_])UWU_P#57OVI
M>O>$_P#1_:.O?]!*W\F?_O(CM7_TG7?7_P!5>_:EZ]X3_P!']HZ]_P!!*W\F
M?_O(CM7_`-)UWU_]5>_:EZ]X3_T?VCKW_02M_)G_`.\B.U?_`$G7?7_U5[]J
M7KWA/_1_:.O?]!*W\F?_`+R([5_])UWU_P#57OVI>O>$_P#1_:.O?]!*W\F?
M_O(CM7_TG7?7_P!5>_:EZ]X3_P!']HZ]_P!!*W\F?_O(CM7_`-)UWU_]5>_:
MEZ]X3_T?VCKW_02M_)G_`.\B.U?_`$G7?7_U5[]J7KWA/_1_:.O?]!*W\F?_
M`+R([5_])UWU_P#57OVI>O>$_P#1_:.O?]!*W\F?_O(CM7_TG7?7_P!5>_:E
MZ]X3_P!']HZ]_P!!*W\F?_O(CM7_`-)UWU_]5>_:EZ]X3_T?VCKW_02M_)G_
M`.\B.U?_`$G7?7_U5[]J7KWA/_1_:.O?]!*W\F?_`+R([5_])UWU_P#57OVI
M>O>$_P#1_:.O?]!*W\F?_O(CM7_TG7?7_P!5>_:EZ]X3_P!']HZ]_P!!*W\F
M?_O(CM7_`-)UWU_]5>_:EZ]X3_T?VCKW_02M_)G_`.\B.U?_`$G7?7_U5[]J
M7KWA/_1_:.O?]!*W\F?_`+R([5_])UWU_P#57OVI>O>$_P#1_:.O?]!*W\F?
M_O(CM7_TG7?7_P!5>_:EZ]X3_P!']HZ]_P!!*W\F?_O(CM7_`-)UWU_]5>_:
MEZ]X3_T?VCKW_02M_)G_`.\B.U?_`$G7?7_U5[]J7KWA/_1_:.O?]!*W\F?_
M`+R([5_])UWU_P#57OVI>O>$_P#1_:.@7[X_GG?R!?DSL[&;([F[>[BS='MK
M<,&\^O\`=VUNG.V^O.U^H=^TD8AHNPNFNU]FYG%;TZUWK30J(VJJ"I$-7!^S
M605,/[?O1*GK81QYK^T=%J'\Z7X+XDBAVO\`SW/YB'\!I-$>)7L+X8=$]F[O
MIZ:*P@BRV_,UTK19G<51$BJ/N*I3.Y&IV9B2:U\JX_U?+JY0,#JC3/'/^SU)
M3^>%\0(Y))8_Y\GSDCEF*F:1/Y??QZ624J"%,CKU$&<J#Q<FWO1H>/\`@_V.
MF&LK1TCC>SA,:?"#I(%>-!6@_+KQ_GA?$`S"H/\`/E^<IG5#&LY_E]_'HS+&
M224$G^B+6$)-[7M[V*#AC_5]G7OHK,1&`6</@DU*]NFOK2M*_/K!_P`/<?#<
MOY#_`#W/FZ9"_D+_`/#>OQVUF35K\FK_`$0:M>OF_P!;\^_5Q2N/]7RZ>\)`
MN@1)HI2E<4I2E*\*8IZ=>?\`G<?#>1VDD_GN?-UY'.IW?^7K\=V=V/\`:9FZ
M@+,>/J??J_/_`%?LZ\D4<:JB1(J`4`!``'R%<=<HOYW?PZ@<2P?SW_F_#(`5
M$D7\O?X\1N`UM0#IU"&`-N?>]7S_`-7[.JR6\,R&.:"-X_0D$?L)ZY1_SO?A
MY%*T\7\^'YPQSOJUS1_R^/CRDK:SJ?5(O4(=M;<FYY/O5>`K@?ZO3JKVMO)&
ML,EM&T0I130@4P*`FF/+TZX+_.Z^'*B4+_/>^;ZB<%9@O\O;X[@3*6+%90.H
M?W`6-[&_/OU>&?\`5^SJY@B8QEH4)0U7([?+&<8QCKG#_.]^'E,S/3_SX/G#
M`S`*S0_R^/CS$S*#<*Q3J%20#^/?B:\3_J_9U66VMYP%GMHW4&H#4-#ZY/6'
M_A[7X:?][VOFW_Z;T^.O_P!J#WO5\_\`5^SIW2/X%_WK_9ZS0_SO?AY3EC!_
M/@^<,!==+F'^7Q\>(RZBY"L4ZA4LH)^A]ZK7B?\`5^SIJ6V@G"B:WC<`U&JA
MH?45..NHOYWGP[@U^#^>_P#."'R+HD\7\O?X\1ZTY]#Z.H1J7D\'CGWZM>)_
MU?LZ]);P3:?&MXWTFHJ0:'U%3@_/KC'_`#N?AQ"=4/\`/=^;T3%&C+1_R]OC
MNA,;`!DNO4(.A@.1]#[\37B?]7[.K20Q2C3+"C+6N2#D<#D\1Z]2(OYXGQ"A
M18H?Y\WSFBC062.+^7Y\>XT47)LJ+U&%47/X]Z[2:D"OV?['3,EA92NTDME"
MTAXDA23]I)J>HI_G;?#4DD_SV_FX2Q+,3_+T^.Q)9B2Q)_T07))-S[MJ^?\`
MJ_9TH"*``(UH/G_L]9(_YWOP[A22.+^?!\X8DF&F9(_Y?'QX1)5L5M(J]0@.
M-)(YOP?>JUXG_5^SIM[:"5HWDMXV=/A)H2/L)./RZXQ_SN?AQ"P>'^>[\WHG
M"LH>/^7M\=T8*PLRAEZA!"L."/S[\37B?]7[.K20Q2KHEA1DK6A((J.!H3Y=
M<D_G>?#M(7IT_GP?.!*>0WD@7^7Q\>%A<D`$O$.H0C$A1]1^/?J^=<_ZOEU5
MK:!Y4G>WC,R\&-"P^PUJ.HC_`,UK^2_VA)10_,_^91\Y_FSLS%9&BR]#T/V9
MT;'UG\8\OE,;5PU^-KNR^D^B]G]>X[N%,?64T<L5!N2NR&':1`9J.4>GWL$>
M9ZN5:E%"C\Q_G/5@LG_"EG^33(P9OD/VBH6.&&**'XW[TIJ>GIZ:&.FI:2DI
M:::&EHZ*CI84BAAB1(H8D5$544`;U+U3PW]5_:.N/_02M_)G_P"\B.U?_2==
M]?\`U5[WJ7KWA/\`T?VCKW_02M_)G_[R([5_])UWU_\`57OVI>O>$_\`1_:.
MO?\`02M_)G_[R([5_P#2==]?_57OVI>O>$_]']HZ]_T$K?R9_P#O(CM7_P!)
MUWU_]5>_:EZ]X3_T?VCKW_02M_)G_P"\B.U?_2==]?\`U5[]J7KWA/\`T?VC
MI1[-_P"%&O\`)_W=O/9NU-O]_=IUN>W/O#:VWL+2/\>][4T51ELUGL?C<=%/
M535BQ4M.]74H))6XC2[6-K>_:EZ]X;#T_:.O_],IW8W_`#,_MG_Q+O:__OQ-
MR^_=*4^$=)#W[JW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]
MU[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?
MNO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U
M[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?N
MO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[
MW[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO
M=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W
M[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=
8*_KG_F9_4W_B7>J/_?B;:]^ZJ_PGK__9
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>27
<FILENAME>g915197dsp370e.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g915197dsp370e.jpg
M_]C_X0<"17AI9@``34T`*@````@`!P$2``,````!``$```$:``4````!````
M8@$;``4````!````:@$H``,````!``(```$Q``(````>````<@$R``(````4
M````D(=I``0````!````I````-``+<;````G$``MQL```"<0061O8F4@4&AO
M=&]S:&]P($-3-B`H5VEN9&]W<RD`,C`Q-3HP-3HP,B`P-3HR-CHR.0```Z`!
M``,````!__\``*`"``0````!```"J*`#``0````!````/@`````````&`0,`
M`P````$`!@```1H`!0````$```$>`1L`!0````$```$F`2@``P````$``@``
M`@$`!`````$```$N`@(`!`````$```7,`````````$@````!````2`````'_
MV/_M``Q!9&]B95]#30`!_^X`#D%D;V)E`&2``````?_;`(0`#`@("`D(#`D)
M#!$+"@L1%0\,#`\5&!,3%1,3&!$,#`P,#`P1#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`P,#`P,#`$-"PL-#@T0#@X0%`X.#A04#@X.#A01#`P,#`P1$0P,#`P,
M#!$,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,_\``$0@`#P"@`P$B``(1
M`0,1`?_=``0`"O_$`3\```$%`0$!`0$!``````````,``0($!08'"`D*"P$`
M`04!`0$!`0$``````````0`"`P0%!@<("0H+$``!!`$#`@0"!0<&"`4###,!
M``(1`P0A$C$%05%A$R)Q@3(&%)&AL4(C)!52P6(S-'*"T4,')9)3\.'Q8W,U
M%J*R@R9$DU1D1<*C=#87TE7B9?*SA,/3=>/S1B>4I(6TE<34Y/2EM<75Y?56
M9G:&EJ:VQM;F]C='5V=WAY>GM\?7Y_<1``("`0($!`,$!08'!P8%-0$``A$#
M(3$2!$%187$B$P4R@9$4H;%"(\%2T?`S)&+A<H*20U,58W,T\24&%J*R@P<F
M-<+21)-4HQ=D154V=&7B\K.$P]-UX_-&E*2%M)7$U.3TI;7%U>7U5F9VAI:F
MML;6YO8G-T=79W>'EZ>WQ__:``P#`0`"$0,1`#\`[WH'UKZ/]87Y#.FOL>[$
MV>KZE;JXWEX9'J`;OYEZY:]SM^)J?YGQ\^K+H_JST_ZGX=F4[ZM/QW/LV?:_
ML]_KQ!L]+U&^K=Z7N?<BOPOJN?3WNH]K8J_31[?UCZ/Z3W?SF9_X+_HD^$A&
M[;G)\S#!Q\8)XJKA\!/_`+]YS*+OME&I_H[>_GU)->7?M`:G^CL[G_18*W,M
MWU6JO:+F;K&,`86E[@6'UBW9L=[OIY7_`()_HU8.+]5WV"QQH%IK;`=;#MFV
MK9+/4_T3<=.]P>.U-H?$<((/#/Y3':.Y_P`)YJ\N^V6ZG^9'?_@.E)\HN_:.
M=J>_<^`72OPOJP;'.>ZC>6@.F[\W9CM&GJ?1]&O$_P#`_P#2IK,/ZKF^UUCJ
M/6=_/3;!_M-]3VI#(/'94?B6$"/IGI#@VCOZ/ZW]5YNTN^WYFI_GG]_^[/45
MVN<VA^.6WO-=;G,;N$'W.<UE;=KVO8[=8YK?>Q9[\/ZL^M:Y[J/5<XFV;M=Q
M?<YVYOJ>W]._)_UK6M9Z>W])&V1]*(F?;S_*392NJZ-7F^:CE,#`&)A^]_@_
M]ZYN2>F.O87Y#F/OM-3`.]L5_1=L<ZMVW&_?_P#!?33XF!T_(8S(HN?=49`)
M=N:[:16[=N;[G?HMG[ZM4_L_U'>AZ/J>H_=LV[O5@>M.W_#;?YW\]$QOLWHC
M[+L]'7;Z4;>?=MV>WZ2;9:XS9`*$C6S2Q\3!Q[66-MM+JW^C#Y(WEL>[V?G;
M_IJVW-Q';-MH/J/=4P^+V;M[?^@F:,&6[?2GU7;(V_ST/]7;_P`/_.^I^?\`
MSB=OV*6;?2GU'>G&W^=AWJ;/^%V^IO2)O>TSG&1N1D3]$5[,7*<S=:^'[JF!
MDM&YCA8\[VMW-L:['_?1,2O';6ZV@[Q:07//)+&MH_D_Z)2_5?4K_F_5E_I<
M;I_P^S_T:B,]/;[(VR9B(F??_P!)*T&?IX037;I_+Y'%/I^E6156&=AMH@:C
M_NWL4G`!Q:6,(.UNK:9VN_,/ZRW=^9_Z+6C_`)/]O\S_`"?H_P#12_R?_P`#
MP/W>/S$[B9?O`[.>V/5C8P;-6^VG2/\`T*W)FP6D%E?M:W393R1'#<K]UBTO
M\GR8]&9U^CSJD/V?&GHQI^[\D.)7W@=OP<ZD,!J<*ZP38T2&4]C^;MRG?]#?
M8KG4.L=,Z:^BO.R:\=V4XLI%CFMD@;G.]Y;[&_O_`+[Z_P#2(H^P2-OHS(VQ
MMY_,C_OJ;,9@/?CG,+`YEH=C;W`?I=KVCTY(WV>FZWV($VQ9<G&0>S__V?_M
M#Q90:&]T;W-H;W`@,RXP`#A"24T$!```````#QP!6@`#&R5''`(```*MG``X
M0DE-!"4``````!#%,L85TH\$8XBDI7+(SZD5.$))300Z``````#E````$```
M``$```````MP<FEN=$]U='!U=`````4`````4'-T4V)O;VP!`````$EN=&5E
M;G5M`````$EN=&4`````0VQR;0````]P<FEN=%-I>'1E96Y":71B;V]L````
M``MP<FEN=&5R3F%M951%6%0````!```````/<')I;G10<F]O9E-E='5P3V)J
M8P````P`4`!R`&\`;P!F`"``4P!E`'0`=0!P```````*<')O;V93971U<```
M``$`````0FQT;F5N=6T````,8G5I;'1I;E!R;V]F````"7!R;V]F0TU92P`X
M0DE-!#L``````BT````0`````0``````$G!R:6YT3W5T<'5T3W!T:6]N<P``
M`!<`````0W!T;F)O;VP``````$-L8G)B;V]L``````!29W--8F]O;```````
M0W)N0V)O;VP``````$-N=$-B;V]L``````!,8FQS8F]O;```````3F=T=F)O
M;VP``````$5M;$1B;V]L``````!);G1R8F]O;```````0F-K9T]B:F,````!
M````````4D="0P````,`````4F0@(&1O=6)`;^````````````!'<FX@9&]U
M8D!OX````````````$)L("!D;W5B0&_@````````````0G)D5%5N=$8C4FQT
M````````````````0FQD(%5N=$8C4FQT````````````````4G-L=%5N=$8C
M4'AL0'+````````````*=F5C=&]R1&%T86)O;VP!`````%!G4'-E;G5M````
M`%!G4',`````4&=00P````!,969T56YT1B-2;'0```````````````!4;W`@
M56YT1B-2;'0```````````````!38VP@56YT1B-0<F-`60```````````!!C
M<F]P5VAE;E!R:6YT:6YG8F]O;``````.8W)O<%)E8W1";W1T;VUL;VYG````
M``````QC<F]P4F5C=$QE9G1L;VYG``````````UC<F]P4F5C=%)I9VAT;&]N
M9P`````````+8W)O<%)E8W14;W!L;VYG```````X0DE-`^T``````!`!+```
M``$``@$L`````0`".$))300F```````.`````````````#^````X0DE-!`T`
M``````0```!X.$))3009```````$````'CA"24T#\P``````"0``````````
M`0`X0DE-)Q````````H``0`````````".$))30/U``````!(`"]F9@`!`&QF
M9@`&```````!`"]F9@`!`*&9F@`&```````!`#(````!`%H````&```````!
M`#4````!`"T````&```````!.$))30/X``````!P``#_________________
M____________`^@`````_____________________________P/H`````/__
M__________________________\#Z`````#_________________________
M____`^@``#A"24T$"```````$`````$```)````"0``````X0DE-!!X`````
M``0`````.$))300:``````-W````!@``````````````/@```J@````A`$4`
M>`!H`&D`8@!I`'0`(``Y`#D`+@`Q`"``2`!O`'(`:0!Z`&\`;@`@`%``<@!O
M`'@`>0`@`$,`80!R`&0`+0`Q`````0`````````````````````````!````
M``````````*H````/@`````````````````````!````````````````````
M`````!`````!````````;G5L;`````(````&8F]U;F1S3V)J8P````$`````
M``!28W0Q````!`````!4;W`@;&]N9P``````````3&5F=&QO;F<`````````
M`$)T;VUL;VYG````/@````!29VAT;&]N9P```J@````&<VQI8V5S5FQ,<P``
M``%/8FIC`````0``````!7-L:6-E````$@````=S;&EC94E$;&]N9P``````
M```'9W)O=7!)1&QO;F<`````````!F]R:6=I;F5N=6T````,15-L:6-E3W)I
M9VEN````#6%U=&]'96YE<F%T960`````5'EP965N=6T````*15-L:6-E5'EP
M90````!);6<@````!F)O=6YD<T]B:F,````!````````4F-T,0````0`````
M5&]P(&QO;F<``````````$QE9G1L;VYG``````````!"=&]M;&]N9P```#X`
M````4F=H=&QO;F<```*H`````W5R;%1%6%0````!````````;G5L;%1%6%0`
M```!````````37-G951%6%0````!```````&86QT5&%G5$585`````$`````
M``YC96QL5&5X=$ES2%1-3&)O;VP!````"&-E;&Q497AT5$585`````$`````
M``EH;W)Z06QI9VYE;G5M````#T53;&EC94AO<GI!;&EG;@````=D969A=6QT
M````"79E<G1!;&EG;F5N=6T````/15-L:6-E5F5R=$%L:6=N````!V1E9F%U
M;'0````+8F=#;VQO<E1Y<&5E;G5M````$453;&EC94)'0V]L;W)4>7!E````
M`$YO;F4````)=&]P3W5T<V5T;&]N9P`````````*;&5F=$]U='-E=&QO;F<`
M````````#&)O='1O;4]U='-E=&QO;F<`````````"W)I9VAT3W5T<V5T;&]N
M9P``````.$))300H```````,`````C_P````````.$))3001```````!`0`X
M0DE-!!0```````0````".$))300,``````7H`````0```*`````/```!X```
M'"````7,`!@``?_8_^T`#$%D;V)E7T--``'_[@`.061O8F4`9(`````!_]L`
MA``,"`@("0@,"0D,$0L*"Q$5#PP,#Q48$Q,5$Q,8$0P,#`P,#!$,#`P,#`P,
M#`P,#`P,#`P,#`P,#`P,#`P,#`P,`0T+"PT.#1`.#A`4#@X.%!0.#@X.%!$,
M#`P,#!$1#`P,#`P,$0P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`S_P``1
M"``/`*`#`2(``A$!`Q$!_]T`!``*_\0!/P```04!`0$!`0$``````````P`!
M`@0%!@<("0H+`0`!!0$!`0$!`0`````````!``(#!`4&!P@)"@L0``$$`0,"
M!`(%!P8(!0,,,P$``A$#!"$2,05!46$3(G&!,@84D:&Q0B,D%5+!8C,T<H+1
M0P<EDE/PX?%C<S46HK*#)D235&1%PJ-T-A?25>)E\K.$P]-UX_-&)Y2DA;25
MQ-3D]*6UQ=7E]59F=H:6IK;&UN;V-T=79W>'EZ>WQ]?G]Q$``@(!`@0$`P0%
M!@<'!@4U`0`"$0,A,1($05%A<2(3!3*!D12AL4(CP5+1\#,D8N%R@I)#4Q5C
M<S3Q)086HK*#!R8UPM)$DU2C%V1%539T9>+RLX3#TW7C\T:4I(6TE<34Y/2E
MM<75Y?569G:&EJ:VQM;F]B<W1U=G=X>7I[?'_]H`#`,!``(1`Q$`/P#O>@?6
MOH_UA?D,Z:^Q[L39ZOJ5NKC>7AD>H!N_F7KEKW.WXFI_F?'SZLNC^K/3_J?A
MV93OJT_'<^S9]K^SW^O$&STO4;ZMWI>Y]R*_"^JY]/>ZCVMBK]-'M_6/H_I/
M=_.9G_@O^B3X2$;MN<GS,,''Q@GBJN'P$_\`OWG,HN^V4:G^CM[^?4DUY=^T
M!J?Z.SN?]%@K<RW?5:J]HN9NL8P!A:7N!8?6+=FQWN^GE?\`@G^C5@XOU7?8
M+'&@6FML!UL.V;:MDL]3_1-QT[W!X[4VA\1P@@\,_E,=H[G_``GFKR[[9;J?
MYD=_^`Z4GRB[]HYVI[]SX!=*_"^K!L<Y[J-Y:`Z;OS=F.T:>I]'T:\3_`,#_
M`-*FLP_JN;[76.H]9W\]-L'^TWU/:D,@\=E1^)80(^F>D.#:._H_K?U7F[2[
M[?F:G^>?W_[L]17:YS:'XY;>\UUN<QNX0?<YS65MVO:]CMUCFM][%GOP_JSZ
MUKGNH]5SB;9NUW%]SG;F^I[?T[\G_6M:UGI[?TD;9'THB9]O/\I-E*ZKHU>;
MYJ.4P,`8F'[W^#_WKFY)Z8Z]A?D.8^^TU,`[VQ7]%VQSJW;<;]__`,%]-/B8
M'3\AC,BBY]U1D`EVYKMI%;MVYON=^BV?OJU3^S_4=Z'H^IZC]VS;N]6!ZT[?
M\-M_G?ST3&^S>B/LNST==OI1MY]VW9[?I)MEKC-D`H2-;-+'Q,''M98VVTNK
M?Z,/DC>6Q[O9^=O^FK;<W$=LVV@^H]U3#XO9NWM_Z"9HP9;M]*?5=LC;_/0_
MU=O_``_\[ZGY_P#.)V_8I9M]*?4=Z<;?YV'>IL_X7;ZF](F][3.<9&Y&1/T1
M7LQ<IS-UKX?NJ8&2T;F.%CSO:W<VQKL?]]$Q*\=M;K:#O%I!<\\DL:VC^3_H
ME+]5]2O^;]67^EQNG_#[/_1J(ST]OLC;)F(B9]__`$DK09^GA!-=NG\OD<4^
MGZ59%589V&VB!J/^[>Q2<`'%I8P@[6ZMIG:[\P_K+=WYG_HM:/\`D_V_S/\`
M)^C_`-%+_)__``/`_=X_,3N)E^\#LY[8]6-C!LU;[:=(_P#0K<F;!:065^UK
M=-E/)$<-ROW6+2_R?)CT9G7Z/.J0_9\:>C&G[OR0XE?>!V_!SJ0P&IPKK!-C
M1(93V/YNW*=_T-]BN=0ZQTSIKZ*\[)KQW93BRD6.:V2!N<[WEOL;^_\`OOK_
M`-(BC[!(V^C,C;&WG\R/^^ILQF`]^.<PL#F6AV-O<!^EVO:/3DC?9Z;K?8@3
M;%ER<9![/__9.$))300A``````!5`````0$````/`$$`9`!O`&(`90`@`%``
M:`!O`'0`;P!S`&@`;P!P````$P!!`&0`;P!B`&4`(`!0`&@`;P!T`&\`<P!H
M`&\`<``@`$,`4P`V`````0`X0DE-!`8```````<`"`````$!`/_A#XAH='1P
M.B\O;G,N861O8F4N8V]M+WAA<"\Q+C`O`#P_>'!A8VME="!B96=I;CTB[[N_
M(B!I9#TB5S5-,$UP0V5H:4AZ<F53>DY48WIK8SED(C\^(#QX.GAM<&UE=&$@
M>&UL;G,Z>#TB861O8F4Z;G,Z;65T82\B('@Z>&UP=&L](D%D;V)E(%A-4"!#
M;W)E(#4N,RUC,#$Q(#8V+C$T-38V,2P@,C`Q,B\P,B\P-BTQ-#HU-CHR-R`@
M("`@("`@(CX@/')D9CI21$8@>&UL;G,Z<F1F/2)H='1P.B\O=W=W+G<S+F]R
M9R\Q.3DY+S`R+S(R+7)D9BUS>6YT87@M;G,C(CX@/')D9CI$97-C<FEP=&EO
M;B!R9&8Z86)O=70](B(@>&UL;G,Z>&UP/2)H='1P.B\O;G,N861O8F4N8V]M
M+WAA<"\Q+C`O(B!X;6QN<SIP9&8](FAT='`Z+R]N<RYA9&]B92YC;VTO<&1F
M+S$N,R\B('AM;&YS.F1C/2)H='1P.B\O<'5R;"YO<F<O9&,O96QE;65N=',O
M,2XQ+R(@>&UL;G,Z>&UP34T](FAT='`Z+R]N<RYA9&]B92YC;VTO>&%P+S$N
M,"]M;2\B('AM;&YS.G-T179T/2)H='1P.B\O;G,N861O8F4N8V]M+WAA<"\Q
M+C`O<U1Y<&4O4F5S;W5R8V5%=F5N=",B('AM;&YS.G-T4F5F/2)H='1P.B\O
M;G,N861O8F4N8V]M+WAA<"\Q+C`O<U1Y<&4O4F5S;W5R8V52968C(B!X;6QN
M<SIP:&]T;W-H;W`](FAT='`Z+R]N<RYA9&]B92YC;VTO<&AO=&]S:&]P+S$N
M,"\B('AM<#I#<F5A=&5$871E/2(R,#$U+3`T+3,P5#`Y.C$P.C4U+3`U.C`P
M(B!X;7`Z0W)E871O<E1O;VP](E!38W)I<'0U+F1L;"!697)S:6]N(#4N,BXR
M(B!X;7`Z36]D:69Y1&%T93TB,C`Q-2TP-2TP,E0P-3HR-CHR.2LP-3HS,"(@
M>&UP.DUE=&%D871A1&%T93TB,C`Q-2TP-2TP,E0P-3HR-CHR.2LP-3HS,"(@
M<&1F.E!R;V1U8V5R/2)!8W)O8F%T($1I<W1I;&QE<B`Q,"XQ+C$S("A7:6YD
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M:&]P.D-O;&]R36]D93TB,R(^(#QD8SIC<F5A=&]R/B`\<F1F.E-E<2\^(#PO
M9&,Z8W)E871O<CX@/&1C.G1I=&QE/B`\<F1F.D%L="\^(#PO9&,Z=&ET;&4^
M(#QX;7!-33I(:7-T;W)Y/B`\<F1F.E-E<3X@/')D9CIL:2!S=$5V=#IA8W1I
M;VX](F-O;G9E<G1E9"(@<W1%=G0Z<&%R86UE=&5R<STB9G)O;2!A<'!L:6-A
M=&EO;B]P9&8@=&\@87!P;&EC871I;VXO=FYD+F%D;V)E+G!H;W1O<VAO<"(O
M/B`\<F1F.FQI('-T179T.F%C=&EO;CTB9&5R:79E9"(@<W1%=G0Z<&%R86UE
M=&5R<STB8V]N=F5R=&5D(&9R;VT@87!P;&EC871I;VXO=FYD+F%D;V)E+G!H
M;W1O<VAO<"!T;R!I;6%G92]J<&5G(B\^(#QR9&8Z;&D@<W1%=G0Z86-T:6]N
M/2)S879E9"(@<W1%=G0Z:6YS=&%N8V5)1#TB>&UP+FEI9#I#1#8W-D-%1C5#
M1C!%-#$Q.#9!,3@X.3@Y,D5%-D1&-2(@<W1%=G0Z=VAE;CTB,C`Q-2TP-2TP
M,E0P-3HR-CHR.2LP-3HS,"(@<W1%=G0Z<V]F='=A<F5!9V5N=#TB061O8F4@
M4&AO=&]S:&]P($-3-B`H5VEN9&]W<RDB('-T179T.F-H86YG960](B\B+SX@
M/"]R9&8Z4V5Q/B`\+WAM<$U-.DAI<W1O<GD^(#QX;7!-33I$97)I=F5D1G)O
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M/"]X.GAM<&UE=&$^("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@/#]X<&%C:V5T
M(&5N9#TB=R(_/O_N``Y!9&]B90!D0`````'_VP"$``$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$"`@("`@("`@("`@,#`P,#
M`P,#`P,!`0$!`0$!`0$!`0("`0("`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`__``!$(`#X"J`,!$0`"$0$#$0'_
MW0`$`%7_Q`&B````!@(#`0`````````````'"`8%!`D#"@(!``L!```&`P$!
M`0````````````8%!`,'`@@!"0`*"Q```@$#!`$#`P(#`P,"!@EU`0(#!!$%
M$@8A!Q,B``@Q%$$R(Q4)44(6820S%U)Q@1ABD25#H;'P)C1R"AG!T34GX5,V
M@O&2HD14<T5&-T=C*%565QJRPM+B\F2#=).$9:.SP]/C*3AF\W4J.3I(24I8
M65IG:&EJ=G=X>7J%AH>(B8J4E9:7F)F:I*6FIZBIJK2UMK>XN;K$Q<;'R,G*
MU-76U]C9VN3EYN?HZ>KT]?;W^/GZ$0`"`0,"!`0#!00$!`8&!6T!`@,1!"$2
M!3$&`"(305$',F$4<0A"@2.1%5*A8A8S";$DP=%#<O`7X8(T)9)3&&-$\:*R
M)C495#9%9"<*<X.31G3"TN+R565U5C>$A:.SP]/C\RD:E*2TQ-3D])6EM<75
MY?4H1U=F.':&EJ:VQM;F]F=WAY>GM\?7Y_=(6&AXB)BHN,C8Z/@Y25EI>8F9
MJ;G)V>GY*CI*6FIZBIJJNLK:ZOK_V@`,`P$``A$#$0`_`-_CW[KW7O?NO=>]
M^Z]U[W[KW5,_=&<ST'\[KX>8"GS^?I]O5WQ4[/KJ_;M/G,K!MZOK:=NU5@K*
M[!15:8FLJX@%M))"S@QQF]XX](XL8HCR-NTQC'BB=@#3/QV7^S0\0"P%`S5S
M_P#;[;=LE_N[/?G=)=LMFW2+G2P1)VAC,Z(W[LJJ3%3(JG/:K`=SBE'?4C_Y
M.F?W#G/@#WED<[N/<>>R5/W7\A:6GRF=S^8S63IJ:CV_@5I(*;)92MJZVGAI
MC=D5)%"R,SCU,Q*GG.&*+F3;TCC54(K0`4S<S?R\@.`4!110`#[[^VU[5MOW
MG_;BTVW:;2VLVY?V1FCAABBC9GN)]1:.-%1BW`D@U4!?A``I<_E`]B]B;EC^
M?G]X>P]_9S^%?!#MJNQ?\5WKN>O_`(9D$%-XLGC?N<I)]AE*?3^U4Q:)XKG0
MZW-Y(YUVZRM'Y4\"V4:[^U!KFHK)@ZJX/F.#4%:T'70G[]_*?*>SO]V#]U<J
M[9;>/[E;6DGAVENGB(==8Y-,8UQM^*-JH^-2F@I#_EJ]D]CYOXI_S5Z_,]A[
M\RU=@?BG0UV"K<GO'<==5X6M-'V"QK,34562EFQU66IT_=A*/Z1S[:YNVVQ@
MW+DB.*W`6290W$U[5\R:^?$9\_(=/?>[Y0Y2V[WJ^Y/:[?RKML%M=<ZLDR1V
ML"+*FJR&F0+&`Z]Q[6J,\.K&/BONS=M=\UOY2-%7;NW;6T&=_EIG,YS'5>Y\
M[4XW-Y@8/LAOXMF<=-D'HLIDRQ!-1/')*3'&2UXX](0WFV@CV7FLI"H9+^55
M-,@:[+S^6:$Y%6H>YJXG^]6Q[%;?=Z^_)<6VQ6,=S;>[ABA=;>%9(8O&V[].
M)P@>./B-"$*`S@#O?497^3MN#<6<_E[=V9+.[CW'GLG3]P?(:FI\IG=P9C-9
M2GIZ+`89:2&GR63K:JN@BIB-2*D@"N6<>IF)*^<X8HN9K!(XU5#F@`IFYF\O
M3R`X!0%%%``B+[^NU[5MOWIO;RTVW:;2VLVV+9&:.&"**-F>XFU%HXT5"6X&
MJFJ@+\(`%+W\H7L7L3<E#_,#.X>P]_9LXKX']L5V*.5WKN>O.+R"1*8LGC34
MY20T&4IRO[53#HGBN=#K<WD?G/;[*TFY1\"V4:[^UU5S45DJ#JK@^8X-BM:#
MKH/]^SE/E/9[K[K8VKE7;+<3^Y>UI)X=I;IXB$FL<FF,:XV_%&U4;&I30=0O
MY;/9/8^:^)G\UFOS/8>_,M78#XM8FMP5;DMX[CKJO"UIINPF-9B:FJR4LV.J
MB:=+R0E'(4"]O;?-^VV-ON7)*0VX"R2@-QSVKYDU\^(SY\0.GOO<<H<I;=[W
M_<GM=OY5VV"VNN<I$F2.U@194K8]LBK&`Z]Q[6J,\.K$NAMW[OJOE=_)`I*G
M=^[*FCW+\*MW9+<E%4;FSDU%N'(Q]8;SJ(Z_/4<M>U-F*U)[.):A))`R(;W1
M;!+<;6W3;.?"L(K'<,%^0\:T'YFE:$U(JU/B:N*?N7L.PP>R?]XM/#L5DEQ9
M^X-O';NMO$'@0[C9J4A8)JB4K4:4*BA84[FJ;S^2]G]P9_X\?*>IS^X<_N"J
MHOF+WKCJ*JSV;RF:JJ+'TF`V3]K0T=3DZNJGIJ.G9V9(D945V9@-3$DDYWAB
MAW#95BC"AK:IIYDW,_\`Q0'```"@`'4$_P!X)M>U[7[I^RT.U[7:VL,G(6T2
M.L,4<2N[7%YJ=EC50S&@!8@F@`K0`"D/^33V+V+N3N+Y;TNXNP]^YZFQ_P`)
MN[JV@@S.]-S92*BKX,_LM*?(TD=;E)UILE3*["*H0+-$';2PU&\I<_[=8VME
MLCP6J*S;G"#BN*S8S7!\QP-!Z#KHU_>`<I<I[/R%[&S;3RKMEK++[B;.CF*U
M@C+H8;PM&Q6,:HV(&I#5&H-0-!2-_*G['[&W!U-_,UJ,[V'OW,U&%^#&_P"O
MPT^4WGN6OFP^03";G>/)8J6JR<KX[)0M$ICJ(2DT9'I8>T_->W6-ON'(RPVR
MA9+RU#5J:C4:UK7CY^N*UH.K_?7Y1Y3VKGC[GD6V<K;;;Q7/N/8I*([6!!*A
MFMP8Y`L8#H03J1JJWF#T=KI'>>\Y^SOY!\%1O+=U1!NKJGN&HW1#4;GSL\6Y
M)Z;%ULU/-GXY:]TS,D#GT&I$A0``6```0GM+8;;SLPB&J(0A?E5$!^T_,U-:
MGB2>L=/</E[E^/D[^\SEBV"Q62RWG:EMRMO"#`&=`PA(0&+4..C34U)R2>CZ
M?R<=P[@S]/\`//\`C^?SN>_A7SD[8Q6+.;S&2RYQN,IEH?M\?0'(U-2:.BAU
M'3%'I0?T]D7.]O#!_5_P8PNNR5C\R2?]0`P/(=8T??YVK:MKE^[/^Z]LMK;Q
M_;G;99/!B2+Q)&+ZG?0JZF/FS5/5*7\GWL/L//\`SD[RP^?[`WWG<51=$_(:
MHI,?F]Y;ERU'3U-'N#`14E5%!D,G4QK54T<C".6WD2Y((//N2^>MOLK?ES;+
MB&V596NT!(]"[8IP`^0``&!C'70[[^7*G*NU_=Q]N-PVSE?;;:]DYEV16>*U
M@C9E>&<LI*1J=+$"J_":4(ITQ_R>>Q>Q=S5OSO&XNP]_9P8SX(]N5V,&6WIN
M;(#&Y!)\9X<ECQ59244.4I[?M5,6B>*YT.NHW=YXVZRM#RM]/;*NO<+8'%:B
MLN,UP?,<#05K0=&7W\^4^4]GM_NT?NGE7;+;QO<K:TD\.TMT\1"):QOIC&N-
MOQ1M5'H-2F@H;3IO>F]9]O\`_"?$S[UWE.=U;O\`D,-TM/NO<$S;G6EWK@S2
M1[B:3(LV<AI%8I$E494BB)C4!"5]A"2TMA:\ZGP16.&TT_*ME-7[23DDU)8!
MOBSU!7/O+W+T>X_WHGA\OV"BQL-B^FI;0CZ?593ZC!1/TBQ`9C'I+,`[$L*]
M6+_RH=P;@SG<G\T&'.;@SV;@PWS<WUB\-3YG,Y/*T^'QL&:W6(<?B8*^JJ(<
M911J`JQ0+&@55%K*H`?YR@AAM.63%&%+V<;&GF3;V]?YU-.%232I-<4_OM[7
MM>V\A?<XDV[:[:WDN/;NRDE,44<;2R&"UJ\A15,CDU)9R34DUJ36G/\`E1]@
M]@9W^:[O_`9S?V^,U@J6/Y+_`&^%R^[]QY/$Q_99:NBH[8ZNR4]&?M$_S=T/
MC(!6Q`/N0.=-OLX.2[&XBMU69J5/VRIY<!Z"@%!@8-.L^?OM\J\K;9]R7E?=
M-MY9VZWW.0[#JEBMH(Y#KC0MWI&&[C\5#D5!P2.D-_)H[%[%W%\A_DY0;A["
MW[GZ*@^'G>U;14N;WGN7+0TE=3;@V5'39"F2ORE0(,A3)(PCG6TR:FTL+GV9
M>X&W6-MMFT2P6J*[;E"#CR)FJ*'%,#`%,4X="?[_`/RERGM/M7[/76U<J[9:
MW$O/VS([16L$99&AO"R-HC%48@:D/::"H-!T8/I3>^^*SHO^0M5U6^-ZSU6Y
M?E?VS1;EJ)=W;B:;<E#3]VP14]%N&0Y+7G**"GC$2151EC2$M&`(V92%;NTM
MDN^;T6%=*6,!7SH3M\Q)J:DU/=FO<`WQ*"(G]PN7.7+?W'_O+((>7-O6&SY(
MVQ[=1;04@=MF<L\(\/\`2=F.HM'I8N`Y.I5(M)_EGYS/97Y=_P`V>BRV?S^7
MH<+\H,+182AR^<RN4H<)1M4=DNU)AJ/(5=138FE8A08Z=8TT1HMM,:!0IS3%
M%'LW*S)&`S15)`X_XO:?[)IPU%F^)F)PQ^][MNV67L7]R&XL=LMH+FXY.E>9
MXH8XWE<)MPU2LBJTC<3J<L:LS5U.Q-.G\N_L#?\`F/YV&[=MY??N^,IMRF[2
M^7$4&WLCN_<5;@DAH*?L1*&`XBIR4N.>"B"*84:,I$R*R@,JD2-S7M]E![?6
MUS%;J)VMX:G[7@)I7`/V4P2.!(ZSZ^]5RMROM_\`=X;%O%CRSMT.[/LG+),Z
M6T"3$NU@7/BJ@<,]3J(8%@6!)#$%.?R@.PNPL_\`S`NW\+GNP-]YW$4?4WR'
MEI<9FMY;DRU#!-1YW%14DZ4N0R=1")Z9'(C>VM";@@\^[\][?96_+.W7$-LJ
MRM<BI'SD/EP'H*`4&!C'1M]_#E3E7:_NN<B;CMG*^VVU_)OFR!I(K6"-R&BD
M+*62-3I8C*\#P(ITKNI-_P"_JCX@?RA,E/OS>T^1W!_,5R.'S]=+N[<,E7G,
M2>SZ6G_A>8J'R+2Y/'"!=`@G+Q!"0%`8W+KJQM%W[FN$0#PX[!V49P1;W!K7
MB<YH:C`Q@4(.>.5^6(O?C[]5G%RUMRVEK[5)+"@MH0L,O[ND;Q(@$I&^K.I:
M,2`2<"EN_P#+[W!N#)_S$?YLN(RFX,[E,3@NQ>GH\'BLEF<ED,;A8ZK'[\>I
MBP]!654U+C(IVC34L"1J0BBUE%@7S'!#'RORI,D8$CF34?6D5M3[.)..)))R
M2>L%/O1;7M=G]U7[D5_9[7;0WUSM>Z&:2.*-))2K6(4RNJAI"*FA<DU)/$GJ
MZ'V`^N??7O?NO=!QW'OU^JNHNU.T(\8^;DZWZXWQOU,-&[1/EWV?MC*;A7&)
M(B.T;UYQWB#!207O8^UNVVGU^XV%B9-(FF2/5Z:V"U_*M>A;R#RPO.W/?)7)
MC7@MUW?=K.R,I%1$+JXC@\0@D`A/$U4J*TX]5K]0_%/>/='QTZO^2%5\J.^-
ML_*[M'KO8_=%+V]2=B;HK^MMFYC>>%Q.^8MD4/Q].X:+IG+=/8B*O&-DQ4^-
M66MHU>9ZE:F0RJ*K_=DVW<[W9#M-M)M4$[Q%/#4.^ABFKQM/C!B14'54"@J2
M-767//?O7L/M[[K<Y>TD/LORS>>R>S;M>;2VV-8VZ7]U%:32V9NWWOP'W6+=
M)2GCK<).5AE*QK$T2Z#;/2^;[6F-1+#45'V\/GGID,5//-XU\DL$;2SM'#(]
MRJEW(4@:C]?8):FIM(H*^?6#T_A^--X2,D6HT#&K`5P&-!4@8)H*GR'#JMGX
MVU_?]'\XOD=M3O;M2CWW6?Z`NB]ZX7:6T,9DMN=7=90[BW[W5BFV[LS#Y#*9
M&NS5544&VZ6?(YW(Z,CD*IS'HAI(*:",7;M'MAY<VN?;;5HU^JF0LY4N^E(C
MJ8@"AJQ&D$J``1DL3ES[N6OM?/\`=Q]IM[]M>2Y-MM_ZT;Q:2W-U)'/N.X&"
MRVF3Q[N6..-(E5[B1(+."L$$8#ZI)Y9I'!7+[,[&ZQ^0WQTV7LOY)=K]W_,#
M<O;5+O\`^2D3;IW+3=-8CXJ5>3S<F]3N7I2;.;EZXZHP5%B:JDQ.R$ITILQ7
MYY%GBGF45Q5:EW87>W[H]QM4=OLBP,MOVH9OJ*?I_K!4DD&JI?C11D$*QZD&
MQYAY2YQ]K/=;F#F'VDV3EWV'M-C:RV`BVMVW63F18XA:>!NPAM[_`'*5Y5EN
M=W+F2UALR8WC0_3@Y>^\/V%T!W_TMO)^W?D?E]S=E_)[;.0WSW/N7+5F(^('
M7G06ZMUY+`4GQNSVPJ"NS>T\5D\GB6HL/M_(G#Q9&JW774^3K<W2"9H#O;IK
M/<=KOK<V-HL,5HP2,`&Y>=0I\<.=#D$DDJ'("@J(GIFOME?\J^Y_M?[A;`O(
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M[UW!1;`^;.X?CQU;TGL.I@_V5[Y"T/0]#ELS69;?^YNS]U8^A3=6VLUVYN[%
M;8APU%08>DDOJ@F0,)JBG#M;`^U1;1%;M<6"[O-,X_QB#QCI(1(T!HPB[@S%
MV`IK6A(U:?>P-Q[6[1[4<O[5<<S^W=K[J[US#>J?ZQ;&^\O'$L=E;[?;.YMK
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ME[#R^^5V!M7KKLC:W6<_VG^DY>Q6IMJY*O\`MJMJ:KAJ:FTB:RR6R6[M>8Y]
MG3:K&,NP+>-%%.L:B,.TBF4*`&0&15[!W!*+P`>Y9L.9]G^\QS5[,67M9R'M
M`W'<_'N3?[;9[[9[58Q6?UMS?V%QN"AOW>;$2;C;P^)$)(WAA[&TT@=O[3[<
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M9^<BJ(ZVJ:G:K5:]CMG[]&BWB:\;;5DB`"^!<7A*T,::2AC8%@$98QJ4DZ<$
MC>?D3V^/O]`+3E+8+OFZY]LTO]IC588^7.8>:RJ()]MMV"VTEE(OU`ALIH[2
M*XW2S>)[>$2B$XJ?Y*[GPG7WSDZ^^-G=>^-Q=8;8W#\)MM_'KMK?-7N/>^=V
M;3_*[L@=2]DUFS-_;[JZK<&]]G[1DHIZK;F2KI*N*CRQG@BFJ*:GC57FV6"2
MYY;NMXV]4O)4O&GCCT(&-O&)(@8T72CFJF1:=RD5`)(Z<E]H=GW'FG[N'-/N
M[[>;=:<XWMKS=<;YMEFMO9PW3<MV'[SL$NK*S18+.ZN0Z1WUO$L;2VWAR/'%
M+*Y)WNDZ7,]"?.'<GQ=P>^NR=[]2[P^*V+[^Q-#VOV#N;M#<.R]_[;[3?KG=
M1P6ZMX5V4W'%@-^X[.T5=44,]5-3PY.BGFI5A6HEC]AW<1'N?+$6_26\,=]'
M?FW/A1K&KHT7B*650!J0J5!`!TD`U(KUCI[B2V'N;]W':/>?<N6]HV[GBPYU
MDV25]ML;?;H+NRGVT7]MXUM:I'`9[*2&:%)DC1WMY8XYC(8D;JR7V#NL1NO>
M_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NB0;;W1N:;^8SVULV;<6<EV?C_AWT
MCN2@VI)E*U]N4>X<IW!W=C<EGJ3"M,<?3YBOQ^+IH)ZE(UEEAIXT=BL:`"2:
M"$<HV-R(E\<[A*I:@U:1%$0*TJ14DT)H#PI4UR,W;9MGC^Z=R/S!'M5LN_2\
M_;O`]R(T$[P1[7M$D<+2@:VB1Y)'2,L55G=E`+,24?Y*=T]U=*?/'>/:^V-T
M;CW%T;T?\6NFMT]]]$PRYO)4>6ZNWMVOW#A]\=R;'PM-]SBZ7L+INFV[1Y>I
MU0I-EMOT]92">-ECU'.V6&WWW*]O;S0Z=PGO)EBD`3^T6.$HCD]Y5JNH"D]S
M"B.VFDY^T?M[[>>X?W9]@Y*WC9K6U]Q^8^=-UMMEW@B%'CW&TVW:I;/:KR5M
M,K6.Z-/+:QT=EMKV2"8Q."U#6?%'?64WMWO\Z)?[YUF\-ET7;G3E9UNZ;B?<
M.V*'9^Z_C!T]O"CGV9)'5U>,IL!N"7-MD1]F1!/+4M-R[LQ*=\M4MMKY:!MQ
M'<&&82=NEM27$B$-@$E=.GNJ12G``"%/>[ENSY=]M/NVI_5^.PYADV+=4OP8
M!!</=6W,.Z6KB[!59&F@$(@/BU=%C$>%4`%H^5/QXPE-\J/BCC\?VY\HL'BO
MDGW3V[0]G8/;7R>[HV]@9\?B>D>P.P<7CMMX;&[LBH-H8^@W5@:26.'&)2QK
M3QM``(W])OLF\3#9-Z8V-BSVD,1C+6T+-F1(SJ+(2U5)J37N[N-:R_[*^ZNX
MR^ROO;=77(O)ES>\H\O;8^WS7'+VTSS!Y=VLK&1YY9+8O=.]M-*K/<&0F1A*
M264UM4V%LO&]=[.V]LC#Y'<N7QFVL?'C:+);QW-FMY;GK(8W=UFS6Z-Q5F0S
M>:K27(,U3-)(0`";`>P1<W#W4\EPZHKL:D*H5?R44`_+K"GF;F"[YKW_`'3F
M*_M+."\NY3(\=K;Q6MNI(`I%;P(D,28^"-%6M33/2N]L=$71`_DYTWWGOWMO
M%9SK2IS=+LW.=,YOJ'>LV-["J-KOCH]R[VPV[/[VX/%1Y*FC.ZMMP[06CBJU
MC6=J3.3HD@",/8MV/<MJM-ODBO54W*W*S)6/572C)H8T/:VNI'"J`TSUE![.
M^X'MORSR+>[;S?#;OS!;<P0[I:"2Q6Y$AM[26V^FFD,;'Z:X-T96B+%!+9Q,
MR=P/0<]:]!?([9FS>V<5)"6W5VEUK@,/0SONZHQV`PNY=R;]W52;]K-VUM'O
M#/9S)[PVWM?<4=;2[AQ(H7JL9#'214Z5M*GD57FZ;-/<V4BD>!#<,Q[*L56-
M#&%!4*$9EHT;UHQ+$Z6-!7S?[G^TO,','(]ZD@&R;+N\\K@6JO/+;V]E;-9)
M;(]K##':W%S`T,EC<^,([AWG>5K>9M#IOSK#OK_1-\?<-6;,W%OK?W3F4SN,
M%%@MYTS;6W3/M6KHL;UWG-R97,;VVWN[%R[DVUBTF@W6E?6Y?;U=+,*S&UZ5
ME0$I:WNUF_W65;F.&UN`IJR'4NH$R*H",ITL2#%I"R*!I=-(Z1\L\Y>V7]>/
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M_8LV![$W/BC54=)314J8E(,?+*9(JJ8!D0W6[[9>BZM%$:JT9*R,E`'.@%45
M4K&IHS$G54@4IYA;F?W3]ON=8=[Y0BELK6U;:Y#;WUS;A8([N0VY>VM(;>Q$
MUC;R:999&D-R7G5`CPQDJTKJWKGM_K7X[]\4U5MW<V$[.R<U3E*O)RTE!/F<
MSCY]QYNORKXC<V,[#WQ5[ORE#M>NG%/5-2XBH$DD21TY<`1ZO+O;;O>=L994
M:Q!I3(4'0H%5,:!`7`J*L,&IIQ8YSYLY#YO]UO;26#=;.XY.A58UC#.L43B"
M%(Q+;R6-FMK&]RB:XQ)=(55V:4+EH.%^+W;>UI=U/U!75'6V&SV<^0E<&CSD
MF](MT[0W!3[%3J7!0P;HW<TNT)*VFI,D*:KI=$N%]0,2"H8F\N][=,(/KU$T
MJK;U[=&EUU^,W:O=^&H.']33I5N'O-R+O*;*O/ELF[W]M;[&F81:&VNH&O/W
MG,6M[6ET$9H#)%)5;O!#MX0`473G6G>FQ^Z*3<^X=D;BRL$&T=\T^6RF6W[3
MYBE7'/D<MD=F8#:N?3=44^0?)U7@CJ-OYG$2T.(FU9&ERJ-*](S&XWFU75@\
M,-RBDO'0".AK2CLPTXTBI#HP9P0C(::@4\_\W^VW,?M]/L^U<QVD$C7UFT4<
M5DT3:Q'''=S7,)MB$$:ZV2]M+E9KI=-I-9,$6<`^GQP^7V4KL;+O4PULFT*B
M3LO%9?;N^ZVIS.3W!VOVYM??W9^RMJY3-[OQXV%N_KV#"5D6%KY:/([>DQ=8
MF/@BACUA#([QR\BGZ;&L^&0T>`L4+QQ.P"G6LFI2ZU636"Q)QT/6]VO8>RM[
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M\(AJ)5RU)M-#I*NI+*"&TE20ZO52`".5.=?;ZW]L=SY=O]XM;6_;9WBF"VC&
MZEG5]P,"QN;>6WNX7>:W\2&9[66W)2^M[LO`T*AEV_T;W9N#>G;TN!V;O"NV
M[NKL?9>X\]79+-XG.5&;VM@<_C*C'XC:U!3]E[0I-^[1%#22R/M_-1;?JMN,
MKQTU=DX:A8BLL=SVR*VLA-/'XJ6[*H"D`.P:I8E&*/4C]1-8DJ"50BH&'(?N
M1[=;7R]R+'N>_P!A'NMEM%W!"D<,L*PW,T,BO+<NVWW365UK90+VT:]CO@5:
M:VLY(BX&[;OQUR]!D?D%NG`[9J-LY_L?X_;/V9L;)5&Z<MC9J;=55LO<5!NB
M!]O4VZ=QXW8E73YF'#":6A,@!IU:*><QL[()MXB9=IAEF#Q0WCO(`H-4#J4[
MBJEQIUT!IQR!6G4=;K[KV%S:>UNR[GNZ7FV;3S3=7=Y&MM%(&MENX'MB)VMH
M)+Q6B-WH68+AR'BC#A0B=K]#]P]F]XX#MW=T6X^JMK8'";"DQ6(S^=?.;^H,
MYLJIP5-N'%XI=M[^GV?MG'[[&'J(,E4RTF:.4PM25`I)YR8GY]TVVSVV2QM]
M$]PS2@D+I0K)723J0,Q2H*BJ:7`X@9$6\^YG(/)WMQN?(FQ/:;WO5S<7HDEA
MA$-D\-VLS022?460NKA[/Q4>"-9;06]W&#^O%&`^3L;XZ9.CW_VGNVGZHW+O
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M/#2&-,A-R_SM['6,7/\`:W^W/]'O._FZ@C%G$\=O9V$ZW-I`^M3+`E[KN('A
MLY0`OA1W#>$`RH3%]*]@PYG!U&"Z([$VSAJ;;^.Q77-!D^]9*@=7]QQ943[V
M[<W-#!NW*VP&7I3>)J5\S+FEQKI/14W\7D$C[[E9&-Q+N43R&5FD(@_M(B"$
MC7M&1\]&C6"&/AX$EY[A\K26&Y1;E[E[5>;@]W))?O'LP7]X[48BMIMEN3;1
M?K1-\0D%HMH;A6CN)?H5T):7H3Y)PY+8>XNL]K;NV?+L^3*Q=B;?W)VN(X.T
M>RMT]?YSKOL+M:E>GW3EZ27%U:;I7*8YJC[>6JR>&@J'HJ5U5Y%:[MLICNX;
MV>.024\-EB_LHUD$D<1[0:]NEJ5`5RNIA@':>YWM%)9\S[3SAO5A?I?B,V,]
MOMM3MVWVU]#?6.VL&MHF$BFV-O.$UK';W4D2W$REE5DQ/Q;^6V$Q^5VY2Y3=
ME3A,/NS-;WVO6UG=%8V:SL>2V#A.J=P;+RE;)F:N6@I]Q[2VM4Y+'SDF+'YW
M<;SGPR1&>-Z3?>7I7CF:.,2M&J,!"-*TD:57`H*Z78*PXLD8&0:$QOO>?V+W
M&[LMVGLK%-QN+&*SN$7:4\&$QWLVY07<:")0[07-Q'!.GQ3V=@L0\1'$;+?$
M](]N8K<PW)M3J??&"EH<GC,WT+%E.SJ=X^G-JXG<V0S.Y]F;PIEW_44D\'8^
M,\M-_"8X<S#30YA*<U5,E(Y@0'<ML>"*">\C;]-EGI%_:L55593HK6,T.NJD
MF,M0EAJ#=[[B\B7NSC:-[YWVVY22&2'>3'M[`[I<RV\<5O=VK?1*RM82:9/J
M2]J\CVK2B&5IU$C5!\4>\Y\#FCO7`IN/?FV.M>_\;L/=^&[1W9/JS/9M#@=W
M[*Q=%_&=X8ZLKZW9&^=P;LQ]#+E56"FH)J>.*2&G*>)\[]M0FA-O+HMGG@+J
M8E^&,LCDT0@"2-868+DL&)!/%;)[W>VT>Y[=_5[<C:<M7F[[))>VLNW6P_2V
M]YK6[D?PK61$2\LX-LGF6V)>29)6=))=6NP3X\;9EVAU5@L#/M^LVS44=5F6
MGQE=M^@VO,'J<K5U(J!@\;O7L&DHHYTE!&G*3E_UE8RVA0?NLPN+UY5D#*0,
MABW``<2B$_[R*<,]8M^ZN\)OO.NY;G%ND=Y%(D0$B3O<"BQJNGQI+2Q9R"#6
MMLE/A!8#41N]EW4==>]^Z]U[W[KW7O?NO=?_T-_CW[KW7O?NO=>]^Z]U[W[K
MW5*?=O\`V_0^&7_BI?:O_0_:OL>6'_*A;Q_ST'_C]EUT+]N__D;WW@/_`!=]
MN_[QG2._DP_]N]>^/_$Y?(__`-T."]J>=_\`E9]N_P!*/^TF;H__`+P/_P`2
MF]M?_%=V+_M(GZI!_DS?YO\`F%?^*#=M_P"]0>Y0Y]^/D_\`Z6%K_ADZZ.?W
M@/Q_=7_\^;M?_/W3?_+"_P"R2/YMG_BI-#_[@]C^Z<Y_\E7D+_FNO_'4Z4??
M(_Z?C]QG_P`7AO\`C]CU9;\3/^RWOY/O_C,`_P#NB[&]@C?/^2)SA_TL9?\`
MC]EUB#[X_P#B.OW\?_/Q?]9]NZ,]_)C_`.W=7>/_`(F;Y'_^Z+#^RGG;_E:=
MO^P?]I,W4.?W@7_B5WMQ_P!*#8O^TB;JD3^35_P!_F(_^*#=L_\`6D>Y0Y\_
MMN3?^>^U_P`,G71G[_W^Y7W4O_/F[7_A/3=_+&_[)!_FW_\`BJ&(_P#<3LCW
M3G7_`)*O(?\`S6'_`!U.E'WQ/^G[?<8_\763_CUAU9-\?_\`LK7^1-_XH[O'
M_P!]5O+V#-S_`.29[A?\]3?]7[3K$;W0_P"G'?WD_P#Y\:V_[N5GT<;^21_V
M3E\L?_%TN_?_`'0[(]D//G_)1V/_`)Y/^UF?J`O[Q+_IZ_L?_P">^V;_`+2+
MWJBG^2=_S.GYA_\`BCO>?_O0[)]RU[C?[@;#_P!+2#_#-UTK_O$?^G>^PO\`
MY\?9_P#JQ>=1/Y1__,H/YH__`(H=V#_[HMU^T_.7_)1Y`_Y[+7_CQZ<^_-_R
MOGW+_P#SY5A_U>MNCT=&?\S3_P"$^/\`XB/N?_W35GL&7'_)+Y^_YL_\<3K&
MOW&_Y4K^]&_Z7>T_]7$ZL!_DM?\``?\`F!?^+Y]O_P#0N/\`8?Y\_P"=;_YX
M%_PGK&#^\'_M?NN_^>TVS_"_5'/\F?\`[+U[\_\`$"?(_P#]Z3;WN4?<#_E5
MMI_Y[$_X^_71[^\`_P#$9?;'_P`6?8O^K,_3%_)>_P"!WS]_\4'[>_ZWXWV]
M[@<>4_\`I86W^&7HR_O!?]Q_NO\`_GS=J_P2]'!Z6_X]_P#X3I_^'?\`(W_W
ML\#[!<G^XO/?_-&S_P"T.;J`O<#_`)*/]ZO_`,\&P?\`:%/U9+_*-_YG1_-3
M_P#%ZM__`/N[W7[#G._^X?*O_/#%_P!H]OUB5]^C_IW_`-RW_P`]O8_]6+7J
MEO\`E'?]O<^Q_P#EG\H/_=U7>Y'YY_Y43;?R_P"KB=="?OT?^(+<H_;R_P#]
M6TZ0?\E#_LI+Y3_^*9]^?^])L?V9^X__`"2-E_Z6</\`AGZ%']X?_P!.C]EO
M_/@[+_U8O>C'=&?\R#_X3]_^+<=O_P#O\$]A"^_W.YU_YX(/^[=-U$'N1_T\
MW^\]_P#%%VO_`+LK=6M_RP/^RQ/YO7_BU.#_`.MO9/L(<V?\D7E/_FC_`-J]
MIUA-]\?_`*<+]Q;_`,4N7_CFW=4M_P`M[_M^5O7_`,2M\PO^M78WN3N</^G;
MV?\`SSP?\?@ZZ%_>V_\`D;_+O_2CY7_X]M_2:_DU_P#;Q7NC_P`1%\D/_>AQ
M'N_N!_RJ>U?\]*_\?/1O]_[_`,10]O?^E[L7_5F7I8]/?]D9?R;?_&DV1_\`
M?J4_LMN_^5BYQ_Z5K_\`:/<=!WGS_P`2"^_S_P">D3_NVOU<;_+N_P"WD/\`
M-Y_\21TM_P"ZS?\`[`O,W_*I\G_;+_U:MNL!_O5?^(E?<5_Z56Z_\?L>KM_<
M?=<[.O>_=>ZCUE'29"DJJ"OI:>MH:ZGGHZVBJX8ZFDJZ2IB:&II:JGF5X9Z>
MHA<HZ,"K*2""#[VK,C*Z,0X-01@@C@1T[!//:SPW5K,\=S&X9'4E65E-596%
M"K*0"""""*CJLU_Y=^\5V7+\>J3Y?]MTOPUGCGPDG07]V-FS[PBZUJ9I)Y^E
MJ/Y`R0#L&#JTPRG&+3M')ETP'^XT9'P<^Q:>9K1G^O;8(?WY@^,'<+J`IK\$
M=FOSJ"`&[@`U",P%^]5L#<P)[IS^P^Q/[_*1,-Z^HNUM3?J`HW5MD#?0G<:C
MQRX9;8WO^-_2^)U99C,;08;&X_#XJD@H,7BJ&DQN-H:9!'345!0P1TM'24\8
MXC@IJ>)411]%4#V$W=Y'>21B78DDGB2<D_GUB'>7EUN%W=7][.TM[/(TDCL:
ML[NQ9V8^99B23YD]`WA^C\?A?D'V'\@Z?<.1DS/8/5O7G5]3MV6DH_X5BZ/K
MS/;YSU#EZ:I6U9/5U\^^94EC<^-5@6W+&R]]Q>3;+;;"@\**9Y`?4N%!'#T4
M>?V`9J/K_P!QKO</:WE7VMEVN(;?M>]7VXK.&;Q)'OH;.%XF7X55!9J589)<
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M+2,\M4)79]3,;WVOF_?=KCGA3<)W@:V:)5,CZ8]2A59!6@,8`T>E!2E!T6^V
MGWK_`'I]M;3=-ML^>MYN]HDY?N=KM;>3<;Q8;#QK<6]O=6B++ICFL553:A0%
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MEK*Q*I*N&J>,7AYC\2.]M]WL$NK6:Y-QIU&(K*PHQ5D&%9>TI2E`-.DBO2G9
M_O%G<[7G79_>/D6VYNY>WKF*3?VB-S-MLUON\P9+B>"XM!5;>ZA80W-H4,;+
M%;M"T$D*N7>'X-]>XSJ/XQ]+X'=6\:':7QJ[KV7WI!4Y"JILUGNS-W;2R>[-
MV54^^LC4Q11S3[H['W4^XJZ6GBB`R$*B&.*/2J5/,UX^X;SN,L,9GO+9X2`*
M*B.JH-(I^%%"CSIQ)S5#)]Y#FJ\YZ]XO<+<]DL)=\YOY=N]G*HK0P[?:W,=M
M;*+.-22!;V%L+&%79B86/B,[5++[Y#?'%^Z,OU7V#M#L#*=1]U]'YO<67ZN[
M+QN`PV\*7&T>]\'_`'8W[M;<VS-PA<5N?:N[\`(TGB$M'64U52TU3354,D/K
M2;5O!VZ.^LY[<3[;<JHEC+,FHH=2,&7(9&J1Q4U(*GH,>U?NR/;ZQYUY6W[E
M>'??;OF.W@BW';Y)Y;5I&LYOJ+*YM[N#]2WN;6;448K+$\<DT,T,B2=H98OX
M99W$=;;SQV/^1O:>-[[W_P!M8;O3=7R%PT&)PV2R_8>W,9A-O8+$5_7U!XMK
M9'IZBVEMRDPTFTJIIZ2HQJ,LD[5#"H52V_1M=0LVUPG;8X3$L)[@$8EB0Y!(
MEJ:^*H#`Y&:U%]Y]X#;;[FWE^[NO:;99O;+:]CEV>VV.4R2QQ6,\DT\TJ7SU
MN8]T>YGENAN<825)R"D8C'A&&GP-VONCJ_O[:7<W9&[^S.R?DO/M.L[,[DQU
M%B>O<WC*CK%J*;IBGZTVYM^.?";)Q'461QL.1Q5.YKY)\M)4U5=-5-52+[>_
MK1<07FUS[=:I#:6>OPXB3(/U128NS98R@T8C2`*!0M*]*6^\QO6S<Y>V&^>W
M_*5AL_*/)ZW*[?M4CRWT,B[CK&[-?SSD37<NZ1R-!<N/!5+988;>.$0J>A"Z
M,^-.?Z\[$W;W;V_V]D>^>[=T[.V[UC3;VJ]D;7ZZQ.UNL-L9+(Y^DVGMS:>U
MON((9LUNG,U.3R];4551)65/@2)*:"GCA"/<MXCNK2';K&R%MMJ2&0H'>35(
MPTZV+>B@*H`%!Q+'("ON1[O;9S5RIL?MWR)R)%RS[=66X3[@UHMY<7\EQN%Q
M''`US/<W.DD16T4=O;1)&BQ1^(SM-+*\G1LO9'U!_7O?NO=>]^Z]U[W[KW7O
M?NO=>]^Z]T&7<W5F$[NZJW[U+N+*;BP6'W]MO([=JLYM'+SX+=&#>LCO29K`
M9:GNU)E<36I'40EUDA9XPLL<D3.C*["\DV^\M[R)0SQM6AX$<"#2A%145!!'
M%2"`>AA[?\Z;C[=<Z\L\\;59VMS?[9=I.L-S&)K>8*>Z*:,_%'*A9'H5<!BR
M,CA6`(_'CXR;IZHWMOKMSMWO'</R&[EWUMC9_7\V^,QLO:'76.PG7>PZO<&5
MP&VL-M'9<"8V*JJL[NO(5^2K9)9&JZB5!''3Q1B,F.Z[O#>P06=CMRVM@CL^
M@.SU=@`6+-G@*`4J!@DT%)%]U?>'9>=N7>6^1>1/;BUY5Y`VV\NKT6<5W=7[
MS7UXL$<UQ+=7;&0JL-M##!$JJ(T5M;RNVH"+0]$X>C^1.\_D,^;KJO([UZ:V
M7TU7;2J*.B?"0XK9F[-Z[K@RRU!5JN>KR$N]9H)8G_9$<2FQ+&R4[G*=K@VL
M+1([AI0U<ZF55_Y]!K7R%*9J%+GW*OY_:GE_VK7;HTM-OY@N]U2Y5W$QENK:
MTMC'I^$*@M$=6'=J8\`,AU\3_AQU]\/E[CQO6>6S=1M;M;LN;L/';9R_VTE)
MU[1MA,9A*+8VV:J-152;2P--CA'CHIRSTE)H@#,(];/[OO=YO7T9O#5H8]`/
MRXD_[9M3'YL0**%515[W>_G-/OP>0;OF^RMUWG9-H%B]Q%J#7K>+),]W<*>T
M7,S.6G9*"24M)1=6E1&[.Z+QG9O:'QZ[/K=P9+%5OQ[WEO'>6(Q%'2T<U%N2
MJWCUSN3KFHH\I/.#4TD-#1;DDJ(VA-VD0*PL;A/:;C):6>Y6:("ERJ*3Z!&#
MC]I`]#@9I4$*<G>Y%YR?R;[I\FV^UPS6_--A:VLLK,P>!;6^@OE:,#M8N\"H
MP;@IJ,X(Z^R[J-NO>_=>Z+7WIVAV)UKN78<NU<)C]T;;R6"[/J\WM7'X+<&<
M[#W)N+;VUDRFSL5M%,5+]C!0R5@F?(AX:BKDC2/[=0%EN=;78V=[!=_42LDR
MM$%8E1&JLU'+UR32FG(%>/EU+OMMR;RIS?M',R;UN,MEN\-SMRPW+S00V-O!
M/<F.ZDNC(-;.$T""CI$K%O%.4H6?K#Y3]Q;GP[9O(46%S.?B^.>1WS4==4>S
M<]@LDFZ=N=?[<W11;^6AK*N?=M-LWM+>&=K\/BL;/3)4)%B%,<LE3]RH.KW8
M=MAE\-'983>*@<NI&EI'4I4`+KB15=F!I5C4!:=3#SE[*\@[-?C;K6XN+?:V
MYLCLUOGNH9H_II[ZXMWLM:*+9KK;K6&&ZN;A)"A:Y.I$B\$E/Y/Y9]F;0I)9
ML1O+9_?&R<#U]3[]WKV_MW;=+M3&[3Q[;XV6FXJJ;'G+5>.W?'MK:6;KE%%A
MFDKJ9XDBK1]V#K>BY?LKD@26\EM=/.8TB9M18Z)-(K0%-3JO<_:<E>W@:6?L
M=R?OTZ1W^P7_`"SS%<[JUE:;7/<-<R7+BSNS`H?PEDM3<74,),UV%AD#,]N?
M`(TI_+?,#OBL%(:2A?9F1V=F]U;D[$I-R;#H\3A\+U9NGM38D?3&[=]C/[B7
M.T&QJ+J[=%=!G:[`?>9),AB:BK-/!3HT:NIR[M8XL9(Y`JQE7J6E2&3QD2BT
M+F5%,8>BE75:DFO1I9>PWMG;F837(W"TW"WMK>Q:WO'EEEW&VVV].[6MGX,'
M@O>/N-O"]G#>^%;F"YB@$LDK!RH*#Y8]F9G<.6Q&Z]ZX7HG#4V<W3V/LS<^_
M^J*Z.#L/K23(4*=7];X;'R[HJ)MPY+<&-BR,U;78QTRV1:&*+&4JR"8^VFV"
MQ2&.2WM7NI2JQNJ2C].6A\60G3VA3I"ANQ:DNU*=%=U['\G[?M5C?[)R]<<R
M[@]M;6%W;V6Y(38[@$<[C?RN+=1!'!(8$AAN`;:`.[WDQ0QCJ/D>]._\%OV@
MVSE^VL0V#R/?O;6RGR53LWK'9,V-VKU]3;*FQ&.&1WQNS'X7,/7ONV3[F2F)
MR=2E.#24RE)C[J-JVI[0SI9MXHMH7IKD>K2%ZX12PIHQ7`KW'ATY:^VOM?N7
M+%SO%CR/.-RBY8VR[$:W6X78DN;YKL2OX=G;/-$$%LOAK(!;QLY\>4ZH^DW_
M`+-?W[A-NXK)[PW#B]NNV0V9NZMH,[M;9V/WIN/:FX-C56Z&AZXP']Y4V_NW
M9=?7P>"GH7R-%ORK-+7TM/3FMIXXY'OW!M<DDJ01,^70$,Q16$H0>(VG4CT.
M6TF$:D8FA-#?_61]L-QW6]L]AVJ>[7P[NU1X;FZ>T@N8+Q;:M_/].9[:[1&U
MR3"";9HO$M9I91;RLRB=W=\G^[NO\5L_*;8H=OY(5\ORBV)E*=MJ9?)3Y?L/
M:.1I-K]#Y7&14>2A?';>EW;4Q09Z.;4P2:2SQ&`DIMKV/:[N2Y2=G6GTK@ZP
M*1N"TX-1EM`)C(]!QKT#_;KV:]N>:;W?[/>+FZA\)>7;R-A<Q1B*QND:XWF.
M0O&1).+96>R9:"J+57\04Y;*^37;F*WAO;(=B2TF5V+@NO>R=TX^GI=NXO$P
M[GKNMZ+8E/\`P[KF;'Y;*;GJ<]79?<,YR%%FZ:G`@K*)\>TR+4%*W&QV+PP)
M:`K<O-$N6KI$FNIDP%"@*-+*3E7#4[>J\P^SW(M[L/+UKRJDD',ESNNWVSLT
M\DIMTOWO&\2_#Q1VZPI%`G@2VDCG7%<+="-C%J9:OY4=MT_5/268W)G]O;#[
M`IMX;BVIWOB,OLVGP><JMQ;-EPHJJ':6R=W;CIXLM@LIC\[3Y"7&8S+R;JK,
M=5P3XA*HPU47MP;%MYOMR2"&26S,:O`0]0%?50NZ+AE*E=3)X08$2::J>C"#
MV5Y&EYV]Q+#:-LNMSY6>P@N=FEBNC-"L%V)M+W-W:P,8IHWA>!;BXM5VZ*>*
M2*_:$20R=)K-?,_NG"YV@J:C&0TV`R/8_8U308?*]7;@QV9RO2.X-B9+']&;
MQQ,JYVIDR&.H>YJ?'TF7R?AA2JQV5C9:>'1K*B+EO;)8G57)F6&,$B52!.K@
MSH>T4)A+%%J:,AR>'1QMWW?/;W<=LNH8KQGW2+:;!7EBW&"2*/=X+V-]XM90
M85".^TM/+:V^IS'/;,&EDU:0X=9_)CY'1YW;.X>U\IL_#]8UO:U/U5OG/YS;
M^#VGMG&9C'[5DJ&;KK++NVMSM7!EMQ4-6,C5;AIZ.EI56"*@:I:1C[;OMDV8
M1W,5BLC7@@\6-0Q9B"U/U!I`J`5TA"6))U`4Z2\X>S_M*VV[SM7)%G?S\XQ[
M(VY6<$,\US<21/<A:7T?TR0JT<#Q&".Q>620F1[D1*H'2JVK\D>VZSJSY";R
M_CE'NC?5!N3*[)ZCV=CL/L7)T^*W+G>P]V;#Z^D?:^UMSS=@55"'BH*FKIMP
M'&5-9#33-`\:L[1L3[/MR[AM5MX92T*!YF)<$JL222=S+X=3W!2FH`D5!Q4D
MWOVDY%M^=/:SE_\`=LEERU+:1W>YW3RWD;26\-C;7M\!<7-N+%7H9HXI++ZB
M.)Y$$BL0H8-,_P#-#O`0M%_N%VA@-Z9386"V?OVNZ]RBUFP=T8?:.''R"V3V
M3@LUG(\1A-R;8S&0;,XF:LG@H'HH:JCE>26G#NN3EK:Z$ZF:6))&=/$6CJ6;
MZ>2-@M65@-#@`FNEL`X&&V?=[]N"X?\`QB^W3;H;V:ZLDOH]%[;RW4O[DN["
M:*$RRV]Q$@M+E8D>82M#<(JI*55>[P^57<>T-J=);EI)=O[JP>;W=WMLK=.Y
MJ#9N1J(>P,/M;&9G;?3W:6W*/&Y1X\!A-Q]B2X0Y$1M4TD]'7334C"F$3^TM
MML.VW,^YPMK258X'12X'AEBK31,2.YECUZ>!!`#=U1T&-A]D^0=^WOW%VB9+
MJRW*VL-FN[:W>ZC4V4MS)%<;IMT[21@S306(N_`J(Y$EACCG!E+KU&ZE^4?>
M$&7W'E^WOX;6[<P?7W:NX*F@QNW<7AZ'/Y[J>'9>/KL3UE/0YC+[IJLU59[,
M51K:3-TT*M2U5'+CVG05&GU_L.VE4CV_4)&FA4$L25676:R8"A0H%"IXA@U,
M=/<\^S'MQ+8[38\B>-'NUSNNVP*\D\DKP0[F;MTEW`/%%;K$L,4?A2VCN1)'
M<)=+&QBKSRORG[<H^C>J]P;@SF!V#V90;TW%L[NZASFRXMNY63/[.Q+Y:HHM
MF[3WCN"/#UU)E**KHLD<6F93.97#S-_!WEK`(_=5V/;VW*^CAC>6R:-'@(?4
M-+L%[V5:@CN35H*(_P#:"G5;+V6Y$N/<CG7:]JVVZW3D^7;[>ZVAX;LSQB&Z
ME$2O=W-K`94:-UF@^H-H;.VND'UZI`=726KOFQV_19?"Y1L6U+M7.]@;WR^*
MP^=ZIW'A=PY7H7<_760I.D]X4,<F;FK)8,?W3'C:3+ULD%.9L=EX_P#)H6C+
ME4G+.W/'+'KK<)$BDB52HG60&9#BF8=105-&0]QX='5M]W;D.XL=QLA>:][M
MMKLXI)8=R@E@CWJWOT;=[5R(0@+[29Y+6%7?3/:M^M(&"]3NN_DQ\DXI,9NW
MM"OVGBNO!V[M/JO?.?S.VL-MC:F&JPV&QV6GV#E(]V5N>JH,CF):Y<C6;A@H
MJ*A40+0O4LS$MWFR;*/&@LQ(;KZ=I8U#%F([B`XTA<#3I"$LQKJITFYK]G_:
M)UO=CY-M;Z?FK]Q7.Y6<,5Q+<7,J?JO$M[&;9(59(A"8(K%Y99B93<K"`.EA
MM/Y)]K9'J_Y";UBS]!NS>-#N'*;/Z?VGBL5L/+T=!G\_V)NG8G7-2NV]J[IF
MW_78Z1EQU34P9XXV>N@AE>G=$=G1-<;-M\=_M=L8F2VT!YF)<'2L222#4R^&
M#\0!34%)`(/1!OGM'R1:<Y^UG+K[9+8[!):QW6Z7,DE[$[PPV-M>WZ_47-L+
M))!^O'&]E]0D+NBRJS*%8-MP?-'O2EQ6XIQ2X;!8O.XK!4FR-VU?7F:2LV3O
MW:W6RUW?&Q^R\#D,T:+#YO:^;E_CN*>HF@I)J*FJJ"61Y81(R^+EK:F>$:V:
M168NOB+1XVDI!)&P%2K+V.`"0Q5@`#0"_:_N]^VT]]M,9FN+F]MIYFO+9;Z$
MI=V5S?E-FO-OF2+7+#<0CZ.Y"(\JS207**J2%5/O\<=][GW_`+$RU?N?+8W=
M3X'?6[]H83L'"XP8?#=E;?VWD10T.]L9CX9ZJ@C@KYA+3/)1S2T-1/2234S>
M&1%4);Q:P6ES$L"%`\*.R$U,;,*E"<'T-"`P!`.0>L8O=KEK9^5^9;&VV>RF
MLENMMM;J:QED\67;YYTUO:2.0KDH-,@655F1)5CE'B*Q(_>RKJ,.O>_=>Z][
M]U[KWOW7NO_1W.*_^83\",7D,CB<G\VOB3CLKA\ED,/EL;7?(SJ"DK\7E\36
MSX[*XO(4<^\(ZBBR.-R%-)!40R*LD,T;(X#*0/=6TL>"GJ+_`,.+_P`OO_O.
M;X?_`/I2G3?_`-F7OW7M#_PG]G1F.ONQ>O\`MG9^$[#ZLWSL_LK8.Y8:FHV[
MO?8.Y<-O#:.?IZ.NJL95SX7<FWZW(8?*0TN2HIJ>1H)G"3Q.ALRL![JO#CTL
MO?NO=4I]V_\`;]#X9?\`BI?:O_0_:OL>6'_*A;Q_ST'_`(_9=="_;O\`^1O?
M>`_\7?;O^\9TCOY,/_;O7OC_`,3E\C__`'0X+VIYW_Y6?;O]*/\`M)FZ/_[P
M/_Q*;VU_\5W8O^TB?JD'^3-_F_YA7_B@W;?^]0>Y0Y]^/D__`*6%K_ADZZ.?
MW@/Q_=7_`//F[7_S]TW_`,L+_LDC^;9_XJ30_P#N#V/[ISG_`,E7D+_FNO\`
MQU.E'WR/^GX_<9_\7AO^/V/5EOQ,_P"RWOY/O_C,`_\`NB[&]@C?/^2)SA_T
ML9?^/V76(/OC_P"(Z_?Q_P#/Q?\`6?;NC/?R8_\`MW5WC_XF;Y'_`/NBP_LI
MYV_Y6G;_`+!_VDS=0Y_>!?\`B5WMQ_TH-B_[2)NJ1/Y-7_`'^8C_`.*#=L_]
M:1[E#GS^VY-_Y[[7_#)UT9^_]_N5]U+_`,^;M?\`A/3=_+&_[)!_FW_^*H8C
M_P!Q.R/=.=?^2KR'_P`UA_QU.E'WQ/\`I^WW&/\`Q=9/^/6'5DWQ_P#^RM?Y
M$W_BCN\?_?5;R]@S<_\`DF>X7_/4W_5^TZQ&]T/^G'?WD_\`Y\:V_P"[E9]'
M&_DD?]DY?+'_`,72[]_]T.R/9#SY_P`E'8_^>3_M9GZ@+^\2_P"GK^Q__GOM
MF_[2+WJBG^2=_P`SI^8?_BCO>?\`[T.R?<M>XW^X&P_]+2#_``S==*_[Q'_I
MWOL+_P"?'V?_`*L7G43^4?\`\R@_FC_^*'=@_P#NBW7[3\Y?\E'D#_GLM?\`
MCQZ<^_-_ROGW+_\`SY5A_P!7K;H]'1G_`#-/_A/C_P"(C[G_`/=-6>P9<?\`
M)+Y^_P";/_'$ZQK]QO\`E2O[T;_I=[3_`-7$ZL!_DM?\!_Y@7_B^?;__`$+C
M_8?Y\_YUO_G@7_">L8/[P?\`M?NN_P#GM-L_POU1S_)G_P"R]>_/_$"?(_\`
M]Z3;WN4?<#_E5MI_Y[$_X^_71[^\`_\`$9?;'_Q9]B_ZLS],7\E[_@=\_?\`
MQ0?M[_K?C?;WN!QY3_Z6%M_AEZ,O[P7_`''^Z_\`^?-VK_!+T<'I;_CW_P#A
M.G_X=_R-_P#>SP/L%R?[B\]_\T;/_M#FZ@+W`_Y*/]ZO_P`\&P?]H4_5DO\`
M*-_YG1_-3_\`%ZM__P#N[W7[#G._^X?*O_/#%_VCV_6)7WZ/^G?_`'+?_/;V
M/_5BUZI;_E'?]O<^Q_\`EG\H/_=U7>Y'YY_Y43;?R_ZN)UT)^_1_X@MRC]O+
M_P#U;3I!_P`E#_LI+Y3_`/BF??G_`+TFQ_9G[C_\DC9?^EG#_AGZ%']X?_TZ
M/V6_\^#LO_5B]Z,=T9_S(/\`X3]_^+<=O_\`O\$]A"^_W.YU_P">"#_NW3=1
M![D?]/-_O/?_`!1=K_[LK=6M_P`L#_LL3^;U_P"+4X/_`*V]D^PAS9_R1>4_
M^:/_`&KVG6$WWQ_^G"_<6_\`%+E_XYMW5+?\M[_M^5O7_P`2M\PO^M78WN3N
M</\`IV]G_P`\\'_'X.NA?WMO_D;_`"[_`-*/E?\`X]M_2:_DU_\`;Q7NC_Q$
M7R0_]Z'$>[^X'_*I[5_STK_Q\]&_W_O_`!%#V]_Z7NQ?]69>ECT]_P!D9?R;
M?_&DV1_]^I3^RV[_`.5BYQ_Z5K_]H]QT'>?/_$@OO\_^>D3_`+MK]7&_R[O^
MWD/\WG_Q)'2W_NLW_P"P+S-_RJ?)_P!LO_5JVZP'^]5_XB5]Q7_I5;K_`,?L
M>KM_<?=<[.O>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7
MNO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][
M]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z*9W?\J\=TIO
MP[$KM@Y_<U;5=.;E[4V]5XG*8:F_O%EMN[RVKM)NN\?25\L4XW'DH=TC(02$
M^%J6CJ/S&?8@VO8'W.U^J6[1%%RL3`@G2&1G\0D?A&G2?.I'KU./MS[)W?N)
MRR.9;;FBUL[=.8+?;9UECE;P(I[2YNOKG9`5\",VQ@=1WB26+R<=(KK[YK;9
MWOMWN+>;;(7&4O5NSCN*KK8-T8RIAK94RNZL?A-C;BRV2QN`IMK;MR4N*CJH
M(G>LQBTF4CF%9_G`'[KEN:WFL+;ZH%II=%-)QA"SJ`2605(/!JJ1IX="+FG[
MO&\<N;KR%R^.8_&GWK</`5#;R*4'AVSS7D$4<DS7-M&)&C=@(K@RV[Q_3_`2
MH:+Y481L?\?*W#[`6EVKWC0T=74Y^JW!A\=MC9^>RV6QM!E=F+F<=19/;V=W
MI19;(5LLD+U6/I<A%CJEJ*IJZEHJ:5E]BE#[JKW8,]LQ&D*2SJ%9@^DT8(0%
M%:$KJ&H*`3T57'LKN(NO=*WO^:->]<MRNJPK!+)<74,44CQW?A2/'/#:/$D*
MJXCGD@:>(7$,$(>5`ZC_`)@FRJ^EGJ,?U[E\S]QLKNO<>*I<;N7:U?59W(]2
M]D;:V7B-GPQPU$D297LS:V\J+<V*#O9,8TR3*LT,BA=_5&Y5E5[M5I+"I)5@
M%$L;.7/RC=&C;^D!Y$="QONM<PVTT45US3!;Z-QVF"1I+>X188]SL+B[ENB2
MH)CV^YM9MON2!FX$;1DQR(2^=3_,W!=Q;DQ6WO\`195QTE7DMWOBL[09S%;F
MP^+JMA4NX*W^%9B>7&XF/$=ANN#\RXRG:K6EIJJ.9JODI[9O^6Y=OAEE-\-2
MA`5(*DB32*@5-8^ZFHTJ01IZ+>>/N^[GR#M%]NO]=(S/'#:B2%X9+>61;UH$
M\2)1)*9;$>-I-PXB,DD;QB#`;K)%\P,-E/C-G?D1N#KK"5-#BY\))@-CTV]<
M?55N:R.8I<-5TF+DS>]]L[(P&*W+3IEV!17J:5FB(BJI"P'O7]79$WN+:([Q
M@QU:I"AHH4L"U$9V*X^1%<@=5?V%W"S]X=L]J=KYLN$N)EF$UXUHZI#'$TJM
M((;.XO)I+=C$*$B.0!@7A0`GJ)N+YHXZ;<?]Q]M]23[OWC5]Q4G7FS<;E=UX
M'!8C=N,;:6V-^[<[:PN:J,?E=>RYAGWHC/%3S5&/S5&U-(JN\3->+EJ00-=3
M7PCMUMC(Y"EBIU,C1$`CO[:T)`9#J%0.GMI^[W=IM)YDW?GE;#8(]@:^NY([
M:::6VD%S<64^V2Q*\=+L>")0C.J3VDHF0E5<#S_,+K_KK9FSIL3UAG,=B,WT
MIWGVO282DKL-#)CMU=19S$4.:ZN=_/+3UNZ-[;JS==%CZV.5Z>KGHI9"2)`W
MO?\`5V\O+JX62]5I%N8(BQ!H5E4E9/4*B!2RTJ`0,4Z\OL)S3S9S#O\`'?<X
MVTM_;\Q;/MK3,DI$EMN<,KP[B!0,EO:6T,+3Q%0\22HHH5(Z?.J?F;@>R6[+
MGKME_P!W,7U?L6O[`SN57=%!EJ7"04&3W%C%P6[IIL9AJ3;6XLI2;>GK:'P3
M9&AJ:%97^Z5HF0L7W+DMF;14N=<DTPC4:2"U51M2BI+*"X5JA2#3&<%O.WW?
MMSY1'*$=MS#]7>[SN:6,,?T[Q-,7C@D\:U`DE:X@C:=(IM:P31S%%\%@X89_
M]FPP^>V3\=]]4G6CUN'[GK,:U74YW<&$IL7UQNZ++8K;U5M*JW'3T>9V[6;\
MH,_65M-0AZG'4%<^)J4AKA.U-!/4[%)#<[K:F]`>WK\(8F1"K,'"U#:"`I:@
M8J'!*T!(:_UD+_;.8O=;EJ?F\1W_`"_')I6&"9I+^U,4LZW*P,\4ZV3P)#),
M1'/-"+F%I+8QB:2)$5_\PG8=)3;HKZ;8V7RL.V,#\DLPLF,W'MBLDKO]!LVW
MI-FXJT%5(V*RG?F,S#U6`I*KQ54`I'2JB1R`%B<H7;M;H;I1XC6XRK`#QM6L
M_,0$4D(J#7!]1):_=8YFGEV6VEYD@ADO+G8(J207"A/WP)Q=R94>+'LLD0CO
M98]4;^*&A=EXK#8GRXQG97;B=,U/6,G@KLIN/$3YFEW!C=S8_`5VUJ#(9*7'
M;\QW\)HZ;;^7SD>,>;$4T%1D6K*2*6H9H1$59+=<OR6=@^XB]%5"D"A4L&TY
M0UJ0I:C$A:&@%:X(.9O8N\Y0Y%;W`AYQ'B10P2B)H)+=YDN7CC$ED_BLT\4)
MD"7,CI`(I6CB`D+U#=MOYA8*KZ8[I[YEZXQ^-I.O9:RFIL!C=TT;;IWCF*/-
MY7;.%P.6K\QMO;&W<)F<WEZ>FIZ33D<G2JU:`TZZ3JM+R]*NY;?M7UA+2_B*
MG2JZ0Q8`,6("U)[5/;P]%>[^PNY0>X/M[[9IS;+--NH5FGDMW^FM8FABN)IH
MDBN+B>:*&)I'EK!;R$0DB,ZL9LY\U-HMDMT;7V[L2LW7ED.'J=GTU1FL/BL'
MV?M3<6R]A;@I=XX/+5$%=3/MK'[@W[#@,J[1RR8_(1J71XZB$MZ/EFZ\**:6
MX")W!L$F-U9UT,!D,0A=>&I:TX'IO;ON\;Z+/9MYW;F6.QLCXJW3+%+)-M]S
M!=WL#6LT2E&%P\%D][;`,JSP$Z65XI`,6[?FSBNO\)M&NS_56X::7)XSY!T.
MY*+'9S`ST.S=]_'W&1U$NP$R4AHX,Y+V%D$>CP-53I''+((A-'$\GB2]MRQ)
M>27"Q7Z'2UN5)5JNEP:>)3.GPQF0'YT)`KTYL7W=;[FG<=]MMLYUM'2&;8WM
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M:R!HY<C2/X?*X>7FBO\`<K)[\!H%JI"M616%=2H=+:*9:@+`&H1A6BW_`%AK
MG;>=_<7DVXYU6.ZV2U\2)HK:?Q=P@EC+^-!;2M!<&U$1UW&A9KA8G#1VDZ^)
MH@U'SJVG3[C.,DV-738N'M_M'J&;<M#N[:&1I*:?8W6&:[(VWGZBGHJZ:IHZ
M+LNJVO6X7'TDQBK(,G`JSQA9(R71RM.T.L72^)]/%+I*L#WRK&RY&3$&5V(J
M"IQP/2F+[M>^2[2+Q.9(UO&V';MT%N]K=1LPO-QAL+B!6=`K/MZW$5W/*FJ)
M[=V,;$HU&7K/YSXSMC>&"V%5=-9:@AW-N/';2R"2;@Q.?J-E96IVS!N6>#LW
M#IC*>AVXE2[24N+6&KR$F2FIIF*0*ES>]Y7>Q@N+D;DA,:%QVD:QJ*_IFM6I
MQ:H4*",FO1ASA]VV\Y(V'<^9H?<""5[.TDN4(@EA6[C6X:W4[?*9&><J`)+@
MM'`L"21C5*6H%;M_Y88*38_R`[.EZ]Q.(H.HIMQX^/'T.YJ==T;QS6VMQ[FV
M?@L'E7R6U]O[:V[6[FS&#A@H9/XMDJ6G^]7[B6$(Q*>78)1=[58_5DM<:34K
MVHK(KLPHS,P16);M4G3@&O1%NGLAN2<R>UW)R<U3SW6_+`Y=[=OI[6*X@M[J
M::,1W$]Q.EO%,SS+]-;R/X)\))"PHF,I\\]K0P;LHZ7K'-9+*4>T>O\`>6U*
M*3<6UX\'V;@.P-G1Y:JJ-N[B@GK\?41;+W5408+-J4D>F:J@JU22EE5O:A.4
M[AC;L;U!&9)$8Z6K&T;T`9<'O6KIZT*X8='5E]V7>I)-CN)N<;>*RDO[ZUN7
M$%R9MOFL;HQ*L\!".IN[97O+0U42".2`LDR$=&KZ<[&_TC[:RDU5M=]E9_9N
MZ<UL#=6U/XA1YBCPF?VV:82T^*S-!!24F6P]1CJRFGIIEA@;Q3!'BBD1XU(-
MQLS9S1@3^)%+&LBM0@E6]0:D$$$$5.14$@@]0ES]RE_5+=[*.'>1N.V;A90W
MMM<Z&B::"XU4:2)RS12K(LB2(7<:E+*[HRL19]H.@/U[W[KW0==G]O\`4O2.
MV1O7NCM'KKJ+9IR5'AANWL_>VVM@[9.7R"S-08H9[=>3Q.*.2KEII##!Y?+*
M(VTJ=)M[KP!/`=+ZEJJ:NIJ>MHJB"LHZR"&JI*NEFCJ*:JIJB-98*BGGB9XI
MX)XG#(ZDJRD$$@^_=>Z__]+5)^1.%P]1\DODU+/B<9/*WR9^12F2:@I9)"L?
M=6^8XP7>)F(2-`HYX``^GO72V/X1]I_P]!!_=_`_\Z3$?^>VC_Z\^_=6Z^JC
M_P`)P(HH?Y*/P2CACCBC&S.SF"1HJ(&D[[[6D=@J@"[R,6)_))/O?2.3XVZN
M\]^ZIU2GW;_V_0^&7_BI?:O_`$/VK['EA_RH6\?\]!_X_9=="_;O_P"1O?>`
M_P#%WV[_`+QG2._DP_\`;O7OC_Q.7R/_`/=#@O:GG?\`Y6?;O]*/^TF;H_\`
M[P/_`,2F]M?_`!7=B_[2)^J0?Y,W^;_F%?\`B@W;?^]0>Y0Y]^/D_P#Z6%K_
M`(9.NCG]X#\?W5__`#YNU_\`/W3?_+"_[)(_FV?^*DT/_N#V/[ISG_R5>0O^
M:Z_\=3I1]\C_`*?C]QG_`,7AO^/V/5EOQ,_[+>_D^_\`C,`_^Z+L;V"-\_Y(
MG.'_`$L9?^/V76(/OC_XCK]_'_S\7_6?;NC/?R8_^W=7>/\`XF;Y'_\`NBP_
MLIYV_P"5IV_[!_VDS=0Y_>!?^)7>W'_2@V+_`+2)NJ1/Y-7_``!_F(_^*#=L
M_P#6D>Y0Y\_MN3?^>^U_PR==&?O_`'^Y7W4O_/F[7_A/3=_+&_[)!_FW_P#B
MJ&(_]Q.R/=.=?^2KR'_S6'_'4Z4??$_Z?M]QC_Q=9/\`CUAU9-\?_P#LK7^1
M-_XH[O'_`-]5O+V#-S_Y)GN%_P`]3?\`5^TZQ&]T/^G'?WD__GQK;_NY6?1Q
MOY)'_9.7RQ_\72[]_P#=#LCV0\^?\E'8_P#GD_[69^H"_O$O^GK^Q_\`Y[[9
MO^TB]ZHI_DG?\SI^8?\`XH[WG_[T.R?<M>XW^X&P_P#2T@_PS==*_P"\1_Z=
M[["_^?'V?_JQ>=1/Y1__`#*#^:/_`.*'=@_^Z+=?M/SE_P`E'D#_`)[+7_CQ
MZ<^_-_ROGW+_`/SY5A_U>MNCT=&?\S3_`.$^/_B(^Y__`'35GL&7'_)+Y^_Y
ML_\`'$ZQK]QO^5*_O1O^EWM/_5Q.K`?Y+7_`?^8%_P"+Y]O_`/0N/]A_GS_G
M6_\`G@7_``GK&#^\'_M?NN_^>TVS_"_5'/\`)G_[+U[\_P#$"?(__P!Z3;WN
M4?<#_E5MI_Y[$_X^_71[^\`_\1E]L?\`Q9]B_P"K,_3%_)>_X'?/W_Q0?M[_
M`*WXWV][@<>4_P#I86W^&7HR_O!?]Q_NO_\`GS=J_P`$O1P>EO\`CW_^$Z?_
M`(=_R-_][/`^P7)_N+SW_P`T;/\`[0YNH"]P/^2C_>K_`//!L'_:%/U9+_*-
M_P"9T?S4_P#Q>K?_`/[N]U^PYSO_`+A\J_\`/#%_VCV_6)7WZ/\`IW_W+?\`
MSV]C_P!6+7JEO^4=_P!O<^Q_^6?R@_\`=U7>Y'YY_P"5$VW\O^KB=="?OT?^
M(+<H_;R__P!6TZ0?\E#_`+*2^4__`(IGWY_[TFQ_9G[C_P#)(V7_`*6</^&?
MH4?WA_\`TZ/V6_\`/@[+_P!6+WHQW1G_`#(/_A/W_P"+<=O_`/O\$]A"^_W.
MYU_YX(/^[=-U$'N1_P!/-_O/?_%%VO\`[LK=6M_RP/\`LL3^;U_XM3@_^MO9
M/L(<V?\`)%Y3_P":/_:O:=83??'_`.G"_<6_\4N7_CFW=4M_RWO^WY6]?_$K
M?,+_`*U=C>Y.YP_Z=O9_\\\'_'X.NA?WMO\`Y&_R[_TH^5_^/;?TFOY-?_;Q
M7NC_`,1%\D/_`'H<1[O[@?\`*I[5_P`]*_\`'ST;_?\`O_$4/;W_`*7NQ?\`
M5F7I8]/?]D9?R;?_`!I-D?\`WZE/[+;O_E8N<?\`I6O_`-H]QT'>?/\`Q(+[
M_/\`YZ1/^[:_5QO\N[_MY#_-Y_\`$D=+?^ZS?_L"\S?\JGR?]LO_`%:MNL!_
MO5?^(E?<5_Z56Z_\?L>KM_<?=<[.O>_=>ZZ8Z59K%M()TJ+L;"]E'Y)_'OW7
MNJH/A;\J?ESW1\V/F1U'\E.M=E]&[2ZQZD^,>_\`ICI;!;BQ?8.^=L;>[3S_
M`']ALGN+N7L7"1KMNL[#WA-UG#4_P/"25>'P&,%+"*RMJY*JH?W5V4``CH7/
ME;\@>T.J?EI_+2ZFV5E,51;'^2W>G>.Q.W*"MPE)DJ_+[=V1\5NW>U=N4^(R
M<["?`STV\MGT4TLL`US0HT1.AF!]U4"H8^G6&N^0/:L'\US:WQ6BS&''1^4_
MEZ[]^0-;@#M^F;<$G:N!^2'6_7.,S$>Z3/\`>18>+:.XZN%\>(_%).ZS%M2`
M>_=;H-&KSKT7#^9G\C.[.L_DO\$>BNNOF'UQ\'^ON^\'\LL_V=W3V+L#J_>U
M(^1Z9V]T[7]?[2QM1VYG<#M3"3YNKWQD7DTR25=2M.%C32CNONK(`58E:D4Z
M<OY:7RO[9[A[P^8/QXWC\CNJ?G'L'XZ4_2&8V;\Q^FMF8'9>W\WN+MK&;YKM
MX]"[R@V)F=P=59GL3J6':F.R$]3MRK98\;N.DBR,%-6*5D]U5@/2G3]\X/F9
MV_\`R\>XL'WQVM19/M3X`]E[2I^L\C@M@[&H:_MOH/Y04\F3J.JGHIZ"OI:[
M?G7ORCKZN+:"I606VUNY<3))64^-R-6]/[KP%<5ST<;X>P?*67I3%;E^8^0V
MK!WEO[,YG?N9ZXV128H[6Z'P6YYHJW;/0V.W/C%OV-6=8XG119+<LS,<SE?N
M9X--&::-/=:-/+HT?OW6NO>_=>Z][]U[JJ;O/M#YF](Y3%]P[C[*ZZ-+NSY(
M;5ZBZI^&>$V1B<U4]I;`W5OZBVA13TW:LN1H-X4/;O\`<>6LWA4R0I+@<73T
M#TU1221K+4*,MMM=AOXVL!:.'6W:1[HNP$;*A:GAA2K)4::4#9KJHI8YL>V_
M)WW?_<6RO>0MJY1W7Q['E*YW/<N:YKR6)=NO;:R>Z=6VT1O:OMGU8BVM%8K>
M7#S++'.K%(S:S[!O6$_53/RE[5^:_1N*[$^0=7V'UIMS;VW^X]K]<]`?$W';
M/H=YUWR/PF?W#M_;.`H,IV%_DV^\1W!V759.OJ,?C,'224>!IZ.)ZM:V)*V9
M!QLUER[N,EIM2V\K2/`7FNBQ00$*6:D==!C2@76[#63C3A>LX?9CDK[N_N1>
M\J>UD'*V[W>ZW6P7%_O?,LET]HFPS0P3W$[QV/=9R[7MZQPQS7%Y*LMY)*ZP
M-;NUO&ULWL#]8/=4?=B?.[L/-]V]KXO9?R0ZLZ1CZD[P7I#9G4'9W5.YLYL#
ML3(X"MP>)W'G_D%WUM_#;C'16/WYN/)UN-VA9\87%##42I7"I,22+;<LVT&W
MV,EUMLEPMQ`LK2Q2KXD8?(2&!F3Q752I<=U-0H?+KHURK]VKE7;O;ODB\YA]
MIMYYB;?>7/WO=[IM^Y6\-[8QSI-+!!LFRSRV_P"^)+.!(I]SJ+@#QGB1K<Q:
MVO!'TYX/]/<==<Y>J@.Z_DS\AH<Q\W^S=D=Q]:=5[*^!DE'"W1^[-EXC.YCN
M<TO5NW.U*C)=@;BR&9H-P[*P79K9YL#LR;"-"\U;3232BK8?:^QQM^T[6$V&
MUN[)Y9-Q%?&#LJP][(2M`5;PP-4NH$*`<Y[<\/;SV?\`:M[#[NG)_,?(.[[U
MS![F!C^][:[EABVG5N,^W".R@2)X+N;;Q"+W=5NPX2)U1#`#XPM1V!NZF[`V
M'LG?E%15>-H][;1VWNZDQU>%%?04VY,-19F"BK0A*"KI8JT1R6XUJ;>P?=V[
M6EW=6C,&:*1D)'`E214?(TQUA9S1L4W*W,W,7+-Q<1S7&W7UQ:M(E=#M;RO$
MSI7.EBA*US0CHEGS/[]^0O4.Y.DL7U;L?;U!UQNCNSX_;2[,[AW1FL;5U"XS
MLON##[$K>N.O=A1)49*OW77T-:M369BO--CL;CI2*85-:P^T$/+VU;7N$.X/
M=W9-XEO.R1*K?Z'$7\1WP`M1I5022<M111\A?N^^V'M9SWM'N)>\Y\R74O-M
MGR[O=SM^UV\4BKXFW[7+>)?WUZ2L:6R.ACBM8?$GGG4&;P;=?U[`?86ZQ=ZK
MO^5NX?E1M,]Q=JXGO/K/XS=`]'=;T>[-MY?-[)Q'9M=V_NR/'Y/*;BI.PQF*
MG'UFQ]H8VMIJ##X_'X)9,YEZFNEEBJE<4U*PHV>/995LK.6PDNMQN)"K=[1B
M$5H"H&'-*NS,P50*%0`6.57LGM?LKO8Y"Y*OO;?=^</<_F/=GMIXHKN7;TVN
MV+QQP-8^$KI>74B--=3SWA6SM8X41X2OBS@X72F\=S]A]-]3[_WMM2;8F\M[
M];;'W=NO952E5'4;1W'N/;.,S&;VU-%71PU\4N$R59)3,DZ).ACM(H<$`CW"
M"*UO[VU@EUP1RNJM4'4JL0#48-0*U&#Y8Z@;W#V#9N5>?^=^6.7=[7<M@V[=
M[RUMKM2I6Z@@N)(H;@%"4(FC59`4)0ZJJ2I!Z)]_,5^0GR%^/O4DNZ>C]EX=
M<=0U6TJK??<&Y\EAZG&;%Q69[*V5LR'`[;V%+]QEMZ[VW.-QR"`RI2XG'4T,
MDT]29C3P2G_*>T;=N^X1V][<?J,6TQ4;OTHSL2XH$`533))<CM*ANIZ^ZC[6
M>UGNESU'LON-S#.;N5+E;/:[>.59+R2*PN[MII[T:8K2TM_`75I,ES/(R1QP
M^&)9$L/]A3K%3KWOW7NO>_=>Z*EW5E_BA0[\@G[M;:R;\V9US5=K4E3G*#.3
MUN&Z[VKN2#;-9N2BJ:&FEI?!C-R;YBIGBC9JIGKT_;9"I!_MD>_M:$;9XGTD
MLWA$*5HTC+J"D$URJ5J<=O'J;?;RP][[GEF2/VZ%Z>6=PW9=M987A"2WUS;F
MX2W=78-JDM[-I`S`1@0MWAJ@IC:N0^'6<Q.Z5Q.*QL6%Z^ZVPM;FZ+.8'>5!
M13]0]?;TW#N[;F;H,3G:6-=X;'P>]L+E)*2HIX:R(RQS0*3%+XY'IUYC22'Q
M';Q99V`(*$^-(BHRDCX79&4$$C%#Q%0<[U:^_NVWVRF^O9CN.Z;O,D+PS6CN
M-TOK2"UGA>6%C]+>36DMNLL;M$VEHY#1TU)@S&'^&^Y9.K<3+AJ7,4_:6`R.
MY]F8G;=)OTX?-;'[/W1BMPU.5W=AMO>+'TNQ,WV!N+'SPKG84Q]'FZN%XD@F
MNR^23F.#ZN02,I@D"L6*562)&4!2<EUC5@=)J5&:XZ<L+_W_`-H7G.]3<'MY
M=ENH[>[EG:R\6*\VZVE@6.VEGJ[7D-C!.CFS<SRVD4BNTD=`4U-4_P`OF++5
MF\GHNNZ?(XC:>>W+49B'";CIH:/;/Q?WMD^G-PY*F%/0QT0FZZWEO";$3>%#
M5U/W<1M/`('50%YN\-;8--H:15TZERUT@F4&IK^HB!\X%#P-1T<)#]Z5K&WY
M?%QNK6D]]#;K$9H&+W',5I'NL$;:G+TO[6U2Z76?"C\)Q6*0R*5!A,I\,^Q(
MNO\`K+&1QTJ[&.Y\MUC@Y:;LC8E2F$HZ+.4FY]P[6KI1@*O.[#JZ:FKZ::K6
M:HQ-6T;0ZG8(I8FCYDM3>7LM3XA02M^F_=52BL.X!QVD"@8<?7HKW&S^\#RJ
M_-'.-ZQ<[E]/%N,P:PO%,S/"]O!<H/&6&]5FAD2(HES&&$E%&H].V)SOQ8Q'
M22]C9/'[@Q_2'6]9@]WX?)=K8/MJLPF'IH\%'@MKYW:&%['IJ_(3;6@PNXEC
MQXQ],V/@,H>)$DCU(VT.^R;FUE&RG<Y]2,(VB!8ZM3JQC(&HLN=1J:4X'I!?
M;;[TW_N*>4[.ZM9?<;=XYK66/;9ML2:5C,9KB&ZEL&1!<F6`M/X\@G<+I=F1
MM+!UNO$?`3$4E#A\C@**;(=:=I[NZTP&.VGB^T:O?&VNU-RTFSM^;JVGMF7:
M<;;MI\CF,8<-DQ'1R?;2TD<4D!,<;:5D$O-<IE=)CHFMUD<L8M#1+K16;5VX
M[UR-53G)'0LV2^^\]?S75_:;I(MKO&RVNX3R7,FW+9W&VV[75E;7-P+D_3-'
M%)]5;ZI5\19&=9!K<5768K_A&NWNM9,O'L)MM[=ZAW-VWUJ3CLQ)08SJCI]L
M'7;LW'CUIZ5@@VA-N.CDK*><?Q$S3-JB>1)=*>->9_'O1&9?'>X6*3*U,LU0
MBG/X])H1VT'$`CH-V%M]XL[IS>EBVY_O>[WZWVS</U(@\FY;IXR6T#ZFS]4(
M)5BD3]`(@HZJR5Q;*B^&6^J:LVQMO`XF7'[>ZNJ:9<;EL!O/"X[,=.8??"YZ
MJJ<4N>I:*FWELK%;]QS:Y(ONTIYV>$Z8JHI-ZY;F6U8332L':X&0R$B9HZ"N
MFNAS&?E49XKB_,3_`'@>6IK?>=WW.=;JZWI6\2*:TEDBW66S\%5D,+.UK=R6
M4@HK>$70+(*O"&CBYFC^%NY<!UAD#CJ3,[8[EILYV!LF':%/V"V+W)MKL"MV
M?E]S;AW!A-IF(4VP,KN*NP,^2BRU/'B:;*S4TM1%%/JD7:-S+!-=IJ99[9A&
M^K156C60*H9OQA!(%*G45!"DX'3UA/\`>%V?=.<K7ZN2WWGE]X;&[-TUB)+>
MXLDNHK>"":YKJO8X$O4MVMG:YDMDF2)WCHI9\O)_+\&1R6:RM%US'7;9V_V(
M,K5'#;@ACI\+\-,C'2]A5-7'3T24N1J>IJS>RI)4%9JJJBJ@(7J8H_0[&.;M
M"0QM-ID>.@U+EKP5CIFH$H3A@`C.DG*^Q3[TAM;3;K&YW8VUY=6/AKXL!+3<
MUQEK%5+.6C7<UM"50%8XVC_46%W[EOC<S\4=ZY?9O3E`M71Y*BW/N#>?6V+2
MB[,V2,MG\%19>BWAGMB[F6+!)N"EPL.;K*/*FCK)J6&2J,%0H:5%9))'OT$=
MUN$F4T(DAK&U%)5D5US2I52M14TQP/0<O-O][N7K'F#GZZ*26DEG!:;A(7V^
M[\*&9XGM8;RWK,8&E:&*6V\6))'6/Q(B0C$-NWZ_XD4/5>\M[1T&7HND^K,K
M-V+D<OO?'=KR=<XJIVAD=RY"HW%L/';T2HQ%=BL-EOOI63`TTE(:CQL(V84Y
M%Y$Y@DOX+74#N<X\,*AB\1M84:7*Y!9=([S6E<_%TLW2V]]+GG78.77N8)/<
M7>H18)%:/MHOY5NH[=%@O9+0K*DDL7@J#>2++HU@L!XHZ8<WMOX'X"ASF%JL
M!M1'ZJW#N?!5>,V_1[OK-P[4W%VIM'8_869Q&`7;WFSM-+O7:DN!KJ2/'-X)
ME@@6EM)3%8G5GYIFTR":4B>-34E0'6)GC!-<51M:FO<*FN&!)EM^[_>7W2XV
M[<(=SOBN]VEO,LD[VJP7,&VW-Y8Q2S>/2%A:7(O89&G&M2\AFJDP9Y^;S'P<
MCV?U9A]TC:L>V8,-VUO7KO&[EQN[VJZ6#J2IH=X=S97)PY2E?,T^Y]J9*@2M
MS"9>V6>LBE++),)O?HH^:/J+Z2W\3QBT*2%2E#XH*0@4--+@Z4T=M".`ITFV
MZP^\@V_<Z7^RF].\-<;9:7TEO):Z6.YJ]KM,<9C81-;W,;F*U-K_`(L(F0*5
MC,?2BV0/B;V6M)M+:^"I:O'S];[TI<#_`!+`[SP&%W1U;FMR;8R/84.W<MG:
M;&T>Z-MTN[&QG\42&684-7.J.(_N'$C%RW,%F9)YY6#K.FJA1BLH5A&2%J58
MIJTG%0#QTX*N8S[X\GF??-ZW)X[I=WM&F\.:TGEMMQAM[B.Q,\4+2-;7#6WU
M'TY94\:-"RE_"4HE\O5_"?<&TNN]XT]#2Y#:O<&6W+OO9DVP:#L2A&Z*;*8W
M`T6_]PY3`[+2@R)V'/C\5CFW%%D:889M$4U=$6/D]OQKS-#<7=L6*SVRK&X<
MQG206,:AGJ-8);PRIU\0IICHYL(/O$;7OO->P2W#Q;WL,%O9W8O7L7^G:.29
M[*".:[+Q_6J\DXL&@D-V*O';.%&GK#DZ?X#Y+/8W;>2Q.P#F,1GMZ]-8_''`
M[BHZ6#<O3>`A[@WEMZ0PT-/BY\QM7;U!_%VKI6>6:)91#/*6E0VC/-D<4DR2
M2^&RI,3J4DK,W@HW&M&8Z*#`Q4#!Z<LY?O.V>V7F[6=]N@L)[:TW5Y/&@=FM
M]UG.UVDXJ[2"*YG?Z40J`J,4,D2`(PY8/=_PD['I-K];8.=#C-X;_P#[\=??
M:4/9VSJ3=O8M3B&SN2S.PMW1PX.3*YK&8C,>3)B@K"*%*K34K&7*^ZS6W,UH
MUQ>3*=<4022IC;3&&HH=<T4LM%J.ZF*]:W+8?O%<I3[US=N49%Y8;7]'?:GV
M^Z:VL%E$,<5[:DS".&26+3;^-%^L8ZQ%M(/2LP%7\7J?9/9N8I\?N*GZIZZR
M65WUNW([LH>V9>L*2NZ[W7N#<N>S6RZ?=0GVOE(L'O#"UM55KM^&6*HJHU9T
ME+0W3RIOC7=G&60[A.JQJ%,7B$2(JJKZ>X:D90-9%`?+/1'ND'O-+S%R?82W
M5H_.V[0Q6=JEL^V#<62^MH+>&&[:VI<1F:UEACB-ZRLD;$*R4DH@LY)_+]FV
M_NZ@R%!L:?%["KZ7=N=Q>-Q&ZCE-KU_>7653F,96X*AQ-*N9Q2[]ZZBD%)%B
MUCA8PB&)4JH5C19&.;A+;LK2AY5**25HP@DH0230^')Q+9S4]IJ1/MR_>C3=
M-BN;2ZW);S<XFMH9));;P[A-GW!8I$F>5O"D-E?E?%:X)<:_$=FAD+,:/HY^
MJGZ_I1T[`M)M./,[BBK*2HASE-GJ3=:YFL_O93[O@W2!NR+=R9PS??\`\4O6
MM*=3D@J21;F+X71_>!K/H6AP5*:1HT:>W1IIITXIU"_N.O.J\T3'GV77O9MX
M"C*86A:V\)/IFM6MO\6-J8=/@_3_`*(7"@$$`7O9?T!.@>[][_Z<^+?46\>^
M>_\`?N(ZQZAZ_I\55;QWSGHZ^7%8*#-Y[%;8Q+U46+H\AD)#7Y_-TE+&L4,C
M&6=1:UR/=>`KUIB_\*6?YHG\OCYU_P`MZGZ2^*'R>ZX[T[7@^0_5.]DV/M2'
M</\`&!MK;^.WG29S,Q_QK`XRC6GH%R\:2'RAM,U@""??NG$4UI_JXCJ^SI+^
M>O\`RBJ[;O3W6.+^=/3^0WMD<1UUL#%[=HJ7>SU=9NK(4F&VW08:!?[I+%'-
M/F)T@N[)'&3=V50Q'NJE34_;U__3U0?D7N7;M+\D_DU#59_"TTR_)CY$N89\
MK0PRA)NZ-\31,8Y)U<++#(K*;696!'!]ZZ5HRA:%A6I_P]`__>W:O_/3;?\`
M_/SCO_JGW[JVM/XA^WKZK'_";Z>"I_DH?!*6GFBGB_N;VA'Y(9$EC\D'?O:\
M$T>M"RZX9HV1A]592#R#[WTED^-NKOO?NJ=4G=W5%.O\];X84[3PK4/\2NTR
ML!E03,';MMD*Q%M9#+32$<<B-O\`4FP\L"/ZA;N*Y,['\@]B"?R+"OI4>HZZ
M'^W44A_NV_O`R"-O#'.^WYH:8_=0.>&"RU_TP]1TC/Y+E533_P`O'OF6"H@F
MB7O'Y&EI8IHY(U#;<V_.I9T8J`T,BN.>58'Z$>U/.V>9]NIG%/S%U."/M!!!
M]""./1__`'@L,L?WJ/;1)(F5SR[L>""#BYN%.#Z,"/M!'$=4@_R::JFCB_F&
M>2H@33\`>X)VURQKI@A%-YIFU,+11:UU-]%N+_7W)G/$T4[\H^!*KTW"UKI(
M-*F6G#UH:>M#UT;^_P#122/]U;PXV:ON?M*X!.6UT&/,T-!Q-#3J%_+"FB'Q
M(_FV7EC'_.)%"?UK]/L^Q5O]?IJ8#_7(]M<X7%O)N?(KQSHR+,I)#`@#2N20
M<#!X^AZ>^^.K'WP^XR0#3^O#?\>L3_D/[.K*OB954W^SQ_R>X/N8/,_\L"Z0
M^:/RL&P/9I4K'JUMJ%+):PY\;?ZDV!N]LK;)S:58$-N$I'S&NQR/4=RYX9'J
M.L1/?"*7_@<OOY2>$WA_Z\1S0T_M]M\^'XE_WI?4=&>_DO55-/\`RYN\YH*B
M":)>Y?D<6EBFCDC4-MW!SJ6=&*@-#(KCGE6!^A'LJYUSS1M],^7YBZF!'V@@
M@^A!''J'/[P2&6/[V'MNDD3*YV'8\$$'%S.IP?1@1]H(XCJD3^3;54T=!_,3
M\E1`FGX`]O3MKEC73!#"GFF;4PM%%K74WT6XO]?<F<[313S<G>!*KTO[2ND@
MTJ9*</6AIZTZZ,??[BDDNONH^'&S5]S]J7`)RQ:@QYFAH.)H:=0?Y8TT0^(/
M\V^\L8_YQ0Q!Y=?I]MV,M_K]-3`?ZY'MKG*XMY-SY&>.=&19020P(`TJ:D@X
MX'CZ'I[[X:L??7[C)`)']=9/\-B?\A_9U9)\?ZB`_+C^1)&)X3(WP=WAI02I
MK:_5>]P++JU&YA?_`)(/]#[!^Y2(=LY_HX.JX8KGB!/9Y'J,C(]1Z]8C^Z$<
MG^L;_>3MH.G_`%Q;;-#3_DI67^<?M'J.CC_R1)X9OC?\LGAFBE0?-'ON[Q2)
M(HU;>V-(MV4D#5&X8?U!!^A]D7/3*VX[)I(-+6GYBYN`1]H."/(]0'_>*1R)
M[L>QZNA#?ZWVSX(IPN;T'^8(^T4ZHG_DGU-..Z/F&340@?[(SWK-<RI;PQ[A
MV.7EOJ_S:!Q=OH+CW+'N%-%-9;&L4JLPW2"H!!IF?C3KI7_>(1R'V^]A@$)/
M^N3LPX'B8;V@^TT-!\NHW\I&H@7J#^:1JFA6WP*[$E.J1!:*/!;J\DANW$::
MQ<_07%_:;FZ>";<>0C#,C@7EI6A!I5C2M.%:']AZ<^_(COSY]R_2A/\`S$O;
MQ@>9FMZ#[30T'G3H]'1=1`W:?_"?'3-$U^I>YU%I$-V_A5=%I%C]?*A6W^J!
M'U]@V>6,[9SR!(M7$)7([AHC-5]13./+/6-7N,CCDK^]%JA_Y+6TGA_3C/\`
M@(/V&O5@?\EB2.2F_F!^.1'_`.<\NWF]#*WI9:#2?23PUC;^MO9#STZ/_5[0
MX.FR4&AK0@FH/H1YCB.L7_[PA667[KU5(_YAIM@_,%ZC\NJ-OY,M33O\\N^9
M$GA>.3H'Y'2)(LJ,CH=Q;>D#HP8JR>,:KCBW/N3^?IHGY:VN))5,JWB5`()%
M'8&HXBAP?GCKI!_>`QR#[M'MG&4(D'-&Q`BAJ#X,XH1Y&N/MQTP_R8*JFCKO
MG]KJ($T_`+N.=M<L:Z8(9\5YIC=A:*+R+J;Z+J%_K[>Y[FBG/*G@2J]-QM:Z
M2#2IEIP]:&GK0]&?]X%%));?=?\`#C9O^8G[2N`3EA-0?::&@XFAIPZ.#TK5
M4QV]_P`)T2*B`A]Y?(^-")HR&D3?.!IWC4AK,Z5!T$#D/Z?KQ[!DDD9M>=Z.
M.^"S*Y'</H9FJ/4:<X\L\.H"]P(I1N7]ZN#&U?W?L!X'@;&=@?L*]U?3/#JR
MC^47+$_=7\U5$DC=D^=._BZJZLR!LYNY06`)*@M&P%_RI_H?8>YU=7L^5]#`
MTLH@:9H?I[8T/H:$8^8ZQ(^_2C+[??<L)4@'VWLO^K%H?\!'[1Z]4L_RC:B!
MOYN?896:)A+'\H/%ID0^3_<O7R?MV;U_MJ6XOP"?I[D/G>:%^2+"))5,JTJ`
M02*2H#4<10X/SQUT)^_2CC[B_*@*&JGE^N.'Z<8SZ9Q]N.D'_)/J:<_(_P"4
MT@GA*'X7]^RAQ*A0Q#<6QF,@8-8QA3>_TM[-/<2:&3:MGCCE5I!N<-0""1F<
M9`X9QT*?[P^.3_6E]ETT'6/<+912AK7P;T4IZUQ3HQG1U72IT)_PGX#U-.AE
M^77;ZQ!IHU,C#O6G@*Q@L"[>>=$L/[;J/J1["5W)&]YSDZ."K6$%"#4'_=;.
M<>N`3CR!/`'J(?<:&5O<O^\^*Q,0.1-JK0''^Z1V_P".JQ^P$\`>K7?Y7E13
MS?,?^;['#/#*\7RIP?E2.5'>/_*>SH?W%5B4_>@D3FWJ1A]0?81YK(.R\J`'
MA#0_(_369H?G0@_80>!'6$OWR8I4]A/N*,\;!3R7+0D$5_3VTX_)E/V$'@1U
M2W_+>G@_X?,WBOFBU3=K_,-85\B7E84W9$I6,7N["*-FL+^E2?H/<E\W30O[
M=6T:2J9%MH:@$$BCVX-1Q%#@_/'70K[VJ.?[M_8*(>W8^5R<<!JVX9],D#/F
M0//I-?R:*FG?^8GW*Z3PNDG4'R/>-UE1ED0Y_$R:D8,0R^,%KCBW/T]WY^FA
M?E?;8DE4RK<BH!!(I(0:CB*'!^>.CC[_`/'(/NI<@(4(==^V($4-0?"D&1Y9
MQ]N.EET_/!_LFG\FU?-%J/\`,GR5E\B:CI[4H]5A>_I\JW_IJ']1[+;J:$\P
M<W2"52C;>X4U%"?I[G`/F<'`S@^G0=Y\1_\`@@/O\MH.G_6E3-/^D;)_F/[#
MZ=7'?RZY8I/YD7\WL)(CE>R>F`P1U8J5QW8",&`)L5=2#_0BWL#\RNC<J\HH
M&!=3)45R*PVI%1Y5&1ZCK`;[UBLOW2ON*ZE(_P!U.Z_S:P(_:,_9U=W[`'7.
MKKWOW7NO>_=>Z)5UK\;-Z[,^>/RH^4V3SFUJK8?>G1GQ;ZOVKM^A?+'=V(SG
M1V9[YR6Z:_<"5%!%AEQ.6A[4H%QYIJF:8M3U'F2,",O[JQ/:!TD?GC\8^X^Z
MJCXT]V?&C<G7&"^2?P^[HK^WNL,1W+!N)NI.Q<3O#K3>_3?9O6F]\GM*"OW-
MM&/<FP^P*J;'9VBH<G-B\K14SM1SPM*H]UX&E0>!Z#OXR_&OY79WYC;Q^=GS
M,FZ/V5O>+XZTOQ7Z<Z/^/6Y-Y;_VMM;KVN[%I.UM^[Y[`[*WYL[8&4W/OS>&
M[,-BZ:DHJ##TF-Q&*QJ_N5-35SM'[KQ(II'"O2W^4OPB@^3GR^^$W=&]L%U!
MOOI/XX;2^5^([$ZS[4VO%O*?<^?[OP'4>*Z^S.U\!F,%F=I22[6J=B9`UD]:
MT%1#%5H*8OKF`]UY6HK#S/1X=C=?;"ZOVW1[.ZTV1M#KO:..>>3'[5V-MK#;
M2VW0R54AFJ7H\'@*+'XRF>HF8O(4B4NQN;GW[JI)/'JNWOKX#5OS9^2F:S/S
M-39/8'PNZVZYRVT_C]\9\?D=R5-#NOLSM':63VIVO\@.]*5Z/"XR3>VS=JY>
MIV_UY3T4]?\`W=CR&0S,4]/E9Z9J/W5@Q7AQZ'OX-=4?(WH;HZEZ/^1W9F'[
MMK.IMP938_3_`',*_*5O8O8_0>%CI*?JS*]\+D,+B*5N\L3@A_#-P5U"]92Y
MJ:B3)M-]S65$<?NM&AST<;W[K77O?NO=>]^Z]U5!@.A/G=C/DIN;O_=>`^(7
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M-QY879X]M,]_"6"F7PX83XKT%=4C3!BBMJ\-`%6A!8%ZL<W-J]SONV0>S6T>
MUL.Z<];(+F"*;?6L-NVB9MXW!.]?'O)MSAN#MEFY*V-@(XX5(^KGCDNV\1;7
MA>PO:]A>W(O^;7L;7]@CK"0TJ:<.JENQ?A3W[+C?EGT1UCD.FO\`9?OFIVAF
M^S]Z;YWI/N6?M+J2M[*Q>V</W/0X79M+@JO;'8L^1@VW]WM2JFRN&?#5E45J
M!/%24Y<<0<Q;:[;)N-ZD_P"\]OMUA5$"B.58]7AEGJ&0@-23M<,`*#)'6<7*
MOWAO;%;OV/\`<KG&UY@_UT?;W9H=NM+.T6W7;MS2PDN)=J>:[:9;BQ$9N/"W
M*-;:[%U%&#%X;S2A;8*&DBQ]%1T$#2O#14M/20M42O/.T5-$D,;33R%I)I2B
M`L[$LQN3S[!+,79G/$FO[>L(KF=[JXGN9`HDD=F(4!5JQ)-`,`5.`,`8'56'
MRK^&';G??9V_ZJFV9\3=P83L';%!LK9?>V^=FY6'OCXZ;4S&`7;/9&,QF-Q6
M*JL3W-6"*:KS&S*FORF&;;N;R$WE6:".,R#39.8;':[2U'U%\DL3EFB1E,,[
M`EHR2Q_2'!90$<2(.&3UFG[)_>"Y%]LN3N5X9>8.>+7<=KO'N[O9K.ZC.S;[
M<Q3&XL))))9%DVI*B*UW6.&VNQ?6D":"DCN%LWVAM?$;'VGM?96WXI8,#L_;
MN$VOA()YWJ9X<1M_&TV)QL4U3)>2HECHZ1`SMZG(N>3[!]Q/)=7$]S,:RR.S
M-Y98DG'VGK#O?MZO^8]\WGF'='5MSO[N:YF*@*#+/(TLA"C"@NQ(`P!@=`/\
MJ.E-R]Z;/ZXV[M?*8/%5>SOD)T'VYDIL^]?'3U.W^J>S<!O;.XZA;'45=*<Q
M7X[$O'2+(J0-,RB22-27!GLFXQ;9/>2RHQ$EK-$*`',B%`34C&<GB.-#P,F>
MRWN'M'MMOW-NZ[S9W,\&X<J[UMD8A"%EGW+;YK2%WUN@\)'E#2E27"`E4<@*
M3->R;J'NJQ/DMT#\O^U/D/@M^X3$?&7LSI+K&EP65Z=ZE[?[#[;V?B,7VE`L
M-7E>W=_;=V7UKNW#;]W7A:@O1;;BKJB6@P<`-;!3ID93/&+MHO\`E^UVV6WN
M9;R*^E^-XHXG)6K?IJSRJ50C0QTJ&+`@L5T@9B^T/N=[#\E^U>Y\L[E?\X;/
M[B;P\T>Z;GM=CMEU+)MQ++'MEE/=[A;2V5M*NF6_:&-9[MZ6\DK6J"-K&-H/
MNV7:NW)-^TNW:+>[X3&/NZCVA79+)[5I=QM1Q',T^W,CF<?B<M782*O,BTTM
M32T\\D(5GC1B5`7N!;BXF%HSFUU'07`#E:]NH*2`U.(!(KP)ZQ0WY=C3>]V3
MEB:[DY<%Q(+5KI(X[EH-1\)IXXGEB28I0R+'(Z*U0KL*$EY^:W1>Z_DG\:>P
M>F-D9?;V"W-NS(==U>.RNZCDA@J:/:/9^S-[9%:TXBDKLAKJ<7MR>*#1$P^X
MD359-3`XY9W6WV7>[3<KJ-W@C$@(2FHZXG04J0,%@3GA7SZE3[O'N3LGM%[O
M\K>X/,=A=7.SV,5\KQVWA^,QNMNN[2/1XK(E%DG1GJP[`U*M0$U/LAZA7KWO
MW7NO>_=>Z+'W#\7]M=R[_P!L]@9G<^X<16[9P$FUX\7BXL4^,RV!K<J<SF<1
MF4K:*HEK,=F<C28Z6:'4JB7&0.MB&N>;=OL^VVD]G%`C*[ZJFM0P&D$4."`6
M`/HQZF/D'WEWCV_Y7WCE;;]FM)[>\NA<&20R"2*9(_"BEB*.H62*-IU5J$Z;
MB534$40NU/A)LK9VW-V;4PF\=T4.'[`V[M'"[[:ACQ]#EMP5^V=Y5.Y*[<4&
M9@B%?@<GNS"ULN)R"430TQCTU4,<56'ED4S\RW%Q-#.]K&9(I'9*U(4.@4+3
M@P5@'4FIKVDE:`"3>_O%<P[_`+MLF][AL%E)?[7=W4UGK+O%`EQ:+;I`8B=$
MT=M*BW,!E#2:JPR.\&E%SYCX>P56)Z_V]@NT]T;?P_7&1W96;7J#A<#F=W;;
M7.[GJ=SX2;:&^<E$^Y=OY7;@J/X7++)-6TN8PRBGKZ6>0+.M4YA827$TEC&\
MDH36*L%?2F@AT!TD-\>`&1ZE&`)'3=A[]RPWW-&Z[ER5975_NT5LEPOBS16M
MQX-NMO,+JSC(MYXY]/U"JJ126MT3+:S1H6B*0I?Y?6P*#.461HNPNP8\-CL7
MC,91[8JZK&Y7'!*B)?\`2,M5592DJ\A5X_M2OQ&#K<I1M)]O#6X2"2F$7DE4
MJCS==M$R-9P^(S$EA4'C^G2A`!B!=4/'2Y!K0='TWWI>:+G;;BTN>5=J.X2S
M22-<*LD<E5/^(%5C945]M26\AMY0NMHKR1)2^E"%-M_X6;>V#A]AP]8[TKMG
M[JVIG-S9C<6]*O;>&W1E=_+N_&9/%YRFS466<)C;QY-I:5:%X*2FGU.*<B1U
M*>?F2:[DNS>6P>"14"H&90F@@C33CPH:U)'GCHFW7[PNZ\S[AS-)SCR]%?[+
M?6UO%!:+<2V\=E]+)')"T)B%9,QA9#,'ED2@,H*J>G';?P\VYC>I<1TMFMSR
MU&R,7NC"9VLIMEX"FZXKMTX[`8`X>EP^[<C@<A/5Y&?(5L%+65];3O1RU34P
MBTI$SJ6YN89WOYMR2'_&F1E!=BX0LVHE`0*4%0H-:5KQITDW?W[W:\YYO_<+
M;MG5.8Y[*:%&NYFOTMI)I_%:6UCF15C"(9(H8G$JQB0O5G52$94_!:*+(;)W
M5@^Z-XXSL#8^XLON.'=%9MW:V6HMT5T\6W<7M:JWKMQZ6DI,_E]B;6V^<3CL
M@)8*S[*LG65W!0(K_K4S1W=O)ML9M)8PND,P*#N+:&J2H=VULM"M0*`9J(8O
MO*2/:<Q;)N7M]83<K[E:16YMUGN8GMT4SR7*VDX9FABO;F?ZF>#2\7BQ1,BK
M1BRHSOPEV-G\)U[@ZO>&[U@V-MO<&UZVI3^#_=[QQ>]\Z-Q]ATN><X_QPT6^
MLHH:NIZ58(A&JI&%55`9BYGNH9;R5;:.LKJP&:(473&5SQ0?"34^9Z)ML^\5
MS)M>X\U;E!L%@9=RNX+A%/BZ;62SA\"Q:$:ZE[./$+R%VU%F<L6)ZP;8^$VU
M]G8/>.%VYV#O#$R=D]?#8?8N9HJ;!19O<SC=-9FWW13Y$T#S[=SU7@\UD<34
M?8&&GGAJ8JAH_NJ6&4>FYEFN)H)9K.-O"F\2,$MI7L"Z2*T9055AJJ00172Q
M'3F\?>)WG?\`<M@W#=N5K"==HW7ZVQB=IC#;_P"+)"+=DU@3PK-#!<IXVN1&
MC>(/X,TB'/E?AU32;7V;LO;79^X-N;>V'O3<^Z]IF7;VWL_N/:<&X-R0;MH*
M;9N\,G%_>3;V7VQEEJ*>EKON*A*G$5LU#74]7%XC%1.83X\US/8H\LD:J_<P
M5]*%"74'2P8$$B@(=0RE235JR]_)EWG?^8=WY-M;O==SV^WMKFD\\,%R8+=K
M5VNK6,_3SQ7$9222'0ACNHH[FVE@?6'1];_+UZ]JZNI,?8/8,&'R6`H,+EL'
M)5T&1IZQZJ*II>PY*>KR=+5UF)Q7:M$*./,XVF:.C8T$;0K%=P5:<WW:*!]'
M"9%<L&R*9K'@$`F(ZM#&I[B#6@Z/[;[U'-4$$0;E;:FOX;IYHI@KHR!2K6(9
M8V5)9-M?Q6M+B0-*!,XD9Z*0(E!\1<!M>OQ6[=A;IFVWVA2[ZKMXYOL7([>Q
MVZ,EN>CRN*W#A\CMFNQV2J8:+%XJ>FSXD'\-^S!J:2":1)75BR&3?YITEM[B
M$-9-&JB,,5"E60Z@1DFBT[JX8TIT%+KWUW/>;6]V+F;95N^37VU+6*QCGDMX
M[=HI8)4N$DC4O)(&@T_K^+^G+(B,BD`-.V/AE@L)U]N'JO(;QFK-E;EWUB=W
MYN/!;7Q6T-R;EH,;N?)[KGVWO#<V*JI*O.09/)55,DU5`E#4?;TS1@VGENY-
MS'+)=QWRVX%RL3(M6+*I*!-2*>!`!(!U"IK^$=+MY^\#N6X\T[5SK:[`L?,-
MGMLMK"9KB2ZM[=Y+>.V%Q:V\BA86CC60I&YF37(&.8DZ3<7P.PM&V"RE!VWO
MI-V;=QVYL+2[CR&-VSDQFL+7G9/]R*'>>-EQT46ZINLHMATD.,JY9(ZMZ>IJ
MXI9&2H8!]N:YG6:,V$0A<J=(+#2PUZRAKVB0R$LO"H4@=O1N_P!YC<9QN5G<
M\B[:=DNY;>5H$DN(_!F3ZOZM[202$VPW`WLC7$2JT0>.!T0-$"5/N[X6[6WU
MM;:6`W)OG=$V3PN;W]N?<VY<?18/'U^],[VCE*+([]%73K134V&P.>I89\<U
M!2:8QC*@PL[LHD+-MS+<6D]Q+#:QZ&2-54EB$6($1TSW,IHVH_B%<<.B;8OO
M"[WRUO6^;GM'+=DMG<6UE;V]N[S.EI#MT;QV6EM8:6:%BDXGDJQN$\0*H;0)
M6$^&VU=M4V\O[O;RW%A\OV/UYNSKW?N=I:/$-7[BBW'FER=!N.-)Z>:EP6X-
MN4%7D*"%\>E-#54]7&U5'--1TDD5).8II7@,MJC)%,DB+4T4JNDKQJRM12=5
M2"#I(#,"SN/O_O6[S;!^]>7[2>QVG=;:^LH6>71`8(?#>`E6#303ND$SB<R/
M&\3K"\<=Q.KQ\I\.<=_=/`;'VMV1N#";8VQV3E=^[>HLYA<-O2OVK3Y=L?6_
MP[9>Y<P(MU;5S6W,W35-3ALM!7-+219&HI9XJNF*1IM.86,\ES/9(\[PJC$,
MR!BM15U':X84#J1DJ&!5JDNV7O[=?OS<^8]ZY2M;G>;S:(K*=X99;1+EHO$3
MQ+NWBK;7,,\+1QW5L\(65H(IHG@F#.S!E_@=M')R8YHNT.RZ04]>=U9&63(4
M&4K\MV+4)D<7E=[_`'N4I*IL4^<VCG\GA:O&T:P8V2@K2!$KQJWM^+FJXC$E
M;&$U&D8(`CP0E`172ZJX8U;4O')Z-+#[S&^V:W8?DS9W+Q?31@(\:16"F.2*
MST1LOB"&Z@M[N*XE+SK-""7*L1TXXSX1[3VE3OE>O-TS[5[&_P!)<'8<'8%9
MMG#;EJ8:>EH*_%4NSHL%D'AQ=#MR#&5PB_R'[*>4TT#RO(T=RW)S-<7#:+J`
M/:&'PS&&*@Y!+U&2Q(.34"IH!TDO/O%[YOLJV7-6RK>\I_N<V+6*7$MNI9G2
M1KHS(#(\[2(6_6\5%\21450U`\;?^(6'Q>UNP=D9'=HK=M]C;TQV[\_/A]IX
MS:V[<M'#V#7]A9;"[BW7BZUJK,4N6JZ]J)9HHJ.HI:(LL;:W+AJ;F"62XMKI
M8*2Q1%%!8LJ_IB,,JD8(`U9)!-/(=%^Z>^^X7N]<K<Q6NQ^'N^T[=):P"6YD
MN;:(FQ2QBF@MI$TQ-$J"8JS2I)-0L-*A>D9D_@-M&MH812]F;]H\]CZ7*8'%
M[DFCP>3KJG9`PT5#LO9>\$K:!_[ZXSKO,TD&3QD]4Z5GW(E625HZB52K3FVY
M1C6RA,1(8KW`!ZU=TH>PR`E6`Q2E!4#H0V?WGM]M[F0S<G[9)MDKQS26X,T:
M+>>*7N[NU*./I)+Z)WM[A(P8O#*%4#Q(0:?J;K0=8X#+4%5N&MW;N+=&Z<WO
M?>&YZZCI,6V;W/GW@%94TN'QX^QP^.IJ2C@IJ:FC+^.&!=;R2%Y&(;^]-[+$
MPB$<4<:HB@DT5>%2<DDDDGU.`!0=0KSQS>><=TL;F':X[':K*RAL[6W1VD\&
MW@#:%:5^^61F=Y))&IJ=SI5$"JHH^T/0,Z"_N?I3J;Y%=9[IZ9[SZ_VQVGU5
MO:#'4V[=A;RQD.8VUN"#$9G';AQD>3QT_P"U4+09S$4M5%?]$\",.5'OW7N'
M6FY_PIW_`)=OP.^&W\M&F[<^,/Q7Z/Z#[0J?D;U+LZ/??7.SL7M?<S;?S6-W
MM6YK"19&D$<LE'7IB(WFB.I66'41Z;C5.G4=JY;'^R.M@'I/^3E_*KI-J]1=
MC8KX#?&/';QH\#U_OC&;DQ_6^*3)T.YZ6@Q&X*'-T>08RU7WM-E8UG25I'<N
M`6+<WW0=49FJ03Y]?__4WAZGXQ?&NLJJJMK/CUT=55E=55-=6U=3U-L*>JK*
MZMGDJJRLJIY<`TM155=5,\DLCDO)(Q9B22??NMU/KUA_V5KXQ_\`>.?1'_HH
M>OO_`+'O?NO5/KT+6V=K;9V5@L?M?9NW,%M+;6)CEBQ6W=LXC'X'!8R*>HFJ
MYX\?B<53TE!1QS551)*XCC4-([,>22?=:Z???NO=,\VWL!4YJCW)48/#S[BQ
M]++0T&?FQE%+FJ&BG\OFHZ/*/`U=34LWF?5&DBHVMKCD^[B60(8A(WA'B*FA
MX>7#R'[!Z=+X]UW2+;Y]IBW*==JE<.\(D<1.XI1FC!T,PH*,02*"AP.N&(VU
MMS;]!/BL#M_"83%U,U14U.-Q&*H,;05%15JJU<\]'100T\LU2J@2.REG`%R?
M>WFED8/)*S./,DD\:\3\\_;U:_W?=MTN8[W<]TN+F\1559)9'D=57*J&=BP"
MDDJ`:#RZ9L1UOUWM_P"__@.PMEX3^*T,N,RG\(VM@\;_`!+&S_Y_'U_V5##]
MY0S6]<4FJ-OR/;DEY=RZ/%NI&TD$59C0C@14X(\NC"^YMYKW3Z;]Y\S;A<^!
M()(_%N9I/#D7@Z:W.EQY,M&'D>NL;UMUUAJ7*T.(V#LK%46<I10YNCQNU<%0
MTN8H@)`*/*T]+010Y"E`F?\`;F#IZCQR??GN[N0HTEU(S+\)+$T^RIQ^77KO
MF[FN_FLKF_YGW&>XMGUPM)<S.T3X[HV9R4;`[E(.!G'3C2[-VA0UN)R-%M7;
M='D,#C?X-@Z^EP>,IZW"XC3(O\*Q-5%2I/CL;IE<>"%DBLQ]/)]T:>=@ZM,Y
M5C4@DY.,GU.!GY#TZ23;_OMS;WUI<;U=R6MS-XLR--(R2RX/B2J6(DDJ!WL"
MV!G'4G$;9VYM_'S8G`[?PF$Q=3-45%1C<1BJ#&X^>>K4+5SS4=%!#3RS5*J!
M(S*6<#DGWIYI9&#R2LSCS))/KQ/SSTU?;ONVZ74=]N>Z7%S>HJJLDLCR.JKE
M0'=BP"GX0#0>73-B.M^N]OBO&!V%LO"#*T,N,R@Q&UL'C1DL;/\`Y_'UXHZ&
M'[RAF_MQ2:HV_(]N/>7<N@R74C:2"*LQH1P(J<$>71A?<V\U[H;4[GS-N%P8
M)!)'XMS-)X<B\'36YT./)EHP\CUUC>MNNL-296@Q&P=E8JASM**'-T6-VK@J
M&DS%$HD"T>5IZ6@BAR%*!,]HY@Z>H\<GWY[R[D*-)=2,R_#5B:?94X_+KUWS
M=S9?SV5S?<S[C-<VSZX7DN9G:)\=T;,Y*-@=RD'`SCIQ@V;M"EJL)74VU-MT
MU;MJB?&[<K(,%BX:K`8Z2)X)*#"5$=*LV*HGAD9#%`8T*L018GW0SSD2*9G(
M<]V3G@<^N0./H.DLO,&_30[C;3;W=O;WD@DG5II"L[@@AYE+4D<$`AG#&H!K
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MCU-AV3LRFEP,]/M';%/-M:*:#;$T.`Q44NW(*@%:B'`R1TBOB(IU-G6G,88?
M6_NGU$Y$BF9]+?%DY^WU_/I/)S%S!*FY1R[[>-'>D&X!FD(G*_"9@6I*1Y%]
M1'EU.P^W=O[>%>,!@L-@QE*Z7)Y,8?&46,&1R51;SY"O^R@@^[KIK#7+)JD:
MW)/O3RRRZ?$D9J"@J2:#T%>`Z2W^Z[INGTW[SW*XN?!C$<?BR/)X<:\$363I
M0>2K11Y#IFQ'7/7NWZZ?)X'8FS<)DJJ"HI:G(8C:^$QM=44U6RO5T\]71T,-
M1-!4N@,B,Q5R`2#[<DN[N50DMU(R`U`+$@'UH3T8WW-G-.Z6T=GN?,NX7%HC
M*RI+<32(K+A6"NY4%:G20*CRZXX?K?KO;QKC@-A;+P9RE#+C,F</M;!XPY'&
MSV,^/KC14,'W=#-8:XI-4;6Y'OTEY=RZ?%NI&TD$59C0C@14X(\NMW_-O->Z
M_3#<^9MPN1#()(_%N9I-$B\'36YTN/)EHP\CU+AV-LJG7`)3[/VM`NU'J)-K
M+#M_$Q+MIZMUDJGP`2D489ZF10TAI_&7(!-_=?J)Z./'>C4KDYH*"N<T&!7@
M,=,2<R<PRG<S+OUZQO0HN*SRGZ@***)JM^J%!(77JH,#IQQ6W=OX*;)U&$P6
M'P]1FJV3)9F?%8RBQ\V6R,I9I<ADY:2"%Z^MD9V+2REY"2;GGW5Y99`HDD9@
MHH*DF@X4%>`H!^SI)>[KNFY1V<6X[E<7$5O&(XA)([B*,4`2,,2$0`"BK0"@
MQTSXKKS8&"RLF=PFQMGX;.3?<^7,XK;.%Q^5E^\8M6>3(TE%#5O]VQO)=SY#
M^J_MQ[NZE0127,C1CR+$C]A-.E][S5S1N5DFV[CS)?W&W+II%)<2O&-'PT1G
M*C3^'&/*G6/#];]>;=J*FKV_L+9>"JZVDGQ]958?:V#QE15T%4R/4T53-14,
M$D])4/&I>-R4<J"0;#WN2\NY@%ENI&4&H!9C0^N3QSQZO?\`-O->ZQ0P;IS-
MN%S!'('19;F:15=:A74.Y"LH)HPH14T.>I$&P]C4T&"I:;9FTZ>FVO52UVV:
M>#;N'B@V[73S?<SUF"ACHUCQ%5-4?N/)3B-V?U$WY]T-Q<$N3.]6%#W'(`H`
M<Y%,9\L=,R<S<R32;E-+S!?-->($N&,\I,Z*-*I,2]95"]H5]0`P!3ITQNWL
M!AJO*U^(P>'Q5=G:E:W.5N-QE%0U>9K%\FFKRM32P139&I7S/:29G<:CSR?=
M&ED<*KR,57@"2:<!CTP!^P=([O==TOX+*VO]RGGMK9-$*22.ZQ)CMC5B0BX'
M:H`P,8Z9\?U[L'$9I]R8K8^S\9N*26KGDSV/VSA:+-235_D^^F?*4U%'7-+6
M^5_*QDO)J.J]S[=>[NI(Q#)<R-$!\)8D8X8K3R'2^ZYJYGOMO7:;WF._FVH*
MH$+W$KQ`)30!&SE*)0:12BT%*4ZXXCKKK[;^0FRV!V)LW"96HBJ(*C)8C;&$
MQN0G@JV#U<,U91T,-3+%4LH,BLQ#D<W]^DN[J50DMS(R`X!8D?L)ZW?<U\T[
MI:QV.Y\R[A<62,K+'+<32("N%(1W*@K^$@5'EUSAZ^V%3T>(Q\&R-H04&`R)
MR^!H8=M8:.CPF6,OF.4Q%,E$L.-R)F&OSPJDNKG5?WHW5R6=S</K84)U&I'"
MA-<BA(H>JR<T\S2SWUU+S'?M=747A3.;B4M-'2GARL7K(E,:')6F*4Z=J#;N
MW\5D,KE\7@L-C<KG9(9LYDZ#&45'D,S+3B1:>7*UM/!'4Y&2`2L$:9G*AC:U
MS[HTLKHD;R,47@"20.'`>7`</0=(;K==TO;6RL;S<KB:RM@1#&\CND0:FH1H
MQ*H#05"@5H*\.GGVWT@Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[K
MWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=
M>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KW
MOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>
MZ][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWO
MW7NO>_=>Z][]U[I&;ZZYZ][1P8VQV9L39G8NVA6TV2&WM];7PF[L&,C1B5:3
M(#$[@H<A0"MI5F<1R^/R(';21<^_=>Z5T$$%+!#2TL,5-34T4<%/3P1I#!!!
M"@CBAABC"QQ111J%55`"@6''OW7NO__5W^/?NO=>]^Z]U[W[KW7O?NO=>]^Z
M]U[W[KW7O?NO=>]^Z]U[W[KW6.::&GBDGGEC@AB0O+-,ZQQ1HHNSR2.51$4?
M4D@#W[KW6*2MHX34B:KIHC1TRUE8))XD-)2/Y]%54ZG'@IF^UEL[64^-N?2;
M>Z]U(9E169F"JH+,S$!54"Y9B;```<GW[KW4&#*XNJ6G:FR5!4+5RRP4C05E
M/,M5-!&\L\-.8Y&$TL,4;,ZK<JJDG@'W[KW4_P!^Z]U[W[KW7O?NO=>]^Z]U
M[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?N
MO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[
MW[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO
M=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W
M[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=
M>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[
MKW7O?NO=>]^Z]U[W[KW7O?NO=?_6W^/?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W
M[KW7O?NO=>]^Z]U[W[KW5?/\R2?&8[I'9&X=RX[`[FV-MCN[8>;W]U[N[*S[
M=V7V9M@4&YL:-F[QW148K*;.VU@3GLE0Y(U6Y32X%ZC'1033QS34^KW5EX]4
M\8_)[2QN9[/Q7;&S-M;FJMK=/]?[(J=S'LB;`93M',3;=Z+3<W=_?-'W!U?7
MS[3[`I]QU]`W5^V^S*.'9*8_&5Y1JBJK\C'0ZZN?]7\^@V[DVKVO1=;]D9C=
M79>R,WO*3^7WUML;,[$K<5W[BIX/A']GMG#=?=[2=B;DV748`;Q7N;'9',97
M:N1V_+G6_B-9!DYUQ\31)[K8I48Q7^?4[Y#TF-S6[/CP^UJC8^SY/[@;HQ^R
M(<+N7I/*4$6\(?F1U1D?[P8L_&GJO*;>KWK*G10Y2EZG>C[*2F#_`,3_`,D9
MJR/9^?7EX&O^K_5\\=;9'OW3/7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7
MO?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z
M]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O
M?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]
MU[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?
MNO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U
M[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?N
(O=>]^Z]U_]D_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>28
<FILENAME>g915197dsp374.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g915197dsp374.jpg
M_]C_X0O)17AI9@``34T`*@````@`"`$2``,````!``$```$:``4````!````
M;@$;``4````!````=@$H``,````!``(```$Q``(````>````?@$R``(````4
M````G`$[``(````)````L(=I``0````!````O````.@`+<;````G$``MQL``
M`"<0061O8F4@4&AO=&]S:&]P($-3-B`H5VEN9&]W<RD`,C`Q-3HP-3HP,B`P
M-3HR-SHS-`!R<C$S-3DP,P```````Z`!``,````!__\``*`"``0````!```!
M1*`#``0````!````.P`````````&`0,``P````$`!@```1H`!0````$```$V
M`1L`!0````$```$^`2@``P````$``@```@$`!`````$```%&`@(`!`````$`
M``I[`````````$@````!````2`````'_V/_M``Q!9&]B95]#30`!_^X`#D%D
M;V)E`&2``````?_;`(0`#`@("`D(#`D)#!$+"@L1%0\,#`\5&!,3%1,3&!$,
M#`P,#`P1#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`$-"PL-#@T0#@X0
M%`X.#A04#@X.#A01#`P,#`P1$0P,#`P,#!$,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`P,#`P,_\``$0@`'0"@`P$B``(1`0,1`?_=``0`"O_$`3\```$%`0$!
M`0$!``````````,``0($!08'"`D*"P$``04!`0$!`0$``````````0`"`P0%
M!@<("0H+$``!!`$#`@0"!0<&"`4###,!``(1`P0A$C$%05%A$R)Q@3(&%)&A
ML4(C)!52P6(S-'*"T4,')9)3\.'Q8W,U%J*R@R9$DU1D1<*C=#87TE7B9?*S
MA,/3=>/S1B>4I(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]C='5V=WAY>GM\?7
MY_<1``("`0($!`,$!08'!P8%-0$``A$#(3$2!$%187$B$P4R@9$4H;%"(\%2
MT?`S)&+A<H*20U,58W,T\24&%J*R@P<F-<+21)-4HQ=D154V=&7B\K.$P]-U
MX_-&E*2%M)7$U.3TI;7%U>7U5F9VAI:FML;6YO8G-T=79W>'EZ>WQ__:``P#
M`0`"$0,1`#\`M_6_ZX=6Z'U=N%AUX]E;Z&WN=>RRQ^ZQ]P=[FWU>W]'[?:LK
M%^OWUNS=QPL#'RA7],TXU]@;_6->2[W?R%8^MN%9G_7G&PZ:V6W68`=4RUGJ
M,<ZHYF1L](N8Q[GLJ>ROU/T6_P"FLJOI6;UJ[(QK;O4MZ8YM;Z;#:*ZKC5D9
M-N-372\5T?9G8-^*ZW&Q?TF1Z?H5>C9ZBL1$.$6!=66,F7$==$__`(Y?UBW%
MOHX0<TPYIIM!!\'-^U;FKTKZIYMW4.DXV=<&MLR\>J^QC-P8'N]1KO38]UFS
M^;;^<O,NH],SSTM^;E7LR\.MK'5Y-M=C[&UVX_VS!OHR,@NRO0RK?\FUL]7T
M6=0_1+T7ZA_^)KIO_A*C\MR9D$>$&(ZIC=FWHTER'U7ZKU7J;PW*Z@YMF*W)
M=Z+JZ@[*`OMQ:LG]'6S]5P?290^O&^SY/VK^F>E2_%^U*CZR];LZ?T[++6M=
MU!_3VN)QG"L#,#W9'V6S[3^F]']']-OZ#_"?:/5_1Q+WKTERU?7.N69S,/:6
MDXV-D$_9'>HUV3DW8L9-'VS]"RC'J8^[])_W(R/^ZRM?57J_4^K8U&7F`,;?
MB59!:*'5LWVFSVX]SK[O596RO](QU?\`A<>WU/TWII*=])<?]9NK];P,_/.#
M;=Z.)CX>5.RE^/2U]N57F69K-O[1MQ/L^)O?]A];(K_2_P`TAY'UMZY4_JH9
M72X8#.HVMW5O8!7AAAQ7AYM=]M=98_T,RNCT_1WUW/\`LOZ&K,2GM$EB]2SN
ML469C<'TKWX6/CY(H>TM-H<[*;EU-M#_`-';;5B_JC_3].N_^>]2K^;S[OK#
MU@CI]](;Z'5&9633570ZV]M%5+<G!;M^T5-=DW_2M;_I+Z\3_!_:;4IZI)<V
M,WZRV]5=TVO)Q&O^S-RA8[&L+1NM?CFIS!F;O94S?_.?S_\`P:%^VNNBO%M-
MM#FY74[>G%K<=Y<UM-N;CNO#OM6W=8S#J?\`S?Z+]-_.)*>I26%F]6S:?JTV
M\%PZOFU^E@U^D*[/M5K7.Q:GXMME[*K*?IY7JW^C5Z-]C_T2#]6\[J74^F6U
M.L?4XU^S+<6NMHO>;=_3[*;:V^MD=)VU?:+;V?IK?T?H_P`XDIZ-)<%A_6GK
M%VW'LMN]?*Q10"&5;J>I8CMG6ZJJA2[U/U=_VZIMWJ4_H+ZZ/W&7,SZV=4P>
MGX/4'BBX=6PW9%-,.:*+#Z+Z'76[W>K@4UY3&YM^UGZ7]-^BKR/0QTI[%)<S
ME]9ZQB=9Q^C>I5:Z]^/NRO2(AE]>>ZQGI"[^=;?TS?2_?_1KO3LKLMQ_M%H&
M?6?JHO:,CT68M&6>GY&6RM[J79`M8QOJ1:^W"Q\BFWT*[OUFO&ZIZE&7;Z=-
M?VI*?__0K_7S*9B?6IESFO<3TYM0]-U;3ML?E57!WVBC+9MLI=95_-_G_P`X
ML7_G&?4=:/M8N>&!UPOH%I-3'8U%GVC]G^MZ]-%ME5>3ZGVG8_\`G5Z7U(?5
M'[1_EAV$,F#L^WMP_5]+>_T]OVEWJ>C]/TE5C_%S^]T;_-P/_)J:,P(@&).B
MPQ))(E3YJ[J.*<4XC:\MM.QK&UG*:6`5NLNQFNK^RMWLHOOMN8S=_A%Z[]1/
M_$UTT?\`=*C\MRS(_P`7/[W1O\W`_P#)KH^B?8O1/V$M.-L9Z'I"H4^E[MGV
M;[*75^GO]3^VADE8^4C548UUM(SH71ZVT,KQ*F#$+SC;6P:C;_/^B1_->O\`
MX;9_._X11'U>Z(-L8=7Z/T_3TU9Z6XXXI_T/H.>[T?2_FOS%HI*)>U,;I/3L
M2SU<;'9386&LV,$.+'/=>YKG_2=NOMLN_P"-LLL5<_5OHFUC68K*A4:S46#:
M6"FQN7573_H:O7K99Z=.Q::22FE?T;I63>[(R,6NZU^W>Y[0[=Z>M.\.]K_1
M=[ZMW\U9^D9[TW[#Z/+C]CIEUME[O8-;;FFK)M=_*R*G>G?_`*9G\XKR22FI
MC])Z=C8UF+10UE%K=EC-3N:&^DVMQ=+O395^BK9_@ZOT=:@_HO2GMQV.QF1A
ML->+`@U,<!6^NAS?=4QU;?3]G^#_`$:O))*:E73>FXMK<FFBNFRF@8S+&@-V
MT,]S,=O[M%?[BR[+?J]^RF9CL4_9_M9=2QS=C_M+['8[<AOJNK]"V^UV]F1;
M93_/_P##+2ZS]D_9M_VW?]D@?:-D_P`UN;ZWJ;?\!Z?])_[K^JLN[]E_LC*^
MR^O^S_6O^U>AZ6S9M?\`;?Z3^B^Q_P`Y_,_I/5_FDE+Y5_U=9TVS#NQ)Q\,E
M]V,&M#JK`UF;N;[VN?D[\JG]/AON_6LG]);_`(1'PF_5['SFVX.+57G9)&+<
MZEK-[-M=F3MR'5N_[K^DZQGJ>I:RJO\`P7Z.DX=*-U/H.O:\7,-6YNZ:_6Z;
MO;5[F.;3ZG[.]^1^E^S^KZ2-T3]D[\/['ZVR+_LV_P!/;MC'_G?2_2>KZ7I>
MA]I_7_3];[2DIM5YO10&Y+JJ\?';<]^-EO;6QEES_59D7XWN];<YOK^KD^G7
MZU#[+_4MQ_TJ'77]4:;;JF?8VO<RVBZLEA`K)LMR\?8[V54.?3DV9-+?T7JT
MY'J_I*K51;^Q_L>+N^U_8O3L^S[MFW]G_H/6W?X7]G?T3^>_REZ7_=?[0EGC
MHYP;ANO;9Z3]Q<-SX]*[[1[7NKJ^T.I_:?\`.N]/[9]K24W:\?ZJEM(9]G)N
MMFAVZ7NMJ`QF.;9N]7?16YF-4_=^BKLKHJ_G5+'J^J;Q39BC##:?393Z6P-C
MU&OQ&[*X98S[7D5W8G_=FZN^C]+[U1_R3ZKI^W>IM?\`:XB?5G-V?:-G^']3
M[9]C]#]4_H7I?]YJ-0.E_MO'+'61%_HM(/I^M&/#GOW?]PO3_9K/3]/T?M/^
M$]))3__9_^T3\%!H;W1O<VAO<"`S+C``.$))300$``````!6'`%:``,;)4<<
M`@```JV<'`)0``AR<C$S-3DP,QP"!0`U36EC<F]S;V9T(%=O<F0@+2!%>&AI
M8FET(#DY+C(@4&5O<&QE<R!0<F]X>2!#87)D+F1O8W@X0DE-!"4``````!`/
M1,FEULF6!IOR,%L^ODBB.$))300Z``````#E````$`````$```````MP<FEN
M=$]U='!U=`````4`````4'-T4V)O;VP!`````$EN=&5E;G5M`````$EN=&4`
M````0VQR;0````]P<FEN=%-I>'1E96Y":71B;V]L``````MP<FEN=&5R3F%M
M951%6%0````!```````/<')I;G10<F]O9E-E='5P3V)J8P````P`4`!R`&\`
M;P!F`"``4P!E`'0`=0!P```````*<')O;V93971U<`````$`````0FQT;F5N
M=6T````,8G5I;'1I;E!R;V]F````"7!R;V]F0TU92P`X0DE-!#L``````BT`
M```0`````0``````$G!R:6YT3W5T<'5T3W!T:6]N<P```!<`````0W!T;F)O
M;VP``````$-L8G)B;V]L``````!29W--8F]O;```````0W)N0V)O;VP`````
M`$-N=$-B;V]L``````!,8FQS8F]O;```````3F=T=F)O;VP``````$5M;$1B
M;V]L``````!);G1R8F]O;```````0F-K9T]B:F,````!````````4D="0P``
M``,`````4F0@(&1O=6)`;^````````````!'<FX@9&]U8D!OX```````````
M`$)L("!D;W5B0&_@````````````0G)D5%5N=$8C4FQT````````````````
M0FQD(%5N=$8C4FQT````````````````4G-L=%5N=$8C4'AL0'+`````````
M```*=F5C=&]R1&%T86)O;VP!`````%!G4'-E;G5M`````%!G4',`````4&=0
M0P````!,969T56YT1B-2;'0```````````````!4;W`@56YT1B-2;'0`````
M``````````!38VP@56YT1B-0<F-`60```````````!!C<F]P5VAE;E!R:6YT
M:6YG8F]O;``````.8W)O<%)E8W1";W1T;VUL;VYG``````````QC<F]P4F5C
M=$QE9G1L;VYG``````````UC<F]P4F5C=%)I9VAT;&]N9P`````````+8W)O
M<%)E8W14;W!L;VYG```````X0DE-`^T``````!`!+`````$``@$L`````0`"
M.$))300F```````.`````````````#^````X0DE-!`T```````0```!X.$))
M3009```````$````'CA"24T#\P``````"0```````````0`X0DE-)Q``````
M``H``0`````````".$))30/U``````!(`"]F9@`!`&QF9@`&```````!`"]F
M9@`!`*&9F@`&```````!`#(````!`%H````&```````!`#4````!`"T````&
M```````!.$))30/X``````!P``#_____________________________`^@`
M````_____________________________P/H`````/__________________
M__________\#Z`````#_____________________________`^@``#A"24T$
M"```````$`````$```)````"0``````X0DE-!!X```````0`````.$))300:
M``````-;````!@``````````````.P```40````3`#D`,0`U`#$`.0`W`%\`
M,``P`#$`7P!P`&$`<@!T`%\`-``M`#,````!````````````````````````
M``$``````````````40````[``````````````````````$`````````````
M````````````$`````$```````!N=6QL`````@````9B;W5N9'-/8FIC````
M`0```````%)C=#$````$`````%1O<"!L;VYG``````````!,969T;&]N9P``
M````````0G1O;6QO;F<````[`````%)G:'1L;VYG```!1`````9S;&EC97-6
M;$QS`````4]B:F,````!```````%<VQI8V4````2````!W-L:6-E241L;VYG
M``````````=G<F]U<$E$;&]N9P`````````&;W)I9VEN96YU;0````Q%4VQI
M8V5/<FEG:6X````-875T;T=E;F5R871E9`````!4>7!E96YU;0````I%4VQI
M8V54>7!E`````$EM9R`````&8F]U;F1S3V)J8P````$```````!28W0Q````
M!`````!4;W`@;&]N9P``````````3&5F=&QO;F<``````````$)T;VUL;VYG
M````.P````!29VAT;&]N9P```40````#=7)L5$585`````$```````!N=6QL
M5$585`````$```````!-<V=E5$585`````$```````9A;'1486=415A4````
M`0``````#F-E;&Q497AT27-(5$U,8F]O;`$````(8V5L;%1E>'1415A4````
M`0``````"6AO<GI!;&EG;F5N=6T````/15-L:6-E2&]R>D%L:6=N````!V1E
M9F%U;'0````)=F5R=$%L:6=N96YU;0````]%4VQI8V5697)T06QI9VX````'
M9&5F875L=`````MB9T-O;&]R5'EP965N=6T````115-L:6-E0D=#;VQO<E1Y
M<&4`````3F]N90````ET;W!/=71S971L;VYG``````````IL969T3W5T<V5T
M;&]N9P`````````,8F]T=&]M3W5T<V5T;&]N9P`````````+<FEG:'1/=71S
M971L;VYG```````X0DE-!"@```````P````"/_`````````X0DE-!!$`````
M``$!`#A"24T$%```````!`````(X0DE-!`P`````"I<````!````H````!T`
M``'@```V8```"GL`&``!_]C_[0`,061O8F5?0TT``?_N``Y!9&]B90!D@```
M``'_VP"$``P("`@)"`P)"0P1"PH+$14/#`P/%1@3$Q43$Q@1#`P,#`P,$0P,
M#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P!#0L+#0X-$`X.$!0.#@X4%`X.
M#@X4$0P,#`P,$1$,#`P,#`P1#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,
M#/_``!$(`!T`H`,!(@`"$0$#$0'_W0`$``K_Q`$_```!!0$!`0$!`0``````
M```#``$"!`4&!P@)"@L!``$%`0$!`0$!``````````$``@,$!08'"`D*"Q``
M`00!`P($`@4'!@@%`PPS`0`"$0,$(1(Q!4%181,B<8$R!A21H;%"(R054L%B
M,S1R@M%#!R624_#A\6-S-1:BLH,F1)-49$7"HW0V%])5XF7RLX3#TW7C\T8G
ME*2%M)7$U.3TI;7%U>7U5F9VAI:FML;6YO8W1U=G=X>7I[?'U^?W$0`"`@$"
M!`0#!`4&!P<&!34!``(1`R$Q$@1!46%Q(A,%,H&1%*&Q0B/!4M'P,R1BX7*"
MDD-3%6-S-/$E!A:BLH,')C7"TD235*,79$55-G1EXO*SA,/3=>/S1I2DA;25
MQ-3D]*6UQ=7E]59F=H:6IK;&UN;V)S='5V=WAY>GM\?_V@`,`P$``A$#$0`_
M`+?UO^N'5NA]7;A8=>/96^AM[G7LLL?NL?<'>YM]7M_1^WVK*Q?K]];LW<<+
M`Q\H5_3-.-?8&_UC7DN]W\A6/K;A69_UYQL.FMEMUF`'5,M9ZC'.J.9D;/2+
MF,>Y[*GLK]3]%O\`IK*KZ5F]:NR,:V[U+>F.;6^FPVBNJXU9&3;C4UTO%='V
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M`S`]V1]EL^T_IO1_1_3;^@_PGVCU?T<2]Z])<M7USKEF<S#VEI.-C9!/V1WJ
M-=DY-V+&31]L_0LHQZF/N_2?]R,C_NLK7U5ZOU/JV-1EY@#&WXE606BAU;-]
MIL]N/<Z^[U65LK_2,=7_`(7'M]3]-Z:2G?27'_6;J_6\#/SS@VW>CB8^'E3L
MI?CTM?;E5YEF:S;^T;<3[/B;W_8?6R*_TO\`-(>1];>N5/ZJ&5TN&`SJ-K=U
M;V`5X88<5X>;7?;766/]#,KH]/T=]=S_`++^AJS$I[1)8O4L[K%%F8W!]*]^
M%CX^2*'M+3:'.RFY=3;0_P#1VVU8OZH_T_3KO_GO4J_F\^[ZP]8(Z??2&^AU
M1F5DTU5T.MO;152W)P6[?M%379-_TK6_Z2^O$_P?VFU*>J27-C-^LMO57=-K
MR<1K_LS<H6.QK"T;K7XYJ<P9F[V5,W_SG\__`,&A?MKKHKQ;3;0YN5U.WIQ:
MW'>7-;3;FX[KP[[5MW6,PZG_`,W^B_3?SB2GJ4EA9O5LVGZM-O!<.KYM?I8-
M?I"NS[5:USL6I^+;9>RJRGZ>5ZM_HU>C?8_]$@_5O.ZEU/IEM3K'U.-?LRW%
MKK:+WFW?T^RFVMOK9'2=M7VBV]GZ:W]'Z/\`.)*>C27!8?UIZQ=MQ[+;O7RL
M44`AE6ZGJ6([9UNJJH4N]3]7?]NJ;=ZE/Z"^NC]QES,^MG5,'I^#U!XHN'5L
M-V133#FBBP^B^AUUN]WJX%->4QN;?M9^E_3?HJ\CT,=*>Q27,Y?6>L8G6<?H
MWJ56NO?C[LKTB(9?7GNL9Z0N_G6W],WTOW_T:[T[*[+<?[1:!GUGZJ+VC(]%
MF+1EGI^1ELK>ZEV0+6,;ZD6OMPL?(IM]"N[]9KQNJ>I1EV^G37]J2G__T*_U
M\RF8GUJ9<YKW$].;4/3=6T[;'Y55P=]HHRV;;*765?S?Y_\`.+%_YQGU'6C[
M6+GA@=<+Z!:34QV-19]H_9_K>O31;957D^I]IV/_`)U>E]2'U1^T?Y8=A#)@
M[/M[</U?2WO]/;]I=ZGH_3])58_Q<_O=&_S<#_R:FC,"(!B3HL,222)4^:NZ
MCBG%.(VO+;3L:QM9RFE@%;K+L9KJ_LK=[*+[[;F,W?X1>N_43_Q-=-'_`'2H
M_+<LR/\`%S^]T;_-P/\`R:Z/HGV+T3]A+3C;&>AZ0J%/I>[9]F^REU?I[_4_
MMH9)6/E(U5&-=;2,Z%T>MM#*\2I@Q"\XVUL&HV_S_HD?S7K_`.&V?SO^$41]
M7NB#;&'5^C]/T]-6>EN..*?]#Z#GN]'TOYK\Q:*2B7M3&Z3T[$L]7&QV4V%A
MK-C!#BQSW7N:Y_TG;K[;+O\`C;++%7/U;Z)M8UF*RH5&LU%@VE@IL;EU5T_Z
M&KUZV6>G3L6FDDII7]&Z5DWNR,C%KNM?MWN>T.W>GK3O#O:_T7>^K=_-6?I&
M>]-^P^CRX_8Z9=;9>[V#6VYIJR;7?RLBIWIW_P"F9_.*\DDIJ8_2>G8V-9BT
M4-91:W98S4[FAOI-K<72[TV5?HJV?X.K]'6H/Z+TI[<=CL9D8;#7BP(-3'`5
MOKH<WW5,=6WT_9_@_P!&KR22FI5TWIN+:W)IHKILIH&,RQH#=M#/<S';^[17
M^XLNRWZO?LIF8[%/V?[674L<W8_[2^QV.W(;ZKJ_0MOM=O9D6V4_S_\`PRTN
ML_9/V;?]MW_9('VC9/\`-;F^MZFW_`>G_2?^Z_JK+N_9?[(ROLOK_L_UK_M7
MH>ELV;7_`&W^D_HOL?\`.?S/Z3U?YI)2^5?]76=-LP[L2<?#)?=C!K0ZJP-9
MF[F^]KGY._*I_3X;[OUK)_26_P"$1\)OU>Q\YMN#BU5YV21BW.I:S>S;79D[
M<AU;O^Z_I.L9ZGJ6LJK_`,%^CI.'2C=3Z#KVO%S#5N;NFOUNF[VU>YCFT^I^
MSO?D?I?L_J^DC=$_9._#^Q^MLB_[-O\`3V[8Q_YWTOTGJ^EZ7H?:?U_T_6^T
MI*;5>;T4!N2ZJO'QVW/?C9;VUL99<_U69%^-[O6W.;Z_JY/IU^M0^R_U+<?]
M*AUU_5&FVZIGV-KW,MHNK)80*R;+<O'V.]E5#GTY-F32W]%ZM.1ZOZ2JU46_
ML?['B[OM?V+T[/L^[9M_9_Z#UMW^%_9W]$_GO\I>E_W7^T)9XZ.<&X;KVV>D
M_<7#<^/2N^T>U[JZOM#J?VG_`#KO3^V?:TE-VO'^JI;2&?9R;K9H=NE[K:@,
M9CFV;O5WT5N9C5/W?HJ[*Z*OYU2QZOJF\4V8HPPVGTV4^EL#8]1K\1NRN&6,
M^UY%=V)_W9NKOH_2^]4?\D^JZ?MWJ;7_`&N(GU9S=GVC9_A_4^V?8_0_5/Z%
MZ7_>:C4#I?[;QRQUD1?Z+2#Z?K1CPY[]W_<+T_V:ST_3]'[3_A/224__V0`X
M0DE-!"$``````%4````!`0````\`00!D`&\`8@!E`"``4`!H`&\`=`!O`',`
M:`!O`'`````3`$$`9`!O`&(`90`@`%``:`!O`'0`;P!S`&@`;P!P`"``0P!3
M`#8````!`#A"24T$!@``````!P`(`````0$`_^$1BVAT='`Z+R]N<RYA9&]B
M92YC;VTO>&%P+S$N,"\`/#]X<&%C:V5T(&)E9VEN/2+ON[\B(&ED/2)7-4TP
M37!#96AI2'IR95-Z3E1C>FMC.60B/SX@/'@Z>&UP;65T82!X;6QN<SIX/2)A
M9&]B93IN<SIM971A+R(@>#IX;7!T:STB061O8F4@6$U0($-O<F4@-2XS+6,P
M,3$@-C8N,30U-C8Q+"`R,#$R+S`R+S`V+3$T.C4V.C(W("`@("`@("`B/B`\
M<F1F.E)$1B!X;6QN<SIR9&8](FAT='`Z+R]W=W<N=S,N;W)G+S$Y.3DO,#(O
M,C(M<F1F+7-Y;G1A>"UN<R,B/B`\<F1F.D1E<V-R:7!T:6]N(')D9CIA8F]U
M=#TB(B!X;6QN<SID8STB:'1T<#HO+W!U<FPN;W)G+V1C+V5L96UE;G1S+S$N
M,2\B('AM;&YS.GAM<#TB:'1T<#HO+VYS+F%D;V)E+F-O;2]X87`O,2XP+R(@
M>&UL;G,Z<&1F/2)H='1P.B\O;G,N861O8F4N8V]M+W!D9B\Q+C,O(B!X;6QN
M<SIX;7!-33TB:'1T<#HO+VYS+F%D;V)E+F-O;2]X87`O,2XP+VUM+R(@>&UL
M;G,Z<W1%=G0](FAT='`Z+R]N<RYA9&]B92YC;VTO>&%P+S$N,"]S5'EP92]2
M97-O=7)C945V96YT(R(@>&UL;G,Z<W12968](FAT='`Z+R]N<RYA9&]B92YC
M;VTO>&%P+S$N,"]S5'EP92]297-O=7)C95)E9B,B('AM;&YS.G!D9G@](FAT
M='`Z+R]N<RYA9&]B92YC;VTO<&1F>"\Q+C,O(B!X;6QN<SIP:&]T;W-H;W`]
M(FAT='`Z+R]N<RYA9&]B92YC;VTO<&AO=&]S:&]P+S$N,"\B(&1C.F9O<FUA
M=#TB:6UA9V4O:G!E9R(@>&UP.D-R96%T941A=&4](C(P,34M,#4M,#%4,38Z
M-#,Z-34M,#4Z,#`B('AM<#I#<F5A=&]R5&]O;#TB5&]O;&MI="!H='1P.B\O
M=W=W+F%C=&EV97!D9BYC;VTB('AM<#I-971A9&%T841A=&4](C(P,34M,#4M
M,#)4,#4Z,C<Z,S0K,#4Z,S`B('AM<#I-;V1I9GE$871E/2(R,#$U+3`U+3`R
M5#`U.C(W.C,T*S`U.C,P(B!P9&8Z4')O9'5C97(](E1O;VQK:70@:'1T<#HO
M+W=W=RYA8W1I=F5P9&8N8V]M(B!X;7!-33I$;V-U;65N=$E$/2)X;7`N9&ED
M.D-%-C<V0T5&-4-&,$4T,3$X-D$Q.#@Y.#DR144V1$8U(B!X;7!-33I);G-T
M86YC94E$/2)X;7`N:6ED.D-&-C<V0T5&-4-&,$4T,3$X-D$Q.#@Y.#DR144V
M1$8U(B!X;7!-33I/<FEG:6YA;$1O8W5M96YT240](G5U:60Z93(Q.3,S,&(M
M9#,U92TT-V,P+6%A96$M,SAB,C8R8F9C835C(B!P9&9X.D%05$M615(](C4N
M-2XP+C$U,#(X(%!R;R!0<F]D=6-T:6]N+3,R(B!P:&]T;W-H;W`Z0V]L;W)-
M;V1E/2(S(CX@/&1C.G1I=&QE/B`\<F1F.D%L=#X@/')D9CIL:2!X;6PZ;&%N
M9STB>"UD969A=6QT(CY-:6-R;W-O9G0@5V]R9"`M($5X:&EB:70@.3DN,B!0
M96]P;&5S(%!R;WAY($-A<F0N9&]C>#PO<F1F.FQI/B`\+W)D9CI!;'0^(#PO
M9&,Z=&ET;&4^(#QD8SIC<F5A=&]R/B`\<F1F.E-E<3X@/')D9CIL:3YR<C$S
M-3DP,SPO<F1F.FQI/B`\+W)D9CI397$^(#PO9&,Z8W)E871O<CX@/'AM<$U-
M.DAI<W1O<GD^(#QR9&8Z4V5Q/B`\<F1F.FQI('-T179T.F%C=&EO;CTB8V]N
M=F5R=&5D(B!S=$5V=#IP87)A;65T97)S/2)F<F]M(&%P<&QI8V%T:6]N+W!D
M9B!T;R!A<'!L:6-A=&EO;B]V;F0N861O8F4N<&AO=&]S:&]P(B\^(#QR9&8Z
M;&D@<W1%=G0Z86-T:6]N/2)S879E9"(@<W1%=G0Z:6YS=&%N8V5)1#TB>&UP
M+FEI9#I#138W-D-%1C5#1C!%-#$Q.#9!,3@X.3@Y,D5%-D1&-2(@<W1%=G0Z
M=VAE;CTB,C`Q-2TP-2TP,E0P-3HR-SHS-"LP-3HS,"(@<W1%=G0Z<V]F='=A
M<F5!9V5N=#TB061O8F4@4&AO=&]S:&]P($-3-B`H5VEN9&]W<RDB('-T179T
M.F-H86YG960](B\B+SX@/')D9CIL:2!S=$5V=#IA8W1I;VX](F-O;G9E<G1E
M9"(@<W1%=G0Z<&%R86UE=&5R<STB9G)O;2!A<'!L:6-A=&EO;B]P9&8@=&\@
M:6UA9V4O:G!E9R(O/B`\<F1F.FQI('-T179T.F%C=&EO;CTB9&5R:79E9"(@
M<W1%=G0Z<&%R86UE=&5R<STB8V]N=F5R=&5D(&9R;VT@87!P;&EC871I;VXO
M=FYD+F%D;V)E+G!H;W1O<VAO<"!T;R!I;6%G92]J<&5G(B\^(#QR9&8Z;&D@
M<W1%=G0Z86-T:6]N/2)S879E9"(@<W1%=G0Z:6YS=&%N8V5)1#TB>&UP+FEI
M9#I#1C8W-D-%1C5#1C!%-#$Q.#9!,3@X.3@Y,D5%-D1&-2(@<W1%=G0Z=VAE
M;CTB,C`Q-2TP-2TP,E0P-3HR-SHS-"LP-3HS,"(@<W1%=G0Z<V]F='=A<F5!
M9V5N=#TB061O8F4@4&AO=&]S:&]P($-3-B`H5VEN9&]W<RDB('-T179T.F-H
M86YG960](B\B+SX@/"]R9&8Z4V5Q/B`\+WAM<$U-.DAI<W1O<GD^(#QX;7!-
M33I$97)I=F5D1G)O;2!S=%)E9CII;G-T86YC94E$/2)X;7`N:6ED.D-%-C<V
M0T5&-4-&,$4T,3$X-D$Q.#@Y.#DR144V1$8U(B!S=%)E9CID;V-U;65N=$E$
M/2)X;7`N9&ED.D-%-C<V0T5&-4-&,$4T,3$X-D$Q.#@Y.#DR144V1$8U(B!S
M=%)E9CIO<FEG:6YA;$1O8W5M96YT240](G5U:60Z93(Q.3,S,&(M9#,U92TT
M-V,P+6%A96$M,SAB,C8R8F9C835C(B\^(#PO<F1F.D1E<V-R:7!T:6]N/B`\
M+W)D9CI21$8^(#PO>#IX;7!M971A/B`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M(#P_>'!A8VME="!E;F0](G<B/S[_[@`.061O8F4`9$`````!_]L`A``!`0$!
M`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`@("`@("
M`@("`@(#`P,#`P,#`P,#`0$!`0$!`0$!`0$"`@$"`@,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P/_P``1"``[`40#
M`1$``A$!`Q$!_]T`!``I_\0!H@````8"`P$`````````````!P@&!00)`PH"
M`0`+`0``!@,!`0$````````````&!00#!P((`0D`"@L0``(!`P0!`P,"`P,#
M`@8)=0$"`P01!1(&(0<3(@`(,11!,B,5"5%"%F$D,Q=2<8$88I$E0Z&Q\"8T
M<@H9P=$U)^%3-H+QDJ)$5'-%1C='8RA55E<:LL+2XO)D@W23A&6CL\/3XRDX
M9O-U*CDZ2$E*6%E:9VAI:G9W>'EZA8:'B(F*E)66EYB9FJ2EIJ>HJ:JTM;:W
MN+FZQ,7&Q\C)RM35UM?8V=KDY>;GZ.GJ]/7V]_CY^A$``@$#`@0$`P4$!`0&
M!@5M`0(#$00A$@4Q!@`B$T%1!S)A%'$(0H$CD152H6(6,PFQ),'10W+P%^&"
M-"624QAC1/&BLB8U&50V160G"G.#DT9TPM+B\E5E=58WA(6CL\/3X_,I&I2D
MM,34Y/25I;7%U>7U*$=79CAVAI:FML;6YO9G=X>7I[?'U^?W2%AH>(B8J+C(
MV.CX.4E9:7F)F:FYR=GI^2HZ2EIJ>HJ:JKK*VNKZ_]H`#`,!``(1`Q$`/P#9
M:^57RKZU^*^R.^ODK\H_D)\C]@]7;2^2M'T;@,7TQ%B\O38S^-[6VQD<#"FW
M%VKE<DQFK:NI,]4TK!2P``%O9QM5C=[K,ME9VL;3:217%0"`<U^?#IF]N(]O
M@6YN#2(BO^'UIZ'JM?\`Z"`/Y5@^OS,_F%_['8@_^U_[$(Y'YF9F4;9'4?,?
MY^B*;FC9"L;/=Z*UX5S]O'KW_00#_*L_[S,_F%?^@)_^C_W;^HG-'_1LC_:.
MF/ZT;#_T<&_GU[_H(!_E6?\`>9G\PK_T!/\`]'_OW]1.:/\`HV1_M'7OZT;#
M_P!'!OY]>_Z"`?Y5G_>9G\PK_P!`3_\`1_[]_43FC_HV1_M'7OZT;#_T<&_G
MU[_H(!_E66X^9G\PO_8;#!/^P_XQ_P"Z/R-S,GAZMMC[FH,CC^WK;<U;"D7B
M&_;36GGT=#XX_.GHCYF]3=I]Q_#GY0_+/=J]#=D]-;6W93=JT>+V_@ZNJ[!W
M?@:;^&G%UVRJ&IS%%48*KG$QCDC,+LO-_9'ONR;GL5Q':[G;+&["HIFOY_F.
MCJPO+._B\>SN#(I^9Q^1QY'J_47_`#_4_P!?I<V^O^'LCZ7]=^_=>Z][]U[K
MWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=
M>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KW
MOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO_]"Q
MW_A0Z!_PV'\IN!S_`#(^N/\`>-H[2_WGV-?;Y%'-5DH':ZG5\_M_8/V=!+G>
M61N7;S4Y.@@+\AQQ^9/[>M!]0Q-EU$\V47)L/\!<FWO(^)&D:4AZ4/4,DQ0Q
M04BJS+]O741DJ*ZCQE+'45N3KW"46)QU-/D,O7$L%*4&+I$FKJJ8WLH2-B6_
M!]UGN;>VBD>23X1T]!:7%S(B11?$?3'"O1U-O?RY_G/N?9:;YQ?QLWPF/GI?
MO<+@<V^$VWV)O''IJ:;+;0ZWSN5H-TYO&P0C5*WAA(`U*AN`2P[[8`']0]&8
MV&_)4:%S_+_5\NB>9S$9K:^>J=J[JPF=VINBC=XZO;6Z<+E-N9^GDC8K(LF'
MS5+19`!&!%Q&1QP3[7"X64`I.N17M.>D!MWA8Z[<X_B`I_+IO(;2QY]-_P`V
ML1]=5[%""/S:WNLFL1G4[$J05+<03Z=-RZ9&MH]">$6-0O`_;\^MPC_A-P2W
MPF_F)$_7_9E/B5^`.?[P[7%[``7/]?S[AGW9D>3?+'6Y/^+`_F2:G\Z#]G4J
M\B,3MUR"<"6@^P5H.M[/W%70XZ][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z
M][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW
M7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z]
M[]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z__1L=_X4.FW\L/Y3W-@/YD?6_-B
M?U;1VC_94%CR?H.?8ZY`6G-.V-7BA_R]!/G2.O+E_GB0?\`ZTU_CMU9TAGJ&
MGW?WEE*C+XA\]+11]?;9^0?3_3&;DQ^-5C6UN;K-\15^Z\=6U50/'1K14\:2
M0DR-.H])G*ZDNGE6&VMU8EFJ22*<*4ZC.RM[3PXWN9"-*K3%?V^7\CT<J;O_
M`+&ZRH:G;_PMV9_+]^'^(J`89M[XKO;KOM+Y`Y*DC5EIZFL[:WJ:]\-EDC(:
M>3'P:'E9M+!;>T$]C>0R":YE:2!<M$/Q#T]<'/Y=&K7D"0"WLXM-P^`[8"FN
M//-1@\*5Z);N'9/R$W=O*3L?=7RCZRW%V*U4:U=^93YG8B?=5/5$AFDH,NF4
M2?$JS`7AI?#3D"QC(]K;:+:)0A:Q<$G'GGI(R[R20;Y``/E@?M_PYZ.)@ODE
M\C\M@J79/R>S'P/^:/7U-''#!CN^^[.N3V+CRBK`G\`[CV]]ANW'MX/1&DWF
M16LQ:X)):MC55DVQ)(I2Y##XM(!.<_X.C&*:XE"C=4C>(\",5Q@<1^VI^SHN
MWR`ZL^-D^#S&\^BZ=>LJW'4U/DZCKS,_*OIWN_!U[K=,UB]LPX_[#L>FJ\=,
MZK0P!\C'61+^XL14W46=SN"O%9;BYDEEE<!R-)T*!IHHJ#Y^?19>6MI(9Y[6
MW2!;=4.A6+@L:@U8TI7%<$XX];#G_";;_LB7^8B>>?DG\2C8BQ%]Q;8X(_!]
MQA[J'5N]A)3/@4_8>/YUZ&O(9K8WJ^DO^&O6]H?<7=#OJIKX]?S-=V]\_/?Y
M#_`63XH;GV+O/XL8_:N>[C[%RG;6Q<SLJDVUV)BH,WUOE-GTF*H_[Q[GJMU8
MRJ262FDI:$X[3(L[AU59/=>Z47Q._F)[T^6_8O<5+L?XJ[L@^-_3>]]]=?R?
M+?'=D[6WAU=V[GMBU%52Y2;X]X/;V*EWGW%@Z:NIFHJG)4%(F/CR<<]#3S55
M53S1K[KW3MM/^;Y_+]W[B-T9[8W<V[=Z8;9&=S.UMX9/:7QT^36XZ+;6Z-N0
MF?<&VLS/ANG:V.@W!A(AJJZ)R*F`$:T%Q?W7NGO<G\UOX%;1I/C]79SO8BC^
M5VUJ7>?QMJ,/U?W'N8=S8"KBAG+;)@VSL#,U5=EZ"*HC-9C9$BR5$)4,\$88
M$^Z]TIMN?S)_A]NS,=B;:PG8>[6W7U5U/4=Z;XVAE^C>^=L;LQO4-#FTV[DM
M^XS;NY^M,/E=UX/$9=Q%6'$Q5LM*"&E1%()]U[H+J/\`G(_RZLEU=+WABN]=
MPY?IF#'UV6G[6Q'Q^^2F5Z]@Q6+JI:'*9:7=N/ZAJ,(N,Q=;`\-5/YO%321L
M)672UO=>Z4&*_FS?`_/[SWMUUM[MO=FX]]]:R8./L+:.V_C_`/(O<>=V6VYZ
M!,KMH[DI,'U3D/X5%N#%N*JBDE(CJJ<ZXRPY]^Z]T:CX\?)3ICY6=?'M7H7>
M2[YV&NY=T;-FRLFW]U;3R./W;LC-56WMW;<S6V-[8/;>ZL%E\#F:-X)H*VB@
MDN`RAD96/NO=>^2/;.Z^C>ENP>V]H=93]NU_76V\QO');'HMW8?9.1R6V]MX
MVLS&?EQ6;W!33X9LM2XZB=H*:=H$J'LOFCO?W[KW50.S?YWVZ]Q_#3:?\QC(
M_P`O3OR/X29S$9G=>Y.RMG=G]*[X[*V!L#`;ER&TLUV)N+I9-R8+/5NT\)E,
M34S5YQU;65U'CH'JWIC"K%?=>Z/WV1_,[^$'4NR_CIV'OWNH8C9?RVPNVLU\
M<-Q4'7W:&Z<;VTN\,9CLQMO"[7GVCLS.K)NO+XW+4TD.(F,.282@>"]P/=>Z
M4W7_`/,+^'_:F*[IR/7G<5%NK(_'.F:N[QV%1[2W]1]O]:XY8/NQEMR=*Y;:
MN/[8I</-2*\L-6N&>GJ$AE\+R&*0+[KW2C^/OS9^./RMZ>RGR!^.N]\GVOTW
MC#EDBWSMWK[LB.AS\^`DJH,]3[-H,KM/'9K>E1AJJBEIZA,73531U2&'F4%!
M[KW0$;@_FZ?R^]I_'K:GRSW/WQ/@/C3OC>.1V!M7NK*=4=T4VQ\INS%SUU'5
M8XUQZ\-5CX#D<75TD575PT]'-64DU/'*TT;)[]U[HPO<_P`R?CW\>.C\7\C^
MYMYY'9'3&8?:D='O"IV+V!EY!-ONKH\=LNGJML[>VOE]W455NG*9&FI***6A
M66:KJ8H0ODD53[KW05;_`/YF7PWZJ[=QO078?8V[-N]V9G9L/8F(ZM3H_OC/
M;RRFPIJ=ZEMX8_$[9ZTS4M;@:-8I(ZN:._V51#)#4".6-T'NO=)+(?S<?Y?N
M(QV9K\QWGD\//@.U=@](Y+;.4Z5[^H=_+VEVEM?/[VZ]VK0=<U'5J;\S,FZM
MI;5R-?3U5'CIZ$4]'(7F0K;W[KW2=_X>=_EN:]QAOD-7PP[+WQA.L]]5U5T9
M\BJ3%[`[`W'7TN+PNT^P<O4]318S8>8K*^MBC\>7EH_'JO(44$^_=>ZQ3_SI
M?Y:E,V-,OR.G-+G>RLKTYMG+4_2GR$J\!O+M/!YG(;?RNP]B[AI>J9L)OC<=
M/F<544ZT^)GK6D>%O'K'/OW7NG'*?SC?Y<^#V5E>QLY\@ZC";+P';E-T'N'+
M9KIOOK#U&W>Z<AAH]Q8?K7<.#R?6%+N'";HW!@)?N\;!54D0R,"LU.T@4V]U
M[H8-F?S#_B;O[MG8/1>W^P-TT?:O:7]ZQUYM;>G2?>W6Z;MEV/AJC<6ZJ3$Y
M[L+K7;&VI,CB,#22U;4K5BU,L$;-'&]C[]U[HZY:P5@+ABH_I^H@`VM?ZD>_
M=>ZHGWW_`#D=P8+(_*_M;9_0VWMS?$3X/_+_`&C\)N^=WY#L^?"=_P"X^ULO
MNWKS8>]\[T]U%_="LVYG=N]?[L[1Q5/2T>1W#0Y#=2+4M0B)XXHJCW7NKUV:
MQ`^ES^0;'_`6_M'_`(K[]U[JIGI#^9QN_N/YO_)CX#UGQ.W-USW-\9NO(^SL
MQ6;N[;V0^VNQ-H;B^W7K?.=;3XG'UN3S6&W;-D*2*MJYZ:FCP,]0(:J]0IA/
MNO=/7\O#^9?6_/O<_P`I=FO\;MW_`!\W;\1NT*GI/M7:/9&_=IYG=M-V;1QS
MRRTE+A=JP5B_W+K$I9OL,\\XILCXG:FCDC1G'NO=,/4G\VSK#/X'M3=GR&V+
M4?&7;.R/DWO'XB]:S9;>-%VSN7Y*]U]=YVOVWOG#=`;`ZPP66WUV!C<'FJ(T
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M_<_7_?K_`$9:M'\)_C7C_O\`?[C/^`NKS\VT\^_=>Z__TK'?^%#IT_RQ/E.U
MPH'\R/K<ZC]!;:.TKDVY`'L?>WH+\T[6JY(1O\O05YT=?ZN7V>%/\(/5'7\D
M;XC=:_,?X[_S*=MYKXU?'?NKOSIWKG:F7^+&Y>W,/1T^2P/:'8N"WWC<50[C
MW=6YW$8:MV319S#X^:GIZZ)HZ9D>Q?64(YYPW>;9]TV*99REOXT@D(742*I0
M4`)/$Y7AT&.5H%O=MW2)`6D"14%:<=53D@<!YG/1%?G9M?:GP6J-J_`Y_C-U
M'6_(SX[SXC<WR+^5?9?4`@W-\@=SYJOCW?A-M]3XJIR<6KXRX/%5_P#"OXY7
M)_%=YQP$M%C8H3"QURQ-=;M-<;O'>ZHVC/AB@IJ"MJ)%25KD48D"E..>BSF:
M]2P_=FURV95&E&NC?"`PXF@4FE"*4^('@0.MF_MK^5U\(<AV;\@-G9?X,?&S
M:'QBVS_++VY\D<=O7X_Q9Z3YG[2^3>6R>X9:FKZTZVVAO'<?8>X.O5V_3120
M)58?^"ID($IVJ)T>IB$;VO-6^QKMTWUWZ0O"-31Z>T'(9M(6E,@"CUKQX`=W
MFWVDHW2)87+_`$Y(!<%3BHP6XDX)(T\/7-??4?QU^+'R!^&_\JSYM=1_!7XO
M9K#P_(^?XY?S4MF3[(FP^!3$18#^$[M[AS^3GSM5#UKMS8^#P$F[9JN,PT]%
M/F(7=6C4QL=7&Y[OM&[<Q;=-NX2>>(/"-&K67#,%2@HI#$`:Z@J",DUZ*DCL
M;BQV6[%O,88Y-.H/P%0`6-02K1U)*4-2!0#'0#?S1?B!U/\`!3L3Y[[VQW0W
M1<G0_>N`^,^Q?Y;M11=?:\9MW+]BX6;>'9_8?6&:?,.TV3ZLV!MG)+DJUFG2
MLR.X<5(0ME0F/*V[W&\2;-'<7#/?6S.)>VA'$*I-"K`X/80:CRH02_>[.UVQ
M-W8(RI<`%26+!@`I%/,9JO?4<"*UP>3_`(3;"WPD_F("['3\DOB4+N=3&VXM
ML<LUAJ8_D_U]ASW3&G=K&,_&(2?VG'1CR`=>W7DJ_`TM!^5:X_/K>S;Z'Z?0
M_7@?3\_X>XNZ'O6A)\TMF?-G=O\`-L_GA3?$+#8;LW:6U-A?R_-V_+'XRT4F
MY=O=N_*SXYX;8>VJO?W1?5'8FU`,UL]-W;:2NASM+0RT^6S^,8T5&TTDC457
M[KW6WM_+L^7/Q9^9WQ0ZO[8^(:X7`]3T&'Q^Q$ZKQN$Q6U,ET3G-IX^AHJSI
M?<VQ\*L=!LG+[&@,--'10(*-J,P5%&TM'-!*_NO=:^O\JS?'S^VO\1/YJ]5\
M..E^C^QMST?\RW^8?6["KNP>W]Q;4W._8S9O#O%3T>RX>K-R[?S@Q\J4\M%!
M69JBCR-4X@F:GB)F]^Z]T./\RR+=6UOFY_PG4HNJMG[&GWWC.Z_DXJ;'R^2'
M6.TH=U5GQ_VY5;RH,S5;/VYNX;0FAK,C73SP4N+K"M4?&(R&)]^Z]U9YL[,?
M+#<>[/F3E/EMU+U#UUB-M]/8/"?%W,=;[F/8`SN%W)U]O?-=TPQ;[S.T]D;K
MDR<NY-NXPU>&?'Q4]-3T-+/$\X=Y1[KW5,?\G[=?\P*+^2/_`"_MM]&]$](;
MJZNSFX-O[8WQNRN[,R>Y>R(_C_GOE)N?'=U9&EZ5SW5<.R\WE4VE5Y*F:EEW
M(Z0XYI*E`\\:0>_=>Z&+X>9WY*[9_F\?S]*/XV]5=-[]%-O?X#TE71=H]L[E
MZGI,*V*^)TM#M#$X:GVMU=V1'48B6CB>(L4I/M8H4"*XLH]U[J\/X0-VG)\;
MNN<O\@]I[<V-\DMT86/=WR(VOMG%8'#TM%VQFI9EW!53TNWF-)6+414,,=/D
M)!Y<A2013O9F91[KW2P^6SI)\4/DZ5U<_'CNDZELC6/6VXR"KLK*+@W!L1_K
M^_=>ZTQ_C)T?_,R[+_X39]7_`.BGO+H;+?%=^@^T\]V3\=*#K?+]:?(#L+H'
M;?9?8&1[FZJV[\F<WNGL39.WMQ;ZVYBLO!35\FR(@@K$A:90&E;W7NC/_*+O
MCJKNCXF?\)E^Y/A=U+7X3JI_GU\?L+TST;N;<5'MW(X;_1ALW?W7,?7.4WC4
MIFJ4S8G.[0JL?_&)4G^^T"J<7F(]^Z]T:/X#9+,_//\`F&_-W^9!V;C\5\=N
MW/C=T!N?^7)6?!Y:K^*]R]8T^-W+5]EU_9OR!W/#A=OT.ZH]_9.EEDV=+A1D
M<#+B01!73STDK'W7NC6_\)J9H6_DA?`PB6)[;3[9AU*Z-:1?D-VZK174\2*5
MLR_4,+'GW[KW0G_`KHSK#Y/_`,H[9O0?=&V:7>G57;^W.^-E[RV]6`*E?@<W
MWCVC'%5T%08S+C\IC9?#6XVMATST=7!#40LKQHP]U[JN/^43UYWWVIVINGX;
M_+#L>E[9V!_(U[NS?7'5N7?*5.4S'?\`O?<]%+E?C)VAVG05>*I**EE^,G24
M\^.P5!Y*MCG\C'723FHP]++)[KW0T?*#+]LXO_A1%\3)NF=I;%WKO`_RL>^E
MGQ/8F_<YU[@(\1)WIAG>O&>P.R=^5E9D$R--3I'2?P_1*LCL\T(02#W7NK(O
MB?A.Z.PMZ=I]B_-?IOJK9?>VP?D1OS&?'JIV564>Z*2A^/PZYVGAMM9W:G8%
M3MW:6Y-[QY!MW9^"MJ\CC:.HH:C(5-&L$4:H9?=>Z(!_*=VIMKL#O;^?CL3?
M.#HMT[.W5_,OW]@=Q;=S5*:[$YC$9?J/8M%7T%53/Z)(JBE(0V(90%(((4CW
M7NF3^<+L7:?6&X_Y#O7G7F`H-I;%VE_.,^*V%VSMG#0BEQ.&Q%#M;L>.DH:.
M!"S>.)&?U.6D8LQ9B22?=>ZX?\*(MDX';'Q&V-OK9&TMO0]B]@_S%/@-5;AK
MY)&PHWOGMI=BTF#V?%NG-TT%;-2P4&-IX:(5BPR304J`:&"*OOW7NK#=NY_Y
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M]_\`+_Z*FZ4_G==:_&_MXT];N'XB?R8MCY?J*GR->]=29'MSN?N2CROS#[UV
MI!.?!4[O[$[2W'FZ7+Y.F03S4DW@8^%51?=>Z-C_`#@YZG9W\P3^1'V3UNWV
M'=>3^:V[NH9*G$LU/G-Q=`[ZV`I[IV[E33?O9/:%)0T=)43I.LM/0RR"<>-R
M7/NO==?\)L9ZC<WP2[;[?WH7K>^^X/F[\L]U?(_/9/\`?WE6=FX[LFKV_%B]
MV5<I^^2IP.T\=CXZ:E8B.CIF41(@<W]U[JCW^9X\FTLQ_P`*MNK>M)?!TQ5=
M6_R[NY-Z8+&%&VSM_P"1W8>XNMJC>F3IX8`:3';J[$Q5,];F-.F>MJ*5))M3
M1J1[KW6R+_-9V%U+V/\`R3_DU'W/2XF7"[.^&.8[.VIG<M3QS9#:/:^P^KCN
M+JW=>VJQRM7C=W4&^J:CCHI:>2.HF>=H`629T?W7NJK=A]9?S1-M[&^&/\X7
MX@2[6^0WR"WC_+^^+W6/\Q3X4=HY=<%O;ORBV;LBFWUAMY[)W?705-7LOONJ
MQ&]&KY,;5"B5Y9UECIZ]JE\?4^Z]T;7_`(<&_EB?\-3?[/?_`*"]Z?Z'?]F8
M_O\`_P"RG_W5R/\`I._V?[_2O_'O]&']R_N_X1_?+_39_N8T7_A-_P#+_!K_
M`&/?NO=?_].Q_P#X4.?]NP_E)]/^WDG7/U^G_'H[2^O]?<@>VW_*V;=_I&Z!
MW.O_`"KFY?:/\G6N7_+M[6[MZ/\`BM\L^N]C?!W>/?6U_G/MBKZQWUVO3]ZX
M?J>IV[MS;^,W#@L,W7NW:_%3UIS^#K]U35(RS.(:BHAC\&E8V+2;O.TVNY;Q
M833WOA202.56G]I6E16HI2@SQ],]`G8MRN+#;K]+:V\261(Z>@IJXT!K6O#]
MM1T-GRY['^2?SIZ!^./5WR7_`);V\=Y=T_'+9VU=AX3YA8KY-[$PO;_8&T\-
M)1P[LPF^L72X/^#[DI=X4]$LB_<2S34&8:2OA82S5*S)]KVJ+EK<KZXLMU$L
M<X8-"!2FH<:U_E3_``"AE>[I^_+*UC79JW:%2U16FDX`J*U'K6M"0#0D$U^7
M_F&?,FE^0]3\R^J_Y3F.V/\`++&_&#%?$#8G96\OE/#OS9&R>K<?FJC<=#5R
M]84J;:I=S[L&3E4O555<L3K`B$+JE$A(O)=B;807?,BF(RES"H`-2:FIS_(?
MGT:7?,M];7:@;81J6@&2=5*`C`'RR?RZJ^Z63^95T9\3OG)\1]M=';FK]H_.
M^39\_8&X)-Y[(Q^4VA6T&8K*CL^OVSA\?N?^'S#N/:M7_`LE"KQI3TL8LK!1
M86W^W<N;ANW+MR9#KM127^DM`!7[*8^?1%M]_O5K97,*P@)*P$7#M*G`I3Y4
M-:U``Q3I*_,[(_S!?D3U!\6,'WETWN?%[(^!_P`;Y.H*#*1[LV_N`YZFIJNE
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MNO=!]TS_`"?]E_'KY>=V?-3H_P"47R+ZV[&^1V>R&XNZNM,##U##\==^9"K6
M3[3(9/J%>LQ31;BQD[M4Q9>'()E&K*FKE>=OO:I9?=>ZF=`?RI<W\6-L=H[.
MZ`^>GRNV'@>X^W^PN^]]"HV]\:MTY.H[9[3J(*O>^Y<-DMQ=$5[XBER-320O
M%0A)*:%H]5G9F)]U[I@S7\FCKK(9'X=9[$?*KY2X3>?PBSW:'8'4^_*K*=5;
MPWKO'NCNW+Y/,=S=Q=X9C>?5^X(NR]V;\DRK0O3F&AQE#2@0TU-'&64^Z]T,
MU9_+KW!N?LANV^T/FK\F^T=\X/J3L;JCJR/<%)TKA-D=0R=M04.+WSV;M78N
MS.J]LXG,]IUNV**3$4F2S;92+'T%7.D-.IE8GW7NA;^`OPIVE_+Y^.&T/BMU
MOV/V-V-U5UK)EX^N!VF-HUN[=K8;/YK*;ER>$FSNS]L;1I<]2/G\W53PO/2B
M:".7PAO&B*ONO=%TV/\`RN<IU;WW\GODKU?\W/DQLSM3Y@[@V5N+O.IBV_\`
M'K.[:RM3UIA*C:W7M+M7`[@Z9R9VK1;8VM4?8)HJ)YZB(7FD8^_=>Z`'Y1_R
MI-[YCXYC8/3ORP^;64^3&]/F'M'Y'Y/Y,MW%LG:NZ&WK3XJBVE157<28+:&U
ML+FOCAU-L+#I%A]C8/'1/][#2Q4X7S5-0ONO=6X_('J+)=\]-[WZ@HNS=V=5
M0=A[?RFT-P[TV-C=JUFZ8]K[AQM5AMRT."&\,)N/"XK(Y;&UTBQUOV<T](["
M2(AU!'NO=58[1_DA[&VA\6,'\%:/YO\`SC3X=83&YG;QZ7PV[^G-I5NX=G;C
MR^0S>Y-@[I[0VITGB.R,CL?<=5F*R.NH:?(T9GI:EZ?R"%BA]U[H8.ZOY2/1
M?9NW_A/L3KO?O8_QNZV_E\;UVMV9\;.N^F:;8)P&$[&V6)H-M;EWA4=B;/WQ
MEMY04]-5U(JZ>:IC?)35=1/52S3S2.?=>Z%/>_\`+OZ[W%\SNM?GOLGL[M3I
MKY%;3V-3=8=JUO6M1M"@V%\H.MJ1T>DVO\@MC9K:V8I-U#"N&;$9"BJ,=E,9
M:$1SE:.C6G]U[H&>O_Y54?0U%V)UG\6OF7\G/CA\9.U-V;JWKE?CML-.ILSA
MNN,GOVOGRN^J/X[]D;RZYSO9/2.!W/D:RHJS24.0JAC*ZJFJ,8U#,RLGNO=6
M7=7=6;%Z7ZRV9U#U7@*79?7_`%WM?&;.V5@,>]15083!X:BCH<=']UDIJO(9
M6K"1^2HJJR:>JK*AGEGDDDD=V]U[HEGQ,_E[8;XE]Z_)KOK`]_=P=CY_Y>[R
MH>QN[MM;_H.M5VM6[_P]$^'P&=V5#M#8NV,OM&CQF"<4;49JZR&HB2,RDM&A
M'NO=,?;W\M]>TOF5@?G5A?E7WYU=W9LWJ3,]$;$I-FXCI?(;`VWU7N7*?Q_<
MF#FVQO;JO=%1G<KEMPA:PY*JK&J(GBB5+)%&%]U[H4>BOA=-U)W3V9\B=[_)
M+O;Y"]P=@]=;>ZIQ>;[9J.NZ7;'5>Q-OY.OSTF%ZQV+UYL/8VW<)_>G<E7%7
MYJIJ8ZZKR4]!2*\HC@1![KW23^'7\OW!_#?LSY,=E;?[W[?[.KOEKV;D>ZNW
ML%V53=;_`,$;MC*PTV/J]T[,.S=C[5K]L8Z3"TD5$,8T]53+%$EK:%M[KW7#
MYM?R]\!\X-W?&[=F[.].W^K3\4^X]L_(3J;#]74_7*4$?=6S35Q[;W7NN;>F
MR-W5>X*#&460G@&,1Z6FDCF?7<GW[KW4SYV?`#;OS^ZUZWZI[+[L[<Z\VSUW
MV+LCM]:CJ:+K[#YS<G9O6]9'EMD[@RU?NK9>\88,9B,R&JGQ]+!!#/*5U-^W
M'I]U[ILR?P)W7OSLSIG?_>?S4^3/<FW.CNQJ+MK;W3U71]'=>=7;KW]@:6M3
M9^4[)QO6G4>UMP;PQ^R,K6)E,9CVR,%#%EJ6GJ98Y6A5??NO="_\Y_A/T9_,
M)^-._OBS\A\;FJWKK?G\)JVR.U\M_`=V[5W)M[)4^8VSNW:F8>GK*>BSN"RM
M*DD8J(*FDJ(R\%1#-!+)$_NO=$0D_DN=>=M]1Q=&_.?Y6?*SY[]5X+:U7M'8
MNQN[MU[/VE@=IC^'/B<+OZJ'4&T-BY[?W<.U,;-)'C-R[DK\I649FDDCC6:1
MY&]U[H=/A'_+;B^'>7AR^=^8GS+^58VKM>IV%T_B/DUVIC]UX#J#8M340O/C
ML!AMN;>VS2[CW/44M'3T<F<S8R%;!CJ>.EHOLX&G2;W7NC$_,OX>]+_.KH+<
M_P`;N_\`$UN:ZVW5N#8&Y,A#C*E*'*09;KS?&W]^8:6DKGIZD4L5;D=O)2U8
M"6GH*FH@-EE;W[KW6#Y,?#/HSY79+XVY7N#`5&2KOBS\A=C_`"5ZG?'20TJ4
M'8>P<?F:#"TF2C:DJ(ZS:LJY833T9"))/24TA8-"I]^Z]TGODY\'^N/D?O?J
M;NVEW5OKI7Y+="U64DZ@^1'4E7AZ'?VW\)N'QC='7>Y\;N##;@VAV5U1NT1)
M_$=O9W'UM&S`RTQI:@^;W[KW23ZM^`FV,%\CJ+YA=\=J]@_)WY+[8V5E.N.K
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MM351^6IH)GY]^Z]TM]V_!#.TW??>/R.Z#^5O>?Q^W_\`(;$]=X3LC;F%QO5O
M8?44AZSVA#LG;V[-N=;=C;*S-)M[LQ=OTU+3OF$JGBGIZ*GAJ*2>*)4]^Z]T
MA/\`AH?XB?[([_LA?VG8O^CS^^W^F'_2O_?FL_V8+_9B_P"^/^D7_9CO])7V
MW_,W_P"_O^Y'S_9?POQ_Y#]E_#?\C]^Z]U__U+'O^%#O_;L/Y3<`_P#8R/KC
MAA=3;:6T3ZAS<?X>QO[??\K7MW^E/^7H'\Z_\J[N/^F'^`=:,6/[@[@Q5!08
MG%]O=H8K$XFCAQV(Q&,W_NW'XK#8ZG:1J?&8O'T>5BI:*CIWE9E2-56[GWD#
M+!9S%OJUJ0QI_EZB03WD,4'TC4J@K^7#J9_IO[M_Y_9V[_Z,O>W_`->?;/T6
MT?[[/7OKMX\I/\'7O]-_=O\`S^SMWZ$?\S*WM]";D?\`%X^A/OWT6S_[Z/7O
MKMX_WYUX=W]VCZ=V=O#_`%NR][`_T^HS/]/?OHMH_P!]GKWUV\?[\_P=<'[N
M[K,4T9[J[>,<T$]/-%_I)WEXZB&>!Z>2"75FB'I9X)7CEB92KHWMMK2W'B"U
M6D5!^WSZT9;B:2U>Z-9=1'Y=;7'_``FS4)\(_P"8A&H"A?DI\2[`"P`.X=K_
M`$_VWN)?=B,Q[SMU?.V'^$]2GR)_R3KO_FJ>M[;W%?0YZ][]U[KWOW7NO>_=
M>Z][]U[KWOW7NO>_=>Z][]U[KUK_`.^_V'^]>_=>Z];_`'C@>_=>Z][]U[KW
MOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO?["_^'_([#W[KW5:OR&^=
MV3ZQ^571_P`>=A[$PV]=OY?L3K/8_P`C]]Y/-U.-7J*K[[;-8OI';>!HZ2&=
M,[OS=]=A*BOJ:*<Q)181(ZAB34PCW[KW1B?F3\E,;\1/C7V7\@<MMV?=<.PJ
M3`Q4N$7(0X.BK<QNC<^$V?A)<]N&:"KI=K[5I,QN""?*Y*6*1*#'QS3:'*!&
M]U[H'*3OGO\`Z5ZV[&[[^6&0^,65Z(VCU-/V+0;K^.U7V56963-I/!)!MV.G
MW/%E\9N;;^8I*E$HLU3U%%Y:AE,M)%$Q=/=>ZA[-^9-9W!_LG&X]AYWJG9&+
M[JV?O_M'MKJ[LFE[#J^U*386Q]H8R?<$/5\^.PF(Q$^6Z\WUN.@HLS6Y.G3'
M5<;.M"TL@7W[KW0.?&G^8OANU-N;V^1'9G9776S^A\KV1F^K>G^LL)U[V5D>
MV,OF8=S9*BZ]KAFE6JE[+W5V;M7`U.67`;=PD[XZDFA#S.T<]O=>Z&[N#YE4
M==MCX?[C^,^XMF;\H?DS\J-C]/BOR5!EZI$V'2P[TRW<LU-C!+B<EA=W;.Q6
MQJRGEAKXT>@K8VCJ(`P(7W7NA/\`E%\DJWI%>K]A=?[*7M'OWY`;OR&Q>E.M
MILJ<!A<A6X7$U&X]Y[\WUN2.BRDVW.L^M-MTIK\O504M35R%Z>EIH7GJ8K>Z
M]U`Q/</970VS=V;W^<^\OCKM/!'/[5P>PLUU!%V1'-GLGGH9*8[3GVGNE,WG
M\[NZJS.F+%4N%:NJ<A`'<TT)0K[]U[I1TGS4^+-7U51=W/W3M'%]7UN_%ZN?
M=6X'R&VHL5V2V5?"-L/<F+W!08W-[5W7!E(S#+0Y*FI9XF*EU564GW7ND)C_
M`.8]\)LG-A*6D[\VV*W/=AIU3!CZS";SQN2Q6_:C)46'QF$W?CLCMJEKMB1Y
M[)Y*GAQ=9FX\?095ID^TFG#`^_=>Z4O;/SN^)/1FYMS[,[3[KVUM;=FQTVW5
M;UV\U'N#,979V)W;2/78+<NZ:7`8?*/M_:-31J9)<O5>+&4HXGGC)`]^Z]TK
M.Z?EK\>/CW3;;J.V.R\7@9-X8W)9O:V,Q6.SV]=P9[;V%I(\AG=SXW;6QL5N
M3<%1M3`X^:.>NRHIOX=212*TLR!EO[KW2=W3\X_BCLO#;"SNX^Z=L4E%VIU\
M_:O64%'3YO-9GL'K^-,7*^Y=F[<P>)R6X-Q4RQ9JFD,-+2R5(BDU^/0K,/=>
MZ6W77R=Z$[:S&V,#UQV9M_=V7WGU#CN^]L4>,^^OENHLKG9-L46]H)ZFCIZ:
M+'ON")Z-XI72KAG4K)$EC[]U[J+_`+-5\>O]!O\`LS'^E/;7^@'5?_2SKK?[
MF_:_WI_N3_%/XE]G_P`6/^\W^3??Z?LM/[WE\'[GOW7NO__5V$OG!\9^F?F9
MU1\C/B9\@<_WYUE@LS\L\1W/0;DZMZIW7N6NRM!@=H[6@Q?\,RZ[,W#MZ?%U
ME;!,DQ77*C1$"QY!ML^Z7>T7T.X6<0$Z"@)((^VG\NBG<+.#<()[*\1FMW.0
M/2GKU3C_`-`Y'\MP_P#<RWSU_K_S)+,__:@]C=/<CF!:DVL#$GST_P"<=$/]
M1]FN%58Q*@04^(_Y_EU[_H'(_EN?]Y+?/7_T268_^U![O_KE\P?\H-O_`"_S
M]:_UO=J_W[+_`+V?\_7O^@<C^6Y_WDM\]?\`T268_P#M0>_?ZY?,'_*#;_R_
MS]>_UO=J_P!^R_[V?\_7O^@<C^6Y_P!Y+?/7_P!$EF/_`+4'OW^N7S!_R@V_
M\O\`/U[_`%O=J_W[+_O9_P`_7?\`T#D?RW/I_LRWSU//_/DLS_O'_&(?>C[D
M[^:_XC!G[/\`H+JPY`VM=-)'JIJ.X\?V]6.?#GX.?'?^7YT=W?T[\<-Y_)KM
M_+?(7M;H?==53]F]-[KQTN*K=D;RV\LZ4.5HMA;>QE)CUQ,4DU2U4S>/QW5K
M7L%^9N8[_F66VNMPMT2:-2H*D4(Q04J:4H<CC7/1]M6S1[-&\4$A,+&M#QKG
M-:U_;\L];*JF]^&%F8>H`?0VN+?V3;CV&.C7KE[]U[KWOW7NO>_=>Z][]U[K
MWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=
M>Z][]U[KWOW7NDCO_.Y[;&QMX;CVMM"O[`W-@MM9K+;=V+BZ_'8K(;QSM!CZ
MBIQ.V:3*9>:GQ6,FS=?''3"HJ76"#R:W]*GW[KW5'&\_Y>OR,H.@=K=I+O\`
M[)[#^6>Y/DYT-\MNZ.GZ'=>Q*+I>M[2I^S=A9'?-/M[^);<I<[_!>INO,?\`
MP["1G.B"6'!PF.'5-H/NO=6Q_(W?F8V7@,5CV^->]_DKL;>DV6V]V/M[8M-L
M#/U>$V_/CF%/-F-C;]SFWZ?>V&S<S&DGIZ>25X5.J2-HR??NO=4X-\/.^-H_
M$O\`F`8'I_H3<O4_57R/WYU#4=*_"["[WP>0W/UKU5CZ_:>)^0N<P6-BSU?U
M]L?<G<&W_P"(UL.SL9E10T3Q)'Y4FEDC7W7NC/=ZU6]^I^S?E3\[-U;6J.ON
MM^E_Y=6)Z\Z'_CE=B4S-5OO<^3W1V#NO&R8C'Y'(3;=SN/W)0;6P+1G5]S4A
M5IY)E!]^Z]T`&Z?BAW-U>/Y=&=Q^T?D-NS870_Q)W/U=F(/C+N'8>'[>V!\@
MNQL3L1]R;[R.*[&DI<-7;<WG0T66QM974C"NQ,\OD-HY6/OW7NC+[*^-^=V/
M\@_Y>^,VOT/N/872?3_6'R9[!W-/-NW$;]J]K?(GMJAV_!/%VIN>7,U.4W+N
M7.46=W-52YZG6NBJ\O5R+Y%1HS[]U[I=_*+8_;6SOE_\9/EWLOJK<?>NQNL>
MMNZNG.P.O]BU>`7L79J]JUVQLUB.TMBX3=&8P&*W8(Y=GMBLQ1+60UBTM1'-
M"LHCD3W[KW2*[O'=N\>Y_@S\JLO\6^U,YL3J*;Y!#<_1F-J^M=P]M;&WKV!M
M[%;7ZH[3DP;;WH]GY*6+`TN4I*E(LL:O;XS);U#SLGNO=!;U]\..]LCG>AI^
MVMA[>3']K_//N?Y__)?!T66PN>P?5&7Q_7U9A/C]U-]Q(\(WQ74=>N%EKJZE
M@:E7*8VHE75&())/=>ZQ87XD=\;DVGU;#NSK2AQ>X>[OYFF<^7/RH>3.[;GG
MVWU3USNC=NX>F]KYJKIZZ2?=Z246R]ET5-2T[U(H(69"J+&UO=>Z`N@B[?\`
ME'B?YBVV.F>EMSY7._-OY![TZ*I?E+EWV53]+;/^,O5V)POQ^SV6_B<V;;?.
M=S.W(L#N;[#`18MXZ[*5WD29(!/(ONO="9WOT7\G]F;]^=.W>D/C]N+LG-=T
M_$_ICX_?%SM:7=VS<7M7K3J'9^Q,SM7LG9&7S>>R]#G-M;P&[]Q5F=H:*DH9
M:?.U,E-))-`:9F3W7NALR7QU[BVKV+WCV-L'J\U51T9_+PV5\8OAC2U&6VO'
ME,WOFLP>Z\SNR3&5<U?X=JRTF7Q^V<3554S4\<T=,^AGB4W]U[HJO87QKWYL
MCL?X,_$CJ2NI\-N/L7X`[L^*WR`W3M_*TDV?ZBZ@PF<ZJW7V;V8*9))ZNGR>
M],E29;`;?KG\<?\`&LP98G9H'T^Z]U>C_H@ZO_T3?Z!O[DX;_0__`*//]%/]
MP/M/]^__`*.O[O\`]U?[J?;7U?PG^`?Y-;7JT<WOS[]U[K__UM_<_P"Q_P!A
M[H]*9K^5?\G7NN'_`%,_WGVU#2K_`-I_MJ_RZT_EQ_+KW'_-S_D[V_CY_P`^
MF_\`>NO<?\W/^3O?L?/^?7O]ZZ]Q_P`W/^3O?L?/^?7O]ZZ]Q_S<_P"3O?L?
M/^?7O]ZZY+]?[7_(5[?[S[\*>7^7JR\?/\^N7O?5^O>_=>Z][]U[KWOW7NO>
M_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[
MKWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NBX_*[Q_Z%<QY?]`VC^]/
M6_\`V4M]S_H?U?Z1-K^/^._9_O\`\<\EOX%_8_CWV>OT:O?NO=&*B_2?UWU>
MK7^O587U6]%_^"^FWT]^Z]UD]^Z]U[W[KW7O?NO=>]^Z]UC?ZC]7_('ZOHU[
MVYTV_P!YM;GW[KW1:?B-X/\`0)L3[;_0)X/O>P/'_LL_\1_T,:?](NZO^/4_
MBW^Y#^*ZK_Q[R>K^/_>_V;>_=>Z,U[]U[KH_5?I]?S_P4_3_`!]^Z]T47KC[
M;_9LODSXO]EH\O\`=[I?[K^X_P#%?]F@U_P.L\?^G;[S_(_[G>*W]TOL_1X?
//K_<U>_=>Z-W[]U[K__9
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>29
<FILENAME>g915197dsp374a.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g915197dsp374a.jpg
M_]C_X0I=17AI9@``34T`*@````@`"`$2``,````!``$```$:``4````!````
M;@$;``4````!````=@$H``,````!``(```$Q``(````>````?@$R``(````4
M````G`$[``(````)````L(=I``0````!````O````.@`+<;````G$``MQL``
M`"<0061O8F4@4&AO=&]S:&]P($-3-B`H5VEN9&]W<RD`,C`Q-3HP-3HP,B`P
M-3HR.#HT,0!R<C$S-3DP,P```````Z`!``,````!__\``*`"``0````!````
M^J`#``0````!````+``````````&`0,``P````$`!@```1H`!0````$```$V
M`1L`!0````$```$^`2@``P````$``@```@$`!`````$```%&`@(`!`````$`
M``D/`````````$@````!````2`````'_V/_M``Q!9&]B95]#30`!_^X`#D%D
M;V)E`&2``````?_;`(0`#`@("`D(#`D)#!$+"@L1%0\,#`\5&!,3%1,3&!$,
M#`P,#`P1#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`$-"PL-#@T0#@X0
M%`X.#A04#@X.#A01#`P,#`P1$0P,#`P,#!$,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`P,#`P,_\``$0@`'`"@`P$B``(1`0,1`?_=``0`"O_$`3\```$%`0$!
M`0$!``````````,``0($!08'"`D*"P$``04!`0$!`0$``````````0`"`P0%
M!@<("0H+$``!!`$#`@0"!0<&"`4###,!``(1`P0A$C$%05%A$R)Q@3(&%)&A
ML4(C)!52P6(S-'*"T4,')9)3\.'Q8W,U%J*R@R9$DU1D1<*C=#87TE7B9?*S
MA,/3=>/S1B>4I(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]C='5V=WAY>GM\?7
MY_<1``("`0($!`,$!08'!P8%-0$``A$#(3$2!$%187$B$P4R@9$4H;%"(\%2
MT?`S)&+A<H*20U,58W,T\24&%J*R@P<F-<+21)-4HQ=D154V=&7B\K.$P]-U
MX_-&E*2%M)7$U.3TI;7%U>7U5F9VAI:FML;6YO8G-T=79W>'EZ>WQ__:``P#
M`0`"$0,1`#\`]47-X_6[\CI>/5@.>>H]8=D78!M!?Z>,ZY[F=0OEOLQZ,6VB
MRBBW^=L^SX7_``BI]:9U*O%RG?9;:LU[VX^-G699%3[,FQF%C,IQ:77?JK?7
MWNQ,G&JK_1_Z;]<5SIEG3^B_5W)ZPS%-=S&.^VL)K:XV8DX/V<62S&KQL?[/
MZ.*RKT\>NK])Z7Z1)3T-%9KIKK+W6%C0TV/@N=`C?9M#6[W?G>U$53]I4-NQ
M<:P/9D9C'/KJ+'$M#&M?;ZSF!U=/I[V5_I'_`,[^C5#)Z[31U3)%^15C].Z9
M0PYUC](OR7M&)6;"-K/3I9OL9_W;Q4E.T@9>;B857K9EU>/5(;OM<&-W.T:R
M7?GN_-8C+%R[NIY767X_3;J&,P:&FT6_I!Z^0]OIFVFLMO;]DPJ+[65^MC_:
M/ME/Z3_")*=3$S<7-J];$M9?5);OK(<-S3M>S3\]GYS4=<MTCJ-K+<3'+F^K
M=D9)ZOD$;B^VFRSI.+NV?T1N??B_J?J?HV58/[/KLLNV+9_;G3Y>`\N#,D8+
M2T3OR#MW4T1_.^CN=]H=]#']')]7^C7^FE.@DLQ_UAZ:`STWF_?995^C'`I=
MZ6;DO=9Z;&X>$_\`I&5O]+_`U^ID65564F?6?,L%!IZ3?:<YY.$P/K8]V,S;
MZF;?7<^JS&;M/T'M_P`/@T^K7?E>E2E/0)+F\#ZS9%N0VS(I<*.H/+NG4M].
M685+6_:>K9>1ZOI^B^RUKF>[^9?B^AZOZ9:G4.MX6!6++=]C7469%?I#=O%?
MI_HJ=0U]]_K,^SU_X5)3H)+#ZQUW&Q'8YNR1ATUM=F9]GM?MQZ_T7H.<"[;9
MDYEM5-/HMLMR/2R*L=9N9UGJGIW90:W'ZGB8EM0QMQ]!N1D_KU%5USCZ%V3T
MOIV']HR_^/\`T'](8DIZY)8C/K"YN;1AOQ+PPTA]^2]A:1814YM->+2VZVUW
MZ7]:N9^IXGZ&K[0^Z[TU2K^L./G]2^W'(?A]%Z:T;7O]@S+LC]#2]C(]2[#H
M:;&4_P#<C-L_[II*>H47.:QI<X@-:)))@`#N5FX'6GY?1*^K/Q+*G7`NIQ0Y
MCK'`O->)M?N91NRF^C9_.>BSUOY[9^E65]8^I]6PJ:VWW8S?M!L<<&IMOKV4
M4CUKZ<;-W;?5LKV,ML^QT>C39==ZU/H^NDIW>F]19U"JRUE5E36/V-]0`%S2
MUEU5S6R?9=5:Q_Z3]*S_``U==BN+E.F]<?T[HHMOK]?.RKWLQ,4GT;\G)L>\
MW35D-I^Q8_VGU?LWK_I<?IU5-F3^L_JZZ3#NMOQ:;;Z_0OLK8^V@F36]S0Y]
M1/\`(=[4E/\`_]#T;.P[LKJ&`XLK=BXC[,A[G:N]8,^SXPJ;_5R,BQ]G_!U*
MC;T/-S"ZO)N95C49)R\.JJ7;K/4?DU6Y^[TO5K9;8Q[,.K\^KU+,F[_!;J22
MG'RNGC%-_6+LG(?DUXSJW.J:PN%8W6^EB8^QS?6?;M<S^<LNL]&NSU%S_3_J
MSU;*Z3AUNLQ6BHW/RF^I;D?:[[7.HMNS,@.JLW5U,]*W]+E?::;+\'?1C+HO
MK1M_8[]WK_SM$?9=GK3ZU6ST?M'Z/U-W\W_A?4_F/T_IJWTG]G?LS%_96W[!
MZ3/LNR=OIQ^CC=[OH_O^])22G[7ZEOK^GZ<M%)9.XC:WU'6[OH?I=_IL9O\`
MT?YZS:OJXVK.OZC3EW4YN4][LBRO9ML:=M>-5;1>R^O]1IKK9C6_3_G?\'D7
M4K9224X=?U0Z;5A4XM5N37938;3F-M_6+'N99CVV77[?<^RG(N9ZC&L?1ZGJ
M8OH6^]*CZG](I8RH&]U%!<<6GU7-;0'O===]G]'TK/TV]]5MES[;OLUEF+ZG
MV>VVI;B22GEJ>F8N9]86TLQ:J.F]/8;C0`V;KW&S$QKGTP_9@T-;G_9*]U7Z
MSZN1Z/\`-V/V&]`Z.UH:,8`!V\C<[W3_`(.WW?IJ/W,>[?CL_1_H_P!%6A="
M_P";WZU^Q?3GUC]IV3._7_2?X'Z?H>E^K?3]!:R2FL.F].`<!BTQ8[>\>FWW
M.'Y[O;[GI9O3L+/%+<REMPQKF9-.Z?;;69JM;'YS59224UCTW`.8S/-##E5U
M^BRZ/<&27;/[.]^S]SU+?](],>F=.].FO[-5Z>,\6T,#&AK'C=%E;(VM?[W*
MTDDI`W"Q&Y%F4VI@R+FBNVV!O<QOT&.?]+8V?HI,P,*NME5>/4RJIAKK8UC0
MUK"-IKK;&UE>W\Q'224TQTK#.1E7V,-SLUK&7,M)>STZP6UT,I?NJKJ]]MCF
MM9[[;;%"OH72*G/>W%KW65^C87#<75[G7>D_?NWL]1[E?224UK>G8%PM%N-5
M8,@1>'5M=Z@T]MNYOZ3Z/YZ5?3>GU8[L:K&JJHL,OJ8P-:2?SG-8&^Y64DE/
M_]G_[1*$4&AO=&]S:&]P(#,N,``X0DE-!`0``````%8<`5H``QLE1QP"```"
MK9P<`E``"')R,3,U.3`S'`(%`#5-:6-R;W-O9G0@5V]R9"`M($5X:&EB:70@
M.3DN,B!096]P;&5S(%!R;WAY($-A<F0N9&]C>#A"24T$)0``````$`]$R:76
MR98&F_(P6SZ^2*(X0DE-!#H``````.4````0`````0``````"W!R:6YT3W5T
M<'5T````!0````!0<W138F]O;`$`````26YT965N=6T`````26YT90````!#
M;')M````#W!R:6YT4VEX=&5E;D)I=&)O;VP`````"W!R:6YT97).86UE5$58
M5`````$```````]P<FEN=%!R;V]F4V5T=7!/8FIC````#`!0`'(`;P!O`&8`
M(`!3`&4`=`!U`'````````IP<F]O9E-E='5P`````0````!";'1N96YU;0``
M``QB=6EL=&EN4')O;V8````)<')O;V9#35E+`#A"24T$.P`````"+0```!``
M```!```````2<')I;G1/=71P=71/<'1I;VYS````%P````!#<'1N8F]O;```
M````0VQB<F)O;VP``````%)G<TUB;V]L``````!#<FY#8F]O;```````0VYT
M0V)O;VP``````$QB;'-B;V]L``````!.9W1V8F]O;```````16UL1&)O;VP`
M`````$EN=')B;V]L``````!"8VMG3V)J8P````$```````!21T)#`````P``
M``!29"`@9&]U8D!OX````````````$=R;B!D;W5B0&_@````````````0FP@
M(&1O=6)`;^````````````!"<F1456YT1B-2;'0```````````````!";&0@
M56YT1B-2;'0```````````````!2<VQT56YT1B-0>&Q`<L````````````IV
M96-T;W)$871A8F]O;`$`````4&=0<V5N=6T`````4&=0<P````!09U!#````
M`$QE9G15;G1&(U)L=````````````````%1O<"!5;G1&(U)L=```````````
M`````%-C;"!5;G1&(U!R8T!9````````````$&-R;W!7:&5N4')I;G1I;F=B
M;V]L``````YC<F]P4F5C=$)O='1O;6QO;F<`````````#&-R;W!296-T3&5F
M=&QO;F<`````````#6-R;W!296-T4FEG:'1L;VYG``````````MC<F]P4F5C
M=%1O<&QO;F<``````#A"24T#[0``````$`$L`````0`"`2P````!``(X0DE-
M!"8```````X`````````````/X```#A"24T$#0``````!````'@X0DE-!!D`
M``````0````>.$))30/S```````)```````````!`#A"24TG$```````"@`!
M``````````(X0DE-`_4``````$@`+V9F``$`;&9F``8```````$`+V9F``$`
MH9F:``8```````$`,@````$`6@````8```````$`-0````$`+0````8`````
M``$X0DE-`_@``````'```/____________________________\#Z`````#_
M____________________________`^@`````________________________
M_____P/H`````/____________________________\#Z```.$))300(````
M```0`````0```D````)``````#A"24T$'@``````!``````X0DE-!!H`````
M`UL````&```````````````L````^@```!,`.0`Q`#4`,0`Y`#<`7P`P`#``
M,0!?`'``80!R`'0`7P`T`"T`,P````$``````````````````````````0``
M````````````^@```"P``````````````````````0``````````````````
M```````0`````0```````&YU;&P````"````!F)O=6YD<T]B:F,````!````
M````4F-T,0````0`````5&]P(&QO;F<``````````$QE9G1L;VYG````````
M``!"=&]M;&]N9P```"P`````4F=H=&QO;F<```#Z````!G-L:6-E<U9L3',`
M```!3V)J8P````$```````5S;&EC90```!(````'<VQI8V5)1&QO;F<`````
M````!V=R;W5P241L;VYG``````````9O<FEG:6YE;G5M````#$53;&EC94]R
M:6=I;@````UA=71O1V5N97)A=&5D`````%1Y<&5E;G5M````"D53;&EC951Y
M<&4`````26UG(`````9B;W5N9'-/8FIC`````0```````%)C=#$````$````
M`%1O<"!L;VYG``````````!,969T;&]N9P``````````0G1O;6QO;F<````L
M`````%)G:'1L;VYG````^@````-U<FQ415A4`````0```````&YU;&Q415A4
M`````0```````$US9V5415A4`````0``````!F%L=%1A9U1%6%0````!````
M```.8V5L;%1E>'1)<TA434QB;V]L`0````AC96QL5&5X=%1%6%0````!````
M```):&]R>D%L:6=N96YU;0````]%4VQI8V5(;W)Z06QI9VX````'9&5F875L
M=`````EV97)T06QI9VYE;G5M````#T53;&EC959E<G1!;&EG;@````=D969A
M=6QT````"V)G0V]L;W)4>7!E96YU;0```!%%4VQI8V5"1T-O;&]R5'EP90``
M``!.;VYE````"71O<$]U='-E=&QO;F<`````````"FQE9G1/=71S971L;VYG
M``````````QB;W1T;VU/=71S971L;VYG``````````MR:6=H=$]U='-E=&QO
M;F<``````#A"24T$*```````#`````(_\````````#A"24T$$0```````0$`
M.$))3004```````$`````CA"24T$#``````)*P````$```"@````'````>``
M`#2````)#P`8``'_V/_M``Q!9&]B95]#30`!_^X`#D%D;V)E`&2``````?_;
M`(0`#`@("`D(#`D)#!$+"@L1%0\,#`\5&!,3%1,3&!$,#`P,#`P1#`P,#`P,
M#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`$-"PL-#@T0#@X0%`X.#A04#@X.#A01
M#`P,#`P1$0P,#`P,#!$,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,_\``
M$0@`'`"@`P$B``(1`0,1`?_=``0`"O_$`3\```$%`0$!`0$!``````````,`
M`0($!08'"`D*"P$``04!`0$!`0$``````````0`"`P0%!@<("0H+$``!!`$#
M`@0"!0<&"`4###,!``(1`P0A$C$%05%A$R)Q@3(&%)&AL4(C)!52P6(S-'*"
MT4,')9)3\.'Q8W,U%J*R@R9$DU1D1<*C=#87TE7B9?*SA,/3=>/S1B>4I(6T
ME<34Y/2EM<75Y?569G:&EJ:VQM;F]C='5V=WAY>GM\?7Y_<1``("`0($!`,$
M!08'!P8%-0$``A$#(3$2!$%187$B$P4R@9$4H;%"(\%2T?`S)&+A<H*20U,5
M8W,T\24&%J*R@P<F-<+21)-4HQ=D154V=&7B\K.$P]-UX_-&E*2%M)7$U.3T
MI;7%U>7U5F9VAI:FML;6YO8G-T=79W>'EZ>WQ__:``P#`0`"$0,1`#\`]47-
MX_6[\CI>/5@.>>H]8=D78!M!?Z>,ZY[F=0OEOLQZ,6VBRBBW^=L^SX7_``BI
M]:9U*O%RG?9;:LU[VX^-G699%3[,FQF%C,IQ:77?JK?7WNQ,G&JK_1_Z;]<5
MSIEG3^B_5W)ZPS%-=S&.^VL)K:XV8DX/V<62S&KQL?[/Z.*RKT\>NK])Z7Z1
M)3T-%9KIKK+W6%C0TV/@N=`C?9M#6[W?G>U$53]I4-NQ<:P/9D9C'/KJ+'$M
M#&M?;ZSF!U=/I[V5_I'_`,[^C5#)Z[31U3)%^15C].Z90PYUC](OR7M&)6;"
M-K/3I9OL9_W;Q4E.T@9>;B857K9EU>/5(;OM<&-W.T:R7?GN_-8C+%R[NIY7
M67X_3;J&,P:&FT6_I!Z^0]OIFVFLMO;]DPJ+[65^MC_:/ME/Z3_")*=3$S<7
M-J];$M9?5);OK(<-S3M>S3\]GYS4=<MTCJ-K+<3'+F^K=D9)ZOD$;B^VFRSI
M.+NV?T1N??B_J?J?HV58/[/KLLNV+9_;G3Y>`\N#,D8+2T3OR#MW4T1_.^CN
M=]H=]#']')]7^C7^FE.@DLQ_UAZ:`STWF_?995^C'`I=Z6;DO=9Z;&X>$_\`
MI&5O]+_`U^ID65564F?6?,L%!IZ3?:<YY.$P/K8]V,S;ZF;?7<^JS&;M/T'M
M_P`/@T^K7?E>E2E/0)+F\#ZS9%N0VS(I<*.H/+NG4M].685+6_:>K9>1ZOI^
MB^RUKF>[^9?B^AZOZ9:G4.MX6!6++=]C7469%?I#=O%?I_HJ=0U]]_K,^SU_
MX5)3H)+#ZQUW&Q'8YNR1ATUM=F9]GM?MQZ_T7H.<"[;9DYEM5-/HMLMR/2R*
ML=9N9UGJGIW90:W'ZGB8EM0QMQ]!N1D_KU%5USCZ%V3TOIV']HR_^/\`T'](
M8DIZY)8C/K"YN;1AOQ+PPTA]^2]A:1814YM->+2VZVUWZ7]:N9^IXGZ&K[0^
MZ[TU2K^L./G]2^W'(?A]%Z:T;7O]@S+LC]#2]C(]2[#H:;&4_P#<C-L_[II*
M>H47.:QI<X@-:)))@`#N5FX'6GY?1*^K/Q+*G7`NIQ0YCK'`O->)M?N91NRF
M^C9_.>BSUOY[9^E65]8^I]6PJ:VWW8S?M!L<<&IMOKV44CUKZ<;-W;?5LKV,
MML^QT>C39==ZU/H^NDIW>F]19U"JRUE5E36/V-]0`%S2UEU5S6R?9=5:Q_Z3
M]*S_``U==BN+E.F]<?T[HHMOK]?.RKWLQ,4GT;\G)L>\W35D-I^Q8_VGU?LW
MK_I<?IU5-F3^L_JZZ3#NMOQ:;;Z_0OLK8^V@F36]S0Y]1/\`(=[4E/\`_]#T
M;.P[LKJ&`XLK=BXC[,A[G:N]8,^SXPJ;_5R,BQ]G_!U*C;T/-S"ZO)N95C49
M)R\.JJ7;K/4?DU6Y^[TO5K9;8Q[,.K\^KU+,F[_!;J22G'RNGC%-_6+LG(?D
MUXSJW.J:PN%8W6^EB8^QS?6?;M<S^<LNL]&NSU%S_3_JSU;*Z3AUNLQ6BHW/
MRF^I;D?:[[7.HMNS,@.JLW5U,]*W]+E?::;+\'?1C+HOK1M_8[]WK_SM$?9=
MGK3ZU6ST?M'Z/U-W\W_A?4_F/T_IJWTG]G?LS%_96W[!Z3/LNR=OIQ^CC=[O
MH_O^])22G[7ZEOK^GZ<M%)9.XC:WU'6[OH?I=_IL9O\`T?YZS:OJXVK.OZC3
MEW4YN4][LBRO9ML:=M>-5;1>R^O]1IKK9C6_3_G?\'D74K9224X=?U0Z;5A4
MXM5N37938;3F-M_6+'N99CVV77[?<^RG(N9ZC&L?1ZGJ8OH6^]*CZG](I8RH
M&]U%!<<6GU7-;0'O===]G]'TK/TV]]5MES[;OLUEF+ZGV>VVI;B22GEJ>F8N
M9]86TLQ:J.F]/8;C0`V;KW&S$QKGTP_9@T-;G_9*]U7ZSZN1Z/\`-V/V&]`Z
M.UH:,8`!V\C<[W3_`(.WW?IJ/W,>[?CL_1_H_P!%6A="_P";WZU^Q?3GUC]I
MV3._7_2?X'Z?H>E^K?3]!:R2FL.F].`<!BTQ8[>\>FWW.'Y[O;[GI9O3L+/%
M+<REMPQKF9-.Z?;;69JM;'YS59224UCTW`.8S/-##E5U^BRZ/<&27;/[.]^S
M]SU+?](],>F=.].FO[-5Z>,\6T,#&AK'C=%E;(VM?[W*TDDI`W"Q&Y%F4VI@
MR+FBNVV!O<QOT&.?]+8V?HI,P,*NME5>/4RJIAKK8UC0UK"-IKK;&UE>W\Q'
M224TQTK#.1E7V,-SLUK&7,M)>STZP6UT,I?NJKJ]]MCFM9[[;;%"OH72*G/>
MW%KW65^C87#<75[G7>D_?NWL]1[E?224UK>G8%PM%N-58,@1>'5M=Z@T]MNY
MOZ3Z/YZ5?3>GU8[L:K&JJHL,OJ8P-:2?SG-8&^Y64DE/_]D`.$))300A````
M``!5`````0$````/`$$`9`!O`&(`90`@`%``:`!O`'0`;P!S`&@`;P!P````
M$P!!`&0`;P!B`&4`(`!0`&@`;P!T`&\`<P!H`&\`<``@`$,`4P`V`````0`X
M0DE-!`8```````<`"`````$!`/_A$8MH='1P.B\O;G,N861O8F4N8V]M+WAA
M<"\Q+C`O`#P_>'!A8VME="!B96=I;CTB[[N_(B!I9#TB5S5-,$UP0V5H:4AZ
M<F53>DY48WIK8SED(C\^(#QX.GAM<&UE=&$@>&UL;G,Z>#TB861O8F4Z;G,Z
M;65T82\B('@Z>&UP=&L](D%D;V)E(%A-4"!#;W)E(#4N,RUC,#$Q(#8V+C$T
M-38V,2P@,C`Q,B\P,B\P-BTQ-#HU-CHR-R`@("`@("`@(CX@/')D9CI21$8@
M>&UL;G,Z<F1F/2)H='1P.B\O=W=W+G<S+F]R9R\Q.3DY+S`R+S(R+7)D9BUS
M>6YT87@M;G,C(CX@/')D9CI$97-C<FEP=&EO;B!R9&8Z86)O=70](B(@>&UL
M;G,Z9&,](FAT='`Z+R]P=7)L+F]R9R]D8R]E;&5M96YT<R\Q+C$O(B!X;6QN
M<SIX;7`](FAT='`Z+R]N<RYA9&]B92YC;VTO>&%P+S$N,"\B('AM;&YS.G!D
M9CTB:'1T<#HO+VYS+F%D;V)E+F-O;2]P9&8O,2XS+R(@>&UL;G,Z>&UP34T]
M(FAT='`Z+R]N<RYA9&]B92YC;VTO>&%P+S$N,"]M;2\B('AM;&YS.G-T179T
M/2)H='1P.B\O;G,N861O8F4N8V]M+WAA<"\Q+C`O<U1Y<&4O4F5S;W5R8V5%
M=F5N=",B('AM;&YS.G-T4F5F/2)H='1P.B\O;G,N861O8F4N8V]M+WAA<"\Q
M+C`O<U1Y<&4O4F5S;W5R8V52968C(B!X;6QN<SIP9&9X/2)H='1P.B\O;G,N
M861O8F4N8V]M+W!D9G@O,2XS+R(@>&UL;G,Z<&AO=&]S:&]P/2)H='1P.B\O
M;G,N861O8F4N8V]M+W!H;W1O<VAO<"\Q+C`O(B!D8SIF;W)M870](FEM86=E
M+VIP96<B('AM<#I#<F5A=&5$871E/2(R,#$U+3`U+3`Q5#$V.C0S.C4U+3`U
M.C`P(B!X;7`Z0W)E871O<E1O;VP](E1O;VQK:70@:'1T<#HO+W=W=RYA8W1I
M=F5P9&8N8V]M(B!X;7`Z365T861A=&%$871E/2(R,#$U+3`U+3`R5#`U.C(X
M.C0Q*S`U.C,P(B!X;7`Z36]D:69Y1&%T93TB,C`Q-2TP-2TP,E0P-3HR.#HT
M,2LP-3HS,"(@<&1F.E!R;V1U8V5R/2)4;V]L:VET(&AT='`Z+R]W=W<N86-T
M:79E<&1F+F-O;2(@>&UP34TZ1&]C=6UE;G1)1#TB>&UP+F1I9#I%-40Q,3-&
M135$1C!%-#$Q.#9!,3@X.3@Y,D5%-D1&-2(@>&UP34TZ26YS=&%N8V5)1#TB
M>&UP+FEI9#I%-D0Q,3-&135$1C!%-#$Q.#9!,3@X.3@Y,D5%-D1&-2(@>&UP
M34TZ3W)I9VEN86Q$;V-U;65N=$E$/2)U=6ED.F4R,3DS,S!B+60S-64M-#=C
M,"UA865A+3,X8C(V,F)F8V$U8R(@<&1F>#I!4%1+5D52/2(U+C4N,"XQ-3`R
M."!0<F\@4')O9'5C=&EO;BTS,B(@<&AO=&]S:&]P.D-O;&]R36]D93TB,R(^
M(#QD8SIT:71L93X@/')D9CI!;'0^(#QR9&8Z;&D@>&UL.FQA;F<](G@M9&5F
M875L="(^36EC<F]S;V9T(%=O<F0@+2!%>&AI8FET(#DY+C(@4&5O<&QE<R!0
M<F]X>2!#87)D+F1O8W@\+W)D9CIL:3X@/"]R9&8Z06QT/B`\+V1C.G1I=&QE
M/B`\9&,Z8W)E871O<CX@/')D9CI397$^(#QR9&8Z;&D^<G(Q,S4Y,#,\+W)D
M9CIL:3X@/"]R9&8Z4V5Q/B`\+V1C.F-R96%T;W(^(#QX;7!-33I(:7-T;W)Y
M/B`\<F1F.E-E<3X@/')D9CIL:2!S=$5V=#IA8W1I;VX](F-O;G9E<G1E9"(@
M<W1%=G0Z<&%R86UE=&5R<STB9G)O;2!A<'!L:6-A=&EO;B]P9&8@=&\@87!P
M;&EC871I;VXO=FYD+F%D;V)E+G!H;W1O<VAO<"(O/B`\<F1F.FQI('-T179T
M.F%C=&EO;CTB<V%V960B('-T179T.FEN<W1A;F-E240](GAM<"YI:60Z135$
M,3$S1D4U1$8P130Q,3@V03$X.#DX.3)%139$1C4B('-T179T.G=H96X](C(P
M,34M,#4M,#)4,#4Z,C@Z-#$K,#4Z,S`B('-T179T.G-O9G1W87)E06=E;G0]
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M92YP:&]T;W-H;W`@=&\@:6UA9V4O:G!E9R(O/B`\<F1F.FQI('-T179T.F%C
M=&EO;CTB<V%V960B('-T179T.FEN<W1A;F-E240](GAM<"YI:60Z139$,3$S
M1D4U1$8P130Q,3@V03$X.#DX.3)%139$1C4B('-T179T.G=H96X](C(P,34M
M,#4M,#)4,#4Z,C@Z-#$K,#4Z,S`B('-T179T.G-O9G1W87)E06=E;G0](D%D
M;V)E(%!H;W1O<VAO<"!#4S8@*%=I;F1O=W,I(B!S=$5V=#IC:&%N9V5D/2(O
M(B\^(#PO<F1F.E-E<3X@/"]X;7!-33I(:7-T;W)Y/B`\>&UP34TZ1&5R:79E
M9$9R;VT@<W12968Z:6YS=&%N8V5)1#TB>&UP+FEI9#I%-40Q,3-&135$1C!%
M-#$Q.#9!,3@X.3@Y,D5%-D1&-2(@<W12968Z9&]C=6UE;G1)1#TB>&UP+F1I
M9#I%-40Q,3-&135$1C!%-#$Q.#9!,3@X.3@Y,D5%-D1&-2(@<W12968Z;W)I
M9VEN86Q$;V-U;65N=$E$/2)U=6ED.F4R,3DS,S!B+60S-64M-#=C,"UA865A
M+3,X8C(V,F)F8V$U8R(O/B`\+W)D9CI$97-C<FEP=&EO;CX@/"]R9&8Z4D1&
M/B`\+W@Z>&UP;65T83X@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`\/WAP86-K
M970@96YD/2)W(C\^_^X`#D%D;V)E`&1``````?_;`(0``0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0("`@("`@("`@("`P,#
M`P,#`P,#`P$!`0$!`0$!`0$!`@(!`@(#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#_\``$0@`+`#Z`P$1``(1`0,1
M`?_=``0`(/_$`:(````&`@,!``````````````<(!@4$"0,*`@$`"P$```8#
M`0$!````````````!@4$`P<""`$)``H+$``"`0,$`0,#`@,#`P(&"74!`@,$
M$042!B$'$R(`"#$403(C%0E10A9A)#,74G&!&&*1)4.AL?`F-'(*&<'1-2?A
M4S:"\9*B1%1S148W1V,H5597&K+"TN+R9(-TDX1EH[/#T^,I.&;S=2HY.DA)
M2EA96F=H:6IV=WAY>H6&AXB)BI25EI>8F9JDI::GJ*FJM+6VM[BYNL3%QL?(
MR<K4U=;7V-G:Y.7FY^CIZO3U]O?X^?H1``(!`P($!`,%!`0$!@8%;0$"`Q$$
M(1(%,08`(A-!40<R811Q"$*!(Y$54J%B%C,)L23!T4-R\!?A@C0EDE,88T3Q
MHK(F-1E4-D5D)PIS@Y-&=,+2XO)59756-X2%H[/#T^/S*1J4I+3$U.3TE:6U
MQ=7E]2A'5V8X=H:6IK;&UN;V9W>'EZ>WQ]?G]TA8:'B(F*BXR-CH^#E)66EY
MB9FIN<G9Z?DJ.DI::GJ*FJJZRMKJ^O_:``P#`0`"$0,1`#\`W^/?NO=%!^<G
M9>Z>IOC7OK>&R-_R=9;Q&Y^GMJ[7WC_=/$;X^QSG87<>P-@XW%+MK-G^&U,>
M[*K<BXC[B5)30&N-6J.8`I]U[H2?DKW_`+(^+W1G8O?G8,>XJ[:O6V&3*5.$
MV9@ZS=&\]V9BNR-'@=J[$V7MS'1R56<WEOO=V4HL+BJ0&-9<A71*\D::G7W7
MNL/QBJ>_LAT?L7,_**AVK@^^=Q45;N;L/9VQZB/(;4ZZK]QY2MS.+ZQQ&:AD
MFAW,>M]OUM)A:O+I(\67KJ&>MCTQSHB^Z]T/?OW7NO>_=>Z][]U[KWOW7NNM
M2F_(X)!Y_(^O^VO[]U[KCY(P0"Z@D$@$@&P^IL?QS[]U[KD&#`%2&!Y!!!!_
MUB.#[]U[KOW[KW7O?NO=<!&BLS!5#.06('+$"P)/YL/?NO=<_?NO=>]^Z]U[
MW[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO
M==$@<DV]^Z]TSG<>WAFQMDYW#C<C8?\`O"-O')T0SAP'WBX[^.?PGS?Q#^#C
M(,(#4^/PB8Z-6KCW[KW3R#?D<@\@C\^_=>Z][]U[KWOW7NO_T-T[LOYD]*]9
M;IS&P)JC>?8'8NU\9C\_O3KWIW8>Z.U]W["VYDXO/1YW?6+V5CLJNU::IIGC
MFAIZN2/(5,$T<L%/+&VH>Z]U5?\`,7Y6=$?*CLC^7K-L+MW$Y'XD]7=H]N_/
M[Y4=KXVJR^/PVR-H?!;!T.$V5UCV3MZJHZ+<N(W3G/DKVYMNH&V,C0PY=ZC;
M$Z"D::)87]U[HSG1VQ^TOF_VCUO\SN_,+VATET=M;;])N/XI_"#L?&T6TM[X
M3>E3D:J<_*+Y2X##9/+P-V[)B%IXMF[2FJZFFV1032U=8G\>K)(<5[KW5JU-
M!]NC1W73Y'=`H(TJYU:#<FY4FU_R/?NO=2/?NO=8W<ISH9A9B2NG@@7"V+`W
M;\?C_'W[KW7)6U*K6(U`&Q%B+_@@\@CW[KW7+W[KW01]O[_J-A[6GFP>2Z[H
M]][BKJ/9G6&,[2WO%L#:&[.S=Q)-#M#:4N<6BRN4J<ADZJ,NM!CJ.KR-5#&X
M@A=P`/=>ZKE[;[*_F!_'/%=.]B]@]H?&/N7)=A=V=.]39/XL]=]+[MV%D]TR
M=E[KQNVMZ0]/=O;K[CSF4R&:ZLPE3D-UB7*[?B@K<)@:Q9TI799X_=>ZMHA8
M4R",K*4#.$=@I&E%U`+H+$J%%E'ZR`;@V)]^Z]U.]^Z]U[W[KW7O?NO=>]^Z
M]UT38$GZ`7_VWOW7NN$<FLL--BMK^I&'/(_2Q(NMCR!P1[]U[K)[]U[KWOW7
MNHM15QTVLR:52.&2HD=Y$C1(HA>1V>0K&B(/U%B`!R>/?NO=1<7F<=G,?1Y;
M#5=-D\7D:>.KQV2H9XZG'Y"DE17BJJ.KA+Q3TTH<:'!M(#=;CGW[KW08=*=[
M]>_(':.3WGUI79#(8O![XWYUOG:7*XNLPF7PN].MMS9':>[,%DL=D(XY8*BA
MR^-<*P)CDB='5K-Q[KW0Q*25!(*DCE3:X_P-KB_OW7NNG<(+GZ`$DD@``"Y)
M)(``'U/X]^Z]T%4/>/4]3W%7_'RDWUMZM[MQ/7]%VMF.LJ*OBJMU8;KC)YV?
M;.+WCF*"+5_"\-E,]2RTM*TS(]3)$_B5PCE?=>Z%?W[KW7$L`;?ZWUX^OTMQ
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M4#46:GBRM#CZ<>6A4>*/W7NJ5L5B.T'_`)L'<W\POLJDV#\C.@>D_E1TC_+&
MW/C=L]9XOK[KKK_+=J8;9^9W_P!\X3&G=&:S'8.]OC+\GM\;8V?DLYN:#(2U
M5!F,J*,TLV#I'B]U[K:,^0':,_1_46^NS,-L^H[`W3@\/4':&P:/-8O;E5OO
M>-:!2;9VK_>3.2)B-MT.5S#PK69.IU4^+H5FJY%:.%@?=>Z"OX<_)K)_(WX=
M]/?*;L;;FW^IV[$ZYD[&S^.I-S_QW96$V]%49.6GW5A=[93'[?3-;`SVVZ&+
M-X[*RTU*E1B*J*?0JN/?NO="?T!W]UY\G>G-E][=09/*93KCL*/+U>S\OGMN
M9K:M9E\;A]Q9;;<F47![@HL?F(,=DJK#2ST,DL4:U=$\50A,<BD^Z]U7[M;=
M>)[P_F3=^=\UO<590?'?^7'T54_'3,X>KS9P'4>.^2_:<.'[I^0>_P#=6XQD
M,7MVLRG2_1>-VCBJI:YZJDPK9VO9C35$4EO=>ZLTZZ[&V+VGLO;/875^\-M=
MA==[MH(Z_:>]MEYG&[DVKN/&/)/$F1PN=Q-76T.0HTDI7C,D;LK2`B_!]^Z]
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M.#<'V[5&4Q$6`Q\,Q2GFA:;W7NC_`&UODQUWOWY#]Q_&G9-9E<_V#\?-K=;;
MC[BJZ7'1G:>R\KV[29+,;`Z_R.9>6-I=^9;:&);<$]#"KM08:LH:B=E6NI@_
MNO=(';WSO^-NZNC]U?)+%[ZR,72&W.T<ST]B>P)=JYRIQ/96\<3OZFZGIY.H
M*7'4%?ENS\%N3L^J.#PU=B8*BGS%=3R&D:6`+,WNO=8NW?F;L_K3Y!=&?%G:
MV$R/</>G;^Z:.#<6Q]C5=$U7TEU&F$S^;SG?7<5=-Y,=L[9\(P#4>'H*J2')
M[FKY6BQ<50E)7RTGNO=%#VK\Z?EQVYV;WIV3T=\;\+N+X8=-5^^NG\%O+M??
M.'Z)J>U^Q.O<U/3[_P"_=J;QW/!FJ*I^.^R\AMS(8..I6BB&2?S9"">>*#Q#
MW7NBP4W\W3^8/'\4*_Y<9S^61M?#[-[<S>%V[\0-CS_*G#4O:?9>;[+W/MGK
MCH+#YS9&:Z\PV0RU=W)NS/?QJD7&M3FEVJ!4.K!34/[KW2A^-/>?R`^#>R_C
MQ\-^R=DP_)O^9;\H^Y,OWOWSM*+O7"T\.!Z^[:['R&9[Q^2'\2K\&V.P'3_3
ML*U.`VMM?&4HDK*7`001>"20K[]U[J^>LW5A:'#;ASTN1II\;M:',39V:AEC
MR$N.."IFK,E35--1&65*^"F74U.;3#4`5!-O?NO=$0HOYB.PMU9OXA;2V!L#
MLG*[V^6N:WO5T^RMW;=GV3N/I;JCJC:E'N[MOMCNBGJH\C2;4P6SQGL!B*0&
M9X<KF]U8FEAF;[@R)[KW2?\`GSN?97;5=\>?@36R[@S^4^:>^'K=TXC9>8S&
M`R&-^,W1C8SL_N?>V6W=MFIIZG;>T,Q4P8#:6LS(<K4[JAHH]0GE:/W7N@D7
MYOXO-]E?(OY083?`I_Y=GP"V1NWJ-UZQHHMQ5WR9^5SU&"@WCMW96)H(8ZC/
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MS[@RF7S&0PKT>R^NMCQ9NEJ=RYZ:&J3$T4R^.GJJV6EH:GW7N@D^`D^Q/C%\
M>,S_`#"?F'O_`&QL?OG^9%DNN.XMT[:JJJ):C!Y7>>VZC.]/_$SJ'$5E7D-V
M=C[RVY1[AK8H\=2>?(Y++SU"TU)%3PI%'[KW1N_Y;WRM[H^8_3_9?=';?7>S
M^L,8/D1W'USU/M[9F>J-Y4,O6W5.<BV-)FLQORZ8+>&X)=]8;-4E75XF&'%I
M/1O3PB3PO._NO=+_`+'W9\A>VNPM_P#3O1]9#TOLW8F*VU!N[Y,5^$Q&^<_4
M[XS%30YS(=;=3=;9:2/"3UN(V3)#)E-Q9F26DH:C*P14M!62Q3M#[KW52GST
MZ\@ZF[$Z@V95?/#Y`;QS6,K<!\A=W_'_`+^BQO>^U?DK_HWW:E/TETIMCIG8
M.S]D[@R>X.T>X*B)A%MJ266G@V_]Q7XZHIHM0]U[I"?RC^UNYOD)W-O[M/:F
M\*/;FW^S=ZXKY;_.?M?<?6XJ:/N[L?NO;-9U3\?_`('_`!?WMNJ+"5-;T+\*
M-N]<'`9S>]/%6OGMVXJ6BQD4/WV4E]^Z]T=OM7Y\_)_?/S7ZCZ&^$W1F,[F^
M,G67R#VCU+\^?E%MW.[=W?0=8;NSFW=PY?,=&[7VO2YFAJ$SW75-/@,COC<`
MDK8=MQY2+&M2KD79(_=>ZN=#'402/R1_9L`;?0\D'^OT]^Z]US]^Z]U__]+>
ME[P[;V=T%T[VIWGV'7#&;!Z:ZYWQVGO/)&&2=J#;&P=L9/=&;JHH(E:>HF3&
MXR71%&K2RN0B`DV]^Z]U55M'XZXCI[^4SA=F;@:KRV[NQ<WL3Y'=L;@WA4T=
M'F<QWQWO\D-I=^[WW7O'*SRT]'#58;L/=9\E5(Z0TM)01CT11!1[KW2!^8G8
MC_S0^J-K;)^)%%NGM#XE;/\`DM01?+KN'9J2XND[AZ<Z[H=[[:[BZ-^,,CR4
M.X>TMVYC<T\&.K\SC!!A8Z*FKX:'(5584B7W7NAM^3.)[\^2?Q!W)\:_AIT!
MG?CW3[PZ_P!O];;?WMWCC\+U)MGJCK/#Y''8S.[>VEUA1KN+<TV[8-GX23&[
M=H*W$TNWDDJ*:>IG>BBEIY?=>Z`K^9%\M/E'\'/@QMS=WQMZ]V1\<MN]>[IV
MGU_V/W?\N_)O?9G4W6F1P.;P>$W/1;6Z3R6Z<ON#?.]>UWP.`QM364G\#I<M
MG(),BD6/DFJ*/W7NB7?*;M3J'X,]/_$+X)=7[PVIV/-V/6=E_(+YZYW>[47:
MU#VKOW<VT<I-@M[?S">Q\-A=U46ROCU\BOF)NW"IV+NNMCD>3;.*.`HH?X94
MZ*?W7NK@/@5O;XJ_'CX%=%8[:'?FT=[]8[7S&-ZOK^XL?BZC;&UNR_D/V=V2
MR;PCV1MI,71)3Q=@]Y;ZJDP^*QE/+24D=;'1TS&.`D>Z]U9G+)&P4O9%7R%A
M,`+(@997LUQH5`;GZ$-_C[]U[K7FZ7ZA^>>S^_\`M_\`F==,[2VAV32_-CN"
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M_P!9=0]M?#;:6ZNK=H;8[L^2O='8G>O\Q&3>F7S_`,G^VNH>YJ@UV:W#ANO8
M=H8S"[5^7QVW7TVS:'<%96U&U=K87;U'4X^AJO%244/NO=#!UO\`RS.QDZDZ
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MO3=B[<Z^C^5O;VZ.]=]=39S`[HZ<SNT,70]&[+Z+WAM'$UN%VGOWJ;KW:U5E
MZ+'=A8?&9&J@3,9:IS,\4=7+'3)3P'P^_=>Z6M%_+TZ"@WQ%V_7GLS-?(`;*
MGZQJOD;E.UMV-WA7]5U6YGW7/U=5[WH)\<Z=??Q@B=,9!3PPK*/(+3,\K>Z]
MT:GK?JO874>SX-B=?;;IL#MBGJ<I6M0-69+,5.1K\W62U^8RF;S.>J\GF\_E
MLG5SN\]575%142WLSD``>Z]U7/TA_*MZSZ;^4_R1[W3=&Z<]UOVQA-AX3J#H
M6LWEOZ78_1-)33G<?=.+V]35FZ:N.3:7='8>)PF9K<)$L6(@DQ,,2TQA2*./
MW7NA2[6_E^X'M;Y<8'Y65/<W:&SFIOCH/C#N[JW93[;PN`W9UG%V2.TSC\9O
M2'"CLGKJ/<FXH:6#<4>!RE&N>QV,H:>4QK3@M[KW2NV9_+]^-G7>1VC'L?:%
M7MGKKKK=F$[`ZTZ$PN6?"]`]<]A[;Q5'C,)OG:/6&&IJ+$T6:QYHA4P1RO-0
MTV2DDR$-.E:[3GW7NIZ_"S8<OR8W-\G\MN/=V?W!G<ILO==!UUDJ_'1=:8+L
M/9&Q:SK/$=@"@H,339S/9J@V54-%C:;)UE;CL+75-9744$575/,ONO=.N[?B
M%LG?/R&VI\@=T[DWMDFV;D-O[KP/5467H\?UE'VCMO`Y_:F#[7S=!1XZ/.[H
MW7M[:NX)Z+'4]97/B:-F^Z2E^\"3I[KW4_?WQ!ZC[.^0NP_DOO6#=&=W]UKM
M"/9NSL#6[NRS]:XF"#=T&^*3<_\`<);8:JWG2;CH:2=:]UUM]E2A]0I8-'NO
M=(;=7\N?X<;W_A[[MZ0Q&=DP.X\IO#9IK=V]A2Q]:;OS6:FS^2WCU#'_`'J"
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M978N\]F4N<ZIV3,*C:6QMTC`Y2DDRV/VY6EZJCJU:'(TU1+(T4Z>1[^Z]T@9
MOY<G1^#SASG2&Y>XOBC][@J#`;DP7Q@[";K/9V]%P\#4^(S^[-G38C.[=R6]
M*&":2,YM:>/+52-:JJ)[+I]U[HUG7/5E'UMLR'9]%NC?V[)`:R2LW=V#O3*;
MNWODJVKI_MFR=7N'(*=-6L070L,,,$6D:8P1S[KW0%?[*_V?_P!YC_(7_F6?
M^C3_`)I]_G?^?D_\>C_S-#_JX_\``;_ID]^Z]U__T]ZWN#ISK'O[KS/]2]R[
M,PW8?6FZSBUW3LG<4,E5M_<=/ALSC]P4%!G*%)(DR>+7+8JGEEI92U/4K'XI
MDDB9T;W7NG[=^P]G=@[9RVR]][:PF\=GYZ&"ES.UMQXRCRNW\I1TM53UM/19
M#$U<,E%64D=32QMXY$96T`,"!;W[KW3W0XC'XVFHJ+'TL-#1XZCIL?04=%##
M14E%04:+'24-)24D<%-2TE+$BI''&JJJ*%`MQ[]U[J8L"JH&IR0`NMCJ<@"Q
M!)'.H?7W[KW5$7\V;L/:>Y=P8_JO-XW<W9FT>J=N[5R6Y_CIMS`8+<$/R2^0
MWRWW!E_CY\1>L:RBST\-%NN7K*JBW5V3DL"4K(Z6@P%%EJRG2EIHIA[KW5P?
M4_2'4O3FU/[H=9==;%V-AGI:"AS='LW9NWMJTFY*G%8BGP*5V>I<+CZ2+,U3
M4%,(_)4^9O&=))TBWNO=+K-;-VKN/^`#/8#$Y>/:N<Q^Y]MP9''TE9383<6)
MCJHL7G,;35$,D%)E<:E;+]O.JB2!FUQE756'NO=*$PH3?F^K42;,2=.FPU`Z
M1IXL+<$_U/OW7NNA`NHN2S.W!8V+:;#T`V]*!A<`<7Y_)]^Z]UR6-58L+W/!
MOSQ^%!/*J#S8<7/OW7NLGOW7NO>_=>Z(7_,/[BV7U?TMMC9V]NVMT="4?R0[
M3VU\?J/NS:N4Q^VZOK"'-8'=O8F\=T5>]<P!B-A1+UIUIG*6ER\[(:?)U-*D
M)^YD@O[KW0<?RIMC;)Q'QH7MS8?4\O2>W/DQO_=7=NT>OZ[;"[:W'@^I*\4>
MT>BZ3=<$J_Q'^(U?4&U<1D_#5'[F%\FRS`S"5W]U[JSOW[KW7O?NO=>]^Z]U
M[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO==`6_)^I/U_K[]U[
MKOW[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U__]3?X]^Z]U[W[KW7O?NO=>]^
MZ]U3/MS_`&2+_AWGLG^]7^E7_9H_X=MK_1=_I5\'^R]_Z7/]`.`_T@_[+-]S
M_DW^S`_[++_!?X]J_P!R7]V?XA_#?\D_COOW7NKEQ;\6_P!A;^I_I_C[]U[K
MOW[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]TB>P?\`1S_=BK_TJ_W*_N7]SCOO
MO](/\#_NQ]Y]_3_PK[O^\?\`N)^Y_B?A^VU^OSZ='KM[]U[I:\?X7_/^O87_
M`,?I[]U[KOW[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U
I[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U__]D_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>30
<FILENAME>g915197dsp375.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g915197dsp375.jpg
M_]C_X``02D9)1@`!`@$!+`$L``#_X0U217AI9@``34T`*@````@`"`$2``,`
M```!``$```$:``4````!````;@$;``4````!````=@$H``,````!``(```$Q
M``(````;````?@$R``(````4````F0$[``(````)````K8=I``0````!````
MN````.0```$L`````0```2P````!061O8F4@4&AO=&]S:&]P($-3(%=I;F1O
M=W,`,C`Q-3HP-3HP,B`Q,CHT,SHQ,`!R<C$S-3DP,P`````#H`$``P````'_
M_P``H`(`!`````$```%(H`,`!`````$```!9``````````8!`P`#`````0`&
M```!&@`%`````0```3(!&P`%`````0```3H!*``#`````0`"```"`0`$````
M`0```4("`@`$`````0``#`@`````````2`````$```!(`````?_8_^``$$I&
M248``0(!`$@`2```_^T`#$%D;V)E7T--``+_[@`.061O8F4`9(`````!_]L`
MA``,"`@("0@,"0D,$0L*"Q$5#PP,#Q48$Q,5$Q,8$0P,#`P,#!$,#`P,#`P,
M#`P,#`P,#`P,#`P,#`P,#`P,#`P,`0T+"PT.#1`.#A`4#@X.%!0.#@X.%!$,
M#`P,#!$1#`P,#`P,$0P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`S_P``1
M"``K`*`#`2(``A$!`Q$!_]T`!``*_\0!/P```04!`0$!`0$``````````P`!
M`@0%!@<("0H+`0`!!0$!`0$!`0`````````!``(#!`4&!P@)"@L0``$$`0,"
M!`(%!P8(!0,,,P$``A$#!"$2,05!46$3(G&!,@84D:&Q0B,D%5+!8C,T<H+1
M0P<EDE/PX?%C<S46HK*#)D235&1%PJ-T-A?25>)E\K.$P]-UX_-&)Y2DA;25
MQ-3D]*6UQ=7E]59F=H:6IK;&UN;V-T=79W>'EZ>WQ]?G]Q$``@(!`@0$`P0%
M!@<'!@4U`0`"$0,A,1($05%A<2(3!3*!D12AL4(CP5+1\#,D8N%R@I)#4Q5C
M<S3Q)086HK*#!R8UPM)$DU2C%V1%539T9>+RLX3#TW7C\T:4I(6TE<34Y/2E
MM<75Y?569G:&EJ:VQM;F]B<W1U=G=X>7I[?'_]H`#`,!``(1`Q$`/P#N<3,Z
MUUFLY>%93T[!<YS*?5J==D/V.=4ZVQKK<>O#]S/Z-95D7?Z;T;/T".SI_7F:
M_M86'L+,9D?/TGTN_P"FM0`#@1_M6=]OR,CK9P<7;]FPJ]_4+'-W39:/U7$I
M>U[=EK6?K65O9[*?L?\`W*WU)2P'UDI:XN.'G.CVM:+</7P)+^J[O^@E3URL
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M]F[Z#G,8G?=56ZMECVL=<[94UQ`+G!KK=E8/TW^E799_4K24S22224I)4\OJ
M`Q\S"Q&L]1^;8]IUC97779=9?]%V_P#2MHQ__0A+J^:<#I>5F-&ZRBISJF?O
M61^AJ'\JVW96DI%TF[*RKL[*M>?LYR'4X=>D"NC]!;9H-V^[,;E?G?S'V=:*
MJ],PF]/Z=C8+#N&-4RK?W<6@-=8[^58[WN5/)LNR^OX^%5:ZNC`J^UY88XM+
MWV[\?`HLVGWT>S-ONJ_TE.(DIUDP(,P9C0H'4<L873\G,(D8U-EQ'E6UUG_?
M4#H.(</HV'0_6T5-=>\\ON>/4R;K/^%OO?9;;_PCTE/_T/0>L7=2Q*,C.9F4
M48>/6;7M=C/ML#6-WV[7MRZ&O<_;^C_0JKTKH?4*\)C\OJ%]67DS?GLI%`:;
MK!-K?5=CVY&RCVXV/^L>S'HHK_P:T>J85F=710"T4C(JMR`Z9+*7?:6,K_KY
M-5#;-_\`@/65U)3B9W3.A8E7K=0KLSC81573D/MRS8]WT:Z,3(?;3ZC_`*7Z
M.IFQGZ:WTZJGV+&I^LN=^RSG]+&%1AU-?:_%]-]M=530ST*?MV"]N']LN=OL
MLQ:O6R*_M6/2S'M])]EVCUCZGLZW=;;U'+-NZVOT*]@#*<9L?:<.EN_^>SOT
MOVG._GOYJO\`F:/26EF])^U7X(%OI=/PG>H["8T!MEE9K=@;G#Z%6'8SUFTL
M^G;Z'^B24\K=U/KG00W$OR*#U#J1=FYAIQWWVU&TBBJFMAS/UJ]V0[&Z7TIG
MI>E]FQ'WW_H<6Q=!TWK5M5-M'6B*LG!H&3F7G8VME3WW-Q1D[+;&,S7X]'JY
M-='JXS'_`,U;Z=E"MW=#Z=D7Y=U[7V/S12VWWN;M^S%]F*['=6YC\=]5MC[F
M6TO]3U?TBJCZK88HRJ1D9`=E9-.8,@OWW,LQQC_9_P!+D"[UJZ[,1MK:LEEU
M7\A)2+ZTY5N1T%F/@TOR+>KN9151I2]]3VNR<RK=E>G]EM?TVC+_`)[^:M_E
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MH7E^/T3`L->;U&=UC';7LI;_`#KJWCWU6V^YK+O\#2S*R:?UC'IHNLCZOUU9
M-^1@YF3@_:WFV^NIU;F.M=M#[]F73E;'N:QG\ULK1,/HM.-U&WJ=MMF7G6U,
MQQ?<*PYE+#ZGHU_9ZJ&-99<YU]OM][_^+K24X\_8^KG$Z94PVXF-7T_IU`$5
MUO?MR^I9-M8._P"RX^/^R7V/W^^WTL7U?M&56K'6LC$Z=7@8N9D[<3&<<W.R
M+W2XUXQ:ZMSOWKKNJ787IU5,_2?S5-?^#6G@=(P\'(R\NH.?E9UALOOL.YY$
MGTJ6G391CM=LIK_]&[[%SO4_JZ_ZS975+7Y+C76\8.'4^/L[`UE8S,OTJP/M
M.9C/OSJ\.R]_ZME?\77:DIOU_7;I=G3'YS*[7V55/R;L)H:+ZJ&&?M.37<ZE
MM#;,=]>56U[]]]+_`-5^TK+Q;L_$RJ^I=7LOQ[\US^I.Z?A!OMI8VO&_RI;D
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M>TO%#"YM8^D]_P!&JEG_``EUNRJO^6]1Z1A/P>G48UKQ;>UN[(M'#[GDW95W
M_7<BRRQ`Z]Z/HX?J[)^VXWI^KZOI[_5;_.?9O;ZFW=]B^U?JO[1^Q_X7T5II
M*4DDDDI22222G__9_^T2.E!H;W1O<VAO<"`S+C``.$))300$``````!.'`(`
M``(``AP"4``(<G(Q,S4Y,#,<`@4`-4UI8W)O<V]F="!7;W)D("T@17AH:6)I
M="`Y.2XR(%!E;W!L97,@4')O>'D@0V%R9"YD;V-X.$))300E```````0%ESX
MR,YNU?45<<*D#\X=YCA"24T#[0``````$`$L`````0`!`2P````!``$X0DE-
M!"8```````X`````````````/X```#A"24T$#0``````!````'@X0DE-!!D`
M``````0````>.$))30/S```````)```````````!`#A"24T$"@```````0``
M.$))32<0```````*``$``````````CA"24T#]0``````2``O9F8``0!L9F8`
M!@```````0`O9F8``0"AF9H`!@```````0`R`````0!:````!@```````0`U
M`````0`M````!@```````3A"24T#^```````<```____________________
M_________P/H`````/____________________________\#Z`````#_____
M________________________`^@`````____________________________
M_P/H```X0DE-!`@``````!`````!```"0````D``````.$))300>```````$
M`````#A"24T$&@`````#00````8``````````````%D```%(````!@!D`',`
M<``S`#<`-0````$``````````````````````````0`````````````!2```
M`%D``````````````````````0`````````````````````````0`````0``
M`````&YU;&P````"````!F)O=6YD<T]B:F,````!````````4F-T,0````0`
M````5&]P(&QO;F<``````````$QE9G1L;VYG``````````!"=&]M;&]N9P``
M`%D`````4F=H=&QO;F<```%(````!G-L:6-E<U9L3',````!3V)J8P````$`
M``````5S;&EC90```!(````'<VQI8V5)1&QO;F<`````````!V=R;W5P241L
M;VYG``````````9O<FEG:6YE;G5M````#$53;&EC94]R:6=I;@````UA=71O
M1V5N97)A=&5D`````%1Y<&5E;G5M````"D53;&EC951Y<&4`````26UG(```
M``9B;W5N9'-/8FIC`````0```````%)C=#$````$`````%1O<"!L;VYG````
M``````!,969T;&]N9P``````````0G1O;6QO;F<```!9`````%)G:'1L;VYG
M```!2`````-U<FQ415A4`````0```````&YU;&Q415A4`````0```````$US
M9V5415A4`````0``````!F%L=%1A9U1%6%0````!```````.8V5L;%1E>'1)
M<TA434QB;V]L`0````AC96QL5&5X=%1%6%0````!```````):&]R>D%L:6=N
M96YU;0````]%4VQI8V5(;W)Z06QI9VX````'9&5F875L=`````EV97)T06QI
M9VYE;G5M````#T53;&EC959E<G1!;&EG;@````=D969A=6QT````"V)G0V]L
M;W)4>7!E96YU;0```!%%4VQI8V5"1T-O;&]R5'EP90````!.;VYE````"71O
M<$]U='-E=&QO;F<`````````"FQE9G1/=71S971L;VYG``````````QB;W1T
M;VU/=71S971L;VYG``````````MR:6=H=$]U='-E=&QO;F<``````#A"24T$
M*```````#`````$_\````````#A"24T$$0```````0$`.$))3004```````$
M`````CA"24T$#``````,)`````$```"@````*P```>```%"@```,"``8``'_
MV/_@`!!*1DE&``$"`0!(`$@``/_M``Q!9&]B95]#30`"_^X`#D%D;V)E`&2`
M`````?_;`(0`#`@("`D(#`D)#!$+"@L1%0\,#`\5&!,3%1,3&!$,#`P,#`P1
M#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`$-"PL-#@T0#@X0%`X.#A04
M#@X.#A01#`P,#`P1$0P,#`P,#!$,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,_\``$0@`*P"@`P$B``(1`0,1`?_=``0`"O_$`3\```$%`0$!`0$!````
M``````,``0($!08'"`D*"P$``04!`0$!`0$``````````0`"`P0%!@<("0H+
M$``!!`$#`@0"!0<&"`4###,!``(1`P0A$C$%05%A$R)Q@3(&%)&AL4(C)!52
MP6(S-'*"T4,')9)3\.'Q8W,U%J*R@R9$DU1D1<*C=#87TE7B9?*SA,/3=>/S
M1B>4I(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]C='5V=WAY>GM\?7Y_<1``("
M`0($!`,$!08'!P8%-0$``A$#(3$2!$%187$B$P4R@9$4H;%"(\%2T?`S)&+A
M<H*20U,58W,T\24&%J*R@P<F-<+21)-4HQ=D154V=&7B\K.$P]-UX_-&E*2%
MM)7$U.3TI;7%U>7U5F9VAI:FML;6YO8G-T=79W>'EZ>WQ__:``P#`0`"$0,1
M`#\`[G$S.M=9K.7A64].P7.<RGU:G79#]CG5.ML:ZW'KP_<S^C659%W^F]&S
M]`CLZ?UYFO[6%A["S&9'S])]+O\`IK4``X$?[5G?;\C(ZV<'%V_9L*O?U"QS
M=TV6C]5Q*7M>W9:UGZUE;V>RG['_`-RM]24L!]9*6N+CAYSH]K6BW#U\"2_J
MN[_H)4]<K%E='4<>WIM]I:Q@OVFI[W$-;73F4.MQG66/]M-%ME.5=_W&6FLG
M/ZWT=XMZ>T#JM[P:[>G8P;>\AWL<W)K+O0QZ?=[[,ZRBC^6DIUDESV-E]3H;
MC]!QGLR.J4UBW,R+=]E.-2]S_L]=MDU79V3Z;?L]&Y^/=E_9[<_*]#^;NZ%)
M2DDD+%RL7,H;DXES,BBR=EU3@]CH.T[;&%S'>X)*2I(.9F8V%C/RLIXKIK`W
M.@DR3L8QC&;GV6V/<VNJJMOJVV_HZ_TBP>H]5ZRW%9FO:>GUW6-JP^G-%;\W
M(M>2**7W7.MP</U?IW5^EE>CC,^T/RJ/TM524](DAT&XTUG(:UMY:/5;62Y@
M?'O;6]S:W/9N^@YS&)WW55NK98]K'7.V5-<0"YP:ZW96#]-_I5V6?U*TE,TD
MDDE*25/+Z@,?,PL1K/4?FV/:=8V5UUV767_1=O\`TK:,?_T(2ZOFG`Z7E9C1
MNLHJ<ZIG[UD?H:A_*MMV5I*1=)NRLJ[.RK7G[.<AU.'7I`KH_06V:#=ONS&Y
M7YW\Q]G6BJO3,)O3^G8V"P[AC5,JW]W%H#76._E6.][E3R;+LOK^/A56NKHP
M*OM>6&.+2]]N_'P*+-I]]'LS;[JO])3B)*=9,"#,&8T*!U'+&%T_)S")&-39
M<1Y5M=9_WU`Z#B'#Z-AT/UM%377O/+[GCU,FZS_A;[WV6V_\(])3_]#T'K%W
M4L2C(SF9E%&'CUFU[78S[;`UC=]NU[<NAKW/V_H_T*J]*Z'U"O"8_+ZA?5EY
M,WY[*10&FZP3:WU78]N1LH]N-C_K'LQZ**_\&M'JF%9G5T4`M%(R*K<@.F2R
MEWVEC*_Z^350VS?_`(#UE=24XF=TSH6)5ZW4*[,XV$55TY#[<LV/=]&NC$R'
MVT^H_P"E^CJ9L9^FM].JI]BQJ?K+G?LLY_2QA48=37VOQ?3?;754T,]"G[=@
MO;A_;+G;[+,6KULBO[5CTLQ[?2?9=H]8^I[.MW6V]1RS;NMK]"O8`RG&;'VG
M#I;O_GL[]+]ISOY[^:K_`)FCTEI9O2?M5^"!;Z73\)WJ.PF-`;996:W8&YP^
MA5AV,]9M+/IV^A_HDE/*W=3ZYT$-Q+\B@]0ZD79N8:<=]]M1M(HJIK8<S]:O
M=D.QNE]*9Z7I?9L1]]_Z'%L70=-ZU;53;1UHBK)P:!DYEYV-K94]]S<49.RV
MQC,U^/1ZN371ZN,Q_P#-6^G90K=W0^G9%^7=>U]C\T4MM][F[?LQ?9BNQW5N
M8_'?5;8^YEM+_4]7](JH^JV&*,JD9&0'9633F#(+]]S+,<8_V?\`2Y`N]:NN
MS$;:VK)9=5_(24B^M.5;D=!9CX-+\BWJ[F454:4O?4]KLG,JW97I_9;7]-HR
M_P">_FK?Y:)]6V9%]`ZG;EA]-[=F-@8[=F-C5LBO[,UKZZLBS)I?6^O(LR&T
M_I/T/V3%V>DK-/1FUY>/E79-V59C"W:;RUTOM%3/6#:VU55.JIJMI8VBJMGZ
MS<IX/2OL.7D74Y-IQ<ESK?L3MIK9;8[U,BZE^S[0WUK-]OI>MZ7JW7_V$IJ4
ML_:G7KLFSW8G1W>ABLGVG*>QMN5E%OT7?9Z+JL3&?_@K/VBJG4NO_55G7\:O
M*R1;G=/KOL#6/!91H*[7VU!V^W,>W]7Q\>FO(R_TMGZ#TW^JK#L+KN#]IQNF
MLJMQLNZR]F2ZWT[Z77N]6YOI/Q<O'O\`3M=8^BU_YGIT_9;?0_3\WT3HO5/V
MCD#';C]0HZ7DESFY5KBUV8Y]^6-F>RK(R<AW2*\W^<R\+?;U',S+/^T>']E2
MGJ*NK]7S<;&R.F].J>+?4;DMR<DTFBVEQHMH=Z.-F>MMNKMKWU_Z-<]?]9+,
M7-9]8.I58AKMIMQ^EU_:RUP;6VR_)S*&Y%%3;L;J-M--7VIGO^S5X?V>K(^U
M?I-8?5?J!K;4_J;FU/W')IK8YK'')NNS.KNK++6;7Y;KOLV)99ZK^FXOJ>A^
MM7?:4O\`F1@W,L?G6NOS++&QD5CT6UXS#M9TC%HK=MIZ:[%=9CWX^^S[1ZUN
M1;^E]/TDIO=&Z\SJECZ&X]S+<:JIV7:ZM]53;K&BS[+7]J;1E/L:QWK?T;^9
MLI_TRK_67J%Y?C]$P+#7F]1G=8QVU[*6_P`ZZMX]]5MON:R[_`TLRLFG]8QZ
M:+K(^K]=63?D8.9DX/VMYMOKJ=6YCK7;0^_9ETY6Q[FL9_-;*T3#Z+3C=1MZ
MG;;9EYUM3,<7W"L.92P^IZ-?V>JAC667.=?;[?>__BZTE.//V/JYQ.F5,-N)
MC5]/Z=0!%=;W[<OJ63;6#O\`LN/C_LE]C]_OM]+%]7[1E5JQUK(Q.G5X&+F9
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M;<*_U\?T?4NJ]3TL??\`IE)]WUBP^LT]-;G8]N/?6;:;<VF+K7,</7PJ;,)^
M+C>I5C[K_4?B[_\`18^4RG+^S5\OI]>59CU]"PWD4Y-61E9=Y=75<*=[ZJ+L
MF_UL[-V7^CDTNJHOQOT7])J6F.@V9=V/D]9RW9EN+:+\>FD'&QZ[6_0M956^
MS(M>UNYGZUEY%/OL_0I*?__1]522224I))))2DDDDE*22224I4>C=-/2^G5X
MCKCDV@OLOR'-#39;:]^1DW>FWVU^I?:]WI_X-7DDE*23.[?'NG24I))))35Z
MIGLZ=T_(SGM+Q0PN;6/I/?\`1JI9_P`)=;LJK_EO4>D83\'IU&-:\6WM;NR+
M1P^YY-V5=_UW(LLL0.O>CZ.'ZNR?MN-Z?J^KZ>_U6_SGV;V^IMW?8OM7ZK^T
M?L?^%]%::2E))))*4DDDDI__V3A"24T$(0``````4P````$!````#P!!`&0`
M;P!B`&4`(`!0`&@`;P!T`&\`<P!H`&\`<````!(`00!D`&\`8@!E`"``4`!H
M`&\`=`!O`',`:`!O`'``(`!#`%,````!`#A"24T$!@``````!P`(`````0$`
M_^$<UVAT='`Z+R]N<RYA9&]B92YC;VTO>&%P+S$N,"\`/#]X<&%C:V5T(&)E
M9VEN/2?ON[\G(&ED/2=7-4TP37!#96AI2'IR95-Z3E1C>FMC.60G/SX*/'@Z
M>&UP;65T82!X;6QN<SIX/2=A9&]B93IN<SIM971A+R<@>#IX;7!T:STG6$U0
M('1O;VQK:70@,RXP+3(X+"!F<F%M97=O<FL@,2XV)SX*/')D9CI21$8@>&UL
M;G,Z<F1F/2=H='1P.B\O=W=W+G<S+F]R9R\Q.3DY+S`R+S(R+7)D9BUS>6YT
M87@M;G,C)R!X;6QN<SII6#TG:'1T<#HO+VYS+F%D;V)E+F-O;2]I6"\Q+C`O
M)SX*"B`\<F1F.D1E<V-R:7!T:6]N(')D9CIA8F]U=#TG=75I9#ID-V0S-CAD
M9"UF,#DX+3$Q930M831A-RTY-S4V9C9D8F,S-S@G"B`@>&UL;G,Z97AI9CTG
M:'1T<#HO+VYS+F%D;V)E+F-O;2]E>&EF+S$N,"\G/@H@(#QE>&EF.D-O;&]R
M4W!A8V4^-#(Y-#DV-S(Y-3PO97AI9CI#;VQO<E-P86-E/@H@(#QE>&EF.E!I
M>&5L6$1I;65N<VEO;CXS,C@\+V5X:68Z4&EX96Q81&EM96YS:6]N/@H@(#QE
M>&EF.E!I>&5L641I;65N<VEO;CXX.3PO97AI9CI0:7AE;%E$:6UE;G-I;VX^
M"B`\+W)D9CI$97-C<FEP=&EO;CX*"B`\<F1F.D1E<V-R:7!T:6]N(')D9CIA
M8F]U=#TG=75I9#ID-V0S-CAD9"UF,#DX+3$Q930M831A-RTY-S4V9C9D8F,S
M-S@G"B`@>&UL;G,Z<&1F/2=H='1P.B\O;G,N861O8F4N8V]M+W!D9B\Q+C,O
M)SX*("`\<&1F.E!R;V1U8V5R/E1O;VQK:70@:'1T<#HO+W=W=RYA8W1I=F5P
M9&8N8V]M/"]P9&8Z4')O9'5C97(^"B`\+W)D9CI$97-C<FEP=&EO;CX*"B`\
M<F1F.D1E<V-R:7!T:6]N(')D9CIA8F]U=#TG=75I9#ID-V0S-CAD9"UF,#DX
M+3$Q930M831A-RTY-S4V9C9D8F,S-S@G"B`@>&UL;G,Z<&1F>#TG:'1T<#HO
M+VYS+F%D;V)E+F-O;2]P9&9X+S$N,R\G/@H@(#QP9&9X.D%05$M615(^-2XU
M+C`N,34P,C@@4')O(%!R;V1U8W1I;VXM,S(\+W!D9G@Z05!42U9%4CX*(#PO
M<F1F.D1E<V-R:7!T:6]N/@H*(#QR9&8Z1&5S8W)I<'1I;VX@<F1F.F%B;W5T
M/2=U=6ED.F0W9#,V.&1D+68P.3@M,3%E-"UA-&$W+3DW-39F-F1B8S,W."<*
M("!X;6QN<SIP:&]T;W-H;W`])VAT='`Z+R]N<RYA9&]B92YC;VTO<&AO=&]S
M:&]P+S$N,"\G/@H@(#QP:&]T;W-H;W`Z0V]L;W)-;V1E/C,\+W!H;W1O<VAO
M<#I#;VQO<DUO9&4^"B`@/'!H;W1O<VAO<#I(:7-T;W)Y/CPO<&AO=&]S:&]P
M.DAI<W1O<GD^"B`\+W)D9CI$97-C<FEP=&EO;CX*"B`\<F1F.D1E<V-R:7!T
M:6]N(')D9CIA8F]U=#TG=75I9#ID-V0S-CAD9"UF,#DX+3$Q930M831A-RTY
M-S4V9C9D8F,S-S@G"B`@>&UL;G,Z=&EF9CTG:'1T<#HO+VYS+F%D;V)E+F-O
M;2]T:69F+S$N,"\G/@H@(#QT:69F.D]R:65N=&%T:6]N/C$\+W1I9F8Z3W)I
M96YT871I;VX^"B`@/'1I9F8Z6%)E<V]L=71I;VX^,S`P+S$\+W1I9F8Z6%)E
M<V]L=71I;VX^"B`@/'1I9F8Z65)E<V]L=71I;VX^,S`P+S$\+W1I9F8Z65)E
M<V]L=71I;VX^"B`@/'1I9F8Z4F5S;VQU=&EO;E5N:70^,CPO=&EF9CI297-O
M;'5T:6]N56YI=#X*(#PO<F1F.D1E<V-R:7!T:6]N/@H*(#QR9&8Z1&5S8W)I
M<'1I;VX@<F1F.F%B;W5T/2=U=6ED.F0W9#,V.&1D+68P.3@M,3%E-"UA-&$W
M+3DW-39F-F1B8S,W."<*("!X;6QN<SIX87`])VAT='`Z+R]N<RYA9&]B92YC
M;VTO>&%P+S$N,"\G/@H@(#QX87`Z0W)E871E1&%T93XR,#$U+3`U+3`Q5#$V
M.C0S.C4U+3`U.C`P/"]X87`Z0W)E871E1&%T93X*("`\>&%P.D-R96%T;W)4
M;V]L/D%D;V)E(%!H;W1O<VAO<"!#4R!7:6YD;W=S/"]X87`Z0W)E871O<E1O
M;VP^"B`@/'AA<#I-971A9&%T841A=&4^,C`Q-2TP-2TP,E0Q,CHT,SHQ,"LP
M-3HS,#PO>&%P.DUE=&%D871A1&%T93X*("`\>&%P.DUO9&EF>41A=&4^,C`Q
M-2TP-2TP,E0Q,CHT,SHQ,"LP-3HS,#PO>&%P.DUO9&EF>41A=&4^"B`\+W)D
M9CI$97-C<FEP=&EO;CX*"B`\<F1F.D1E<V-R:7!T:6]N(')D9CIA8F]U=#TG
M=75I9#ID-V0S-CAD9"UF,#DX+3$Q930M831A-RTY-S4V9C9D8F,S-S@G"B`@
M>&UL;G,Z<W12968])VAT='`Z+R]N<RYA9&]B92YC;VTO>&%P+S$N,"]S5'EP
M92]297-O=7)C95)E9B,G"B`@>&UL;G,Z>&%P34T])VAT='`Z+R]N<RYA9&]B
M92YC;VTO>&%P+S$N,"]M;2\G/@H@(#QX87!-33I$;V-U;65N=$E$/GAM<"YD
M:60Z13=$,3$S1D4U1$8P130Q,3@V03$X.#DX.3)%139$1C4\+WAA<$U-.D1O
M8W5M96YT240^"B`@/'AA<$U-.DEN<W1A;F-E240^>&UP+FEI9#I%.$0Q,3-&
M135$1C!%-#$Q.#9!,3@X.3@Y,D5%-D1&-3PO>&%P34TZ26YS=&%N8V5)1#X*
M("`\>&%P34TZ3W)I9VEN86Q$;V-U;65N=$E$/G5U:60Z93(Q.3,S,&(M9#,U
M92TT-V,P+6%A96$M,SAB,C8R8F9C835C/"]X87!-33I/<FEG:6YA;$1O8W5M
M96YT240^"B`@/'AA<$U-.DAI<W1O<GD^"B`@(#QR9&8Z4V5Q/@H@("`@/')D
M9CIL:2\^"B`@("`\<F1F.FQI+SX*("`@(#QR9&8Z;&DO/@H@("`@/')D9CIL
M:2\^"B`@("`\<F1F.FQI+SX*("`@/"]R9&8Z4V5Q/@H@(#PO>&%P34TZ2&ES
M=&]R>3X*("`\>&%P34TZ1&5R:79E9$9R;VT@<F1F.G!A<G-E5'EP93TG4F5S
M;W5R8V4G/@H@("`\<W12968Z:6YS=&%N8V5)1#YX;7`N:6ED.D4W1#$Q,T9%
M-41&,$4T,3$X-D$Q.#@Y.#DR144V1$8U/"]S=%)E9CII;G-T86YC94E$/@H@
M("`\<W12968Z9&]C=6UE;G1)1#YX;7`N9&ED.D4W1#$Q,T9%-41&,$4T,3$X
M-D$Q.#@Y.#DR144V1$8U/"]S=%)E9CID;V-U;65N=$E$/@H@("`\<W12968Z
M;W)I9VEN86Q$;V-U;65N=$E$/G5U:60Z93(Q.3,S,&(M9#,U92TT-V,P+6%A
M96$M,SAB,C8R8F9C835C/"]S=%)E9CIO<FEG:6YA;$1O8W5M96YT240^"B`@
M/"]X87!-33I$97)I=F5D1G)O;3X*(#PO<F1F.D1E<V-R:7!T:6]N/@H*(#QR
M9&8Z1&5S8W)I<'1I;VX@<F1F.F%B;W5T/2=U=6ED.F0W9#,V.&1D+68P.3@M
M,3%E-"UA-&$W+3DW-39F-F1B8S,W."<*("!X;6QN<SID8STG:'1T<#HO+W!U
M<FPN;W)G+V1C+V5L96UE;G1S+S$N,2\G/@H@(#QD8SIF;W)M870^:6UA9V4O
M:G!E9SPO9&,Z9F]R;6%T/@H@(#QD8SIT:71L93X*("`@/')D9CI!;'0^"B`@
M("`\<F1F.FQI('AM;#IL86YG/2=X+61E9F%U;'0G/DUI8W)O<V]F="!7;W)D
M("T@17AH:6)I="`Y.2XR(%!E;W!L97,@4')O>'D@0V%R9"YD;V-X/"]R9&8Z
M;&D^"B`@(#PO<F1F.D%L=#X*("`\+V1C.G1I=&QE/@H@(#QD8SIC<F5A=&]R
M/@H@("`\<F1F.E-E<3X*("`@(#QR9&8Z;&D^<G(Q,S4Y,#,\+W)D9CIL:3X*
M("`@/"]R9&8Z4V5Q/@H@(#PO9&,Z8W)E871O<CX*(#PO<F1F.D1E<V-R:7!T
M:6]N/@H*/"]R9&8Z4D1&/@H\+W@Z>&UP;65T83X*("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@(`H@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@"B`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`*("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@(`H@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@"B`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`*("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@(`H@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@"B`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`*("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@(`H@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@"B`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`*("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@(`H@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@"B`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`*("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@(`H@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@"B`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`*("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@(`H@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@"B`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`*("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M(`H@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@"B`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`*("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@(`H@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M"B`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`*("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@(`H@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@"B`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`*
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@(`H@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@"B`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`*("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@(`H@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@"B`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`*("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@(`H@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@"B`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`*("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@(`H@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@"CP_>'!A8VME="!E;F0]
M)W<G/S[_[@`.061O8F4`9$`````!_]L`A``!`0$!`0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`@("`@("`@("`@(#`P,#`P,#`P,#
M`0$!`0$!`0$!`0$"`@$"`@,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#`P,#`P,#`P,#`P/_P``1"`!9`4@#`1$``A$!`Q$!_]T`!``I
M_\0!H@````8"`P$`````````````!P@&!00)`PH"`0`+`0``!@,!`0$`````
M```````&!00#!P((`0D`"@L0``(!`P0!`P,"`P,#`@8)=0$"`P01!1(&(0<3
M(@`(,11!,B,5"5%"%F$D,Q=2<8$88I$E0Z&Q\"8T<@H9P=$U)^%3-H+QDJ)$
M5'-%1C='8RA55E<:LL+2XO)D@W23A&6CL\/3XRDX9O-U*CDZ2$E*6%E:9VAI
M:G9W>'EZA8:'B(F*E)66EYB9FJ2EIJ>HJ:JTM;:WN+FZQ,7&Q\C)RM35UM?8
MV=KDY>;GZ.GJ]/7V]_CY^A$``@$#`@0$`P4$!`0&!@5M`0(#$00A$@4Q!@`B
M$T%1!S)A%'$(0H$CD152H6(6,PFQ),'10W+P%^&"-"624QAC1/&BLB8U&50V
M160G"G.#DT9TPM+B\E5E=58WA(6CL\/3X_,I&I2DM,34Y/25I;7%U>7U*$=7
M9CAVAI:FML;6YO9G=X>7I[?'U^?W2%AH>(B8J+C(V.CX.4E9:7F)F:FYR=GI
M^2HZ2EIJ>HJ:JKK*VNKZ_]H`#`,!``(1`Q$`/P#?,WSOO8_6.TL[O[LK>6U.
MO=B;6H),IN?>N^-Q8C:>TMN8R)E67(9W<>>K,?A\101NZAIJB:.,$@$\^_=>
MZJL?^>7\`,XE?)TYFOD3\FX,?DAASDOC'\/?E)W5MO(9'[FHIY8,%O7:G4T^
MR-Q)"M*\OEH,E4P20@-&[W`]^Z]U`'\Y;8DN12D3X"_S=(:)*N=#F)?Y;_>[
M8VKI(X"T55$JT(RD--6/(IB+THF!0AXT!O[]U[I:T/\`.`^/45-'6[YZ!_F)
M=3T4LDT*5G8O\NCY@4=&98F<+&:O;?4VYZ='GC76@9A=#S9K@>Z]UGVM_.Z_
ME2;IS<.W6^;W3VQLY/4-2Q8KNA]T=!5IG0QJ0T?=^W>OBB$RKI8V1M0L3[]U
M[JS/;.Z]L;SP]'N#:&X<)NC!9"&*HH<QM[*T.9QE7!,@DBEIJ_'3U%+-')&P
M92K$$&X]^Z]T_P#OW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z]
M[]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7
MNO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[HCNY_EEGV_F`]9
M?"'KW9F)W##'\?-X?);Y%[\RN3R=(W66Q:C<L?7/2F`VU1T.-J\=FMX]G;_I
M<M))!6U5%]IA<%55$:SLZA/=>Z/%[]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>
MZ][]U[K_T+-_A;\=^P/YR/S*^2?R[_F9X_<5-U=\,/DYN_H/XW?RSMW0I4].
M[`RNRL)CZJE[@[PV7E9ZO']E;YW%B-U05E)-68^*BK"150O48EJ"D@]U[K:X
MI*2DQ])34%!34]%045/#24='20QTU)1TE-&L-/34U/"J0T]/3PH$1$`5%```
M`]^Z]U)]^Z]U[W[KW27W5LK9V^L?)B-Z[2VSO'$30U%--B]U8'%;@QTM/5!%
MJH)*'+4E73/#4K&HD4J5<*+@V'OW7NB/[O\`Y6'P/W(:NJVST%@^BMP5,%4D
M>\/BQG=V?%;=E+5U,11,NN9^/N=ZZ>OR]&]I(9:U:H*ZBZD$@^Z]T`N"^'G\
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M=>]^Z]U[W[KW6.22."-YIG2**)&DEED8)''&@+.[NQ"HB*"22;`>_=>ZJ6_E
MF;+EWKV=\^/G3FA439?Y<?(Z/:VQIJT^66@Z`^+.!/375F,Q\T3&A3#Y#-TV
MX<TJ4X*M49>6221Y68)[KW5MOOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWO
MW7NO_]'?+PFPMD;9W'O/=^W=H[;P6ZNQJ_#Y/?\`N/$8;'X[-[UR6WL)2;;P
M60W5DJ2GAJ\]78?;M!!04TM2\LD-'!'"I$:*H]U[I6^_=>Z][]U[H%=G?(SH
MWL/N#M7H+8G9VUMW=P=&4&T<CW%L;;U:^5RG6L>_(,A5[/H]X3T<4N-PF:SU
M#BYJF''S3K7_`&JK,T*Q21NWNO=#5[]U[KWOW7NO>_=>Z#/N'IKJCY!=<;IZ
M@[PZ[V?VMUAO7'MC-T[%WU@J#<6W,S2ZTFA-1CLC#-$E70U,:3TM3'HJ*2IC
M2:%XY41U]U[JLWX;[KW_`/%KYD]C_P`L+L#L3=_<?7,'0U#\L?A=V%O_`"V3
MWEVGMOI*GW]'U?VET)V[O[)`9#>%1U%OS,8=]H9C(-596OVQF%I*ZKJ:G&-+
M)[KW5MN6R^*P&,R.<SN3Q^%PF'HJG)9;,9:MIL=BL7CJ*%ZBMK\CD*R2&DHJ
M*DIXV>665UCC12S$`7]^Z]TR;&WYL?L_:6!W_P!:[SVIV'L3=-"N4VQO78^X
ML1NS:6XL:\DD29#!;CP%97X?+T+2Q,HEIYI(RRD7N#[]U[I6>_=>Z][]U[KW
MOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[HFWRB_F!_#SX:SX3#_(/O+:NTM\[
MK$9V3U#A(<QV#WEOYZB22"F78G2/7F,W3VINZ*>JB,/GH<3-31RD"21+W]^Z
M]TKOCG\H<'\CL=5U]!U+W_TW,E!2YG%83Y#]5Y/J/<^XL!5S24RYW%;8S59/
MG*>CIZA42>'(04-;`TT7D@42*??NO=&;]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7
MO?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW5?/\TWNK.]%_!'Y`[DV7524O9F[
M]J+T_P!2^&C:NJ)^TNXZVFZYV2E-!Y8(Q+!EMQ+/KDDCBB$)=V"@GW[KW1BO
MBUTC@OC9\<.D.AMN8^EQN,ZIZRVALUX*/R&&;*XK#TJ9[),\M572RU.9SS5-
M7,[32M)-.S%V)N?=>Z'SW[KW4>JJJ:AIJBMK:B"DHJ2":JJZNJFCIZ:EIJ>-
MI9ZBHGE9(H(((D+.[$*J@DD`>_=>ZK(_EI?,?O+YVX[Y`?(7.]>;3V5\.\[V
ME4;=^!VXJ0Y"/L7MWJG8U?N/9>]>V]^T-7E:R"@P^^-ZX`UNV52EQTC8:52\
M4R^.KJ/=>ZL_]^Z]TFMY[OV]U_L_=>_-W9.FPFU-D;:SN[]SYFMEC@H\1M[;
M>+JLSFLG5SRLD4--08VBEED9F"JB$D@>_=>ZJ9_DW;!R.^^@9?YB7;E+O&K^
M2_\`,(DJ^\-TUF^<U4Y6?K[H[-[CSV5^-_1W7V,\QQ6U>K]B]4Y#'5-)34\2
MU-;6Y"HJZR6::1?'[KW5Q?OW7NO_TM_CW[KW7O?NO=$F_F'?+J+X0_$GM/OR
M@VX^^^PL?3X38W2'65-Y9*_M/OWL[.X_873/7='3TQ%;/'N3?V?HDK&@#2T^
M-2IJ`+0GW[KW2*_EF?"FN^$?QOCVQO[=D_9GR1[FWEG_`)!?+7MVN,,E;V3\
MBNS%H\AOO(4\T,4*KM7;1IX<+@X0J)%BL?"VA9))+^Z]U8=[]U[KWOW7NDSO
M'>FSNO-N93>._P#=FV=C;1P=.U7FMT[PSV+VSMS$4J\-4Y3.9JJHL9CZ=;\O
M+*BC^OOW7NJFM]?S<]F=J;I;I7^5]U_'_,:[R?(/B]P[JZYW0V!^'71D!6!_
M[R]Z?+*'";BZ_BB%+-+4T6`VM_>'<68^RE@BIX&:*5O=>Z'3XD?%/=WQ\RW<
M'RR^8W>>W>Z_EEV[M[&+VQVM381.N>D^C>H=CC*[@PW0_0&VL_FLU6=?]%[!
MJLG6U]?D<GD9<MNG):\SF9!/XH:7W7NB)=3[>W#_`#O=WR?(#N1=S[9_E2[`
MWODL;\;/C+5+68BE^?V7V9FGIS\EODS03T\#;A^,K9FAU[&V#.'HL^],N7S2
M-"M-0S>Z]U?!M+9^TM@[;Q&S=B;8V[LK:&WJ1<?@-J[2PF-VYMO!4".\BT6'
MP>'IJ/%XVD5Y&81PQ(@+$VY]^Z]TI/?NO=>]^Z]U[W[KW2'S/9G7&W-Z;/ZW
MW#V!LC`]B=AQ9R?8&PLSNO`XS>F^8-LT)RFY9MG;6KJ^#.;FBV_C%-17-103
MBD@'DET)S[]U[I<>_=>Z][]U[KWOW7NJ6MX_+/Y+_/?M/??QW_ELYG#=5]'=
M7;JGV/\`([^9+NC`TN\<+2;BQCO%N;J/X/[+KZ:MVAW%VS@Z^)J#.;JS;-M+
M:<BS*M-E:TTT1]U[HPVR?C_\)?Y5'1?;7R&RZFBFVCL[,;Z^0GRU[KS@[(^2
MW;@QD"U5;DNS>Z=TC^^&]LYG,C''!B\+#/3XU*VHAH\70TZO%![]U[HG7\KZ
M+Y%_/'LR7^;/\ELWV'U1L_<V'W_UG\(_A?39";`[9ZLZ&R.<H:+)]G]VTV/F
M3_2)W;VC6[7CJ#%6:Z#;U-&J0*TK0K0^Z]U?)[]U[KWOW7NF[+9;%8#%9/.Y
MW)8_"X3"X^LRN8S&6K:;'8K$XO'4\E7D,EDLA620TE#CZ&DA>6::5TCBC0LQ
M`!/OW7NN>-R6.S6.Q^8P^0HLKB,K14F3Q65QE7!7XW)XVO@CJJ'(8^NI9)::
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MG.J=F]$]2]9=*]=XFDP6P^IMA[4ZZVAB*&FBI*6@V[L[!T6`Q,$5/`!&A%'0
M(6(N6<DDDDGW[KW0E>_=>ZK"_G/[YR'7G\K/YO9[$QRS97(='9_9..@@=!)-
M5=D5F.Z]11%(&CK(U3<[/)3L"M1$K1L"K'W[KW1W?CWLZ#KOH3I#K^EAI*>F
MV-U#UKL^G@H$CCH88=M;-PN&CBHXX8X8DI42B`C"HJA+6`''OW7NA@]^Z]U_
M_]/>]WQVAUIUE#C*CLCL38W7U/FJF:CP\^^-VX#:<.6JZ:+[BHI<9+GLA0)7
MU,%.=;I$794]1`'/OW7N@$WO\^O@KUI'%+V)\T?BAL5)J&JR=/\`WO\`D1U%
MMUZK'T3:*NLI(LMN^CDJZ>GD]+M&&`8Z?J;>_=>ZHO[8_F,_#/Y@?S-NBHHN
MSI^W?BK\#-J3]W;%GZ1V'W'WW2_(#YO]C2Y/9&SJ[8^*Z5V3OK"[RVK\5>L8
MLM5UF8\JQ8W<NZZ:*Y,$C+[KW5H-!_,TRF]9JNEZ?_EX_P`R#L9C3+/@\SGO
MCY@N@]HYUI%C,`CSGR/[%ZFK\?3RM)8R3T"E=))73S[]U[KCD>W/YMW9>.F_
MT7?#KXK?&R=:D)#D?E5\F<_VEF)*.4$?<G8'QHV#D\$M51LNHP'>@2<-831$
M$GW7NO4GQ'^?':V+>F^2_P#,AS^T*;(0.:[:GP5Z/V7\?::@J1&8Z88[LOMB
MO^1'9DL,3_N2&*HH/*QTE54`'W7N@E[+_EK?RK/C]MQODE\Z*EN[:/KN?&BO
M[T_F-]^[W[[P6$J\]FZ'$82!L-W1NK)=28:;([BR$%/14]#@J4-4SI'"ERJ^
M_=>ZMWV?AME;8P=-M+8&*VOM_;6U5CP]'MG9]#B<3@]N*:>#)1XNFPN$BIZ#
M#@TF0CG6!(X_VYU<+I<$^Z]U3!_-%W,WRT^0WQE_DY[4W1-B<3\E\3N;Y`_.
M*IP.X9,#NK%?!OJ'(X^DR'7F-K*&LH<UCZOY,]GU=%M=ZBA9YH\#29@2*L4F
ML>Z]U:OO+M+XZ?%;K.*??_8?470/4W6.T\10TS[LW5M3KO9VS-FX:"'`;?H:
M5<M78S'8O#TD=''0T4*!4+(L$2EK+[]U[HO'QI_FD_R\?F)OVOZM^,_R]Z4[
M=[(Q\64J3L7;FZ4@W5DJ+"QI+ELIMW"9F#%Y#=6(QT#B26LQB5=*D5W,FD$C
MW7NC\^_=>Z][]U[ICW/N7!;,VUN'>&Z,G2X3;.U,'EMR[BS-<_BHL1@L%05&
M4R^3K)+'QTM!CZ6261OPB$^_=>ZUFO@Y0?%G%]/]D?\`"A;^9?/L7`=D=];E
MRW:W2/8/;L[YZ3XN_%/'9#+;:^,_5O1^$K!EJC;&^-[;*<Y&JI]MI-F-Q5VX
M7@TO)//3M[KW5I_\O_\`F,97^8)5;SW=M'X=_)SI3XYT^+Q^7Z9^0G?6#VOL
M;#]^8^JGBBDR6S=@MN"JWW0X.MIIEK<7DI:67'Y&@NYF@G'VQ]U[JS+W[KW5
M,_S-WSOWYH?*#'_RL^CMV;FV/UUA=BXOMK^9-W9L#,U6W]Y]>],;R_B-/U%\
M:>O]ST4<DNWNSOD_78:ODRE6CP5>(V+CJV:G)GKJ=H_=>ZM9ZLZLZZZ0ZZV7
MU'U'LW`=>]9]>;>Q^U=E;*VO018S!;=P.*A6"BQ]!1Q"P55!:21RTL\K-)(S
MR.S'W7NJ-/YX'P]^8O\`,DW'\1/@STI197K?XM9CLZB[U^8GR8BW!CL0=I[>
MZUR=&-C=?[,Q2Y-<WNG?66R%56Y.DIA0ST--DZ/%U51+#'#)(GNO=7K]=[`V
MKU5L/9O6FQL7'A=G;!VSA-H[8Q<;M(*+";?QU/C,=#)/(3-4U`IJ93+-(6EF
MD+.Y+,2?=>Z6?OW7NO>_=>ZH8^<6,J_YF?S=VI_*[Q.3R\'Q2^.>#V5\E_YF
M%;@LID\.G8?]YWK*GXR_"^OR.+G@JEH>S)\?/O/=$!"I-MW%TBPU,-3(%/NO
M=7L8S&8W"8W'X;#8^BQ&'Q%%28S%8K&4E/08W&8V@IXZ6AQ^/H:6.*EHJ&BI
M8ECBBC58XXU"J``![]U[J?[]U[KWOW7NO>_=>ZH=^:?R9[C^6?R<'\MKXC=M
M'X_==;?S>V-I_//YK8;<>,V[OKKW*]A8*OW)L[X@_$?(9!I#E_EMV/LW&U.3
MR>5HJ>L&P=OD5IMD3'%%[KW0@?S>%@W%T3\6?Y=FWY\GE\E\]_DCTW\9LW'D
M-R923<Y^./7[+V_\F]SUVX9ZF3*Y2H'2_65;C*N69YI:ZISB)+<3/(ONO=6*
M?)/OO;7Q>ZF7=/\``'W)N3+9C`=8=*=3X!Z?'Y?M'MK=ADQG7?6&V$\304!R
ME53M)55/C:GQ&'I*NOF44U)*5]U[H6NNH-]T^QMJIVA6X"O[$.%HIMZ3[4IZ
MFFVO'N.IC%1E*+;J5W^7RX/&5,K4U)-4!:B>")99561V4>Z]U6'\*JG'_(WY
MO?.#YB4<ZY#:NR<I@OA3U)6K4UTD$N/ZN%+NWMS*4U!D:>EFQD>5WKFJ&`&-
M`E1]BT@:2-HS[]U[JW#W[KW7O?NO=:U7RR^</QHV1\^M[_++Y4[QAP7Q8_EC
MX*?H[I2AHZ:;=6<[Z_F#=VX.GR_8NU^H-DTXF.]=_=+]5-CL+)]LL;X7)9VJ
MDJZFDIJ>>5/=>ZLK_EZ_.;O/YFGM>;NOX#]_?!RDVLVR\]U0G><GW.2[:Z\W
MK29EX,Y4TU'MW%8_8V\L!6X4QY7;<U775V/2KIGD?]RP]U[IO^2_;_\`-3VU
M\A6V9\2OB1\8^U^A\7U[MW>M=V3W1\A-X=3YO<NY*_*;AQ&>ZJVY0[;ZU[!C
MQ.Z,0N-I,DN0KJ9\9)0UJIJ\X=8_=>ZJ"_FO?./Y.[G^&N?ZA^67\K/Y6="T
MV[^TNA$RV]NJ]W]-_+/J2KQ&&[=VKN3(8K^\?4V]\+V92U.;;`"F@@.U(ZV>
M*5@T419;^Z]U;5UM_.B_EJ;]W1!UYE_DI@NA.R9(X1%UE\L=J;X^).]9#/4"
MDH:;'8CY$;9ZWAS<]9*0L$>.EJVD)TJ"P('NO=6!8#N?I[=>\J[KG:W;'6VY
M>PL9@:7=62V)@-][7S.\L?M>MEBIZ+<==MC'96IS=)@*R>9$BK)(%IY'<!7)
M(]^Z]U__U-Z?M3I#I?O/#TNWN[.H^LNW\#03S5-#A>S]A[7W[BJ&IJ8A3U%3
M14&Z<7E:6DJ)X!H>2-5<IP3;W[KW1*N_?C__`"VOAOT+W)\E=V?#;XH;>VCT
MUU]N3L+/S8GX]]14&3R<.V<?+DL?@<5+3[,:HJ,WG\M#!18ZG17>:OJ(DC1I
M&4'W7NLW\JCXZ;Q^.WPYV:W;,*P?('Y`;CW7\J_DE%'@X-K08_N[Y`5Z;WW/
MM*CVM0S2XW;=#UIC*G'[5IZ2EM"L.#5K%G9C[KW5D'OW7NO>_=>Z++\L_EST
MC\*^HZSN+O'<-;08J;,XG9NQ]F[:Q<^Y^S>X.S]SRO1[)ZAZ?V+0'^+[\[,W
MQDU^WQV.I@``)*FIEIZ*GJ:F'W7NM:>GS6X/F1_,`[)^1_\`-D[VZ9Z8^"W\
MMC+]>-B?B3N3=NWL?T!LKYN=@[2J-^;9V)V;VS6Y5-C?)KN_H/K/(XVKW`E%
M)/C<?O'+1XK"4]1115T^3]U[I\[=_EE?R[OG1V3W[\K>MOAWV;B=L[_J<QV[
MV?\`+KY9]S?*GXZ_&:OKJB+&9G>/;/771F-[+V!W%V0M-MF*JK%DK*;9NR9%
MI%$.0:G`0^Z]TC?Y1_\`(6_E]_(OH#<7S%^2W2.\^Y8_DUV#N;?'QCA[C[%[
MDQ6\^OOB/15LF"Z-%5%B.P:*MI<SV5MR@;=3%ZVO^VQ6:H:*&=D@D>;W7NJW
M]_=5?RP=]_S`N[.Q:KI_J;KK^45_)NRV$VGO#$;5V8>Q=X_.+YG[U\V)P71]
M%E=R9C=&XNZ,70;RP1HZ?`/5/C72@EDJQ'1Y::LB]U[J][HGXM=__-#Y&?%G
MYP][?%/I/^67\6_AOE\_V;\>NC\;L_`47S9WLDNQMP[1Q*?(/=NW,;AMN=#=
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MWG_+C^/6VMJ[0V;_`"UNX.F>I-O[<V;)O'%;3V[B,-D>Q^^>I*>009G;&[J2
M'^'XBIUHF6Q4^M/=>ZW)J>GIZ2G@I*2"&FI*:&*GIJ:GB2&GIZ>%%CA@@AC5
M8XH8HU"JJ@*J@`"WOW7N@U[N[=V;\?\`IKM;O7L2N&,V'TYUSO/L_>-;JC5X
M-M[&V[D-RY@P>9XXWJGH<:ZQ(2#)*54<D>_=>ZKZ_E"]+;LVE\9*KY.=S&*O
M^3G\P+=;_,?OG*F":.?"MV=A<7)T]U!1_>Q1Y"BV[T5TI38+;5-1/^W#64E9
M,BJU3)?W7NK+]X;TV=UYMO*[RW_NS;6QMGX..&?-;KWAG<7MG;>'BJ:J"AIY
M<IG,U546+Q\=16U44*-+*@>614%V8`^Z]U3KWS_.4ZRI?G5\?OY;GPWIMF?)
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MFAS3TT7NO=!%V/\`S6H\/_,"_EA;K^:'R?AZWV-A.H^Z.QLY\6>E-H[SWCN[
M/]GU/5.VNN^KMR]T]=]+U78O9-#OOO#/[VSNY-H[$R-$U!MS;]'01UI?-R5@
MA]U[JV;X[?S7^X_F1\[W^+/17PG[?ZKZGZ6VVN]_EKV[\M,.W6&[=H8C>FTX
M<ITQLK8O6.W<EN?+8;LWL&MR4&4.*WA)A,G2[;IJBHFH(93$I]U[J[[W[KW5
M>?\`,N^5V\OBW\>J2FZ4I<3F?E1\A]][?^./Q0P&<@-5@#W5V'!D6I=];TB"
M2K2=9]-[3Q64WAN:LF3[6GP^$F$K*)%O[KW1(OY.OQ8V53[4Q_R/V_F<IO;J
M.GSG9F0^-F_-UT55!OKY([S[*RIA^1_\QON$Y1IZW*]H_*S=&,G@V=.Y0X+J
MJ.AI*;3#E*B)?=>Z7O:.^MA;M_FWQ]B=A[ZV_M7IG^6!\+-_]B;^W+N:;&XS
M:77O9GR9K**AGW#N3>5;DFQVWAC^C=CY%Y*>>*EG^VJFF,K0D(WNO=#%\3\%
MO/Y@]L8S^8=V_AMT;-Z]H<)G-N_`OH;=V)KMN9W8?6.Y8WQFZ/DQVCM^NE,\
M/<_R&Q,*G#4<\4,VTMA3043(F1RF9'OW7NC=_+SO.B^-7QF[L[OJYJ>*?K_K
M_<.8PL=1+2QBMW.:&2DVQ01QU532K635N>J*>-:>-C//?1$KR,JGW7NJ::GY
MZ?$G^1'_`"Z.G\)\K.Q:3+?)/='663[MJ>EL!'5'N#NWMSLW,U.Z-V34F$KY
MJ^?;N'BWEG9,;+ELK+!045+CG2/7)`M*?=>Z'C^5E_-;ZB^4'\NQOE3W[\H>
MB:[>_4F(RFX/E[7X'"9[J+;7QYR6;R67W#@]A;GVUO\`,&X8O[K[;E@PM/F5
M62BW1D,=/+CGG+:1[KW1%OYGW\W;YW?';:?5&]NL-J_'WXP]*_)[JKN#=72/
M8'R)V9W!V-\BWWCUSCL-7;+ZP/1FT(<9M/!=T?(?'[IH*W9&$RE=7K21Q5<6
M=AI*JFEI4]U[I6_$[^5E\0OY;GQSKOYFW\PJ+>_R"^6O7VP]V_+?OGLON2K;
ML*+JGMO==%'V)VDW2/45(T'7VV-[MN*&"BAR,-//E),C1PM!7T\.A8_=>Z/Y
MU_\`.;Y8XC/?&?=WRB^+.S>G^E?F1V3B^J>JL/M+LVMW]WITQNC>.U]R[QZN
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M[X[8^`_P2IX4J]O=[_(ND[\[WI9IX7QU5\=OA9_!^YLUMW.8Y6^[JL?O_NI]
MBX7A?$8ZF8,1:X]U[JVGW[KW7O?NO=$G^?'SPZ4_EX]!UO>O<W]X,V^1W'A>
MONK>KMBX]<WV9W5VSNMIX=H=7]<X`RPG*[ESLM-(YU,L5-2P2S2'3'9O=>ZU
M"?YE.\?YH'27R+^,/SS[S^0W37QP^3W=70_RGP_0'Q;_`-$.'^1]+\0:3&T/
M6'^C[I3XT/N^NJ-O]O?.SY'[FW5C-M;JW'1XK'0Q4=370Q2R8.BIZ:7W7NK_
M`+^6)_)(^-_Q$V=L[N[OG9M-\B_GWO@#MKO3O[NNJ'9F5PO?6_5H]R]D5_5.
M-SZU.U]@S4NY7>D7.8JAI<_E*6FC-962IHBC]U[I(_S%OD'M7Y]]@TO\FOXX
M[LKLKO3M#LI<#\]]T;9F:FGZ#^('6=)L7?O=,-17+.DL&?[J?=6%Z\QEXI(7
MFSN1U`BD<^_=>ZM-^8&5WMU%\)ODCD_CUM>OG[$Z^^-G9XZ2V?L?"5E;D1O'
M`]=YBFZYP&T]O8!8ZV6IAS$%'#14U*%8%45+6'OW7NM>7XJ?R,]_8O\`DH?%
MGI_;N87IKY\;%^0767\SW&9SMC%5E9@Z7YF;8GGR^U]E=YX3&A\YD=KXS8];
M#M?)KJJ:NBJX/OECFDB-+)[KW0G?S"?YD/\`,8V5_+Q^16.[=_EOK\7>PMP[
M,I_C_GN\-Z_+7HC*_'O![C[^SE!TCA-\]79?:^>K^R-S2P3[R_C,%)E\-@:;
M#PPG^(UX,#+-[KW1H/GITA\@/A]_(YJ?C'_+WI-Z;AWOU;T?T[T73;GZRVQ'
MO'M2#J>.JVOM3O#M386S<?DL35[I[%J]B2YC*P4V-E6O>LJGEH]$Z1R)[KW2
M%^`_S+^`_P`9N@NM?BI_+N^)OS7[;P^S,)AZ++TO7'PN[.V%79?>E32XW&Y;
M>_=78O=F%Z>V+2[YW561K4Y*NR.6M'&NB/13P10I[KW0J;UJ][?+7^:G\$NO
M.P=H8CK>F^$GQW[%^=G;76K[WPF^:_']T]V?QWXU]![0J*G$-04F3;9NW7WG
MG)<I24\]$E?'3PQS6*O/[KW2T_G.]2=HU73'1WS-^/6RLMO[Y"_RZ/D'L_Y1
M[6V=M6@%=O7L?J""FKME?)?J';D*%*VM???3>XJZH:@IG6IR-1B:>"$/,T4;
M>Z]T:+XH_P`S+X*_-_*4FWOBU\C]A=P;LDV)3=CY79VV9Z^7=>T=L5%1CJ(R
M;ZPLU##4[*RU-D<I#32T&3^VK5GU*(CH8CW7NBM?S_JRLIOY2_RII0)$VYG3
MTKM;LK)0U%/338'I_=7R!ZKV]VYGT:IJ*6)OX5UWD<E*PUK9`S?13[]U[JX7
M'4U!1X^AI,5%34^,I:.EIL=!1)&E'#0P0)%1Q4B1#Q+31TZJ(POI"`6X]^Z]
MUIJ?\*!/YQM-O[IGY(_"7XG]=;?[5Z:P^Y-E?'OYZ_-+=6.HMS]#_''(]H;C
M&#AZ\V="6EI-Z]S82IQ\M365M.*I-JU-$%B@GR(,F.]U[JC;+_%+X`=G=99]
M/@E\<ML]O=[?.K?^$^(_\JWJW'=MU-7VOT[UE\=&"=Q?S'ODWEMO[E.:V=V)
MV3V#2UN4AH,G1X>DP^WX*56I?LHZN/W[KW6S[_,,^&6V_A;_`")-X_&2BW9F
MNVOD'W%W;\6'W1VKNS)U.6[/^4OS0[+^571^0RV]-Q;DS%1-N3/[@SU;A/MZ
M2>IJ*G(8[;>(IX?+(M$"?=>ZM`^2O\PW.['^5FROA'\:.J</W3W>NTZ#NKY(
M[VWGOVDZ[Z'^'OQP7)/3U?8?<N\XL=G\I/O?=-/2S#;6U:2D2KKH0V0JJBDQ
M\7EF]U[HH.].].I/E;\AMS_.KM3?&VJ#^5O_`"F:K>NXNO=^OE</FMC?(KYI
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M4V,BI_W"DDLD4?NO=6RQ_P`X#X74]?'1;FG^2&PXZB:*CHLGOKX:?++;N)R&
M3J=)H\/0UU1TV\<^5KH29(8``TB*2.1;W[KW5"?S8PG8'\]C^;#U-\>?C#N[
M.[=^%'PVZ3WC@OF#WH=L9_:N5IZWY+U.)H.UNC=BKNO;^.SN%[3[`ZEVI1;>
M+O!2U&-P^4S,SDQ%(:OW7NMQ/`X+`[.V[A=L[=QM#@-L;6PN.P6"Q&/A2DQF
M%P.#H8<?C,;10):.FH<;CZ5(HT%E2-`!P/?NO=:D'P#^)GR>_F/?([Y$_(GY
M,=>5O3G\NS?'S<ROR=H.I^Q=O9W#]K_-W>/4U+B]C_'K$]H;2SLYI<?\1^G:
M3:U-G*#!UM*(-S[ACCJ*F&M@"2TONO=;?7OW7NM8;^?O_,L^-W45!U7\=I)-
MQ][[^Z^^1'3/97>70/2V6HI]^+C\?197=O3O66ZD:GR)H)^YM[18M%HXZ:LK
MX\2LE9]N`U(TWNO=4U]S?!;YH_)G^8S_`"[LU\^-V[?D^2O\T2G[%KOD/\?\
M3M/:60VM\-?A-\8]S]6=Z;;Z;ZNS6>ERV>VYO;=,.&J\9G\G1SR3-4Y"NI9)
M:N2>JJ:OW7NK4>OOA91?S-_YY/R9^:>\\'OO;'PR^'E;T[T;A-D9JES6V=I?
M,?Y/_'VKS.X,?O\`W)MBK@@Q6_\`J_HG<N?G_AE74I/#D:V''O32M2_?4_OW
M7NC6_P`R;JKL+^:;\I^O_@+TIV-DND]F?"FOV;\SN\_E)@-J;9WOD.M?E)2T
MF5'PXZ<VOA=SM_#LENJDCR%;OK<](RHHVY'C:=ZFG;)QB3W7NE%OS$?SO<CL
M#>_Q[[Y^+G\M;Y[=/]@;;R_5VY]R8;NOM_XNY/?^Q]QX<X?,Y?L?KS</77;&
M&V_5Y.@JIDK*?;V3G\50WEHQ$JHJ^Z]T4;I7^5__`#K^F-U?&;M&N^6'P^^0
M[?%+;?8.T?CW\=?DI_IQR>T.EL%V,U+AFS$O?77FW<!O7N7M39/5\+[1Q.X-
MQ[:D%)B*FJ$,,;U,TC^Z]U:S)\?_`.95\@:.JVY\F/E5T_\`'GK/+4%1CMQ[
M-^!.T>P,5VSG**M5DJJ&D^4/;>?ESVQ0$`05^VMI8?-*CLU-6TDP25?=>ZK*
M^-';>WOE3_-FZD^-FQ-D0]8;=_D\Y/YW8'?FQ)!'%)D$W[F=I];?'G>M/-79
M/)Y3=,.\.O\`+39BKRLK??S9G[B:KDF>I,C>Z]U=K\E?Y@/Q-^*$J8/MCMK"
MMV5D*6JEVMT?LC5OWO/?5?!3"HI<%LWJK;'\0W9E\UF"RQT41@B2IE8*K_6W
MNO=5$_RV=@_,N#^93\H?E!LCX:=E?#G^7C\R]NT?8G8W6/R9WUL/'=NUWRHP
MT<E*>\]E=$[$SV[*OJ2?LW$%*?=F,S-2*S(5RK7/-:"GIE]U[K__UM_CW[KW
M17\/\7\'1_+[>?S$SN\MR;HWEE^DMM=`;`VED*;#4NU.IM@4.Z*K?.^%VQ]C
M0PY7)9OM'>"XZJR]773S.(<+0T\(2*&S>Z]T:#W[KW7O?NO=`+V;\7^@NYNT
M>DNY^U>L-N[^[(^.&3W-G.D,_N;^(9*#KG<&[Z?$TN;W)@MOS5IVRVYC%@J0
MTF2J*.>NQSPAZ.6!RS'W7NG#M3XX]#=X[DZHWAW#U%L'LO='1>\8^P>G<]O/
M;>.SN3ZVWO$]')%NC:-370ROA\S%-C::19HK,LU-#(/7%&R^Z]T-/^M_OO\`
MD?OW7NBA]#?!CXW_`!M[R^4/R-ZIV2V([<^7^\<)O;NK=%=7/E*K)Y/`XV2@
MHZ'!O51FHP6`FJJFHKYJ**0PR5]3)+8>A4]U[HW+ND>DOZ5-_59M"D`L2[`:
M8UX^IL"?\;>_=>ZY*P90RL&4@%64A@RD<$$<$$?T]^Z]TG]T[1VIOK!U6V=[
M[8V]O';==+0SUNWMTX7&[AP=9/C*^FRF-FJL3EZ:KH*B7'9.BAJ8&>,F*>))
M$LZJ1[KW3\LD;LZ)(C/$0LJJZLT990RK(H)*LRD$7MQS[]U[K)[]U[I)Q;#V
M/!O:M[+@V9M2'L;([;HMF9#?\6W<1%O:OV?C<C59C';4K-UI1C.U6VJ#+UT]
M5#0O.U+%4S/*J!W8GW7NE7;_`'OW[KW3%AMK;;VY)72;>P&%P+9.IGK<D,-B
MJ#&#(5U3-)45%=7"BIX#55D\\SN\KW=V8EB2;^_=>Z9NR^MMB=Q]>;XZG[0V
MOBM[=<=D[4SVR-];0SD!J,1N7:FYL;4XC.X7(1(\<AILACJN2-F1DD35J1E8
M!A[KW5-^%_E^_P`S;XQ4V-Z_^$'\SC#93X[[>QM)A]A=/_.GX]4'R!W9U?AZ
M1*E:?;NWN^]B;OZKW_NS:6)ADAI<319^&MJ\904L4'WU0J^_=>Z`SO/^4/N3
MN'XOP['_`)@_RJZ'VK\7NHNXL/\`+GL[IOXC?$+9OQLZ1R%!UP^Z-Z]HR;PR
M5=N_?F]ZX[[I<KD*K-96GJ*&9G>6<P2S,&7W7NJIOY8?\L?!_P`V;L?Y<?S?
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M3)%3TE'24\2QQ11JJ1HH50``/?NO=,.V=B[)V7-N*HV?L_:^U)]W[AKMW;MG
MVUM_$X*7=.[,FD,>2W/N.3%4E(V;W#D$IXUGK:GRU,H10SFP]^Z]TJO?NO=>
M]^Z]TWT.*QF-DR$V.QU!039>N;*966BHZ>EDR>3>FIJ-LCD'@CC:MKFI**&(
MS2%I#'$BWTJH'NO=.'OW7NO>_=>Z][]U[JF?XO8/$]R_S7_GOW[CMLX#'[9Z
M&VWU;\8<3F,=AZ#'U.[NUWP-/NSL[=>8R&,I81NC<&V\$<1MY*RO>:NQ]$AH
MHF6#4@]U[HZ,_P`+-@9/YU4'SZW!NO>^<[-VO\>:GXV]=[*J:K"P];[#V=G=
MX#>^]-Q8S%PX89NLWSN[+4U+!45\U>4CQ],M.D-B6]^Z]T<?W[KW1/?BC\(>
MF/AYE?D3N;K.IWSN#>ORG[TW9\@NY][]C[JEW7N3<.]-T5$C4V*HIEI,;08?
M9NS\=(*#"XZGIU%)1*$>29[R'W7NCA>_=>Z][]U[JN[N?^91TML7<F3ZLZ*V
MCVA\V_D#CWIZ.IZ6^)>W*/L6?:F1KZB:@H/],7;%=E<%T;T5C5R"**F3=>Y,
M9614[&:*EJ%&D^Z]U7/L?^5Y\R^^_DEWE\K>^>W=E_R_<5\H<7LO%=T]`_`G
M(9'-]S]I[>Z]Q%?A>OZ;O3YB[XQT5?0;OVWALD]%6?Z-\#MO&5M,D<4TM8T2
MU3>Z]U;'\8/@#\0/AW1U(Z"Z-V;M/<N5J/O]S]E9"B?=7;6],S)#X:O.[R[0
MW/)EM[[ARM?J9I7GK3'=R$1$LH]U[HXWOW7NO__7W^/?NO=>]^Z]U[W[KW7O
M?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]
MU[W[KW7O?NO=>]^Z]U[W[KW6N)_PI5[:WUD/B'US\%.@M[0T'R+_`)@??'6/
MQRPVQ\57XH[GR?5^[<G7U?8&X\CCGI:_<-%UW1TNWUH,UDZ2.*.FI:YUFE$3
M.K>Z]U?+T9T]LSX^]-]7=']=X^/%[&ZEV!M'KK:=!''#&*;;^S,#0;>Q$3>"
M*%))10X]#)(5URR%I'+.S,?=>Z%;W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]
MU[W[KW7O?NO=>]^Z]U[W[KW01]^=O;;Z`Z3[5[LW?74..VWU9L'=&^,I4Y&I
MCHZ(Q[?Q%57PTLU5,\<4/W]5%'`I9E&N0<CW[KW12/Y6'5.?ZS^&/7&;WS'E
M8^T.]Z_<WR3[37,NIKX-Z]X9FHWQ+BFB2:I6CI]NX+(4.-B@$C+$E(`-/Z1[
MKW5B?OW7NO>_=>Z][]U[KWOW7NF#=&V,!O3;V:VENK%TN<VWN+'5.(SF'KE9
MZ/)XRMC,-70U:(R-)3U,+%76]F4D'@^_=>ZB[/V1LSKW"0;8V#M';.R-MTLD
MLU-@-I8'%[;PM/-.0T\T.+PU+1T4<L[`%V"!G/))]^Z]TJ??NO=>]^Z]U[W[
MKW7_T-_CW[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W
M[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]T3WMOX+_`![[
MQ^4OQV^7W9>V)MR=M?%K"[ZQ/4!JGHO[OX:IW^M`F4SN0H!0?=YC,8Q*`'&F
M>H>GQ\KO-#$L[&0^Z]T<!U#JR$L`P()1F1A?\JZ,KJ?\00??NO==C@`<\6%R
M>3;B_P#C[]U[KOW[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]
M^Z]U3S_-#J,?\A.POAW_`"UJ6LDJ&^4_:C=M=Z82&EK)8Y/B;\7JW!;^['@R
MV1@C>DP]+O+?]7M?!4XJ/^!S5DT2`Z9"ONO=7`PPQ4\44$$4<,$,:0PPPHL<
M,,,:A(XHHT"I''&B@*H```L/?NO=9??NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[
MKW7O?NO=>]^Z]U[W[KW7_]'?X]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]
M^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW
M7O?NO=>]^Z]U[W[KW7O?NO=89_+X)O!S/XI/#?3;RZ&\9.JR_KM]>/?NO=>@
M\O@A\_\`GO%'Y;:?\[H7R?I)7]=_H;>_=>ZS>_=>Z][]U[KWOW7NO>_=>Z][
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M4/(_\6^N_P"H.I_ZTO[]U[KV._XM]#_U!TW_`%I3W[KW4SW[KW7O?NO=>]^Z
M]U[W[KW7O?NO=>]^Z]U[W[KW29V;_P`>OA?^H-?^AW]^Z]TIO?NO=>]^Z]U[
DW[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=?__9
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>31
<FILENAME>g915197dsp376.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g915197dsp376.jpg
M_]C_X0B@17AI9@``34T`*@````@`"`$2``,````!``$```$:``4````!````
M;@$;``4````!````=@$H``,````!``(```$Q``(````>````?@$R``(````4
M````G`$[``(````)````L(=I``0````!````O````.@`+<;````G$``MQL``
M`"<0061O8F4@4&AO=&]S:&]P($-3-B`H5VEN9&]W<RD`,C`Q-3HP-3HP,B`P
M-3HS,SHP,`!R<C$S-3DP,P```````Z`!``,````!__\``*`"``0````!```!
M&*`#``0````!````(P`````````&`0,``P````$`!@```1H`!0````$```$V
M`1L`!0````$```$^`2@``P````$``@```@$`!`````$```%&`@(`!`````$`
M``=2`````````$@````!````2`````'_V/_M``Q!9&]B95]#30`!_^X`#D%D
M;V)E`&2``````?_;`(0`#`@("`D(#`D)#!$+"@L1%0\,#`\5&!,3%1,3&!$,
M#`P,#`P1#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`$-"PL-#@T0#@X0
M%`X.#A04#@X.#A01#`P,#`P1$0P,#`P,#!$,#`P,#`P,#`P,#`P,#`P,#`P,
M#`P,#`P,#`P,_\``$0@`%`"@`P$B``(1`0,1`?_=``0`"O_$`3\```$%`0$!
M`0$!``````````,``0($!08'"`D*"P$``04!`0$!`0$``````````0`"`P0%
M!@<("0H+$``!!`$#`@0"!0<&"`4###,!``(1`P0A$C$%05%A$R)Q@3(&%)&A
ML4(C)!52P6(S-'*"T4,')9)3\.'Q8W,U%J*R@R9$DU1D1<*C=#87TE7B9?*S
MA,/3=>/S1B>4I(6TE<34Y/2EM<75Y?569G:&EJ:VQM;F]C='5V=WAY>GM\?7
MY_<1``("`0($!`,$!08'!P8%-0$``A$#(3$2!$%187$B$P4R@9$4H;%"(\%2
MT?`S)&+A<H*20U,58W,T\24&%J*R@P<F-<+21)-4HQ=D154V=&7B\K.$P]-U
MX_-&E*2%M)7$U.3TI;7%U>7U5F9VAI:FML;6YO8G-T=79W>'EZ>WQ__:``P#
M`0`"$0,1`#\`]$ZQU"_%KKQ\&MM_4LLEF+2\PT1_/961M][<3$:[??\`]9QJ
M_P!/DT(?U?Q<RBK*LS+;K;,C)L<T7NDAC`W%8YC6_HZJLG[/]M956QGI?:O2
M_,67TO+R!G9F2>GY5_6,FZRE_JUNIHHQZ;'U853<S(`H=C>E^MV_L_[;;=?D
M77>EZ?I^F3'S?KG;1;6,&MF4++"^[(>VND-:X-JHZ>RC[3?D^I6W^EYOV;99
M9ZOHV_T.M*>E26&'?7+[66%N`*+6!PM_2$4.W'=5Z>YMG4OT7^%_R6S_`*A*
MO.^M=#6-RNFT93RU[`_%NV@VC^9NNKR6M^RX5C0_?Z=N=DU_H_U=Z2G<26"S
MK77FUB[(Z06TUW^C>ZM[GV%OJ&C[5B8C:G76XS?9;^E]&_9_@/2_3*;NM];#
M+0SH60;^<:HW4!KFD?2R<CU'58S]^YGI5?:_\&__`(M*=>RQS#6&UNLWNVDM
MV^T07>H_>YGL]NWV;WHBQ3U7KSWUVT]'>,0O+7,LMJ;DD>F^QMWH>I]FJI]8
M54_I,O[3[_Z+7L5!W7OK/U.@#HO3JZGBZVJ[)OM#Z6>D]]#&MVBO[1O?5^M/
MQO5KQJ_T=-F3E>I70E/3V6,JK=98X,K8"Y[W&``-7.<X_1:U//AV6!];*NJY
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MS*98XXS<=F/^CKHQ]E_I8]--'VC]'ZB2GH6/98T/K<'M=PYID'YA`QNHX&7;
M;5BY%=]F/`N;6X.+=VX-W;?Y5=C?^MV+,/1>I7=+LZ9;DT8V+Z(HQZL6IX#&
MMV;&6V69!LMH])GV>VJG[+9Z-EGZQ79Z=E=SIM&?0&UWTXE-;6!GZJ'-^@`R
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M5224_P#_V?_M$,90:&]T;W-H;W`@,RXP`#A"24T$!```````5AP!6@`#&R5'
M'`(```*MG!P"4``(<G(Q,S4Y,#,<`@4`-4UI8W)O<V]F="!7;W)D("T@17AH
M:6)I="`Y.2XR(%!E;W!L97,@4')O>'D@0V%R9"YD;V-X.$))300E```````0
M#T3)I=;)E@:;\C!;/KY(HCA"24T$.@``````Y0```!`````!```````+<')I
M;G1/=71P=70````%`````%!S=%-B;V]L`0````!);G1E96YU;0````!);G1E
M`````$-L<FT````/<')I;G13:7AT965N0FET8F]O;``````+<')I;G1E<DYA
M;65415A4`````0``````#W!R:6YT4')O;V93971U<$]B:F,````,`%``<@!O
M`&\`9@`@`%,`90!T`'4`<```````"G!R;V]F4V5T=7`````!`````$)L=&YE
M;G5M````#&)U:6QT:6Y0<F]O9@````EP<F]O9D--64L`.$))300[``````(M
M````$`````$``````!)P<FEN=$]U='!U=$]P=&EO;G,````7`````$-P=&YB
M;V]L``````!#;&)R8F]O;```````4F=S36)O;VP``````$-R;D-B;V]L````
M``!#;G1#8F]O;```````3&)L<V)O;VP``````$YG='9B;V]L``````!%;6Q$
M8F]O;```````26YT<F)O;VP``````$)C:V=/8FIC`````0```````%)'0D,`
M```#`````%)D("!D;W5B0&_@````````````1W)N(&1O=6)`;^``````````
M``!";"`@9&]U8D!OX````````````$)R9%15;G1&(U)L=```````````````
M`$)L9"!5;G1&(U)L=````````````````%)S;'15;G1&(U!X;$!RP```````
M````"G9E8W1O<D1A=&%B;V]L`0````!09U!S96YU;0````!09U!S`````%!G
M4$,`````3&5F=%5N=$8C4FQT````````````````5&]P(%5N=$8C4FQT````
M````````````4V-L(%5N=$8C4')C0%D````````````08W)O<%=H96Y0<FEN
M=&EN9V)O;VP`````#F-R;W!296-T0F]T=&]M;&]N9P`````````,8W)O<%)E
M8W1,969T;&]N9P`````````-8W)O<%)E8W12:6=H=&QO;F<`````````"V-R
M;W!296-T5&]P;&]N9P``````.$))30/M```````0`2P````!``(!+`````$`
M`CA"24T$)@``````#@`````````````_@```.$))300-```````$````>#A"
M24T$&0``````!````!XX0DE-`_,```````D```````````$`.$))32<0````
M```*``$``````````CA"24T#]0``````2``O9F8``0!L9F8`!@```````0`O
M9F8``0"AF9H`!@```````0`R`````0!:````!@```````0`U`````0`M````
M!@```````3A"24T#^```````<```_____________________________P/H
M`````/____________________________\#Z`````#_________________
M____________`^@`````_____________________________P/H```X0DE-
M!`@``````!`````!```"0````D``````.$))300>```````$`````#A"24T$
M&@`````#6P````8``````````````",```$8````$P`Y`#$`-0`Q`#D`-P!?
M`#``,``Q`%\`<`!A`'(`=`!?`#0`+0`U`````0``````````````````````
M```!``````````````$8````(P`````````````````````!````````````
M`````````````!`````!````````;G5L;`````(````&8F]U;F1S3V)J8P``
M``$```````!28W0Q````!`````!4;W`@;&]N9P``````````3&5F=&QO;F<`
M`````````$)T;VUL;VYG````(P````!29VAT;&]N9P```1@````&<VQI8V5S
M5FQ,<P````%/8FIC`````0``````!7-L:6-E````$@````=S;&EC94E$;&]N
M9P`````````'9W)O=7!)1&QO;F<`````````!F]R:6=I;F5N=6T````,15-L
M:6-E3W)I9VEN````#6%U=&]'96YE<F%T960`````5'EP965N=6T````*15-L
M:6-E5'EP90````!);6<@````!F)O=6YD<T]B:F,````!````````4F-T,0``
M``0`````5&]P(&QO;F<``````````$QE9G1L;VYG``````````!"=&]M;&]N
M9P```",`````4F=H=&QO;F<```$8`````W5R;%1%6%0````!````````;G5L
M;%1%6%0````!````````37-G951%6%0````!```````&86QT5&%G5$585```
M``$```````YC96QL5&5X=$ES2%1-3&)O;VP!````"&-E;&Q497AT5$585```
M``$```````EH;W)Z06QI9VYE;G5M````#T53;&EC94AO<GI!;&EG;@````=D
M969A=6QT````"79E<G1!;&EG;F5N=6T````/15-L:6-E5F5R=$%L:6=N````
M!V1E9F%U;'0````+8F=#;VQO<E1Y<&5E;G5M````$453;&EC94)'0V]L;W)4
M>7!E`````$YO;F4````)=&]P3W5T<V5T;&]N9P`````````*;&5F=$]U='-E
M=&QO;F<`````````#&)O='1O;4]U='-E=&QO;F<`````````"W)I9VAT3W5T
M<V5T;&]N9P``````.$))300H```````,`````C_P````````.$))3001````
M```!`0`X0DE-!!0```````0````".$))300,``````=N`````0```*`````4
M```!X```)8````=2`!@``?_8_^T`#$%D;V)E7T--``'_[@`.061O8F4`9(``
M```!_]L`A``,"`@("0@,"0D,$0L*"Q$5#PP,#Q48$Q,5$Q,8$0P,#`P,#!$,
M#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,`0T+"PT.#1`.#A`4#@X.%!0.
M#@X.%!$,#`P,#!$1#`P,#`P,$0P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,
M#`S_P``1"``4`*`#`2(``A$!`Q$!_]T`!``*_\0!/P```04!`0$!`0$`````
M`````P`!`@0%!@<("0H+`0`!!0$!`0$!`0`````````!``(#!`4&!P@)"@L0
M``$$`0,"!`(%!P8(!0,,,P$``A$#!"$2,05!46$3(G&!,@84D:&Q0B,D%5+!
M8C,T<H+10P<EDE/PX?%C<S46HK*#)D235&1%PJ-T-A?25>)E\K.$P]-UX_-&
M)Y2DA;25Q-3D]*6UQ=7E]59F=H:6IK;&UN;V-T=79W>'EZ>WQ]?G]Q$``@(!
M`@0$`P0%!@<'!@4U`0`"$0,A,1($05%A<2(3!3*!D12AL4(CP5+1\#,D8N%R
M@I)#4Q5C<S3Q)086HK*#!R8UPM)$DU2C%V1%539T9>+RLX3#TW7C\T:4I(6T
ME<34Y/2EM<75Y?569G:&EJ:VQM;F]B<W1U=G=X>7I[?'_]H`#`,!``(1`Q$`
M/P#T3K'4+\6NO'P:VW]2RR68M+S#1'\]E9&WWMQ,1KM]_P#UG&K_`$^30A_5
M_%S**LJS,MNMLR,FQS1>Z2&,#<5CF-;^CJJR?L_VUE5;&>E]J]+\Q9?2\O(&
M=F9)Z?E7]8R;K*7^K6ZFBC'IL?5A5-S,@"AV-Z7ZW;^S_MMMU^1==Z7I^GZ9
M,?-^N=M%M8P:V90LL+[LA[:Z0UK@VJCI[*/M-^3ZE;?Z7F_9MEEGJ^C;_0ZT
MIZ5)88=]<OM986X`HM8'"W](10[<=U7I[FV=2_1?X7_);/\`J$J\[ZUT-8W*
MZ;1E/+7L#\6[:#:/YFZZO):W[+A6-#]_IVYV37^C_5WI*=Q)8+.M=>;6+LCI
M!;37?Z-[JWN?86^H:/M6)B-J==;C-]EOZ7T;]G^`]+],INZWUL,M#.A9!OYQ
MJC=0&N:1]+)R/4=5C/W[F>E5]K_P;_\`BTIU[+',-8;6ZS>[:2W;[1!=ZC][
MF>SV[?9O>B+%/5>O/?7;3T=XQ"\M<RRVIN21Z;[&W>AZGV:JGUA53^DR_M/O
M_HM>Q4'=>^L_4Z`.B].KJ>+K:KLF^T/I9Z3WT,:W:*_M&]]7ZT_&]6O&K_1T
MV9.5ZE="4]/98RJMUEC@RM@+GO<8``U<YSC]%K4\^'98'ULJZKE=.JZ?C8S[
MJ<QS:L^ZAS0^JLOK;9Z=%SZF75W,=:U_J/LIK9_2<>^CU%9SNAB[H-O2\3TL
M5UX;ZT,]EAW,?E5W?9OLKG-S:VV8]]U?I6?IO424U\'J74NI=8JNQM[.D%EC
MAN8-EC&GTJ,EEQ;O<[,NWV8GI6^E^S\?[1?_`,H8OI;TK`ZA@_6=^$VJB^D3
M8QAQ\0'$B@^U[?MEOVZSVMV_I,6G%MJJ]7T/TS*5%G1?K+^L,/6-C"YEM#MA
M>76_HK,CU@][7T8+[F7,KZ?C7_HZ;/Z7_@$E/1)I"YWJP^L?3.F9^>.IUVBJ
MAU[6.Q1(L8Q[O1Q=ES=E%MOI;/M/VR_Z?ZQ_A*@X_0NO-J=FX/5=EV952ZSU
M*Y>]WMMNNLMN^U457.]3(KH]#`]#'I^RT?9_2QDE/4I+GF]&^LM5?I4]8'HU
M7-LH:^HO>ZL%A=B965=9=?95[7_I/Z5_W9V?HE7NR/K'C=5QL*C/9U+,L?9;
MD8QI;CXU6.&;9?:T9>6VRK)MQ745>O;=;ZWZ;]%^GI2GJ4-E]-C[*V6->^DA
MMK&D$L)`>UMC1]#<QS7^Y4<._)HRQ@9MYS,NYCL@OJJ%5-5;372VO;ZEUC/5
M>YSJO5NOLLV9'^#J6=A=%^L%?3\O%LRL?'NS!>^W+J%EESLBX%K,IECCC-QV
M8_Z.NC'V7^ECTTT?:/T?J)*>A8]EC0^MP>UW#FF0?F$#&ZC@9=MM6+D5WV8\
M"YM;@XMW;@W=M_E5V-_ZW8LP]%ZE=TNSIEN31C8OHBC'JQ:G@,:W9L9;99D&
MRVCTF?9[:J?LMGHV6?K%=GIV5W.FT9]`;7?3B4UM8&?JH<WZ`#*6-K<UK65U
ML_EI*?_0]4$=DZ^54DE/U4DOE5))3]5)+Y5224_4>=_0LC^=_FG_`-'_`)[Z
M)_H__#_Z+_A$+I'[._9>)^RX_9_HU_9-LQZ6T>E_.?I/H?Z3])^^OF%))3]5
M)+Y5224_522^54DE/T[UC]D_L^W]L^C^SY9ZWVF/2^FSTO5]3V?SWI_25U?*
MJ22GZJ7.?5/[+NRO4];]J^W[5]I]/?LW6>GZ7V7]6]'[1]K]7TO^UWVO[1^E
M7SPDDI^IQZ/K.C;ZVUN^(W[)?Z6[\[9N];T_^N*:^54DE/U4DOE5))3_`/_9
M.$))300A``````!5`````0$````/`$$`9`!O`&(`90`@`%``:`!O`'0`;P!S
M`&@`;P!P````$P!!`&0`;P!B`&4`(`!0`&@`;P!T`&\`<P!H`&\`<``@`$,`
M4P`V`````0`X0DE-!`8```````<`"`````$!`/_A$7]H='1P.B\O;G,N861O
M8F4N8V]M+WAA<"\Q+C`O`#P_>'!A8VME="!B96=I;CTB[[N_(B!I9#TB5S5-
M,$UP0V5H:4AZ<F53>DY48WIK8SED(C\^(#QX.GAM<&UE=&$@>&UL;G,Z>#TB
M861O8F4Z;G,Z;65T82\B('@Z>&UP=&L](D%D;V)E(%A-4"!#;W)E(#4N,RUC
M,#$Q(#8V+C$T-38V,2P@,C`Q,B\P,B\P-BTQ-#HU-CHR-R`@("`@("`@(CX@
M/')D9CI21$8@>&UL;G,Z<F1F/2)H='1P.B\O=W=W+G<S+F]R9R\Q.3DY+S`R
M+S(R+7)D9BUS>6YT87@M;G,C(CX@/')D9CI$97-C<FEP=&EO;B!R9&8Z86)O
M=70](B(@>&UL;G,Z9&,](FAT='`Z+R]P=7)L+F]R9R]D8R]E;&5M96YT<R\Q
M+C$O(B!X;6QN<SIX;7`](FAT='`Z+R]N<RYA9&]B92YC;VTO>&%P+S$N,"\B
M('AM;&YS.G!D9CTB:'1T<#HO+VYS+F%D;V)E+F-O;2]P9&8O,2XS+R(@>&UL
M;G,Z>&UP34T](FAT='`Z+R]N<RYA9&]B92YC;VTO>&%P+S$N,"]M;2\B('AM
M;&YS.G-T179T/2)H='1P.B\O;G,N861O8F4N8V]M+WAA<"\Q+C`O<U1Y<&4O
M4F5S;W5R8V5%=F5N=",B('AM;&YS.G-T4F5F/2)H='1P.B\O;G,N861O8F4N
M8V]M+WAA<"\Q+C`O<U1Y<&4O4F5S;W5R8V52968C(B!X;6QN<SIP9&9X/2)H
M='1P.B\O;G,N861O8F4N8V]M+W!D9G@O,2XS+R(@>&UL;G,Z<&AO=&]S:&]P
M/2)H='1P.B\O;G,N861O8F4N8V]M+W!H;W1O<VAO<"\Q+C`O(B!D8SIF;W)M
M870](FEM86=E+VIP96<B('AM<#I#<F5A=&5$871E/2(R,#$U+3`U+3`Q5#$V
M.C0S.C4U+3`U.C`P(B!X;7`Z0W)E871O<E1O;VP](E1O;VQK:70@:'1T<#HO
M+W=W=RYA8W1I=F5P9&8N8V]M(B!X;7`Z365T861A=&%$871E/2(R,#$U+3`U
M+3`R5#`U.C,S*S`U.C,P(B!X;7`Z36]D:69Y1&%T93TB,C`Q-2TP-2TP,E0P
M-3HS,RLP-3HS,"(@<&1F.E!R;V1U8V5R/2)4;V]L:VET(&AT='`Z+R]W=W<N
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M-3`R."!0<F\@4')O9'5C=&EO;BTS,B(@<&AO=&]S:&]P.D-O;&]R36]D93TB
M,R(^(#QD8SIT:71L93X@/')D9CI!;'0^(#QR9&8Z;&D@>&UL.FQA;F<](G@M
M9&5F875L="(^36EC<F]S;V9T(%=O<F0@+2!%>&AI8FET(#DY+C(@4&5O<&QE
M<R!0<F]X>2!#87)D+F1O8W@\+W)D9CIL:3X@/"]R9&8Z06QT/B`\+V1C.G1I
M=&QE/B`\9&,Z8W)E871O<CX@/')D9CI397$^(#QR9&8Z;&D^<G(Q,S4Y,#,\
M+W)D9CIL:3X@/"]R9&8Z4V5Q/B`\+V1C.F-R96%T;W(^(#QX;7!-33I(:7-T
M;W)Y/B`\<F1F.E-E<3X@/')D9CIL:2!S=$5V=#IA8W1I;VX](F-O;G9E<G1E
M9"(@<W1%=G0Z<&%R86UE=&5R<STB9G)O;2!A<'!L:6-A=&EO;B]P9&8@=&\@
M87!P;&EC871I;VXO=FYD+F%D;V)E+G!H;W1O<VAO<"(O/B`\<F1F.FQI('-T
M179T.F%C=&EO;CTB<V%V960B('-T179T.FEN<W1A;F-E240](GAM<"YI:60Z
M13E$,3$S1D4U1$8P130Q,3@V03$X.#DX.3)%139$1C4B('-T179T.G=H96X]
M(C(P,34M,#4M,#)4,#4Z,S,K,#4Z,S`B('-T179T.G-O9G1W87)E06=E;G0]
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M92YP:&]T;W-H;W`@=&\@:6UA9V4O:G!E9R(O/B`\<F1F.FQI('-T179T.F%C
M=&EO;CTB<V%V960B('-T179T.FEN<W1A;F-E240](GAM<"YI:60Z14%$,3$S
M1D4U1$8P130Q,3@V03$X.#DX.3)%139$1C4B('-T179T.G=H96X](C(P,34M
M,#4M,#)4,#4Z,S,K,#4Z,S`B('-T179T.G-O9G1W87)E06=E;G0](D%D;V)E
M(%!H;W1O<VAO<"!#4S8@*%=I;F1O=W,I(B!S=$5V=#IC:&%N9V5D/2(O(B\^
M(#PO<F1F.E-E<3X@/"]X;7!-33I(:7-T;W)Y/B`\>&UP34TZ1&5R:79E9$9R
M;VT@<W12968Z:6YS=&%N8V5)1#TB>&UP+FEI9#I%.40Q,3-&135$1C!%-#$Q
M.#9!,3@X.3@Y,D5%-D1&-2(@<W12968Z9&]C=6UE;G1)1#TB>&UP+F1I9#I%
M.40Q,3-&135$1C!%-#$Q.#9!,3@X.3@Y,D5%-D1&-2(@<W12968Z;W)I9VEN
M86Q$;V-U;65N=$E$/2)U=6ED.F4R,3DS,S!B+60S-64M-#=C,"UA865A+3,X
M8C(V,F)F8V$U8R(O/B`\+W)D9CI$97-C<FEP=&EO;CX@/"]R9&8Z4D1&/B`\
M+W@Z>&UP;65T83X@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@
M("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("`\/WAP86-K970@
M96YD/2)W(C\^_^X`#D%D;V)E`&1``````?_;`(0``0$!`0$!`0$!`0$!`0$!
M`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0("`@("`@("`@("`P,#`P,#
M`P,#`P$!`0$!`0$!`0$!`@(!`@(#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#_\``$0@`(P$8`P$1``(1`0,1`?_=
M``0`(__$`:(````&`@,!``````````````<(!@4$"0,*`@$`"P$```8#`0$!
M````````````!@4$`P<""`$)``H+$``"`0,$`0,#`@,#`P(&"74!`@,$$042
M!B$'$R(`"#$403(C%0E10A9A)#,74G&!&&*1)4.AL?`F-'(*&<'1-2?A4S:"
M\9*B1%1S148W1V,H5597&K+"TN+R9(-TDX1EH[/#T^,I.&;S=2HY.DA)2EA9
M6F=H:6IV=WAY>H6&AXB)BI25EI>8F9JDI::GJ*FJM+6VM[BYNL3%QL?(R<K4
MU=;7V-G:Y.7FY^CIZO3U]O?X^?H1``(!`P($!`,%!`0$!@8%;0$"`Q$$(1(%
M,08`(A-!40<R811Q"$*!(Y$54J%B%C,)L23!T4-R\!?A@C0EDE,88T3QHK(F
M-1E4-D5D)PIS@Y-&=,+2XO)59756-X2%H[/#T^/S*1J4I+3$U.3TE:6UQ=7E
M]2A'5V8X=H:6IK;&UN;V9W>'EZ>WQ]?G]TA8:'B(F*BXR-CH^#E)66EYB9FI
MN<G9Z?DJ.DI::GJ*FJJZRMKJ^O_:``P#`0`"$0,1`#\`W^/?NO=$Q^4_ROCZ
M2J]@]1];XK#]D?*SOVOS6WOC]TW6Y*IHJ;)3X:BDJ-R]I=F5.'H\MG]I]#=8
MQM%/N/.Q44QC:>FHJ<25M;31MO&.G0JT%?3/10OY1NX?DQV!3?-/M7O;O_)=
M_;#W-\LMW[(^/>XFHMOXG:-1M3IG#8GKGLC<O66VMO9//Q;'ZWSO<>)SE#B\
M+59&LKH8L(:FHD>HJY7?76I``0`*8ZN+%["_U_/^O[]TWU[W[KW7O?NO=>]^
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MGTAU033U-$IY>O\`FX]&`Z/[TZ]^1&R/](W5\^Z*W:$F;RV"HLENK8.^^N:K
M*3X69(*K(8O"=A[<VOGJW`U$C_Y+D$I325B`O#(Z>KW[I@$%58<".JY/G!O[
M<WRD[IV__*]Z-R>3HGWMA<;V#\]^V=J9'[6?H#XGU%<&I.L!DZ<_[C>XOEU-
M15.W\-3"05F/VLN6S#0Z(J5I/=61M+!J5/1I>I?BC#L[Y,]C_([<51L^JJEZ
MJV-\;OC=@=L87*XH=/\`QJVNF*W/G-CY!ZC,U.-S69WAV;3G(5-7!30A,?C\
M;2AI%IA;PP>K:\`:?.I^WHYWF*NZ!/3%%J(!NX-KK9>`RD"W!O?Z@>_=-]<E
MEN`=/IL+L"NGD`Z@;_IL??NO=9`RM]#?W[KU#UPEE"*Y'J91P@O<G\*+`FY_
M'OW6Z'TZ!S9?R*Z)['W]O?JCK_N;JO?':/6BB3L'KS9^_=M[DWCLM#7OBW_O
M+M[%9"HRF&:GR<9IION(H_!4_MR:'('OW6ORZ%:3)TU*(OOJBDI/N*N*AIC-
M51QBIK*C_@/2P>4QF6IG/"1KJ=R/2#[]U[J:LA;^PR\D6;AN"0387X-KC^H]
M^Z]USUK]+BX_J;?Z_P!??NO==@W_`*?[`W]^Z]UYCI%_KS[]U[KB6.@LJW-B
M0M[7(^@N>!<^_=;&2.BA_&/Y=;>^4N]/DYBM@[=>IZY^/7<1Z3PW;^.SE'F-
MG]J[QP.`H*KLZAVQX*>GG@FZOW=528+)&\]-)6PMX9GTN$]TY)&$6,ZJEAP]
M/]7^0]+S>OR+VCL[O3IWXZ+0Y'.]H]QXS?F\,=A<4!)'M?K#K6'%0[M[(W95
M%&I\1@8=P;EQ&)HTD99<AD,BL<(;Q3%/=-=#ZTC+I(0L&`L!RVH_@`V!^O\`
M46Y)L![]U[JJ[M7^9%F\G@^QMP?#/HW+?*3:'362RF)[$[7Q^1R&.ZRSN[,+
M6SX>IZCZ`JL)A-Q;@^07;TNXH1C9X<-21;;Q-6Q2MS,<J/"-TZ=$7#4U">K(
M.M,UNO<?7NQ]P[[VS#LO?&=VEMW,;QV;39(YFGVENC)8>CK,]MF'+FEHOXDF
M!RDTM+Y_$@D,1-A?WKIM@`:`XZ__T=DWH'`S?.#^8O\`(7Y8;WIY<YTU_+[W
M[N#X:_#C9.6BHAB,;WOBL+CYOF#\D9*%_N)JS>4F3S-'L#;U;)*(Z'%8G)O#
M#'+73.WNO="/\C/YM'0O7FS^Z!\:WA^9/:/2&Q-][U[*PO2&;H=P=4].4&PL
M!E=P;DK_`)`]XX@939'6<>%H\/5.^'2HK=TU$L/BI\9(272PT^9QT^MO(P4X
M%>%32OY=%FZ,_FS1]6_'+JYODKV%C_FA\^/D"M/VIMOX:_R_-A8KLKL#KK:/
M9]%C-R[#ZVFPVWMPUE+MC8VPMKY*&6MWOOS*8>*KC:HE,TOA13HT\ACJC1.I
M((I_J_U9X=.'1WS\_F>;YSO='5^?_E[Y*H^0N.[BS>+V[@\S6YKJ?XD_'WJ&
M#![:.V)^P/ESGJ#<B_)G?>8ER,N1GCZ[VM54X!>E_P`D\7F?7560J`:BG3-T
MO_,E^>--W)\C/BQV-\4JOY4_(OK'<>S,=M2L^-O7&^?C[\<L8F3VO29C>LO9
MG?O?>X]S;7V_LS'Y+)1P[;JZ-LCN;<$5)5S)A50(/?NJ]*W&?S#?G3T)\CMZ
M]:_-;XK2;IVSE>C]F=C=*[1^`/2_R+^1.Y<YO7/;^SFW]R;`K.WMQ8C:/667
MKM@;<HZ.JS517TVTZ>$UT$L!FA+LONO="_C?YP?2.WME=J5/?^P>P>E.^>M.
MZ*'I&@^&>(JML]Y?+GL/=FZ]G;>W_P!7TNQ^I>F<GNBMS-9V1M;<*5%$(99<
M=3QT]0]77114\\D?NGE@D8`@=I%:^0'S_P!7SZC8S^<+UEB]V[VZ=[9^.WR5
MZ]^4.VH]@9K:_P`2]K;0P?>G>W8&RNTZ?,UVRMV8_&=-;@W5M':*04&WJV7/
MIN#+8NBV[XXUJZM6FB#>IU86SD5#+I]:X]/^*Z'SJ+^8=U1O+;7R8W%W1B,C
M\2Z/XC[YPNQ^[\CW]O'K?$;3VSE=R;#VOV7BHUW_`(+=^8V?/+#M7>>.^\A%
M3JIJZH%*#+(/?L^G5&A==/`@BN#7`Z2GQH_FK_$_Y25G?-=L_<FX.O=@="5N
MSZ6O[3[[H<;T?LWL;#;WVW)NW$;\ZYH^P\MA-W5O7U1@U2:GS>1QF,HJZ*02
M4GFA(E]^&>MM;RI0%<_F?*OD/]7Y'KAUC_.!_E[=J+WUE,-\BMF[;V!\>7VZ
M-S]N=D9"BZYZOWK2Y^AS50<OU'N;>%;B9.S,#BJ_;U7CY\AC:>2CFR$8BI):
MH.CM[K9MYE(!0U/^K[//_53HO>3_`)V?4B[TZ(EQ?3/9>VOCOWUV3F^O=H?)
MSY"Y7;7Q?V=N+%;2V[DMZ[O[4Z[V5W&^`WWO7JG;NTL=]Y)E:JEPC5WFCBH(
MZJ0L%]UOZ:4UI0D<17(_U>7KQX=#1MW^<;\'^P>[^K.A.G]W=@]R[E[3BWQE
M4WIL7JO><'3NPME=<8)\_O#LW?O;6]L?L[8U-UUAXA%329+%UF545E5!"5!E
M4^_=>-M,%+$`4^?56_>G\]OMKMSO[<_2G\N3JC-[^I.KM]]?;+Q^Z=V]?MD8
M_EWOG?V[8\'2[9Z1FKMT;8I=F=%[?P=#D\KE.R\A%74$U-3)+2PQT1CKZKW6
MOII:.Q``7U/^#U_P'RZV/JOL;);3Z:RO;79VTLIM2IVIUWE>P=\;%VX\G8^=
MP)VY@:G/[@V]@9-LT<3[VRU-!120TJ4,!>OJ-*Q(2R@^Z8ZU4?C[WGUC_,6_
MF>[J^4&P^QTZ#PN`ZUZ=Q>P^J_CQN^C[!^7?R<J=XBBWUN8]J[LQ597;;Z&V
MYL/:FV\!B]Y[3Q\C5>&6-J7)Y*GDF:GD]TI$ZBT>#)=C]@'Y^9_+'&IX=;@,
M9<>N0B[A20ANJD*0P6_U`/\`M_>S3RZ3`DJFKXO/JB/XY]=_S+_B/)\I=I;7
M^(O1'?N\>[?EEW=WDORBW3\N9>L\5V+B>R=Q^;KNOWWUW3=,[WWGM4=6]?4^
M+VY_`<=/544=+AE^QE19>-=7CTZQK)"_+I$?S%\E_,DV-\2QV!VU\DL1TI79
MK??5W6FZX/@+U7V9FL5U-@>P]_8[![J[RWMV3F<-OSOK<^W.O=KSS2QT&U=O
M[>FFR<E*M5-]JTSK[I\26RD=K$?/^6.'Y]%0W[\(^U)?B5N;NCXM]2?*G'9W
MK_87QYZ5_EO]>;HW-N[;GRXV?D)_DG2=L?(3Y7=YU&\MW>+"[N[>WIF:C)UJ
M9$PC^ZE`8:W'4\%:V.I]UZ\LL0TAJTSJQ^P"N<>O1[NX?AM_,D[(PG5?R#KN
MZ=B[R^4NR_EYUCWQ1_'2#M'L3J?XA]8]+[.QN[\!4]%;2S^T-GY/=O8VX\C_
M`!^CRFZ-T[IQ-<,[5TT\&/H,52&GIUT/GUY9(*LAJ$I2M,_GG\OYXX=*#=WQ
MS_G#0=C?'WY%R?*?JOM3=FU]_;KD[9^&VSJ_._&WXC)UYN38>8P>W(,/O%-C
M]M]T=J;EV'O*>FRE54[CFIJ7,H-%+08GQ6F]Y=;5K8ZP5(%,'B?]CHIOS\[;
M_F?[0WK\-^B.SOEK\=?CU5_S`_DU4_%%>O/BMU_N;+[XV;T[FMG9;);W[>VY
MWKVU5#<]=VIMV`TF*HYL7M[;U%A<CF:.K$E5*BA=_+JT?@.'*`G2"<_8304J
M/(_S\\$;\5_+<^6NR>Z>EJ[XI0_"'X0]-_$':G?W17Q_GP/7O9?>F\-T](]V
M2]:U(SN_MO5F\NKZ*I[*Q>8V)-F*Z3)YG-)EMP3_`'E7+422U,DONJ^)`%-0
MQ<_EGY>8'1:*C^7_`/S)_D?G=[=G]W[PW'D_EMTQG>R)OBEW[\A*SJRL^.G2
MN5P;;JQ766]_BW\-NF,D=D3=O[XQ%1CJBN[$[-_BU1M>HD$E!B:QJ&.!]=;$
MEL"*:M/I3_#GA^5?G3'0W=U?%[^=+WU\4=O[0A[\H/C=N'8&#ZPPM-UATKWE
M5U_R)[^CQU5L_"]H[B[P^<&4ZRQ%%LC<=7@Z+-Y/#4.RMJ8^"JR5?"E?DQ#%
MX4WY#KVNVU`]U/Y#Y`?[(Z,-F.M?YS?<>:V`V([7^*WP4ZBZ]WKMNH&S\*-_
M?,'O'L[96`I:VCE@[2[.W53]8;0HQ5!:2:HQ>,H:NJR4PE,^<B!TOKCTS*T1
M%$8EJ^E!^6?\_12,3\U/FM\6/YD'8_PIKM_;_P#YIN[L]\:>O>T<?L79O3W6
M_2TG3W;.<W%6X&@Q.]=^[0>DZXZ`Z-KMFT#9_*97=DN:S]74U]#38JEK'(2I
M]U1D9460TTG]O^K_``T/H>K7>FMO?/%=VQ]O_+_O'X][!Z]P.ULK+5_'7X_;
M/S%?LNDJWQTE16[G[&^1W;,U+N_<$.UX4DDBCQ6W]J4(\?DJ?.OI'NJ=*+YH
M[U[\KOA=W]G_`(.T^*WY\A\KU?4P=&O19#'U&-J,YNFGQ]'1;MV[D9,C1X3,
MUNV]O9>7,X]#4K2U=52PQN=+M?W6UIJ%>'1%_B6GS/Z)^.O6GQM^*7\N:GZI
MZ^ZTP<6%QF\OFI\G]C;7W%G\C)F5R&[]VY_9GQ^V_P![9O)Y_?-?6Y'+35-3
MDJ-SD*NS*(R1'[IV9UD8,&J?LI_E/^3I09[JCYW]2?.GY3_*/K_X\=3_`"?F
M[AVIU%U;TIN;>/R@J^F*7I7HCK_#C+9KK"/9L_4'8%;_`!7=';^:S.X,K7TM
M6T.4UT*E8?M0@]TST9O"=:?.#OKK'O#9?R;WETYT#CNU^HM\]:[*P_Q9K-\;
MM[#ZKS6]\9D,/'V1/W3OA-IT^3W1MFAJP]#1X[;=#31U5W:ID"I;W7N@!^*F
M5_F!?%OJ3JOXU;V^`/5N\-M='[-Q/6F%[6^+WR)V%M[9>\=O;3H:?$X/=..Z
M<[:P^Q]R[&RNX*&!:C)XR3*Y5(:]I62LJ5=2/=.ZE->XY^5?]7^3^?5D?4^\
M.Q]\8C*Y+L'I[+]*UD61-/A\!G=Y;/W?ELKC13JPR]8VQJ_)XC#,U1)H^W-5
M-+9+G3]/?CQZHQJ:@UZ__]+:^[$_E"_!CMKLSL7M7>/7&_Z2M[GSO][^Y^N=
MG_(#O;K_`*5[7WL<=!AZG>?8?3^PNP]N]>[HW-E<520P9&IGH#_%$C!K%J&+
M$^Z]T>;K[HSI?J;K:CZ;ZNZGZXZYZDH*"LQ5+UCL?9>W=K;!CQN2AD@RE`=I
M83'46"FI,K%,XJT>!A4ZV\NHL;^ZMK;US2G^KT_+IBZ4^,_QS^-6(R&`^._0
MW3W1.%R[TTF7Q?3_`%KL[KBBR\E"*A:%\M#M'#8E<D]`E5(L!GUF%794L#;W
MX#K3R.Q[JGH:EAC#`_N7`(&J61E%R3<*S%0W-K_6W'O?Y]5#$XH>NV@1M',B
MA-.E4E=%LI!`*JP5AQ:Q^HX]ZZWUS$:@W!>_^,CD'DGD,Q%[M]?K:P^@'OW7
MND/3]7=:4F_LIVM2=>[(I>T<WA\=MW,]DTVU,#3[^RVW\.:LXG!Y+>$5`FX:
M[$8O[^?[>FEJ&AA\SZ%&IK^ZL'8#37M].DYL#H/IOJS=_:_8'7O7>V]J;Z[S
MW53;V[=WCC*1O[S=@;EH,-0[>QM?N+-5$D]?608K"XV&GI*76M'21JWAB0NY
M;W6_$?M!.!T#>XOY?GPGW?WEF/DIN[XP].[K[OW!38RGSF_=S;.QNX*W+RX;
M'PXC%97(8K+I6;>JMQT&)IXJ6+*/1G(K30QQ"?QQHJ^KU;QI:4#D#I:=E_#W
MXH=S[SINQ>W_`(U=$]I;]I,53X.'>'8/5.Q]X;B_@U',]318J7*9["5U5/CZ
M*>1GAAD9DA9F*`:C?W6EED445R!T_P"Z_C/\<]][QV;V'O?H;IS>&_>N\5%@
M]@[RW1UGLS/;GV3A:>H%72XK:N;RF&JLA@,?1U0\D,5+)$D,A+(%))/NO"60
M`@.:=+G>/6W7O8:8B/L#8VT-]P[>RL.?P$&\MM83=$&#SU,DD=+G,-#G:&NC
MQ68IHYG6.IIQ',JN0&L??NM!V'PFGV8ZH_@ZBPW\SW^89W;V!N%\OD?@I\5.
MJT^&]1@,5F,MA]J_*CO].QL3V?W7BJVJQ,E+%NOH+JRIP&&VWF<7YEHL_N2A
MJ:6J%3243P/[JRS,@('$FM>KS\=L_:6.J,;7XS;&W\=6XC#P;=Q5;0X/&T%7
MC=OTBI%2X/'ST])#/0X6FCB58Z2,K`JJ`%L![]U0NQ!%33TZ4)IX222ERTBR
MDDDD2);0REB=.D`6`XM[]U7H+]F])]6=?[\[%[*V3LK#;6WEVO%M:+L/*X6F
M:@3=+[*I\K2;;K*^AB88U<C14>9GADJ8HHYJF/QB9I/%%H]U[H4_&ER;"Y`'
M].%^@XMP+^_=>Z\(U#:^2W]22>/Z6^EO?NO=>,:EP_.H?2Q('^Q'YX]^Z]UP
M:!&5EU2)J;4621E8$V!TL#==0%C;_>^??NO=<T0(H4,Q`)_403R;VO:_'OW7
MNN1_'UY_(_'^O[]UHFA`IQZHB^6OQ<^0?R>_FK_#G<&0Z/Q\'Q^^+F[MN=TX
M[Y'U5=A9X</B<!MW<6<S?6N)P-;N23)5&_.R.ZZ?:RR5%-BH3C=O8"HDDGD^
M[C0>STN61(K4A6!=P01_J^75[>@<\GD6(OQ]2;C^AN??ND770C0,7%PQ%B;\
M?6Y.G]-R?S:_OW7NN=O\3_O'_$`'W[KW59/S\^9>$Z.VQG=EXS=>Z=LU%)AL
M=5=G;YZQP^W]X=H["@WK5MA>I.K>J-CYJMA&Z_DQ\G-S13[?V#CHJ7)FBJDD
MRE=1FCIU\NZ'&,=/0IK>A6HH3\L>I]/^*X]-?\J3X8Y#XF?'S<6YNP]EX;9_
MR-^4O8F9^1'R$Q>*S&1W=6;<W/N](DVQUAEM_P"<J,AN'?E?U=L^.FQV1RE5
M55$>1W"V4KX"L58JCPSQZUK\5F#<*?9_J/#_``=&!^>W06Y/E/\`%_?OQFP/
MAIL%WQ-@>LNT<R]9!35>W^F]Q9FD3M+)XB*H9!7YJ?:$-314T*,L@DJQ(IU1
MCWKIKHR77?7.Q^JMB[+ZVZYVQB]E["Z^VQA=G;,VG@J9*'$;>VQMVAAQF%PU
M#20VCCIJ"BIT0#DDB[%CS[]U[I;!0/IQ86_!X^OU()]^Z]UR]^Z]U[W[KW6%
MZ>*3]:!Q9@0W(.JU[CZ&^G\^_=>ZYJBJ2PO<@`W)/T`'T^@^GXX]^Z]U_]/?
MX]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[
MKW7C]#]?]A]?]A_C[]U[H%N@_P#F7S?\R8_X_/L3_F0MO[@?\?UN#_.6X_OK
M_P`]'_U??N_?NO=#3[]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7
MNO>_=>Z][]U[KWOW7NO>_=>Z][]U[K7P[!_T>_\`#T6V_!_LB?\`I(_OML'[
MO_3)_LS_`/IN_@_^RWU.G_0E_$/^<4?]FMT>+[7[+_<[_HX\VKU?<>WE_L_E
M_J_.G1B*_11UUZ:-Z4^-?3NT?Q5_'2G6P</]A]3]/]<_[S_7_'VST7==^_=>
=Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z__]D_
`
end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
