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<SEC-DOCUMENT>0001206774-09-000799.txt : 20090417
<SEC-HEADER>0001206774-09-000799.hdr.sgml : 20090417
<ACCEPTANCE-DATETIME>20090417102114
ACCESSION NUMBER:		0001206774-09-000799
CONFORMED SUBMISSION TYPE:	DEF 14A
PUBLIC DOCUMENT COUNT:		8
CONFORMED PERIOD OF REPORT:	20090520
FILED AS OF DATE:		20090417
DATE AS OF CHANGE:		20090417
EFFECTIVENESS DATE:		20090417

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			INVESTORS TITLE CO
		CENTRAL INDEX KEY:			0000720858
		STANDARD INDUSTRIAL CLASSIFICATION:	TITLE INSURANCE [6361]
		IRS NUMBER:				561110199
		STATE OF INCORPORATION:			NC
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		DEF 14A
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-11774
		FILM NUMBER:		09755423

	BUSINESS ADDRESS:	
		STREET 1:		121 N COLUMBIA ST
		STREET 2:		P O DRAWER 2687
		CITY:			CHAPEL HILL
		STATE:			NC
		ZIP:			27514
		BUSINESS PHONE:		9199682200

	MAIL ADDRESS:	
		STREET 1:		121 NORTH COLUMBIA STREET
		CITY:			CHAPEL HILL
		STATE:			NC
		ZIP:			27514
</SEC-HEADER>
<DOCUMENT>
<TYPE>DEF 14A
<SEQUENCE>1
<FILENAME>investors_def14a.htm
<DESCRIPTION>DEFINITIVE PROXY STATEMENT
<TEXT>

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   <TITLE></TITLE>
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<P align=center><FONT face=serif size=2>SCHEDULE 14A </FONT></P>
<P align=center><FONT face=serif size=2>(Rule 14a-101) </FONT><FONT face=serif></FONT></P>
<P align=center><FONT face=serif size=2>INFORMATION REQUIRED IN PROXY STATEMENT
</FONT><FONT face=serif></FONT></P>
<P align=center><FONT face=serif size=2>SCHEDULE 14A INFORMATION </FONT><FONT face=serif></FONT></P>
<P align=center><FONT face=serif size=2>Proxy Statement Pursuant to Section
14(a) of the<BR>Securities Exchange Act of 1934 (Amendment No. )</FONT></P>
<P align=left><FONT face=serif size=2>Filed by the Registrant
[x]<BR></FONT><FONT face=serif size=2>Filed by a Party other than the Registrant
[_]<BR></FONT><FONT face=serif size=2><BR>Check the appropriate
box:<BR></FONT><FONT face=serif size=2>[_]&nbsp; Preliminary Proxy
Statement&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [_] Soliciting Material Under
Rule<BR></FONT><FONT face=serif size=2>[_]&nbsp; Confidential, For Use of
the&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
14a-12 <BR>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Commission Only (as permitted
<BR>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; by Rule 14a-6(e)(2))
<BR>[x]&nbsp;&nbsp;Definitive Proxy Statement <BR>[_]&nbsp; Definitive
Additional Materials</FONT></P>
<P align=center><FONT face=serif size=2><FONT face=serif size=2>Investors Title
Company
<BR></FONT>------------------------------------------------------------------------------------------------------------------------------------------------------</FONT>
</P>
<P align=center><FONT face=serif size=2>(Name of Registrant as Specified In Its
Charter)</FONT></P>
<P align=center><FONT face=serif size=2>------------------------------------------------------------------------------------------------------------------------------------------------------</FONT></P>
<P align=center><FONT face=serif size=2>(Name of Person(s) Filing Proxy
Statement, if Other Than the Registrant)</FONT></P>
<P align=justify><FONT face=serif size=2>Payment of Filing Fee (Check the
appropriate box):<BR></FONT><FONT face=serif size=2>[x]&nbsp; No fee
required.<BR></FONT><FONT face=serif size=2>[_] Fee computed on table below per
Exchange Act Rules 14a-6(i)(4) and 0-11.</FONT><FONT face=serif> </FONT></P>
<P align=justify><FONT face=serif size=2>1)&nbsp; Title of each class of
securities to which transaction applies:</FONT><FONT face=serif>
<BR>____________________________________________________________________________________<BR></FONT><FONT face=serif size=2>2)&nbsp; Aggregate number of securities to which transaction
applies:</FONT><FONT face=serif> <BR></FONT><FONT face=serif size=2>3)&nbsp; Per
unit price or other underlying value of transaction computed
pursuant</FONT><FONT face=serif> </FONT><FONT face=serif size=2>to Exchange Act
Rule 0-11 (set forth the <BR>&nbsp;&nbsp;&nbsp;&nbsp; amount on which the filing
fee&nbsp;is</FONT><FONT face=serif> </FONT><FONT face=serif size=2>calculated
and state how it was determined):</FONT><FONT face=serif> <BR></FONT><FONT face=serif size=2>4)&nbsp; Proposed maximum aggregate value of
transaction:</FONT><FONT face=serif>
<BR>____________________________________________________________________________________<BR></FONT><FONT face=serif size=2>5)&nbsp; Total fee paid:<BR></FONT><FONT face=serif size=2>[_]
Fee paid previously with preliminary materials:</FONT><FONT face=serif>
<BR></FONT><FONT face=serif size=2>[_] Check box if any part of the fee is
offset as provided by Exchange Act Rule</FONT><FONT face=serif> </FONT><FONT face=serif size=2>0-11(a)(2) and identify the filing for
which<BR>&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;the offsetting fee was paid </FONT><FONT face=serif size=2>previously. Identify the previous filing by registration
statement number,</FONT><FONT face=serif> </FONT><FONT face=serif size=2>or the
form or<BR>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; schedule and the date of its
filing.</FONT><FONT face=serif>
<BR>____________________________________________________________________________________<BR></FONT><FONT face=serif size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1) Amount previously
paid:<BR><FONT size=3>____________________________________________________________________________________</FONT><BR></FONT><FONT face=serif size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2) Form, Schedule or
Registration Statement No.:</FONT><FONT face=serif>
<BR>____________________________________________________________________________________<BR></FONT><FONT face=serif size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3) Filing Party:<BR><FONT size=3>____________________________________________________________________________________</FONT><BR></FONT><FONT face=serif size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4) Date Filed:</FONT></P>
<HR align=center width="100%" noShade SIZE=2>
<PAGE><BR>
<DIV align=center>
<TABLE cellSpacing=0 cellPadding=0 width="96%" border=0>

  <TR>
    <TD align=center width="99%"><IMG src="investors_def14a1x1x1.jpg" border=0></TD></TR>
  <TR>
    <TD align=center width="99%">
      <P align=center><FONT face=serif size=4>121 North Columbia Street, Chapel
      Hill, North Carolina 27514<BR></FONT><FONT face=serif size=4>(919)
      968-2200</FONT></P></TD></TR>
  <TR>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" width="99%">&nbsp;</TD></TR></TABLE></DIV>
<P align=left><FONT face=serif size=2></FONT>&nbsp;</P>
<P align=left><FONT face=serif size=2>April 14, 2009 </FONT></P>
<P align=left><FONT face=serif size=2></FONT>&nbsp;</P>
<P align=left><FONT face=serif size=2>Dear Shareholders: </FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>You are
cordially invited to attend the Annual Meeting of Shareholders of Investors
Title Company to be held at The Siena Hotel, 1505 East Franklin Street, Chapel
Hill, North Carolina on Wednesday, May 20, 2009 at 11:00 a.m. EDT. </FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>The Annual
Meeting will begin with a review of the activities of the Company for the past
year and a report on current operations during the first quarter of 2009,
followed by discussion and voting on the matters set forth in the accompanying
Notice of Annual Meeting and Proxy Statement. </FONT></P>
<P align=left><B><FONT face=serif size=2>The Board of Directors of the Company
unanimously recommends that you vote FOR the election of the directors nominated
to serve until the Annual Meeting of Shareholders in 2012 and for the 2009 Stock
Appreciation Right Plan.</FONT></B><FONT face=serif size=2> </FONT></P>
<P align=left><B><FONT face=serif size=2></FONT></B><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>I urge you to review
the Proxy Statement, sign and date the enclosed proxy card, and return it
promptly in the enclosed postage-paid envelope.</FONT>&nbsp;</P>
<DIV align=right>
<TABLE cellSpacing=0 cellPadding=0 width="45%" border=0>

  <TR>
    <TD noWrap align=left width="100%">
      <P align=left><FONT face=serif size=2>Cordially,&nbsp;</FONT> </P></TD></TR>
  <TR>
    <TD noWrap align=left width="100%">&nbsp;</TD></TR>
  <TR>
    <TD noWrap align=left width="100%"><IMG src="investors_def14a1x1x2.jpg" border=0></TD></TR>
  <TR>
    <TD noWrap align=left width="100%">&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="100%"><FONT face=serif size=2>J. Allen
      Fine</FONT>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="100%"><FONT face=serif size=2>Chief Executive
      Officer</FONT>&nbsp; </TD></TR></TABLE></DIV><BR>
<HR align=center width="100%" noShade SIZE=2>
<PAGE><BR>
<DIV align=center>
<TABLE cellSpacing=0 cellPadding=0 width="96%" border=0>

  <TR>
    <TD align=center width="99%"><IMG src="investors_def14a1x1x1.jpg" border=0></TD></TR>
  <TR>
    <TD align=center width="99%">
      <P align=center><FONT face=serif size=4>121 North Columbia Street, Chapel
      Hill, North Carolina 27514<BR></FONT><FONT face=serif size=4>(919)
      968-2200</FONT></P></TD></TR>
  <TR>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" width="99%">&nbsp;</TD></TR>
  <TR>
    <TD width="99%">&nbsp; </TD></TR>
  <TR>
    <TD align=center width="99%">
      <P align=center><B><FONT face=serif size=5>NOTICE OF ANNUAL MEETING OF
      SHAREHOLDERS<BR>TO BE HELD ON MAY 20, 2009</FONT></B></P></TD></TR>
  <TR>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" align=center width="99%">&nbsp; </TD></TR></TABLE></DIV>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp; <FONT face=serif size=2>The Annual
Meeting of the Shareholders of Investors Title Company will be held at The Siena
Hotel, 1505 East Franklin Street, Chapel Hill, North Carolina, on Wednesday, May
20, 2009 at 11:00 a.m. EDT, for the following purposes: </FONT></P>
<TABLE cellSpacing=0 cellPadding=0 border=0>

  <TR>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top noWrap><FONT face=serif size=2>(1)</FONT></TD>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top width="100%"><FONT face=serif size=2>To elect three
      directors for three-year terms or until their successors are elected and
      qualified;</FONT></TD></TR>
  <TR>
    <TD noWrap>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>
    <TD vAlign=top width="100%" colSpan=3>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top noWrap><FONT face=serif size=2>(2)</FONT></TD>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top width="100%"><FONT face=serif size=2>To consider and act
      upon a proposal for the approval of the 2009 Stock Appreciation Right
      Plan; and</FONT></TD></TR>
  <TR>
    <TD noWrap></TD>
    <TD vAlign=top width="100%" colSpan=3>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top noWrap><FONT face=serif size=2>(3)</FONT></TD>
    <TD vAlign=top noWrap>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>
    <TD vAlign=top width="100%"><FONT face=serif size=2>To consider any other
      business that may properly come before the
meeting.</FONT></TD></TR></TABLE>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Shareholders of record of Common Stock of the Company at the close of
business on April 3, 2009 are entitled to notice of and to vote at the meeting
and any adjournments thereof.&nbsp;</FONT>&nbsp;</P>
<TABLE cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR>
    <TD noWrap align=left width="50%"></TD>
    <TD noWrap align=left width="50%">
      <P align=left><FONT face=serif size=2>By Order of the Board of
      Directors:&nbsp;</FONT> </P></TD></TR>
  <TR>
    <TD noWrap align=left width="50%"></TD>
    <TD noWrap align=left width="50%">&nbsp;</TD></TR>
  <TR>
    <TD noWrap align=left width="50%"></TD>
    <TD noWrap align=left width="50%"><IMG src="investors_def14a1x2x2.jpg" border=0></TD></TR>
  <TR>
    <TD noWrap align=left width="50%"></TD>
    <TD noWrap align=left width="50%">&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="50%"></TD>
    <TD noWrap align=left width="50%">&nbsp;&nbsp; <FONT face=serif size=2>W.
      Morris Fine</FONT>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="50%"></TD>
    <TD noWrap align=left width="50%"><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp; </FONT>Secretary</FONT>&nbsp; </TD></TR>
  <TR>
    <TD noWrap align=left width="50%">&nbsp;</TD>
    <TD noWrap align=left width="50%">&nbsp;</TD></TR>
  <TR>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="50%">&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="50%">&nbsp;</TD></TR></TABLE><BR>
<P align=left><B><FONT face=serif size=2>IMPORTANT - Your proxy card is
enclosed. You can vote your shares by completing and returning your proxy card
in the enclosed postage-paid envelope. Whether or not you expect to be present
at the meeting, please review the Proxy Statement and promptly vote in order to
assist the Company in keeping down the expenses of the meeting. You can revoke
your proxy at any time prior to its exercise at the meeting by following the
instructions in the accompanying Proxy Statement. </FONT></B></P>
<HR align=center width="100%" noShade SIZE=2>
<PAGE>
<P align=center><B><FONT face=serif>TABLE OF CONTENTS </FONT></B></P>
<TABLE cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="85%"></TD>
    <TD noWrap align=right width="14%"><B><FONT face=serif size=2>Page</FONT></B> </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="85%" bgColor=#c0c0c0><B><FONT face=serif size=2>GENERAL INFORMATION</FONT></B> </TD>
    <TD noWrap align=right width="14%" bgColor=#c0c0c0><FONT face=serif size=2>1</FONT> </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="85%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>Proxy Solicitation by the Board of Directors</FONT> </TD>
    <TD noWrap align=right width="14%"><FONT face=serif size=2>1</FONT> </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="85%" bgColor=#c0c0c0>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>Submitting and Revoking a Proxy</FONT>&nbsp; </TD>
    <TD noWrap align=right width="14%" bgColor=#c0c0c0><FONT face=serif size=2>1</FONT> </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="85%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>Voting Securities</FONT> </TD>
    <TD noWrap align=right width="14%"><FONT face=serif size=2>1</FONT> </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="85%" bgColor=#c0c0c0>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>Annual Report to Shareholders</FONT>&nbsp; </TD>
    <TD noWrap align=right width="14%" bgColor=#c0c0c0><FONT face=serif size=2>1</FONT> </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="85%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>Electronic Delivery of Proxy Materials</FONT> </TD>
    <TD noWrap align=right width="14%"><FONT face=serif size=2>2</FONT> </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="85%" bgColor=#c0c0c0>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>Section 16(a) Beneficial Ownership Reporting Compliance</FONT> </TD>
    <TD noWrap align=right width="14%" bgColor=#c0c0c0><FONT face=serif size=2>2</FONT> </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="85%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>General Information</FONT> </TD>
    <TD noWrap align=right width="14%"><FONT face=serif size=2>2</FONT> </TD></TR>
  <TR>
    <TD width="99%" colSpan=2>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="85%" bgColor=#c0c0c0><B><FONT face=serif size=2>CORPORATE GOVERNANCE</FONT></B> </TD>
    <TD noWrap align=right width="14%" bgColor=#c0c0c0><FONT face=serif size=2>2</FONT> </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="85%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>Code of Business Conduct and Ethics</FONT> </TD>
    <TD noWrap align=right width="14%"><FONT face=serif size=2>2</FONT> </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="85%" bgColor=#c0c0c0>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>Shareholder Communications with Directors</FONT> </TD>
    <TD noWrap align=right width="14%" bgColor=#c0c0c0><FONT face=serif size=2>2</FONT> </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="85%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>Independent Directors</FONT> </TD>
    <TD noWrap align=right width="14%"><FONT face=serif size=2>3</FONT> </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="85%" bgColor=#c0c0c0>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>Executive Sessions</FONT> </TD>
    <TD noWrap align=right width="14%" bgColor=#c0c0c0><FONT face=serif size=2>3</FONT> </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="85%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>Compensation Committee Interlocks and Insider
      Participation</FONT> </TD>
    <TD noWrap align=right width="14%"><FONT face=serif size=2>3</FONT> </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="85%" bgColor=#c0c0c0>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>Board of Directors and Committees</FONT> </TD>
    <TD noWrap align=right width="14%" bgColor=#c0c0c0><FONT face=serif size=2>3</FONT> </TD></TR>
  <TR>
    <TD width="99%" colSpan=2>&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="85%" bgColor=#c0c0c0><B><FONT face=serif size=2>COMPENSATION OF DIRECTORS</FONT></B> </TD>
    <TD noWrap align=right width="14%" bgColor=#c0c0c0><FONT face=serif size=2>5</FONT> </TD></TR>
  <TR>
    <TD width="99%" colSpan=2>&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="85%" bgColor=#c0c0c0><B><FONT face=serif size=2>STOCK OWNERSHIP OF CERTAIN BENEFICAL OWNERS</FONT></B> </TD>
    <TD noWrap align=left width="14%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="85%" bgColor=#c0c0c0>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><FONT face=serif size=2>AND MANAGEMENT</FONT></B>&nbsp; </TD>
    <TD noWrap align=right width="14%" bgColor=#c0c0c0><FONT face=serif size=2>7</FONT> </TD></TR>
  <TR>
    <TD width="99%" colSpan=2>&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="85%" bgColor=#c0c0c0><B><FONT face=serif size=2>PROPOSALS REQUIRING YOUR VOTE</FONT></B> </TD>
    <TD noWrap align=right width="14%" bgColor=#c0c0c0><FONT face=serif size=2>9</FONT> </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="85%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><FONT face=serif size=2>Election of Directors</FONT></B> </TD>
    <TD noWrap align=right width="14%"><FONT face=serif size=2>9</FONT> </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="85%" bgColor=#c0c0c0>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>Information Regarding Nominees for Election as
      Directors</FONT> </TD>
    <TD noWrap align=right width="14%" bgColor=#c0c0c0><FONT face=serif size=2>9</FONT> </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="85%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>Information Regarding Directors Continuing in
      Office</FONT> </TD>
    <TD noWrap align=right width="14%"><FONT face=serif size=2>10</FONT>
</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="85%" bgColor=#c0c0c0>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><FONT face=serif size=2>Approval of the 2009 Stock Appreciation Right Plan</FONT></B> </TD>
    <TD noWrap align=right width="14%" bgColor=#c0c0c0><FONT face=serif size=2>11</FONT> </TD></TR>
  <TR>
    <TD width="99%" colSpan=2>&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="85%" bgColor=#c0c0c0><B><FONT face=serif size=2>INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM</FONT></B> </TD>
    <TD noWrap align=right width="14%" bgColor=#c0c0c0><FONT face=serif size=2>14</FONT> </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="85%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>Audit and Non-Audit Fees</FONT> </TD>
    <TD noWrap align=right width="14%"><FONT face=serif size=2>14</FONT>
</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="85%" bgColor=#c0c0c0>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>Audit and Non-Audit Services Pre-Approval Policy</FONT> </TD>
    <TD noWrap align=right width="14%" bgColor=#c0c0c0><FONT face=serif size=2>14</FONT> </TD></TR>
  <TR>
    <TD width="99%" colSpan=2>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="85%" bgColor=#c0c0c0><B><FONT face=serif size=2>AUDIT COMMITTEE REPORT</FONT></B> </TD>
    <TD noWrap align=right width="14%" bgColor=#c0c0c0><FONT face=serif size=2>15</FONT> </TD></TR>
  <TR>
    <TD width="99%" colSpan=2>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="85%" bgColor=#c0c0c0><B><FONT face=serif size=2>COMPENSATION COMMITTEE REPORT</FONT></B> </TD>
    <TD noWrap align=right width="14%" bgColor=#c0c0c0><FONT face=serif size=2>16</FONT> </TD></TR>
  <TR>
    <TD width="99%" colSpan=2>&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="85%" bgColor=#c0c0c0><B><FONT face=serif size=2>EXECUTIVE COMPENSATION</FONT></B> </TD>
    <TD noWrap align=right width="14%" bgColor=#c0c0c0><FONT face=serif size=2>16</FONT> </TD></TR>
  <TR>
    <TD width="99%" colSpan=2>&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="85%" bgColor=#c0c0c0><B><FONT face=serif size=2>CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS</FONT></B> </TD>
    <TD noWrap align=right width="14%" bgColor=#c0c0c0><FONT face=serif size=2>31</FONT> </TD></TR>
  <TR>
    <TD width="99%" colSpan=2>&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="85%" bgColor=#c0c0c0><B><FONT face=serif size=2>SHAREHOLDER PROPOSALS FOR 2010 ANNUAL MEETING</FONT></B> </TD>
    <TD noWrap align=right width="14%" bgColor=#c0c0c0><FONT face=serif size=2>31</FONT> </TD></TR>
  <TR>
    <TD width="99%" colSpan=2>&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="85%" bgColor=#c0c0c0><B><FONT face=serif size=2>APPENDIX A</FONT></B> </TD>
    <TD noWrap align=right width="14%" bgColor=#c0c0c0><FONT face=serif size=2>32</FONT> </TD></TR></TABLE><BR>
<HR align=center width="100%" noShade SIZE=2>
<PAGE><BR>
<DIV align=center>
<TABLE cellSpacing=0 cellPadding=0 width="98%" border=0>

  <TR>
    <TD align=center width="100%">
      <P align=center><B><FONT face=serif size=2>PROXY
    STATEMENT</FONT></B></P></TD></TR>
  <TR>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" align=center width="100%">&nbsp;</TD></TR>
  <TR>
    <TD align=center width="100%">&nbsp; </TD></TR>
  <TR>
    <TD align=center width="100%">
      <P align=center><B><FONT face=serif size=2>ANNUAL MEETING OF SHAREHOLDERS
      OF <BR>INVESTORS TITLE COMPANY</FONT></B><B><FONT face=serif size=2><BR></FONT></B><B><FONT face=serif size=2>To Be Held on May 20,
      2009</FONT></B></P></TD></TR>
  <TR>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" align=center width="100%">&nbsp;</TD></TR></TABLE></DIV>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp; <FONT face=serif size=2>This Proxy
Statement is furnished in connection with the solicitation by the Board of
Directors of Investors Title Company of proxies to be voted at the Annual
Shareholders&#146; Meeting to be held at The Siena Hotel, 1505 East Franklin Street,
Chapel Hill, North Carolina, on May 20, 2009 at 11:00 a.m. EDT, and at all
adjournments thereof. Shareholders of record at the close of business on April
3, 2009 are entitled to notice of and to vote at the meeting and any
adjournments thereof. </FONT></P>
<P align=center><B><FONT face=serif size=2>GENERAL INFORMATION </FONT></B></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><STRONG>Proxy Solicitation by the Board of Directors</STRONG></FONT><FONT face=serif size=2>. The solicitation of proxies is made on behalf of the
Company&#146;s Board of Directors and will be made either by mail or, as described
below, by electronic delivery. The cost of solicitation of proxies will be borne
by the Company. Copies of proxy materials and the Annual Report for 2008 will be
provided to brokers, dealers, banks and voting trustees or their nominees for
the purpose of soliciting proxies from the beneficial owners, and the Company
will reimburse these record holders for their out-of-pocket expenses.
</FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><STRONG>Submitting and Revoking a Proxy</STRONG></FONT><FONT face=serif size=2>. If you complete and submit your proxy, the persons named as proxies
will vote the shares represented by your proxy in accordance with your
instructions. If you submit a proxy card but do not fill out the voting
instructions on the proxy card, the persons named as proxies will vote the
shares represented by your proxy </FONT><B><FONT face=serif size=2>FOR</FONT></B><FONT face=serif size=2> the election of the director
nominees set forth herein and </FONT><B><FONT face=serif size=2>FOR</FONT></B><FONT face=serif size=2> the approval of the 2009 Stock
Appreciation Right Plan. In addition, if other matters are properly presented
for voting at the meeting, the persons named as proxies will vote on such
matters in accordance with their best judgment. The Company has not received
notice of other matters that may be properly presented for voting at the
meeting.</FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>To ensure that your vote is recorded properly, please vote your shares as
soon as possible, even if you plan to attend the meeting in person. Each proxy
executed and returned by a shareholder may be revoked at any time thereafter
except as to any matter or matters upon which, prior to such revocation, a vote
shall have been cast pursuant to the authority conferred by such proxy.
Shareholders with shares registered directly in their names may revoke their
proxy by (1) sending written notice of revocation to the Corporate Secretary,
P.O. Box 2687, Chapel Hill, North Carolina 27515-2687, (2) submitting a
subsequent proxy or (3) voting in person at the meeting. Attendance at the
meeting will not by itself revoke a proxy. A shareholder wishing to change his
or her vote who holds shares through a bank, brokerage firm or other nominee
must contact the record holder. </FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><STRONG>Voting Securities</STRONG></FONT><FONT face=serif size=2>. On
April 3, 2009, the Company had a total of 2,585,794 shares of Common Stock
outstanding, its only class of issued and outstanding capital stock. Of these
shares, 2,294,118 shares are entitled to one vote per share and 291,676 shares
are held by a subsidiary of the Company and, pursuant to North Carolina law, are
not entitled to vote. A majority of the shares entitled to vote at the meeting,
represented at the meeting in person or by proxy, will constitute a quorum.
</FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><STRONG>Annual Report to Shareholders</STRONG></FONT><FONT face=serif size=2>. An Annual Report of the Company for the calendar year 2008 including
financial statements and the independent registered public accounting firms&#146;
opinions, along with the Notice of Annual Meeting, Proxy Statement and proxy
card, are being first mailed to the Company&#146;s shareholders on or about April 14,
2009. </FONT></P>
<P align=center><FONT face=serif>1</FONT></P>
<HR align=center width="100%" noShade SIZE=2>
<PAGE>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><STRONG>Electronic Delivery of Proxy Materials</STRONG></FONT><FONT face=serif size=2>. The Notice of Annual Meeting and Proxy Statement and the
Company&#146;s 2008 Annual Report (the &#147;Proxy Materials&#148;) are available on the
Company&#146;s website at </FONT><U><FONT face=serif size=2>www.invtitle.com/investor-rel/proxy-materials</FONT></U><FONT face=serif size=2> as well as online to certain shareholders that have arranged through
their broker to receive the Proxy Materials electronically. Shareholders that
hold their shares in a brokerage account may have the opportunity to receive
future Proxy Materials electronically. Please contact your broker for
information regarding the availability of this service. </FONT></P>
<P align=left><FONT face=serif></FONT><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp; </FONT><STRONG>Section 16(a) Beneficial
Ownership Reporting Compliance</STRONG></FONT><FONT face=serif size=2>. Section
16(a) of the Securities Exchange Act of 1934 requires directors, executive
officers and all persons who beneficially own more than 10% of the Company&#146;s
securities to file reports with the Securities and Exchange Commission with
respect to beneficial ownership of Company securities. Based solely upon a
review of copies of the filings that the Company received with respect to the
fiscal year ended December 31, 2008, or written representations from certain
reporting persons, the Company believes that all reporting persons filed all
reports required by Section 16(a) in a timely manner. </FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><STRONG>General Information</STRONG></FONT><FONT face=serif size=2>. A
copy of the Company&#146;s 2008 Annual Report&nbsp;on Form 10-K filed with the
Securities and Exchange Commission,&nbsp;or copies of the exhibits to the Form
10-K,&nbsp;can be obtained without charge by contacting Investor Relations at
investorrelations@invtitle.com or P.O. Box 2687, Chapel Hill, North Carolina
27515-2687. </FONT></P>
<P align=center><B><FONT face=serif size=2>CORPORATE GOVERNANCE </FONT></B></P>
<P align=left><B><FONT face=serif size=2>Code of Business Conduct and
Ethics</FONT></B></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Company has a Code of Business Conduct and Ethics that is applicable
to all of the Company&#146;s employees, officers and directors, including its Chief
Executive Officer, Chief Financial Officer and Chief Accounting Officer. This
Code addresses a variety of issues, including conflicts of interest, the
protection of confidential information, insider trading, and employment
practices. It also requires strict compliance with all laws, rules and
regulations governing the conduct of the Company&#146;s business.</FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Code of Business Conduct and Ethics is posted in the Corporate
Governance area of the Investor Relations section of the Company&#146;s website at
</FONT><U><FONT face=serif size=2>www.invtitle.com</FONT></U><FONT face=serif size=2>. The Company intends to disclose future amendments to or waivers from
the Code of Business Conduct and Ethics on its website within two business days
after such amendment or waiver. </FONT></P>
<P align=left><B><FONT face=serif size=2>Shareholder Communications with
Directors </FONT></B></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Shareholders can communicate with members of the Company&#146;s Board of
Directors in one of two ways. Shareholders may mail correspondence to the
attention of the Corporate Secretary, P.O. Box 2687, Chapel Hill, North Carolina
27515-2687. Any correspondence sent via mail should clearly indicate that it is
a communication intended for the Board of Directors. Shareholders may also use
electronic mail to contact the Board of Directors at
boardofdirectors@invtitle.com. The Corporate Secretary regularly monitors this
email account. Any communication that is intended for a particular Board member
or committee should clearly state the intended recipient. </FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Corporate Secretary will review all communications sent to the Board
of Directors via mail and email and will forward all communications concerning
Company or Board matters to the Board members within five business days of
receipt. If a communication is directed to a particular Board member or
committee, it will be passed on only to that member or the members of that
committee. Otherwise, relevant communications will be forwarded to all Board
members. </FONT></P>
<P align=center><FONT face=serif>2 </FONT></P>
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<PAGE>
<P align=left><B><FONT face=serif size=2>Independent Directors </FONT></B></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Board of Directors has determined that the following directors are
independent directors within the meaning of the applicable listing standards of
The NASDAQ Stock Market LLC (&#147;NASDAQ&#148;) and the Company&#146;s Board of Directors
Independence Standards: Mr. David L. Francis, Mr. Richard M. Hutson II, Mr. R.
Horace Johnson, Mr. H. Joe King, Jr., Mr. James R. Morton and Mr. A. Scott
Parker III. The Board of Directors Independence Standards can be found in the
Investor Relations section of the Company&#146;s website at <U>www.invtitle.com</U>
under the heading &#147;Corporate Governance.&#148;</FONT></P>
<P align=left><B><FONT face=serif size=2>Executive Sessions </FONT></B></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Executive sessions that include only the independent members of the Board
of Directors are held periodically. </FONT></P>
<P align=left><B><FONT face=serif size=2>Compensation Committee Interlocks and
Insider Participation </FONT></B></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>In 2008, Mr. Hutson, Mr. Morton and Mr. Parker served as the members of
the Compensation Committee. Mr. Loren Harrell served on the Compensation
Committee until the end of his term in May, 2008, at which time Mr. Hutson
joined the Compensation Committee. None of these directors have ever been
officers or employees of the Company or any of its subsidiaries. During 2008,
none of the executive officers of the Company served on the compensation
committee (or equivalent), or the board of directors, of another entity whose
executive officer(s) served on the Board of Directors of the Company or its
Compensation Committee. </FONT></P>
<P align=left><B><FONT face=serif size=2>Board of Directors and Committees
</FONT></B></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>During the year ended December 31, 2008, the Board of Directors held four
meetings. All incumbent directors and nominees attended 75% or more of the
aggregate number of meetings of the Board of Directors and committees of the
Board on which they served. The Company expects each of its directors to attend
the Annual Meeting of Shareholders unless an emergency prevents them from
attending. All of the Board members were present at the 2008 Annual Meeting.
</FONT><B><I><FONT face=serif size=2></FONT></I></B></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Company&#146;s Board of Directors has a standing Audit Committee,
Compensation Committee, and Nominating Committee.</FONT></P>
<P align=left><FONT face=serif size=2></FONT><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp; </FONT><STRONG><EM>The Audit Committee.
</EM></STRONG></FONT><FONT face=serif size=2>In 2008 the Audit Committee was
composed of Mr. Francis, Mr. Johnson and Mr. King. The Audit Committee met nine
times in 2008. </FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Audit Committee is directly responsible for overseeing the Company&#146;s
accounting and financial reporting processes and appointing, retaining,
compensating and overseeing the Company&#146;s independent registered public
accounting firm and reviewing the scope of the annual audit proposed by the
independent registered public accounting firm. In addition, the Committee
reviews and approves related party transactions and periodically consults with
the independent registered public accounting firm on matters relating to
internal financial controls and procedures. The Committee is responsible for
establishing and administering complaint procedures related to accounting and
auditing matters.</FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Audit Committee operates under a written charter adopted by the Board
of Directors, a copy of which is posted under the Committee heading of the
Corporate Governance area of the Investor Relations section of the Company&#146;s
website at </FONT><U><FONT face=serif size=2>www.invtitle.com</FONT></U><FONT face=serif size=2>. The Audit Committee reviews and assesses the adequacy of the
charter on an annual basis. </FONT></P>
<P align=center><FONT face=serif>3 </FONT></P>
<HR align=center width="100%" noShade SIZE=2>
<PAGE>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Board of Directors has determined that each member of the Company's
Audit Committee is </FONT><FONT face=serif size=2>&#147;independent&#148; as defined under
applicable NASDAQ listing standards and SEC rules. The Board of Directors has
also determined that all of the current Audit Committee members&#151;Mr. Francis, Mr.
Johnson and Mr. King&#151;are &#147;audit committee financial experts&#148; as defined under
applicable SEC rules. See &#147;</FONT><I><FONT face=serif size=2>Audit Committee
Report</FONT></I><FONT face=serif size=2>&#148; below for the formal report of the
Audit Committee for 2008.</FONT></P>
<P align=left><FONT face=serif size=2></FONT><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp; </FONT><STRONG><EM>The Compensation
Committee</EM></STRONG></FONT><FONT face=serif size=2><STRONG>.
</STRONG></FONT><FONT face=serif size=2>In 2008, the Compensation Committee was
composed of Mr. Hutson, Mr. Morton and Mr. Parker. Mr. Loren Harrell served on
the Compensation Committee until the end of his term in May, 2008, at which time
Mr. Hutson joined the Compensation Committee. The Compensation Committee met
three times in 2008. The Board of Directors has determined that each member of
the Compensation Committee is &#147;independent&#148; as defined under applicable NASDAQ
listing standards.</FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Compensation Committee operates under a written charter that can be
found under the Committee heading of the Corporate Governance area of the
Investor Relations section of the Company&#146;s website at </FONT><U><FONT face=serif size=2>www.invtitle.com</FONT></U><FONT face=serif size=2>. The
Compensation Committee reviews and assesses the adequacy of the charter on an
annual basis.</FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Compensation Committee determines, or recommends to the Board of
Directors for determination and for payment by the Company&#146;s wholly owned
subsidiary, Investors Title Insurance Company, salaries, bonuses and other
compensation of executive officers. The Committee also reviews, approves and
administers the Company&#146;s equity incentive plans. For additional information
regarding the Company&#146;s processes and procedures for the consideration and
determination of director and executive officer compensation, see
&#147;</FONT><I><FONT face=serif size=2>Compensation of Directors&#148; </FONT></I><FONT face=serif size=2>and</FONT><I><FONT face=serif size=2> &#147;Executive Compensation
&#150; Compensation Discussion and Analysis &#150; Determining Executive
Compensation</FONT></I><FONT face=serif size=2>&#148; below. </FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>See &#147;</FONT><I><FONT face=serif size=2>Compensation Committee Report&#148;
</FONT></I><FONT face=serif size=2>below for the formal report of the
Compensation Committee for 2008. </FONT></P>
<P align=left><FONT face=serif size=2></FONT><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp; </FONT><STRONG><EM>The Nominating Committee.
</EM></STRONG></FONT><FONT face=serif size=2>In 2008, the Nominating Committee
was composed of Mr. Francis, Mr. King and Mr. Morton. The Nominating Committee
met two times in 2008. </FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Nominating Committee operates under a written charter that can be
found under the Committee heading of the Corporate Governance area of the
Investor Relations section of the Company&#146;s website at </FONT><U><FONT face=serif size=2>www.invtitle.com</FONT></U><FONT face=serif size=2>. The
Nominating Committee reviews and assesses the adequacy of the charter on an
annual basis.</FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Board of Directors has determined that each member of the Company&#146;s
Nominating Committee is &#147;independent&#148; as defined under applicable NASDAQ listing
standards. </FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Nominating Committee is responsible for identifying, evaluating and
recommending to the Board of Directors candidates for election to the Board of
Directors as well as appropriate members for the Audit and Compensation
Committees. A slate of nominees for director to present to the shareholders is
recommended to the Board of Directors by the Nominating Committee and determined
by at least a majority vote of the members of the Board of Directors whose terms
do not expire during the year in which the election of directors will
occur.</FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Nominating Committee considers a variety of factors before
recommending a new director nominee or the continued service of existing Board
members. At a minimum, the Nominating Committee believes that a director nominee
must demonstrate character and integrity, have an inquiring mind, possess
substantial experience at a strategy or policy setting level, demonstrate an
ability to work effectively with others, possess either high-level managerial
experience in a relatively complex organization or experience dealing with
complex problems, have sufficient time to devote to the affairs of the Company
and be free from conflicts of interest with the Company and its subsidiaries.
</FONT></P>
<P align=center><FONT face=serif>4</FONT></P>
<HR align=center width="100%" noShade SIZE=2>
<PAGE>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Other factors the Nominating Committee considers when evaluating a
potential director nominee are: </FONT></P>
<TABLE cellSpacing=0 cellPadding=0 border=0>

  <TR>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top noWrap><FONT face=serif size=2>1.</FONT></TD>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top width="100%"><FONT face=serif size=2>Whether the candidate
      would assist in achieving a diverse mix of Board members;</FONT></TD></TR>
  <TR>
    <TD noWrap>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>
    <TD vAlign=top width="100%" colSpan=3>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top noWrap><FONT face=serif size=2>2.</FONT></TD>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top width="100%"><FONT face=serif size=2>The extent of the
      candidate&#146;s business experience, technical expertise, and specialized
      skills or experience;</FONT></TD></TR>
  <TR>
    <TD noWrap></TD>
    <TD vAlign=top width="100%" colSpan=3>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top noWrap><FONT face=serif size=2>3.</FONT></TD>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top width="100%"><FONT face=serif size=2>Whether the candidate,
      by virtue of particular experience relevant to the Company's current or
      future business, will add specific value as a Board member;
  and</FONT></TD></TR>
  <TR>
    <TD noWrap></TD>
    <TD vAlign=top width="100%" colSpan=3>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top noWrap><FONT face=serif size=2>4.</FONT></TD>
    <TD vAlign=top noWrap>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>
    <TD vAlign=top width="100%"><FONT face=serif size=2>Any other factors
      related to the ability and willingness of a candidate to serve, or an
      incumbent director to continue his or her service to, the
    Company.</FONT></TD></TR></TABLE>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Nominating Committee believes that a majority of the members of the
Company&#146;s Board of Directors should be independent as defined under applicable
NASDAQ listing standards and, as a result, it also considers whether a potential
director nominee is independent under such standards. The Committee also
requires that all members of the Audit Committee be financially literate
pursuant to applicable NASDAQ listing standards and that at least one member of
the Audit Committee be an &#147;audit committee financial expert&#148; as defined under
SEC rules. Therefore, the Nominating Committee considers whether a potential
director nominee meets these criteria when evaluating his or her qualifications.
</FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>It is the policy of the Nominating Committee to consider all director
candidates recommended by shareholders, provided that such recommendations are
made in accordance with the procedures outlined below. The Nominating Committee
evaluates such candidates in accordance with the same criteria it uses to
evaluate all other director candidates. </FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Any shareholder that wishes to recommend a director candidate to be
considered for the 2010 Annual Meeting of Shareholders should send his or her
recommendation to the attention of the Corporate Secretary, Investors Title
Company, P.O. Box 2687, Chapel Hill, North Carolina 27515-2687, no later than
December 15, 2009. The candidate&#146;s name, age, business address, residential
address, principal occupation, qualifications and the number of shares of Common
Stock beneficially owned by the candidate must be provided with the
recommendation. The shareholder must also provide a signed consent of the
candidate to serve, if elected, as a director of the Company, and shall include
all other information that would be required under the rules of the SEC in the
proxy statement soliciting proxies for election of the director
candidate.</FONT></P>
<P align=center><B><FONT face=serif size=2>COMPENSATION OF DIRECTORS
</FONT></B></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>Directors
who are not employees of the Company receive an annual retainer for Board
services of $3,000 and an attendance fee of $1,500 for each meeting of the Board
of Directors attended, in addition to actual travel expenses related to the
meetings. Directors receive a $500 fee for participating in a committee meeting
provided that the committee meeting is held on a day other than the regularly
scheduled board meeting date. The Audit Committee Chairperson receives an
additional annual retainer of $500. Directors who are employees of the Company
are paid no fees or other remuneration for service on the Board or on any Board
committee.</FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>On May 21,
2008, the date of the Company&#146;s 2008 Annual Meeting of Shareholders, each
non-employee director was granted 500 Stock Appreciation Rights (&#147;SARs&#148;) under
the Company&#146;s 2001 Stock Option and Restricted Stock Plan with an exercise price
of $47.88. Upon exercise of each SAR, a director is entitled to receive an
amount (payable in shares of the Company&#146;s common stock) equal to the difference
between the closing price of the Company&#146;s common stock on the business day
immediately preceding the date of exercise and the exercise price. The number of
shares paid on exercise is determined by dividing this amount by the closing
price of the Company&#146;s common stock on the business day immediately preceding
the date of exercise. These SARs vest in four quarterly installments and became
exercisable, to the extent vested, as of June 30, 2008. These SARs will expire
on May 21, 2015.</FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>The Board of
Directors makes all decisions regarding the compensation of the members of the
Board of Directors. The Chief Executive Officer makes periodic recommendations
regarding director compensation, and the Board of Directors may exercise its
discretion in modifying any recommended compensation adjustments or awards to
the directors.</FONT></P>
<P align=center><FONT face=serif>5</FONT></P>
<HR align=center width="100%" noShade SIZE=2>
<PAGE>
<P align=center><B><FONT face=serif size=2>2008 Director Compensation
</FONT></B></P>
<DIV align=center>
<TABLE style="PADDING-RIGHT: 4pt; PADDING-LEFT: 4pt; LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="50%" border=0>

  <TR vAlign=bottom>
    <TD style="BORDER-TOP: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=center width="40%"></TD>
    <TD style="BORDER-TOP: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=center width="15%"><B><FONT face=serif size=2>Fees</FONT></B></TD>
    <TD style="BORDER-TOP: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=center width="15%"></TD>
    <TD style="BORDER-TOP: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=center width="15%"></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-TOP: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=center width="15%"></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="40%"></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="15%"><B><FONT face=serif size=2>Earned</FONT></B></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="15%"></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="15%"></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=center width="15%"></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="40%"></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="15%"><B><FONT face=serif size=2>or Paid</FONT></B></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="15%"><B><FONT face=serif size=2>Stock</FONT></B></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="15%"><B><FONT face=serif size=2>Option</FONT></B></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=center width="15%"></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="40%"></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="15%"><B><FONT face=serif size=2>In Cash</FONT></B></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="15%"><B><FONT face=serif size=2>Awards</FONT></B></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="15%"><B><FONT face=serif size=2>Awards</FONT></B></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=center width="15%"><B><FONT face=serif size=2>Total</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="40%"><B><FONT face=serif size=2>Name
      <SUP>(1)</SUP></FONT></B></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="15%"><B><FONT face=serif size=2>($)</FONT></B></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="15%"><B><FONT face=serif size=2>($)<SUP>(2)</SUP></FONT></B></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="15%"><B><FONT face=serif size=2>($)<SUP>(3)</SUP></FONT></B></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="15%"><B><FONT face=serif size=2>($)</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="40%"><FONT face=serif size=2>David L.
      Francis</FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="15%"><FONT face=serif size=2>13,000</FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="15%"><FONT face=serif size=2>6,434</FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="15%"><FONT face=serif size=2>-</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="15%"><FONT face=serif size=2>19,434</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="40%"><FONT face=serif size=2>Loren B. Harrell,
      Jr.</FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="15%"><FONT face=serif size=2>1,500</FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="15%"><FONT face=serif size=2>1,836</FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="15%"><FONT face=serif size=2>-</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="15%"><FONT face=serif size=2>3,336</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="40%"><FONT face=serif size=2>Richard M. Hutson
      II</FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="15%"><FONT face=serif size=2>7,500</FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="15%"><FONT face=serif size=2>4,599</FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="15%"><FONT face=serif size=2>-</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="15%"><FONT face=serif size=2>12,099</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="40%"><FONT face=serif size=2>R. Horace
      Johnson</FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="15%"><FONT face=serif size=2>12,500</FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="15%"><FONT face=serif size=2>6,434</FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="15%"><FONT face=serif size=2>-</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="15%"><FONT face=serif size=2>18,934</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="40%"><FONT face=serif size=2>H. Joe King,
      Jr.</FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="15%"><FONT face=serif size=2>13,500</FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="15%"><FONT face=serif size=2>6,434</FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="15%"><FONT face=serif size=2>-</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="15%"><FONT face=serif size=2>19,934</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="40%"><FONT face=serif size=2>James R.
      Morton</FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="15%"><FONT face=serif size=2>11,500</FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="15%"><FONT face=serif size=2>6,434</FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="15%"><FONT face=serif size=2>-</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="15%"><FONT face=serif size=2>17,934</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="40%"><FONT face=serif size=2>A. Scott Parker
      III</FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="15%"><FONT face=serif size=2>11,000</FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="15%"><FONT face=serif size=2>6,434</FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="15%"><FONT face=serif size=2>-</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="15%"><FONT face=serif size=2>17,434</FONT></TD></TR></TABLE></DIV><BR>
<TABLE cellSpacing=0 cellPadding=0 border=0>

  <TR>
    <TD vAlign=top noWrap><FONT face=serif size=2>(1)</FONT></TD>
    <TD vAlign=top noWrap></TD>
    <TD width="100%"><FONT face=serif size=2>J. Allen Fine, Chief Executive
      Officer and Chairman of the Board, James A. Fine, Jr., President, Chief
      Financial Officer and Treasurer, and W. Morris Fine, Executive Vice
      President and Secretary, are not included in this table as they are
      employees of the Company and do not receive compensation for their
      services as directors. The compensation received by Messrs. Fine, Fine,
      Jr. and Fine as employees of the Company is shown in the Summary
      Compensation Table on page 23.</FONT></TD></TR>
  <TR>
    <TD width="100%" colSpan=3>&nbsp; </TD></TR>
  <TR>
    <TD vAlign=top noWrap><FONT face=serif size=2>(2)</FONT></TD>
    <TD vAlign=top noWrap>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>
    <TD width="100%"><FONT face=serif size=2>The amounts shown in this column
      indicate the dollar amount of compensation cost recognized by the Company
      for financial statement reporting purposes in 2008 pursuant to Financial
      Accounting Standards Board Statement No. 123, &#147;Share Based Payment
      (revised 2004)&#148; (&#147;FAS 123R&#148;) for outstanding SARs, which comprise all
      outstanding awards of stock held by the directors, except for purposes of
      this column the Company has disregarded any estimates of forfeitures
      related to service-based vesting conditions. For additional information
      regarding the assumptions made in calculating these amounts, see Note 7 to
      the consolidated financial statements included in the Company&#146;s Annual
      Report on Form 10-K for the year ended December 31, 2008. For each
      director, the grant date fair value of SARs granted in 2008 computed in
      accordance with FAS 123R was $6,132. The aggregate number of SARs
      outstanding at December 31, 2008 held by directors was as
    follows:</FONT></TD></TR></TABLE><BR>
<DIV align=center>
<TABLE style="PADDING-RIGHT: 4pt; PADDING-LEFT: 4pt; LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="30%" border=0>

  <TR vAlign=bottom>
    <TD style="BORDER-TOP: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=center width="62%"></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-TOP: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=center width="37%"><B><FONT face=serif size=2>Outstanding</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="62%"></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=center width="37%"><B><FONT face=serif size=2>Stock</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="62%"></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=center width="37%"><B><FONT face=serif size=2>Awards
      at</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="62%"></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=center width="37%"><B><FONT face=serif size=2>Fiscal
      Year</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="62%"><B><FONT face=serif size=2>Name</FONT></B></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="37%"><B><FONT face=serif size=2>End</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="62%"><FONT face=serif size=2>David L.
      Francis</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="37%"><FONT face=serif size=2>1,500</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="62%"><FONT face=serif size=2>Richard M. Hutson
      II</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="37%"><FONT face=serif size=2>500</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="62%"><FONT face=serif size=2>R. Horace
      Johnson</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="37%"><FONT face=serif size=2>1,500</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="62%"><FONT face=serif size=2>H. Joe King,
      Jr.</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="37%"><FONT face=serif size=2>1,500</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="62%"><FONT face=serif size=2>James R.
      Morton</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="37%"><FONT face=serif size=2>1,500</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="62%"><FONT face=serif size=2>A. Scott Parker
      III</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="37%"><FONT face=serif size=2>1,500</FONT></TD></TR></TABLE></DIV>
<P align=center><FONT face=serif>6 </FONT></P>
<HR align=center width="100%" noShade SIZE=2>
<PAGE><!-- PART B --><BR>
<TABLE cellSpacing=0 cellPadding=0 border=0>

  <TR>
    <TD vAlign=top noWrap><FONT face=serif size=2>(3)</FONT></TD>
    <TD vAlign=top noWrap>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD width="100%"><FONT face=serif size=2>The Company did not recognize any
      compensation cost for financial statement reporting purposes in 2008
      pursuant to FAS 123R for option awards held by directors. The aggregate
      number of option awards outstanding at December 31, 2008 held by directors
      was as follows:</FONT></TD></TR>
  <TR>
    <TD width="100%" colSpan=3>&nbsp;</TD></TR></TABLE>
<DIV align=center>
<TABLE style="PADDING-RIGHT: 4pt; PADDING-LEFT: 4pt" cellSpacing=0 cellPadding=0 width="30%" border=0>

  <TR vAlign=bottom>
    <TD style="BORDER-TOP: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=center width="69%">&nbsp;&nbsp;</TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-TOP: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=center width="30%"><B><FONT face=serif size=2>Outstanding</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="69%">&nbsp;&nbsp;</TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=center width="30%"><B><FONT face=serif size=2>Option</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="69%">&nbsp;&nbsp;</TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=center width="30%"><B><FONT face=serif size=2>Awards
      at</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="69%">&nbsp;&nbsp;</TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=center width="30%"><B><FONT face=serif size=2>Fiscal
      Year</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="69%"><B><FONT face=serif size=2>Name</FONT></B></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="30%"><B><FONT face=serif size=2>End</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="69%"><FONT face=serif size=2>David L.
      Francis</FONT>&nbsp;</TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="30%"><FONT face=serif size=2>3,500</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="69%"><FONT face=serif size=2>Richard M. Hutson
      II</FONT>&nbsp;</TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="30%"><FONT face=serif size=2>0</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="69%"><FONT face=serif size=2>R. Horace
      Johnson</FONT>&nbsp;</TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="30%"><FONT face=serif size=2>500</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="69%"><FONT face=serif size=2>H. Joe King,
      Jr.</FONT>&nbsp;</TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="30%"><FONT face=serif size=2>3,500</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="69%"><FONT face=serif size=2>James R.
      Morton</FONT>&nbsp;</TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="30%"><FONT face=serif size=2>500</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="69%"><FONT face=serif size=2>A. Scott Parker
      III</FONT>&nbsp;</TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="30%"><FONT face=serif size=2>3,500</FONT></TD></TR></TABLE></DIV><BR>
<P align=center><B><FONT face=serif size=2>STOCK OWNERSHIP OF CERTAIN BENEFICIAL
OWNERS AND MANAGEMENT</FONT></B></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>The
following table indicates the persons known to the Company to be the beneficial
owners of more than five percent (5%) of the Company&#146;s outstanding Common Stock
as of April 3, 2009.</FONT></P>
<DIV align=center>
<TABLE cellSpacing=0 cellPadding=0 width="80%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="73%" colSpan=2><B><FONT face=serif size=2>Name and Address of</FONT></B>&nbsp;</TD>
    <TD noWrap align=center width="3%"></TD>
    <TD noWrap align=center width="11%" colSpan=2><B><FONT face=serif size=2>Amount and Nature</FONT></B></TD>
    <TD noWrap align=center width="3%">&nbsp;</TD>
    <TD noWrap align=center width="10%"><B><FONT face=serif size=2>Percent</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><B><FONT face=serif size=2>Beneficial Owner</FONT></B></TD>
    <TD noWrap align=left width="72%">&nbsp;</TD>
    <TD noWrap align=center width="3%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="11%" colSpan=2><B><FONT face=serif size=2>of Beneficial Ownership</FONT></B></TD>
    <TD noWrap align=center width="3%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="10%"><B><FONT face=serif size=2>of Class (1)</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="73%" bgColor=#c0c0c0 colSpan=2><FONT face=serif size=2>Markel Corporation</FONT>&nbsp;</TD>
    <TD vAlign=top noWrap align=right width="3%" bgColor=#c0c0c0></TD>
    <TD vAlign=top noWrap align=right width="8%" bgColor=#c0c0c0><FONT face=serif size=2>228,850<FONT style="BACKGROUND-COLOR: #c0c0c0" size=3>&nbsp;</FONT></FONT></TD>
    <TD vAlign=top noWrap align=left width="3%" bgColor=#c0c0c0><FONT face=serif size=2>(2)<FONT style="BACKGROUND-COLOR: #c0c0c0" size=3>&nbsp;</FONT></FONT></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=right width="10%" bgColor=#c0c0c0><FONT face=serif size=2>9.8%</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="73%" bgColor=#c0c0c0 colSpan=2>&nbsp; &nbsp;
      &nbsp;<FONT face=serif size=2>4521 Highwoods Parkway, Glen Allen, Virginia
      23060</FONT>&nbsp;</TD>
    <TD vAlign=top noWrap align=right width="3%" bgColor=#c0c0c0></TD>
    <TD vAlign=top noWrap align=right width="8%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD vAlign=top noWrap align=left width="3%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="10%" bgColor=#c0c0c0></TD></TR>
  <TR>
    <TD width="100%" colSpan=7>&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="73%" bgColor=#c0c0c0 colSpan=2><FONT face=serif size=2>J. Allen Fine</FONT>&nbsp;</TD>
    <TD vAlign=top noWrap align=right width="3%" bgColor=#c0c0c0></TD>
    <TD vAlign=top noWrap align=right width="8%" bgColor=#c0c0c0><FONT face=serif size=2>196,475</FONT>&nbsp;</TD>
    <TD vAlign=top noWrap align=left width="3%" bgColor=#c0c0c0><FONT face=serif size=2>(3)<FONT style="BACKGROUND-COLOR: #c0c0c0" size=3>&nbsp;</FONT></FONT></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=right width="10%" bgColor=#c0c0c0><FONT face=serif size=2>8.6%</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="73%" bgColor=#c0c0c0 colSpan=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>121 N.
      Columbia Street, Chapel Hill, North Carolina 27514</FONT>&nbsp;</TD>
    <TD vAlign=top noWrap align=right width="3%" bgColor=#c0c0c0></TD>
    <TD vAlign=top noWrap align=right width="8%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD vAlign=top noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="10%" bgColor=#c0c0c0></TD></TR>
  <TR>
    <TD width="100%" colSpan=7>&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="73%" bgColor=#c0c0c0 colSpan=2><FONT face=serif size=2>W. Morris Fine</FONT>&nbsp;</TD>
    <TD vAlign=top noWrap align=right width="3%" bgColor=#c0c0c0></TD>
    <TD vAlign=top noWrap align=right width="8%" bgColor=#c0c0c0><FONT face=serif size=2>179,064</FONT>&nbsp;</TD>
    <TD vAlign=top noWrap align=left width="3%" bgColor=#c0c0c0><FONT face=serif size=2>(4)<FONT style="BACKGROUND-COLOR: #c0c0c0" size=3>&nbsp;</FONT></FONT></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=right width="10%" bgColor=#c0c0c0><FONT face=serif size=2>7.8%</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="73%" bgColor=#c0c0c0 colSpan=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>121 N.
      Columbia Street, Chapel Hill, North Carolina 27514</FONT>&nbsp;</TD>
    <TD vAlign=top noWrap align=right width="3%" bgColor=#c0c0c0></TD>
    <TD vAlign=top noWrap align=right width="8%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD vAlign=top noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="10%" bgColor=#c0c0c0></TD></TR>
  <TR>
    <TD width="100%" colSpan=7>&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="73%" bgColor=#c0c0c0 colSpan=2><FONT face=serif size=2>James A. Fine, Jr.</FONT>&nbsp;</TD>
    <TD vAlign=top noWrap align=right width="3%" bgColor=#c0c0c0></TD>
    <TD vAlign=top noWrap align=right width="8%" bgColor=#c0c0c0><FONT face=serif size=2>178,416</FONT>&nbsp;</TD>
    <TD vAlign=top noWrap align=left width="3%" bgColor=#c0c0c0><FONT face=serif size=2>(5)<FONT style="BACKGROUND-COLOR: #c0c0c0" size=3>&nbsp;</FONT></FONT></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=right width="10%" bgColor=#c0c0c0><FONT face=serif size=2>7.8%</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="73%" bgColor=#c0c0c0 colSpan=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>121 N.
      Columbia Street, Chapel Hill, North Carolina 27514</FONT>&nbsp;</TD>
    <TD vAlign=top noWrap align=right width="3%" bgColor=#c0c0c0></TD>
    <TD vAlign=top noWrap align=right width="8%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD vAlign=top noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="10%" bgColor=#c0c0c0></TD></TR>
  <TR>
    <TD width="100%" colSpan=7>&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="73%" bgColor=#c0c0c0 colSpan=2><FONT face=serif size=2>Dimensional Fund Advisors LP</FONT>&nbsp;</TD>
    <TD vAlign=top noWrap align=right width="3%" bgColor=#c0c0c0></TD>
    <TD vAlign=top noWrap align=right width="8%" bgColor=#c0c0c0><FONT face=serif size=2>129,230<FONT style="BACKGROUND-COLOR: #c0c0c0" size=3>&nbsp;</FONT></FONT></TD>
    <TD vAlign=top noWrap align=left width="3%" bgColor=#c0c0c0><FONT size=2>(6)</FONT><FONT style="BACKGROUND-COLOR: #c0c0c0" size=3>&nbsp;</FONT></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="10%" bgColor=#c0c0c0><FONT face=serif size=2>5.6%</FONT></TD></TR>
  <TR vAlign=bottom bgColor=#c0c0c0>
    <TD noWrap align=left width="73%" colSpan=2><FONT face=serif size=2><FONT style="BACKGROUND-COLOR: #c0c0c0" size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>Palisades West, Building One,
      6300 Bee Cave Road, Austin, TX 78746</FONT>&nbsp;</TD>
    <TD vAlign=top noWrap align=right width="3%"></TD>
    <TD vAlign=top noWrap align=right width="8%"><FONT face=serif size=2>&nbsp;</FONT>&nbsp;</TD>
    <TD vAlign=top noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="3%">&nbsp;</TD>
    <TD noWrap align=left width="10%"></TD></TR></TABLE></DIV><BR>
<TABLE cellSpacing=0 cellPadding=0 border=0>

  <TR>
    <TD vAlign=top noWrap><FONT face=serif size=2>(1)</FONT></TD>
    <TD vAlign=top noWrap>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD width="100%"><FONT face=serif size=2>The percentages are calculated
      based on 2,294,118 shares outstanding as of April 3, 2009, which excludes
      291,676 shares held by a wholly-owned subsidiary of the Company. The
      shares held by the subsidiary are not entitled to vote at the Annual
      Shareholders&#146; Meeting.</FONT></TD></TR>
  <TR>
    <TD width="100%" colSpan=3>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap><FONT face=serif size=2>(2)</FONT></TD>
    <TD vAlign=top noWrap></TD>
    <TD width="100%"><FONT face=serif size=2>The information included in the
      above table is based solely on Amendment No. 5 to Schedule 13G filed with
      the SEC on January 23, 2009. Of these shares, Markel Corporation has sole
      voting and investment power with respect to 213,300 shares and shared
      investment power with respect to 15,550 shares.</FONT></TD></TR>
  <TR>
    <TD width="100%" colSpan=3>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap><FONT face=serif size=2>(3)</FONT></TD>
    <TD vAlign=top noWrap></TD>
    <TD width="100%"><FONT face=serif size=2>This includes 151,099 shares held
      by a limited liability company of which Mr. Fine is the manager and
      possesses sole voting and investment power with respect to such
      shares.</FONT></TD></TR>
  <TR>
    <TD width="100%" colSpan=3>&nbsp;</TD></TR></TABLE>
<P align=center><FONT face=serif><FONT size=2><FONT face=serif size=3>7</FONT></FONT></FONT></P>
<HR align=center width="100%" noShade SIZE=2>
<PAGE><BR>
<TABLE cellSpacing=0 cellPadding=0 border=0>

  <TR>
    <TD vAlign=top noWrap><FONT face=serif size=2>(4)</FONT></TD>
    <TD vAlign=top noWrap>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>
    <TD width="100%"><FONT face=serif size=2>This includes 95,000 shares held
      by a limited partnership of which Mr. Fine is a general partner and shares
      joint voting power over such shares with James A. Fine, Jr., such shares
      also being reflected in James A. Fine, Jr.&#146;s beneficially owned shares,
      and 4,052 shares held by family members.</FONT></TD></TR>
  <TR>
    <TD width="100%" colSpan=3>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap><FONT face=serif size=2>(5)</FONT></TD>
    <TD vAlign=top noWrap></TD>
    <TD width="100%"><FONT face=serif size=2>This includes 95,000 shares held
      by a limited partnership of which Mr. Fine is a general partner and shares
      joint voting power over such shares with W. Morris Fine, such shares also
      being reflected in W. Morris Fine&#146;s beneficially owned shares, and 1,965
      shares held by family members.</FONT></TD></TR>
  <TR>
    <TD width="100%" colSpan=3>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap><FONT face=serif size=2>(6)</FONT></TD>
    <TD vAlign=top noWrap></TD>
    <TD width="100%"><FONT face=serif size=2>The information included in the
      above table is based solely on Schedule 13G filed with the SEC on February
      9, 2009. Dimensional Fund Advisors LP has sole voting and investment power
      over these shares.</FONT></TD></TR></TABLE>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The table below sets forth the shares of the Company&#146;s Common Stock
beneficially owned as of April 3, 2009 by each director and nominee for
director, the executive officers named in the Summary Compensation Table, and
all directors and executive officers as a group. </FONT></P>
<DIV align=center>
<TABLE cellSpacing=0 cellPadding=0 width="80%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="38%" colSpan=2><B><FONT face=serif size=2>Name of</FONT></B>&nbsp; </TD>
    <TD noWrap align=center width="15%"></TD>
    <TD noWrap align=center width="22%" colSpan=2><B><FONT face=serif size=2>Amount and Nature</FONT></B> </TD>
    <TD noWrap align=left width="15%">&nbsp; </TD>
    <TD noWrap align=right width="10%"><B><FONT face=serif size=2>Percent</FONT></B> </TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT size=+0><B><FONT face=serif size=2>Beneficial
      Owner</FONT></B> </FONT></TD>
    <TD noWrap align=left width="37%">&nbsp;</TD>
    <TD noWrap align=center width="15%">&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="22%" colSpan=2><FONT size=+0><B><FONT face=serif size=2>of Beneficial
      Ownership</FONT></B> </FONT></TD>
    <TD noWrap align=left width="15%">&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="10%"><FONT size=+0><B><FONT face=serif size=2>of Class
      (1)</FONT></B> </FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="38%" bgColor=#c0c0c0 colSpan=2><FONT face=serif size=2>J. Allen Fine</FONT>&nbsp; </TD>
    <TD noWrap align=right width="15%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="12%" bgColor=#c0c0c0><FONT face=serif size=2>196,475</FONT>&nbsp; </TD>
    <TD noWrap align=left width="10%" bgColor=#c0c0c0><FONT face=serif size=2>(2)</FONT> </TD>
    <TD noWrap align=left width="15%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD noWrap align=right width="10%" bgColor=#c0c0c0><FONT face=serif size=2>8.6%</FONT> </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="38%" colSpan=2><FONT face=serif size=2>W.
      Morris Fine</FONT>&nbsp; </TD>
    <TD noWrap align=right width="15%"></TD>
    <TD noWrap align=right width="12%"><FONT face=serif size=2>179,064</FONT>&nbsp; </TD>
    <TD noWrap align=left width="10%"><FONT face=serif size=2>(3)</FONT> </TD>
    <TD noWrap align=left width="15%">&nbsp; </TD>
    <TD noWrap align=right width="10%"><FONT face=serif size=2>7.8%</FONT>
  </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="38%" bgColor=#c0c0c0 colSpan=2><FONT face=serif size=2>James A. Fine, Jr.</FONT>&nbsp; </TD>
    <TD noWrap align=right width="15%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="12%" bgColor=#c0c0c0><FONT face=serif size=2>178,416</FONT>&nbsp; </TD>
    <TD noWrap align=left width="10%" bgColor=#c0c0c0><FONT face=serif size=2>(4)</FONT> </TD>
    <TD noWrap align=left width="15%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD noWrap align=right width="10%" bgColor=#c0c0c0><FONT face=serif size=2>7.8%</FONT> </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="38%" colSpan=2><FONT face=serif size=2>David
      L. Francis</FONT>&nbsp; </TD>
    <TD noWrap align=right width="15%"></TD>
    <TD noWrap align=right width="12%"><FONT face=serif size=2>49,666</FONT>&nbsp; </TD>
    <TD noWrap align=left width="10%"><FONT face=serif size=2>(5)</FONT> </TD>
    <TD noWrap align=left width="15%">&nbsp; </TD>
    <TD noWrap align=right width="10%"><FONT face=serif size=2>2.2%</FONT>
  </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="38%" bgColor=#c0c0c0 colSpan=2><FONT face=serif size=2>H. Joe King, Jr.</FONT>&nbsp; </TD>
    <TD noWrap align=right width="15%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=right width="12%" bgColor=#c0c0c0><FONT face=serif size=2>22,339</FONT>&nbsp; </TD>
    <TD noWrap align=left width="10%" bgColor=#c0c0c0><FONT face=serif size=2>(6)</FONT> </TD>
    <TD noWrap align=left width="15%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD noWrap align=right width="10%" bgColor=#c0c0c0><FONT face=serif size=2>*</FONT> </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="38%" colSpan=2><FONT face=serif size=2>A.
      Scott Parker III</FONT>&nbsp; </TD>
    <TD noWrap align=right width="15%"></TD>
    <TD noWrap align=right width="12%"><FONT face=serif size=2>14,160</FONT>&nbsp; </TD>
    <TD noWrap align=left width="10%"><FONT face=serif size=2>(7)</FONT> </TD>
    <TD noWrap align=left width="15%">&nbsp; </TD>
    <TD noWrap align=right width="10%"><FONT face=serif size=2>*</FONT> </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="38%" bgColor=#c0c0c0 colSpan=2><FONT face=serif size=2>James R. Morton</FONT>&nbsp; </TD>
    <TD noWrap align=right width="15%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="12%" bgColor=#c0c0c0><FONT face=serif size=2>12,915</FONT>&nbsp; </TD>
    <TD noWrap align=left width="10%" bgColor=#c0c0c0><FONT face=serif size=2>(8)</FONT> </TD>
    <TD noWrap align=left width="15%" bgColor=#c0c0c0>&nbsp; </TD>
    <TD noWrap align=right width="10%" bgColor=#c0c0c0><FONT face=serif size=2>*</FONT> </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="38%" colSpan=2><FONT face=serif size=2>R.
      Horace Johnson</FONT>&nbsp; </TD>
    <TD noWrap align=right width="15%"></TD>
    <TD noWrap align=right width="12%"><FONT face=serif size=2>2,500</FONT>&nbsp; </TD>
    <TD noWrap align=left width="10%"><FONT face=serif size=2>(9)</FONT> </TD>
    <TD noWrap align=left width="15%">&nbsp; </TD>
    <TD noWrap align=right width="10%"><FONT face=serif size=2>*</FONT> </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="38%" bgColor=#c0c0c0 colSpan=2><FONT face=serif size=2>Richard M. Hutson II</FONT>&nbsp; </TD>
    <TD noWrap align=right width="15%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="12%" bgColor=#c0c0c0><FONT face=serif size=2>1,607<FONT size=3>&nbsp; </FONT></FONT></TD>
    <TD noWrap align=left width="10%" bgColor=#c0c0c0><FONT size=2>(10)</FONT>
    </TD>
    <TD noWrap align=left width="15%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="10%" bgColor=#c0c0c0><FONT face=serif size=2>*</FONT> </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="38%" colSpan=2><FONT face=serif size=2>All
      Directors and</FONT>&nbsp; </TD>
    <TD noWrap align=right width="15%"></TD>
    <TD noWrap align=right width="12%">&nbsp; </TD>
    <TD noWrap align=left width="10%"></TD>
    <TD noWrap align=left width="15%">&nbsp; </TD>
    <TD noWrap align=left width="10%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="38%" colSpan=2><FONT face=serif size=2>Executive Officers as a Group</FONT>&nbsp; </TD>
    <TD noWrap align=right width="15%"></TD>
    <TD noWrap align=right width="12%">&nbsp; </TD>
    <TD noWrap align=left width="10%"></TD>
    <TD noWrap align=left width="15%">&nbsp; </TD>
    <TD noWrap align=left width="10%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="38%" colSpan=2><FONT face=serif size=2>(9
      persons)</FONT>&nbsp; </TD>
    <TD noWrap align=right width="15%"></TD>
    <TD noWrap align=right width="12%"><FONT face=serif size=2>657,142</FONT>&nbsp; </TD>
    <TD noWrap align=left width="10%"><FONT size=2>(11)</FONT> </TD>
    <TD noWrap align=left width="15%"></TD>
    <TD noWrap align=right width="10%"><FONT face=serif size=2>28.6%</FONT>
  </TD></TR></TABLE></DIV><BR>
<P align=left><FONT face=serif size=2>*Represents less than 1% </FONT></P>
<TABLE cellSpacing=0 cellPadding=0 border=0>

  <TR>
    <TD vAlign=top noWrap><FONT face=serif size=2>(1)</FONT></TD>
    <TD vAlign=top noWrap>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>
    <TD width="100%"><FONT face=serif size=2>The percentages are calculated
      based on 2,294,118 shares outstanding as of April 3, 2009, which excludes
      291,676 outstanding shares held by a subsidiary of the Company. The shares
      held by the subsidiary are not entitled to vote at the Annual
      Shareholders&#146; Meeting.</FONT></TD></TR>
  <TR>
    <TD width="100%" colSpan=3>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap><FONT face=serif size=2>(2)</FONT></TD>
    <TD vAlign=top noWrap></TD>
    <TD width="100%"><FONT face=serif size=2>This includes 151,099 shares held
      by a limited liability company of which Mr. Fine is the manager and
      possesses sole voting and investment power with respect to such
      shares.</FONT></TD></TR>
  <TR>
    <TD width="100%" colSpan=3>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap><FONT face=serif size=2>(3)</FONT></TD>
    <TD vAlign=top noWrap></TD>
    <TD width="100%"><FONT face=serif size=2>This includes 95,000 shares held
      by a limited partnership of which Mr. Fine is a general partner and shares
      joint voting power over such shares with James A. Fine, Jr., such shares
      also being reflected in James A. Fine, Jr.&#146;s beneficially owned shares,
      and 4,052 shares held by family members.</FONT></TD></TR>
  <TR>
    <TD width="100%" colSpan=3>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap><FONT face=serif size=2>(4)</FONT></TD>
    <TD vAlign=top noWrap></TD>
    <TD width="100%"><FONT face=serif size=2>This includes 95,000 shares held
      by a limited partnership of which Mr. Fine is a general partner and shares
      joint voting power over such shares with W. Morris Fine, such shares also
      being reflected in W. Morris Fine&#146;s beneficially owned shares, and 1,965
      shares held by family members.</FONT></TD></TR>
  <TR>
    <TD width="100%" colSpan=3>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap><FONT face=serif size=2>(5)</FONT></TD>
    <TD vAlign=top noWrap></TD>
    <TD width="100%"><FONT face=serif size=2>This total includes 5,000 shares
      of Common Stock that Mr. Francis has the right to purchase under stock
      options and stock appreciation rights that are presently exercisable or
      are exercisable within 60 days of April 3, 2009.</FONT></TD></TR>
  <TR>
    <TD width="100%" colSpan=3>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap><FONT face=serif size=2>(6)</FONT></TD>
    <TD vAlign=top noWrap></TD>
    <TD width="100%"><FONT face=serif size=2>This total includes 5,000 shares
      of Common Stock that Mr. King has the right to purchase under stock
      options and stock appreciation rights that are presently exercisable or
      are exercisable within 60 days of April 3, 2009. This total also includes
      700 shares held by his wife.</FONT></TD></TR>
  <TR>
    <TD width="100%" colSpan=3>&nbsp;</TD></TR></TABLE>
<P align=center><FONT face=serif>8 </FONT></P>
<HR align=center width="100%" noShade SIZE=2>
<PAGE><BR>
<TABLE cellSpacing=0 cellPadding=0 border=0>

  <TR>
    <TD vAlign=top noWrap><FONT face=serif size=2>(7)</FONT></TD>
    <TD vAlign=top noWrap>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>
    <TD width="100%"><FONT face=serif size=2>This total includes 5,000 shares
      of Common Stock that Mr. Parker has the right to purchase under stock
      options and stock appreciation rights that are presently exercisable or
      are exercisable within 60 days of April 3, 2009. Additionally, this total
      includes 3,266 shares held by his wife.</FONT></TD></TR>
  <TR>
    <TD width="100%" colSpan=3>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap><FONT face=serif size=2>(8)</FONT></TD>
    <TD vAlign=top noWrap></TD>
    <TD width="100%"><FONT face=serif size=2>This total includes 2,000 shares
      of Common Stock that Mr. Morton has the right to purchase under stock
      options and stock appreciation rights that are presently exercisable or
      are exercisable within 60 days of April 3, 2009.</FONT></TD></TR>
  <TR>
    <TD width="100%" colSpan=3>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap><FONT face=serif size=2>(9)</FONT></TD>
    <TD vAlign=top noWrap></TD>
    <TD width="100%"><FONT face=serif size=2>This total includes 2,000 shares
      of Common Stock that Mr. Johnson has the right to purchase under stock
      options and stock appreciation rights that are presently exercisable or
      are exercisable within 60 days of April 3, 2009.</FONT></TD></TR>
  <TR>
    <TD width="100%" colSpan=3>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap><FONT face=serif size=2>(10)</FONT></TD>
    <TD vAlign=top noWrap></TD>
    <TD width="100%"><FONT face=serif size=2>This total includes 500 shares of
      Common Stock that Mr. Hutson has the right to purchase under stock
      appreciation rights that are presently exercisable or exercisable within
      60 days of April 3, 2009.</FONT></TD></TR>
  <TR>
    <TD width="100%" colSpan=3>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap><FONT face=serif size=2>(11)</FONT></TD>
    <TD vAlign=top noWrap></TD>
    <TD width="100%"><FONT face=serif size=2>This total includes 19,500 shares
      of Common Stock that all directors, nominees for director and executive
      officers as a group, have the right to purchase under stock options and
      stock appreciation rights that are presently exercisable or are
      exercisable within 60 days of April 3, 2009.</FONT></TD></TR></TABLE>
<P align=center><B><FONT face=serif size=2>PROPOSALS REQUIRING YOUR VOTE
</FONT></B></P>
<P align=left><B><FONT face=serif size=2>Proposal 1 - Election of Directors
</FONT></B></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Company&#146;s Board of Directors is composed of 9 members divided into
three classes with staggered terms of three years for each class. Based on the
recommendations of the Nominating Committee, the Board of Directors has
nominated James A. Fine, Jr., H. Joe King, Jr. and James R. Morton for election
to serve for a three-year period or until their respective successors have been
elected and qualified.</FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The nominees will be elected if they receive a plurality of the votes
cast for their election. Broker non-votes and abstentions will be counted for
purposes of establishing a quorum, but will not be counted in the election of
directors and therefore will not affect the election results if a quorum is
present. It is the intention of the persons named as proxies in the accompanying
proxy card to vote all shares represented by proxy for the three nominees listed
below, unless the authority to vote is withheld. If any of the nominees should
withdraw or otherwise become unavailable for reasons not presently known, the
shares represented by proxy will be voted for three nominees including such
substitutions as shall be designated by the Board of Directors. The shares
represented by proxy in no event will be voted for more than three persons.
</FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><STRONG>The Board unanimously recommends that you vote &#147;FOR&#148; the election
of the directors nominated to serve until the Annual Meeting of Shareholders in
2012. </STRONG></FONT></P>
<P align=left><B><I><FONT face=serif size=2>Information Regarding Nominees for
Election as Directors </FONT></I></B></P>
<DIV align=center>
<TABLE cellSpacing=0 cellPadding=0 width="60%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="40%" colSpan=2>&nbsp; </TD>
    <TD noWrap align=left width="10%"></TD>
    <TD noWrap align=left width="10%">&nbsp; </TD>
    <TD noWrap align=center width="10%"></TD>
    <TD noWrap align=center width="10%"><B><FONT face=serif size=2>Served
      as</FONT></B> </TD>
    <TD noWrap align=center width="10%"></TD>
    <TD noWrap align=center width="10%"><B><FONT face=serif size=2>Term</FONT></B> </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="40%" colSpan=2>&nbsp; </TD>
    <TD noWrap align=left width="10%"></TD>
    <TD noWrap align=left width="10%">&nbsp;</TD>
    <TD noWrap align=center width="10%"></TD>
    <TD noWrap align=center width="10%"><B><FONT face=serif size=2>Director</FONT></B> </TD>
    <TD noWrap align=center width="10%"></TD>
    <TD noWrap align=center width="10%"><B><FONT face=serif size=2>to</FONT></B> </TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT size=+0><B><FONT face=serif size=2>Name</FONT></B>
    </FONT></TD>
    <TD noWrap align=left width="39%">&nbsp;</TD>
    <TD noWrap align=center width="10%"><FONT size=+0>&nbsp;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="10%"><FONT size=+0><B><FONT face=serif size=2>Age</FONT></B>
    </FONT></TD>
    <TD noWrap align=center width="10%"><FONT size=+0>&nbsp;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="10%"><FONT size=+0><B><FONT face=serif size=2>Since</FONT></B>
      </FONT></TD>
    <TD noWrap align=center width="10%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="10%"><FONT size=+0><B><FONT face=serif size=2>Expire</FONT></B>
      </FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="40%" bgColor=#c0c0c0 colSpan=2><FONT face=serif size=2>James A. Fine, Jr.</FONT>&nbsp; </TD>
    <TD noWrap align=center width="10%" bgColor=#c0c0c0></TD>
    <TD noWrap align=center width="10%" bgColor=#c0c0c0><FONT face=serif size=2>46</FONT> </TD>
    <TD noWrap align=center width="10%" bgColor=#c0c0c0></TD>
    <TD noWrap align=center width="10%" bgColor=#c0c0c0><FONT face=serif size=2>1997</FONT> </TD>
    <TD noWrap align=center width="10%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=center width="10%" bgColor=#c0c0c0><FONT face=serif size=2>2009</FONT> </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="40%" colSpan=2><FONT face=serif size=2>H. Joe
      King, Jr.</FONT>&nbsp; </TD>
    <TD noWrap align=center width="10%"></TD>
    <TD noWrap align=center width="10%"><FONT face=serif size=2>76</FONT> </TD>
    <TD noWrap align=center width="10%"></TD>
    <TD noWrap align=center width="10%"><FONT face=serif size=2>1983</FONT>
</TD>
    <TD noWrap align=center width="10%"></TD>
    <TD noWrap align=center width="10%"><FONT face=serif size=2>2009</FONT>
  </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="40%" bgColor=#c0c0c0 colSpan=2><FONT face=serif size=2>James R. Morton</FONT>&nbsp; </TD>
    <TD noWrap align=center width="10%" bgColor=#c0c0c0></TD>
    <TD noWrap align=center width="10%" bgColor=#c0c0c0><FONT face=serif size=2>71</FONT> </TD>
    <TD noWrap align=center width="10%" bgColor=#c0c0c0></TD>
    <TD noWrap align=center width="10%" bgColor=#c0c0c0><FONT face=serif size=2>1985</FONT> </TD>
    <TD noWrap align=center width="10%" bgColor=#c0c0c0></TD>
    <TD noWrap align=center width="10%" bgColor=#c0c0c0><FONT face=serif size=2>2009</FONT> </TD></TR></TABLE></DIV><BR>
<P align=center><FONT face=serif>9 </FONT></P>
<HR align=center width="100%" noShade SIZE=2>
<PAGE>
<P align=left><B><FONT face=serif size=2>James A. Fine, Jr.</FONT></B><FONT face=serif size=2> is President, Chief Financial Officer and Treasurer of the
Company, Executive Vice President, Chief Financial Officer and Treasurer of
Investors Title Insurance Company, Executive Vice President and Chief Financial
Officer of Northeast Investors Title Insurance Company, Executive Vice President
of Investors Title Management Services, Inc., President of Investors Title
Exchange Corporation and Investors Title Accommodation Corporation, and Chief
Executive Officer of Investors Trust Company and Investors Capital Management
Company. Additionally, Mr. Fine serves as Chairman of the Board of Investors
Title Accommodation Corporation. Investors Title Insurance Company, Northeast
Investors Title Insurance Company, Investors Title Management Services, Inc.,
Investors Title Exchange Corporation, Investors Title Accommodation Corporation,
Investors Capital Management Company and Investors Trust Company are all wholly
owned subsidiaries of the Company. Mr. Fine is the son of J. Allen Fine, Chief
Executive Officer and Chairman of the Board of the Company, and brother of W.
Morris Fine, Executive Vice President and Secretary of the Company. </FONT></P>
<P align=left><B><FONT face=serif size=2>H. Joe King, Jr.</FONT></B><FONT face=serif size=2> retired as President and Chairman of the Board of Home
Federal Savings &amp; Loan Association in Charlotte, North Carolina and its
parent company, HFNC Financial Corporation, in 1998, where he had been employed
since 1962. </FONT></P>
<P align=left><B><FONT face=serif size=2>James R. Morton</FONT></B><FONT face=serif size=2> was President of J. R. Morton Associates from 1968 until he
retired in 1988. He is currently President of TransCarolina Corporation, a real
estate investment company. </FONT></P>
<P align=left><B><I><FONT face=serif size=2>Information Regarding Directors
Continuing in Office </FONT></I></B></P>
<DIV align=center>
<TABLE cellSpacing=0 cellPadding=0 width="60%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="40%" colSpan=2>&nbsp; </TD>
    <TD noWrap align=left width="10%"></TD>
    <TD noWrap align=left width="10%">&nbsp; </TD>
    <TD noWrap align=center width="10%"></TD>
    <TD noWrap align=center width="10%"><B><FONT face=serif size=2>Served
      as</FONT></B> </TD>
    <TD noWrap align=center width="10%"></TD>
    <TD noWrap align=center width="10%"><B><FONT face=serif size=2>Term</FONT></B> </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="40%" colSpan=2>&nbsp; </TD>
    <TD noWrap align=left width="10%"></TD>
    <TD noWrap align=left width="10%">&nbsp; </TD>
    <TD noWrap align=center width="10%"></TD>
    <TD noWrap align=center width="10%"><B><FONT face=serif size=2>Director</FONT></B> </TD>
    <TD noWrap align=center width="10%"></TD>
    <TD noWrap align=center width="10%"><B><FONT face=serif size=2>to</FONT></B> </TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><B><FONT face=serif size=2>Name</FONT></B> </TD>
    <TD noWrap align=left width="39%">&nbsp;</TD>
    <TD noWrap align=center width="10%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="10%"><B><FONT face=serif size=2>Age</FONT></B> </TD>
    <TD noWrap align=center width="10%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="10%"><B><FONT face=serif size=2>Since</FONT></B> </TD>
    <TD noWrap align=center width="10%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="10%"><B><FONT face=serif size=2>Expire</FONT></B> </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="40%" bgColor=#c0c0c0 colSpan=2><FONT face=serif size=2>J. Allen Fine</FONT>&nbsp; </TD>
    <TD noWrap align=center width="10%" bgColor=#c0c0c0></TD>
    <TD noWrap align=center width="10%" bgColor=#c0c0c0><FONT face=serif size=2>74</FONT>&nbsp; </TD>
    <TD noWrap align=center width="10%" bgColor=#c0c0c0></TD>
    <TD noWrap align=center width="10%" bgColor=#c0c0c0><FONT face=serif size=2>1973</FONT>&nbsp; </TD>
    <TD noWrap align=center width="10%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=center width="10%" bgColor=#c0c0c0><FONT face=serif size=2>2010</FONT>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="40%" colSpan=2><FONT face=serif size=2>David
      L. Francis</FONT>&nbsp; </TD>
    <TD noWrap align=center width="10%"></TD>
    <TD noWrap align=center width="10%"><FONT face=serif size=2>76</FONT>&nbsp; </TD>
    <TD noWrap align=center width="10%">&nbsp;</TD>
    <TD noWrap align=center width="10%"><FONT face=serif size=2>1982</FONT>&nbsp; </TD>
    <TD noWrap align=center width="10%"></TD>
    <TD noWrap align=center width="10%"><FONT face=serif size=2>2010</FONT>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="40%" bgColor=#c0c0c0 colSpan=2><FONT face=serif size=2>A. Scott Parker III</FONT>&nbsp; </TD>
    <TD noWrap align=center width="10%" bgColor=#c0c0c0></TD>
    <TD noWrap align=center width="10%" bgColor=#c0c0c0><FONT face=serif size=2>65</FONT>&nbsp; </TD>
    <TD noWrap align=center width="10%" bgColor=#c0c0c0></TD>
    <TD noWrap align=center width="10%" bgColor=#c0c0c0><FONT face=serif size=2>1998</FONT>&nbsp; </TD>
    <TD noWrap align=center width="10%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=center width="10%" bgColor=#c0c0c0><FONT face=serif size=2>2010</FONT>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="40%" colSpan=2><FONT face=serif size=2>W.
      Morris Fine</FONT>&nbsp; </TD>
    <TD noWrap align=center width="10%">&nbsp;</TD>
    <TD noWrap align=center width="10%"><FONT face=serif size=2>42</FONT>&nbsp; </TD>
    <TD noWrap align=center width="10%"></TD>
    <TD noWrap align=center width="10%"><FONT face=serif size=2>1999</FONT>&nbsp; </TD>
    <TD noWrap align=center width="10%"></TD>
    <TD noWrap align=center width="10%"><FONT face=serif size=2>2011</FONT>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="40%" bgColor=#c0c0c0 colSpan=2><FONT face=serif size=2>Richard M. Hutson II</FONT>&nbsp; </TD>
    <TD noWrap align=center width="10%" bgColor=#c0c0c0></TD>
    <TD noWrap align=center width="10%" bgColor=#c0c0c0><FONT face=serif size=2>68</FONT>&nbsp; </TD>
    <TD noWrap align=center width="10%" bgColor=#c0c0c0></TD>
    <TD noWrap align=center width="10%" bgColor=#c0c0c0><FONT face=serif size=2>2008</FONT>&nbsp; </TD>
    <TD noWrap align=center width="10%" bgColor=#c0c0c0></TD>
    <TD noWrap align=center width="10%" bgColor=#c0c0c0><FONT face=serif size=2>2011</FONT>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="40%" colSpan=2><FONT face=serif size=2>R.
      Horace Johnson</FONT>&nbsp; </TD>
    <TD noWrap align=center width="10%"></TD>
    <TD noWrap align=center width="10%"><FONT face=serif size=2>64</FONT>&nbsp; </TD>
    <TD noWrap align=center width="10%"></TD>
    <TD noWrap align=center width="10%"><FONT face=serif size=2>2005</FONT>&nbsp; </TD>
    <TD noWrap align=center width="10%"></TD>
    <TD noWrap align=center width="10%"><FONT face=serif size=2>2011</FONT>&nbsp; </TD></TR></TABLE></DIV><BR>
<P align=left><B><FONT face=serif size=2>J. Allen Fine</FONT></B><FONT face=serif size=2> was the principal organizer of Investors Title Insurance
Company and has been Chairman of the Board of the Company, Investors Title
Insurance Company, and Northeast Investors Title Insurance Company since their
incorporation. Mr. Fine served as President of Investors Title Insurance Company
until February 1997, when he was named Chief Executive Officer. Additionally,
Mr. Fine serves as Chief Executive Officer of the Company and Northeast
Investors Title Insurance Company, and Chairman of the Board of Investors Title
Exchange Corporation, Investors Capital Management Company and Investors Trust
Company. Investors Title Insurance Company, Northeast Investors Title Insurance
Company, Investors Title Exchange Corporation, Investors Title Accommodation
Corporation, Investors Capital Management Company and Investors Trust Company
are all wholly owned subsidiaries of the Company. Mr. Fine is the father of
James A. Fine, Jr., President, Chief Financial Officer and Treasurer of the
Company, and W. Morris Fine, Executive Vice President and Secretary of the
Company. </FONT></P>
<P align=left><B><FONT face=serif size=2>David L. Francis</FONT></B><FONT face=serif size=2> retired in 1997 as the President of Marsh Mortgage Company, a
mortgage banking firm, and Marsh Associates, Inc., a property management
company, where he had been employed since 1963. He serves on the Board of
Directors of First Landmark, a Charlotte real estate and property management
firm. </FONT></P>
<P align=left><B><FONT face=serif size=2>A. Scott Parker III</FONT></B><FONT face=serif size=2> retired in 2006 from Today&#146;s Home, Inc. after serving as
President for 31 years. He continues to be Managing Member of Parker-Jones-Kemp
LLC and Greenham Investments LLC. </FONT></P>
<P align=left><B><FONT face=serif size=2>W. Morris Fine</FONT></B><FONT face=serif size=2> is Executive Vice President and Secretary of the Company,
President and Chief Operating Officer of Investors Title Insurance Company and
Northeast Investors Title Insurance Company, President and Chairman of the Board
of Investors Title Management Services, Inc., Vice President of Investors Title
Exchange Corporation and Investors Title Accommodation Corporation, and Chief
Financial Officer and Treasurer of Investors Trust </FONT></P>
<P align=center><FONT face=serif>10 </FONT></P>
<HR align=center width="100%" noShade SIZE=2>
<PAGE>
<P align=left><FONT face=serif size=2>Company and Investors Capital Management
Company. Investors Title Insurance Company, Northeast Investors Title Insurance
Company, Investors Title Management Services, Inc., Investors Title Exchange
Corporation, Investors Title Accommodation Corporation, Investors Capital
Management Company and Investors Trust Company are all wholly owned subsidiaries
of the Company. Mr. Fine is the son of J. Allen Fine, Chief Executive Officer
and Chairman of the Board of the Company, and brother of James A. Fine, Jr.,
President, Chief Financial Officer and Treasurer of the Company. </FONT></P>
<P align=left><B><FONT face=serif size=2>Richard M. Hutson II </FONT></B><FONT face=serif size=2>is a practicing attorney and, since 2006, has been the
principal of Hutson Law Office, P.A., the successor firm to Hutson, Hughes and
Powell. P.A. in Durham, North Carolina. Mr. Hutson served as a principal of
Hutson, Hughes and Powell P.A. from 1993 to 2006. Mr. Hutson has been engaged in
the practice of law since 1965 and has assisted the Company in various matters
since its formation in 1972. He has experience in representing clients in many
areas with an emphasis in business law and corporate restructuring.
Additionally, he has served in leadership roles of local and national
professional and civic organizations. Mr. Hutson is a past Chairman of the
Durham Chamber of Commerce and presently is Chairman of the Board of LC
Industries, a nonprofit organization and the largest employer of visually
handicapped persons in the United States. </FONT></P>
<P align=left><B><FONT face=serif size=2>R. Horace Johnson</FONT></B><FONT face=serif size=2> retired in 2004 as managing partner of the Raleigh, North
Carolina office of Ernst and Young, a public accounting firm, where he had been
employed since 1967. During this period, Mr. Johnson served in many firm
leadership roles including serving as the managing partner for the North
Carolina practice for three years and on the operating committee of the
Carolinas practice for five years. He also maintained an active client service
role during the 25 years he served as partner. Mr. Johnson serves on the Board
of Directors of TrustAtlantic Financial Corporation, a corporation formed to
serve as a bank holding company, and on the Board of Directors of Wilmington
Pharmaceuticals, LLC, a pharmaceutical development company. He also serves on
the Board of the following non-profit corporations: North Carolina Citizens for
Business and Industry and the Council for Entrepreneurial Development.
</FONT></P>
<P align=left><B><FONT face=serif size=2>Proposal 2 &#150; Approval of 2009 Stock
Appreciation Plan </FONT></B></P>
<P align=left><FONT face=serif></FONT><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp; </FONT>On March 2, 2009, the Board of Directors
adopted, subject to stockholder approval, the Investors Title Company 2009 Stock
Appreciation Right Plan (the &#147;Plan&#148;). The Plan reserves 250,000 shares of the
Company&#146;s common stock for issuance of stock appreciation rights (&#147;SARS&#148;) to key
employees, officers, directors and consultants of the Company and its
subsidiaries. </FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>As described under &#147;</FONT><I><FONT face=serif size=2>Executive
Compensation&#151;Compensation Discussion and Analysis</FONT></I><FONT face=serif size=2>&#148; and </FONT><FONT face=serif size=2>&#147;</FONT><I><FONT face=serif size=2>Compensation of Directors,</FONT></I><FONT face=serif size=2>&#148;
equity-based incentive awards are periodically provided to officers and
directors in order to closely link their interests with those of the Company&#146;s
stockholders, reward performance and encourage long-term commitment. By
delivering value only when the market price of the Company&#146;s common stock
increases, such awards provide an incentive for officers and directors to manage
the Company from the perspective of an owner with an equity stake.</FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>With these purposes in mind, equity-based incentives have been provided
to key employees, officers and directors for a number of years under the 2001
Stock Option and Restricted Stock Plan, as amended, which expires February 11,
2011, and the 1997 Stock Option and Restricted Stock Plan, which expired March
9, 2007 (the &#147;Prior Plans&#148;). Under the Prior Plans, 121,220 shares of common
stock are subject to outstanding grants and only 133,500 shares remain available
for future grants. Outstanding grants under the Prior Plans will continue in
effect until exhausted or expired.</FONT></P>
<P align=left><FONT face=serif></FONT><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp; </FONT>The Plan being proposed for approval at
the meeting is intended to increase the reserve of common stock available for
SAR grants to continue to provide equity-based incentive compensation to our key
employees, officers and directors that is consistent with the Company&#146;s
long-term strategic objectives and the objectives of the executive compensation
program. </FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Plan is also intended to provide income tax benefits. Section 162(m)
of the Internal Revenue Code of 1986, as amended (the &#147;Code&#148;), generally limits
the deduction that the Company may take for compensation of the </FONT></P>
<P align=center><FONT face=serif>11 </FONT></P>
<HR align=center width="100%" noShade SIZE=2>
<PAGE>
<P align=left><FONT face=serif size=2>Chief Executive Officer and certain other
most highly compensated executive officers. Under Section 162(m), certain
compensation will not be subject to this limitation if certain requirements are
satisfied, including stockholder approval of the Plan. If the Plan is approved
by the stockholders and other conditions of Section 162(m) relating to
performance-based compensation are satisfied, the compensation paid to covered
officers under the Plan will not fail to be deductible by us due to the
operation of Section 162(m). </FONT></P>
<P align=left><FONT face=serif></FONT><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp; </FONT>The following is a summary of the
principal terms and provisions of the Plan. The full text of the Plan is
attached to this proxy statement as Appendix A. Please refer to Appendix A for a
more complete description of the terms of the Plan.</FONT></P>
<P align=left><B><FONT face=serif size=2>Description of the Plan</FONT></B></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Plan provides that up to 250,000 shares of the Company&#146;s common stock
will be available for grants of SARs. The total number of shares that may be
issued to any one participant with respect to SARs granted under the Plan may
not exceed an aggregate of 50,000 shares of common stock. Unless sooner
terminated as provided in the Plan, the Plan will terminate on March 2, 2019,
and no SARs may be granted under the Plan after such date. If any SAR granted
pursuant to the Plan expires or terminates for any reason before it has been
exercised in full, the unpurchased shares of our Common Stock subject to that
SAR will again be available for the purposes of the Plan. </FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Plan will be administered by the Compensation Committee of the Board
of Directors (the </FONT><FONT face=serif size=2>&#147;Committee&#148;) or, to the extent
required, a subcommittee of at least two members of the Compensation Committee
who are &#147;non-employee&#148; directors within the meaning of Rule 16b-3 promulgated
under the Securities Exchange Act of 1934 or &#147;outside directors&#148; within the
meaning of Section 162(m) of the Code.</FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Committee in its sole discretion will determine the key employees,
officers and directors whom shall be granted SARs under the Plan, the number of
SARs to be granted, the exercise price and duration of each SAR, the corporate
or individual performance or other vesting requirements for SARs, and any other
terms and conditions of SARs granted under the Plan. The Board of Directors may
also grant SARs from time to time to consultants who are not employees of our
Company. </FONT></P>
<P align=left><FONT face=serif></FONT><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp; </FONT>The exercise price of SARs granted under
the Plan will be determined by the Committee at the time of the grant, but may
not be less than 100% of the closing market price of our common stock on the
business day immediately preceding the date of grant. The Committee will
determine at the time of the grant the dates on which SARs will become
exercisable and may accelerate the scheduled exercise date of a SAR if it deems
appropriate. No SAR may expire later than ten years from the date of
grant.</FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Upon exercise of a SAR, the grantee will be entitled to receive an amount
(payable in shares of our common stock, cash or combination of each as
determined by the Committee) equal to the difference between the closing market
price of the Company&#146;s common stock on the business day immediately preceding
the date of exercise and the exercise price. </FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Unless otherwise provided in the applicable SAR award agreement, a SAR
will terminate if the SAR holder ceases to be employed by the Company, or any
parent or subsidiary, for any reason other than death or disability. In the
event a SAR holder becomes disabled while employed by the Company, a SAR may be
exercised at any time within three months after the date of termination due to
disability unless a longer or shorter period is provided in the applicable SAR
award agreement. If a SAR holder dies while employed by the Company, or any
parent or any subsidiary, the SAR award will expire one year after the date of
death, unless a longer or shorter period is specifically provided in the
applicable SAR award agreement.</FONT></P>
<P align=left><FONT face=serif></FONT><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp; </FONT>If the Company becomes a party to any
merger or consolidation in which it is not the surviving entity or pursuant to
which the Company&#146;s stockholders exchange their common stock, or if the Company
is dissolved or liquidated or sells all or substantially all of its assets, all
SARs outstanding under the Plan will, unless otherwise provided in the
applicable SAR award agreement, terminate on the effective date of such event.
Prior to such </FONT></P>
<P align=center><FONT face=serif>12 </FONT></P>
<HR align=center width="100%" noShade SIZE=2>
<PAGE>
<P align=left><FONT face=serif size=2>effective date, however, the Committee
may, in its discretion, (i) make any or all outstanding SARs immediately
exercisable, (ii) authorize a payment to any SAR holder that approximates the
economic benefit that he would realize if his SAR were exercised immediately
before such effective date, (iii) authorize a payment in such other amount as it
deems appropriate to compensate any SAR holder for the termination of a SAR, or
(iv) arrange for the granting of a substitute SAR to any SAR holder.</FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The number and class of shares available under the Plan and the exercise
price per each share covered by a SAR will be adjusted appropriately in the
event of stock splits and combinations, share dividends and similar changes in
capitalization. </FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Plan provides that the Board of Directors may terminate, amend or
revise the terms of the Plan at any time, except that no amendment or revision
shall, without approval of the stockholders, (i) increase the maximum aggregate
number of shares subject to the Plan, except as permitted by the Plan in order
to make appropriate adjustments for stock splits, share dividends or similar
changes in common stock; (ii) change the minimum purchase price for shares
subject to SARs granted under the Plan; (iii) extend the maximum duration of ten
years established under the Plan for any SAR award; or (iv) permit the granting
of a SAR award to anyone other than eligible participants under the terms of the
Plan.</FONT></P>
<P align=left><B><FONT face=serif size=2>Federal Income Tax
Consequences</FONT></B></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>As described above, the Plan is intended to meet the provisions of
Section 162(m) such that any deductions realized from SAR transactions under the
Plan will not be limited. </FONT><B><FONT face=serif size=2></FONT></B></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>The Plan is
intended to comply with Section 409A of the Code, to the extent applicable. The
Company reserves the right to amend the Plan or any award granted under the
Plan, by action of the Committee, without the consent of any affected
participant, to the extent deemed necessary or appropriate for purposes of
maintaining compliance with Section 409A of the Code and the regulations
promulgated thereunder.</FONT></P>
<P align=left><B><FONT face=serif size=2>Plan Benefits </FONT></B></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Because the Plan is discretionary, it is not possible to determine or
estimate the benefits or amounts that may be granted in the future to employees,
officers or directors under the Plan.</FONT></P>
<P align=left><B><FONT face=serif size=2>Vote Required</FONT></B></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Approval of the Plan will require a majority of the votes cast at a
meeting at which a majority of the outstanding shares of our common stock
entitled to vote are present in person or by proxy.</FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp; <B><FONT face=serif size=2>The Board
unanimously recommends that you vote &#147;FOR&#148; the proposal to approve the 2009
Stock Appreciation </FONT></B><B><FONT face=serif size=2>Right Plan.
</FONT></B><FONT face=serif size=2></FONT></P>
<P align=center><FONT face=serif>13 </FONT></P>
<HR align=center width="100%" noShade SIZE=2>
<PAGE>
<P align=center><B><FONT face=serif size=2>INDEPENDENT REGISTERED PUBLIC
ACCOUNTING FIRM </FONT></B></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Audit Committee selected Dixon Hughes PLLC as our independent
registered public accounting firm for the fiscal year ended December 31, 2009.
Dixon Hughes PLLC served as our independent registered public accounting firm
for the fiscal year ended December 31, 2008, and its representatives are
expected to attend the 2009 Annual Meeting of Shareholders and to be available
to respond to appropriate questions. They will have the opportunity to make a
statement if they wish to do so. </FONT></P>
<P align=left><B><FONT face=serif size=2>Audit and Non-Audit Fees
</FONT></B></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Aggregate fees for professional services rendered by our independent
registered public accounting firm, Dixon Hughes PLLC, for the years ended
December 31, 2008 and 2007 are set forth below.</FONT></P>
<DIV align=center>
<TABLE cellSpacing=0 cellPadding=0 width="50%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="84%"><FONT face=serif>&nbsp;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="6%" colSpan=2><FONT face=serif size=2><B>2008</B><FONT size=3>&nbsp;</FONT></FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="3%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="6%" colSpan=2><FONT face=serif size=2><STRONG>2007</STRONG><FONT size=3>&nbsp;</FONT></FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%" bgColor=#c0c0c0><FONT face=serif size=2>Audit Fees (1)<FONT size=3>&nbsp;</FONT></FONT></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0><FONT face=serif size=2>$<FONT size=3>&nbsp;</FONT></FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2><FONT size=3>&nbsp;</FONT>270,000 </FONT></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0><FONT face=serif size=2>$<FONT size=3>&nbsp;</FONT></FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2><FONT size=3>&nbsp;</FONT>269,000 </FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%"><FONT face=serif size=2>Audit-Related
      Fees (2)<FONT size=3>&nbsp;</FONT></FONT></TD>
    <TD noWrap align=left width="3%"><FONT face=serif size=2>&nbsp; </FONT></TD>
    <TD noWrap align=right width="3%"><FONT face=serif size=2><FONT size=3></FONT>7,500 </FONT></TD>
    <TD noWrap align=left width="3%">&nbsp;</TD>
    <TD noWrap align=left width="3%"><FONT face=serif size=2>&nbsp; </FONT></TD>
    <TD noWrap align=right width="3%"><FONT face=serif size=2><FONT size=3></FONT>2,500 </FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%" bgColor=#c0c0c0><FONT face=serif size=2>Tax Fees (3)<FONT size=3>&nbsp;</FONT></FONT></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0><FONT face=serif size=2>&nbsp; </FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2><FONT size=3>&nbsp;</FONT>56,000 </FONT></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2><FONT size=3>&nbsp;</FONT>34,500 </FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%"><FONT face=serif size=2>All Other
      Fees<FONT size=3>&nbsp;</FONT></FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="3%"><FONT face=serif size=2>&nbsp; </FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face=serif size=2><FONT size=3>&nbsp;</FONT>0 </FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="3%">&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="3%"><FONT face=serif size=2>&nbsp;&nbsp; </FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face=serif size=2><FONT size=3>&nbsp;</FONT>0
  </FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%" bgColor=#c0c0c0>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>Total Fees<FONT size=3>&nbsp;</FONT></FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="3%" bgColor=#c0c0c0><FONT face=serif size=2>$<FONT size=3>&nbsp;</FONT></FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2><FONT size=3>&nbsp;</FONT>333,500
      </FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="3%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="3%" bgColor=#c0c0c0><FONT face=serif size=2>$<FONT size=3>&nbsp;</FONT></FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2><FONT size=3>&nbsp;</FONT>306,000
      </FONT></TD></TR></TABLE></DIV><BR>
<TABLE cellSpacing=0 cellPadding=0 border=0>

  <TR>
    <TD vAlign=top noWrap >&nbsp;&nbsp;&nbsp;&nbsp; </TD>
    <TD vAlign=top noWrap><FONT face=serif size=2>(1)</FONT></TD>
    <TD vAlign=top noWrap>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>
    <TD width="100%"><FONT face=serif size=2>In 2008 and 2007, audit fees
      consisted of the audit of the financial statements, reviews of the
      quarterly financial statements, services rendered in connection with
      statutory and regulatory filings and services related to internal control
      over financial reporting.</FONT></TD></TR>
  <TR>
    <TD ></TD>
    <TD width="100%" colSpan=3>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap ></TD>
    <TD vAlign=top noWrap><FONT face=serif size=2>(2)</FONT></TD>
    <TD vAlign=top noWrap></TD>
    <TD width="100%"><FONT face=serif size=2>Audit-related fees consisted of
      fees related to compliance with regulatory and statutory
  filings.</FONT></TD></TR>
  <TR>
    <TD ></TD>
    <TD width="100%" colSpan=3>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap ></TD>
    <TD vAlign=top noWrap><FONT face=serif size=2>(3)</FONT></TD>
    <TD vAlign=top noWrap></TD>
    <TD width="100%"><FONT face=serif size=2>Tax fees consisted primarily of
      tax compliance services.</FONT></TD></TR></TABLE>
<P align=left><B><FONT face=serif size=2>Audit and Non-Audit Services
Pre-Approval Policy </FONT></B></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Audit Committee has adopted an Audit and Non-Audit Services
Pre-Approval Policy for pre-approving all audit and permissible non-audit
services provided by the independent registered public accounting firm.
</FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Each year, the Audit Committee pre-approves independent registered public
accounting firm services and associated fee ranges within the categories of
Audit Services, Audit-Related Services, Tax Services and Other Services.
</FONT></P>
<P align=left><FONT face=serif></FONT><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp; </FONT>Throughout the year, circumstances may
arise that require the engagement of the independent registered public
accounting firm for additional services that were not contemplated by the
existing pre-approval categories. In that case, the Audit and Non-Audit Services
Pre-Approval Policy requires specific approval by the Audit Committee of such
services before engaging the independent registered public accounting firm. To
ensure the prompt handling of such matters, the Audit Committee has granted
pre-approval authority to its Chair. The Chair reports any pre-approval
decisions made at the next Audit Committee meeting. </FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>During 2008 and 2007, none of the services provided to the Company by the
independent registered public accounting firm under the categories Audit-Related
Services, Tax Services and Other Services described above were approved by the
Audit Committee after such services were rendered pursuant to the de minimis
exception established under SEC regulations.</FONT></P>
<P align=center><FONT face=serif>14 </FONT></P>
<HR align=center width="100%" noShade SIZE=2>
<PAGE>
<P align=center><B><FONT face=serif size=2>AUDIT COMMITTEE REPORT
</FONT></B></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>The Audit
Committee is directly responsible for overseeing the accounting and financial
reporting processes of the Company and appointing, retaining, compensating and
overseeing the work of the independent registered public accounting firm.
Management is responsible for the financial reporting process, including the
system of internal controls, and for the preparation of consolidated financial
statements in accordance with generally accepted accounting principles. The
independent registered public accounting firm is responsible for auditing those
financial statements and expressing an opinion as to their conformity with
accounting principles generally accepted in the United States of America.
</FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>The independent registered public
accounting firm provided the Audit Committee with the written disclosures and
the letter required by applicable requirements of the Public Company Accounting
Oversight Board regarding the independent registered public accounting firm&#146;s
communications with the Audit Committee concerning independence. The Audit
Committee discussed with the independent registered public accounting firm any
relationships that may have an impact on its objectivity and independence.
Finally, the Audit Committee considered whether the independent registered
public accounting firms&#146; performance of services, other than audit services, is
compatible with maintaining the independence of the independent registered
public accounting firm. </FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>The Audit Committee discussed and
reviewed with management and the independent registered public accounting firm
the audited financial statements as of and for the year ended December 31, 2008.
The Audit Committee discussed with the independent registered public accounting
firm those matters required to be discussed by Statement on Auditing Standards
No. 61. The Audit Committee reviewed with the independent registered public
accounting firm its audit plans, audit scope and identification of audit risks.
</FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>Based on the reviews and discussion
referenced above, the Audit Committee recommended to the Board of Directors that
the audited financial statements of the Company be included in its Annual Report
on Form 10-K for the year ended December 31, 2008, for filing with the
Securities and Exchange Commission.</FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>Submitted by the Audit Committee of
the Board of Directors:<BR><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></FONT><FONT face=serif size=2>H. Joe King, Jr., Chairman<BR><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>David
L. Francis<BR><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>R.
Horace Johnson </FONT></P>
<P align=center><FONT face=serif>15 </FONT></P>
<HR align=center width="100%" noShade SIZE=2>
<PAGE>
<P align=center><B><FONT face=serif size=2>COMPENSATION COMMITTEE REPORT
</FONT></B></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>The Compensation Committee (for
purposes of this Proxy Statement, the &#147;Committee&#148;) of the Board has
responsibility for establishing an executive compensation philosophy,
implementing a compensation program designed to uphold the principles of the
compensation philosophy, and continually monitoring adherence to the
compensation program. One of the Committee&#146;s most important responsibilities is
continually reviewing the total compensation paid to the Company&#146;s executives to
ensure it is fair, reasonable, and competitive. The Committee has reviewed and
discussed the Compensation Discussion and Analysis presented below with
management, and based on such review and discussions, the Committee recommended
that the Compensation Discussion and Analysis be included in this Proxy
Statement and the Company&#146;s Annual Report on Form 10-K for the year ended
December 31, 2008.</FONT><B><FONT face=serif size=2> </FONT></B></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>Submitted by the Compensation
Committee of the Board of Directors: </FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>Richard M.
Hutson II<BR><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>James R.
Morton<BR><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>A. Scott Parker III
</FONT></P>
<P align=center><B><FONT face=serif size=2>EXECUTIVE COMPENSATION
</FONT></B></P>
<P align=left><B><FONT face=serif size=2>Compensation Discussion and Analysis
</FONT></B></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>The Committee is responsible for
setting the compensation of the named executive officers listed in the Summary
Compensation Table. The ensuing discussion and analysis of the material elements
of the Company&#146;s executive compensation program focuses on the following:
</FONT></P>
<UL>
  <LI>
  <P align=left><FONT face=sans-serif size=2></FONT><FONT face=serif size=2>the
  philosophy and objectives of the compensation program, including the results
  and behaviors the program is designed to reward;</FONT></P>
  <LI>
  <P align=left><FONT face=serif size=2>the process used to determine executive
  compensation;</FONT></P>
  <LI>
  <P align=left><FONT face=serif size=2>each element of compensation (see
  &#147;Elements of Executive Compensation&#148; section below);</FONT></P>
  <LI>
  <P align=left><FONT face=serif size=2>the reasons why the Committee chooses to
  pay each element;</FONT></P>
  <LI>
  <P align=left><FONT face=serif size=2>how the Committee determines the amount
  of each element; and</FONT></P>
  <LI>
  <P align=left><FONT face=serif size=2>how each element and the Committee&#146;s
  decisions regarding that element fit into the Committee&#146;s stated objectives
  and affect the Committee&#146;s decisions regarding other elements.
</FONT></P></LI></UL>
<P align=left><B><I><U><FONT face=serif size=2>Philosophy and Objectives of the
Executive Compensation Program</FONT></U></I></B><B><I><FONT face=serif size=2>
</FONT></I></B></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>The Committee believes that the
ultimate objective of an effective executive compensation program is to reward
the accretion of stockholder value over the long term. In keeping with this
philosophy, the Committee has designed the Company&#146;s executive compensation
program to reward the achievement of the Company&#146;s objectives, and to align the
interests of executives with those of stockholders.</FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>Retention of talented executives
with the skills, experience, and vision to lead the Company is integral to the
Company&#146;s success. However, given the Company&#146;s history as a family-managed
company, the Committee&#146;s philosophy tends to focus more on fairness, executive
performance, and long-term commitment than on attracting and retaining the
Company&#146;s executive officers.</FONT></P>
<P align=center><FONT face=serif>16 </FONT></P>
<HR align=center width="100%" noShade SIZE=2>
<PAGE><!-- PART C -->
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp; <FONT face=serif size=2>To support the
over-arching objective of the accretion of stockholder value, a significant
focus of the executive compensation program is to reward the attainment of
short-term and long-term Company goals, and to provide the proper motivation for
the executive officers to strive to achieve those goals. The Committee believes
that to align the interests of executives and stockholders, the executive
compensation package must include both cash and equity compensation. </FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>While the Committee does review stock performance in making its
compensation decisions, it places relatively low emphasis on short-term stock
performance as a measurement of Company and executive performance. The Committee
feels this is appropriate since short-term movements in stock price are subject
to factors unrelated to performance and beyond the control of executive
officers, including factors affecting the securities markets generally. The
Company&#146;s management strives to build stockholder value by meeting customer
needs, building cash flow and return on assets, and promoting operational
excellence and strategic innovation. The pursuit of such long-term objectives is
not always consistent with producing short-term results to increase stock price,
but the Committee believes that taking a long-term view will demand performance
that is more likely to maximize return to the stockholders over time. The
Committee believes that there are many ways in which its executive officers and
other executives contribute to building a successful company. While the
Company&#146;s financial statements and stock price should eventually reflect the
results of those efforts, many long-term strategic decisions made in pursuing
the growth and development of the Company may have little visible impact on
stock price in the short term. </FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Finally, the Committee&#146;s philosophy considers the cyclical nature of the
Company&#146;s business, which is strongly influenced by factors external to the
Company, such as prevailing mortgage interest rates, wage growth and employment
rates, and overall economic activity in the markets the Company serves. Because
these factors are beyond the control of the executive officers, the Committee
does not attempt to closely link annual operating results with annual
compensation. Instead, the Committee focuses on the accretion of stockholder
value over time, among other measures, in evaluating the performance of the
executive officers and in designing the executive compensation program.
</FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>In summary, the Company&#146;s executive compensation program is designed to
support five objectives: </FONT></P>
<UL style="FONT-SIZE: 10pt">
  <LI>
  <P align=left><FONT face=sans-serif size=2></FONT><FONT face=serif size=2>aligning executives&#146; interests with those of stockholders;</FONT></P>
  <LI>
  <P align=left><FONT face=serif size=2>promoting and rewarding the fulfillment
  of annual and long-term strategic objectives;</FONT></P>
  <LI>
  <P align=left><FONT face=serif size=2>promoting and rewarding long-term
  commitment;</FONT></P>
  <LI>
  <P align=left><FONT face=serif size=2>maintaining internal compensation
  equity; and</FONT></P>
  <LI>
  <P align=left><FONT face=serif size=2>competing for talent in order to attract
  and retain executives with the skills and attributes the Company needs.
  </FONT></P></LI></UL>
<P align=left><B><I><U><FONT face=serif size=2>Determining Executive
Compensation</FONT></U></I></B><B><I><FONT face=serif size=2>
</FONT></I></B></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Committee makes all compensation decisions for the named executive
officers and approves recommendations regarding equity awards for all of the
Company&#146;s elected officers. Decisions regarding non-equity compensation of all
other officers and employees are made by the Company&#146;s named executive officers.
</FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Chief Executive Officer annually reviews the performance of each of
the other named executive officers with respect to achievement of established
performance standards and attainment of the Company&#146;s objectives. Based on those
reviews, the Chief Executive Officer makes recommendations with respect to
compensation to the Committee. The Committee then can exercise its discretion in
modifying any recommended adjustments or awards to the other named executive
officers based upon its evaluation of their performance as well as other aspects
of the Committee&#146;s compensation philosophy.</FONT></P>
<P align=center><FONT face=serif size=3>17 </FONT></P>
<HR align=center width="100%" noShade SIZE=2>
<PAGE>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp; <FONT face=serif size=2>The Committee&#146;s
review of the Chief Executive Officer&#146;s compensation is subject to separate
procedures. The Committee evaluates the Chief Executive Officer&#146;s performance,
reviews the Committee&#146;s evaluation with him, and based on that evaluation and
review, determines the amount of salary adjustment and incentive award.
</FONT><FONT face=serif size=2>Consistent with the requirements of the listing
standards of The Nasdaq Stock Market LLC, the Chief Executive Officer is excused
from meetings of the Committee during voting deliberations regarding his
compensation. </FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Committee is guided by its executive compensation philosophy, its own
judgment, and other sources of information that it considers relevant. In
addition, the Committee annually reviews tally sheets showing each executive
officer&#146;s compensation history with respect to each element of compensation for
a period of five years. The Committee does not currently retain executive
compensation consultants. </FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Based upon the cyclical nature of the Company&#146;s business, the Committee
believes that compensation of the executive officers cannot be based upon fixed
formulas and that the prudent use of discretion in determining compensation will
generally be in the best interests of the Company and its stockholders.
Accordingly, in the exercise of its discretion, the Committee may approve
changes in compensation that it considers to be appropriate to award performance
or otherwise to provide incentives toward fulfilling the philosophy and
objectives of our executive compensation program. </FONT></P>
<P align=left><B><I><U><FONT face=serif size=2>Elements of Executive
Compensation</FONT></U></I></B><B><I><FONT face=serif size=2>
</FONT></I></B></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>For the fiscal year ended December 31, 2008, the principal components of
compensation for the named executive officers were: </FONT></P>
<UL style="FONT-SIZE: 10pt">
  <LI>
  <P align=left><FONT face=sans-serif size=2></FONT><FONT face=serif size=2>base
  salaries;</FONT></P>
  <LI>
  <P align=left><FONT face=serif size=2>annual performance-based incentive
  compensation;</FONT></P>
  <LI>
  <P align=left><FONT face=serif size=2>long-term equity incentive
  compensation;</FONT></P>
  <LI>
  <P align=left><FONT face=serif size=2>a nonqualified supplemental retirement
  benefit plan;</FONT></P>
  <LI>
  <P align=left><FONT face=serif size=2>a nonqualified deferred compensation
  plan;</FONT></P>
  <LI>
  <P align=left><FONT face=serif size=2>benefits under employment
  agreements;</FONT></P>
  <LI>
  <P align=left><FONT face=serif size=2>potential payments and benefits upon
  change of control; and</FONT></P>
  <LI>
  <P align=left><FONT face=serif size=2>benefits and perquisites.
  </FONT></P></LI></UL>
<P align=left><FONT face=serif size=2></FONT><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp; </FONT><STRONG><EM>Base Salaries.
</EM></STRONG></FONT><FONT face=serif size=2>Base salaries represent a usual and
expected component of executive compensation, and are paid to provide executives
with a fixed level of compensation. In setting base salaries for the executive
officers, the Committee considers the following factors: </FONT></P>
<UL style="FONT-SIZE: 10pt">
  <LI>
  <P align=left><FONT face=serif size=2>the responsibilities and critical
  leadership role of the executives;</FONT></P>
  <LI>
  <P align=left><FONT face=serif size=2>the experience and individual
  performance of the executives, and their contribution to the Company&#146;s
  strategic initiatives;</FONT></P>
  <LI>
  <P align=left><FONT face=serif size=2>the Company&#146;s financial performance,
  judged in light of external market factors;</FONT></P>
  <LI>
  <P align=left><FONT face=serif size=2>the Company&#146;s stock price performance,
  in absolute terms and relative to its peers and the market as a
  whole;</FONT></P></LI></UL>
<P align=center><FONT face=serif size=3>18 </FONT></P>
<HR align=center width="100%" noShade SIZE=2>
<PAGE><BR>
<UL style="FONT-SIZE: 10pt">
  <LI>
  <P align=left><FONT face=serif size=2>the Committee&#146;s evaluation of market
  demand for executives with similar capability and experience;</FONT></P>
  <LI>
  <P align=left><FONT face=serif size=2>the Committee&#146;s desire to strike an
  appropriate balance between the fixed elements of compensation and the
  variable performance-based elements; and</FONT></P>
  <LI>
  <P align=left><FONT face=serif size=2>obligations under employment agreements.
  </FONT></P></LI></UL>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>Salary
levels are typically considered annually as part of the Company&#146;s performance
review process, or upon a promotion or other change in job responsibility. For
2008, each of the named executive officers received an increase in base salary,
reflected as a percentage of 2007 base salary, as follows: J. Allen Fine &#150; 6.8%;
James A. Fine, Jr. &#150; 6.9%; W. Morris Fine &#150; 12.1%. The increase for each officer
for 2008 includes a 4.0% administrative increase provided to all qualifying
employees in connection with a transition from the Simplified Employee Pension
Plan to the 401(k) Plan adopted by the Company in 2008. Further, the increase
for W. Morris Fine includes an additional 5.2% to reflect responsibilities in
connection with his position as Executive Vice President and to provide
compensation equity with James A. Fine, Jr., in keeping with the philosophy and
objectives of the Company&#146;s executive compensation program. </FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I><FONT face=serif size=2>Performance-Based Incentive Compensation. </FONT></I></B><FONT face=serif size=2>Incentive compensation is provided to reward performance and motivate the
executives to achieve the Company&#146;s short-term and long-term objectives. The
Committee sets target incentive awards that are designed to link a substantial
portion of each individual&#146;s total annual compensation to the attainment of
these objectives. In setting target incentive awards, the Committee considers
each executive&#146;s level of responsibility and degree of influence on the
Company&#146;s objectives, as well as the Committee&#146;s desire to strike an appropriate
balance between the fixed elements of compensation and the variable
performance-based elements. By design, targeted at-risk pay for the named
executive officers is a significant component of the total compensation package,
between 55% and 65% of potential total cash compensation.</FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>Grants of incentive awards are based
primarily upon the attainment of performance objectives. The performance
objectives are centered on the Company&#146;s financial performance, the pursuit of
growth and diversification in business, and other strategic initiatives. The
incentive compensation for any given year is not tied to target amounts by a
specific fixed formula. In determining the incentive award amounts, the
Committee reviews the Company&#146;s progress toward meeting its objectives, and each
executive officer&#146;s contribution toward that progress, in the context of award
amounts from prior years, as well as the Committee&#146;s judgment and use of
discretion. </FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>No incentive payments were granted
to the executive officers for 2008 as a result of reduced Company profts. In the
Committee&#146;s view, the reduced Company performance in 2008 is primarily
attributable to overall market conditions beyond the control of executives.
Notwithstanding progress the Company made toward achieving certain of its
objectives, and the fact that the Company&#146;s financial performance was superior
to that of many of its peers, the Committee decided to forego the incentive
payments in light of the financial performance and overall market uncertainty.
</FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I><FONT face=serif size=2>Long-Term Equity Incentive Compensation.</FONT></I></B><FONT face=serif size=2> The Committee periodically considers awarding equity-based incentives to
the named executive officers, as well as other officers and employees, in order
to closely link the interests of the program participants with those of
stockholders, reward short-term performance, and encourage long-term commitment.
By delivering value only when the value of the Company&#146;s stock increases,
equity-based incentives motivate executives to focus on managing the Company
from the perspective of an owner with an equity stake in the Company. In the
Committee&#146;s opinion, past equity-based incentive awards were successful in
focusing senior management on building profitability and shareholder value.
</FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>The Committee does not follow the
practice of making annual or other periodic awards to individuals who are
determined to be eligible to participate in the Plan. However, the Committee
does regularly evaluate the stock ownership of key employees and, when it deems
it appropriate, makes awards in accordance with the philosophy outlined
above.</FONT></P>
<P align=center><FONT face=serif size=3>19 </FONT></P>
<HR align=center width="100%" noShade SIZE=2>
<PAGE>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>Typically, eligible employees are
those who are in a position to significantly influence the achievement of the
Company&#146;s objectives. Awards granted to an individual are based upon a number of
factors, including the Company&#146;s performance, the individual&#146;s performance, and
the recipient's position, salary, and performance. In addition, the Committee
considers the degree of each potential recipient&#146;s ability to influence the
attainment of the Company&#146;s goals. We expect that individuals who receive these
awards will retain a substantial portion of the shares awarded to them to foster
a mutuality of interests with our stockholders. </FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>All stock option grants are made
under the Investors Title Company 1997 and 2001 Stock Option and Restricted
Stock Plans, which stockholders approved on May 13, 1997 and May 16, 2001,
respectively. Stock option grants generally become exercisable in five or ten
equal annual installments beginning on the grant date, and no more than 50,000
options may be granted to one individual under each Plan. No new stock option
grants were made to the executive officers in 2008. No additional equity grants
may be issued under the 1997 plan. Under the 2001 plan, 133,500 additional units
are available for issuance, and they may be issued through February 11,
2011.</FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>The Board has recommended for
shareholder approval a new 2009 Stock Appreciation Right Plan, referenced in
this proxy statement as Proposal 2. The Committee believes approval of this plan
is important to increase the reserve of equity available to us so that we can
continue to provide equity-based incentive compensation to our key employees,
officers, and directors, which is consistent with our long-term strategic
objectives and the objectives of our executive compensation program.</FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>
</FONT><B><I><FONT face=serif size=2>Non-Qualified Supplemental Retirement
Benefit Plan. </FONT></I></B><FONT face=serif size=2>The Committee adopted a
Non-Qualified Supplemental Retirement Benefit Plan of the Company&#146;s wholly owned
subsidiary, Investors Title Insurance Company (&#147;ITIC&#148;), in November 2003. This
plan is an unfunded defined contribution plan designed to provide additional
retirement benefits on a tax-deferred basis for select management or highly
compensated employees. It is intended to promote long-term commitment by
enhancing the participants&#146; post-retirement financial security. The Committee
determines the roster of plan participants on the basis of the significance of
each employee&#146;s ability to influence the Company&#146;s objectives. Currently, each
of the named executive officers participates in this plan.</FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT face=serif size=2> </FONT>For
2004 through 2008, ITIC made quarterly hypothetical contributions to each
participant&#146;s account under the plan equal to 22% of his cash compensation each
quarter. The plan contemplates that after 20 quarters of participation,
additional contributions to each participant&#146;s account will be at the
Committee&#146;s discretion. The twentieth quarter for specified contributions ended
on December 31, 2008. </FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT face=serif size=2>
</FONT>Amounts credited to a participant&#146;s account may be deemed either to earn
a specified rate of interest or to be invested in a security, index, or other
investment as determined by the Committee from time to time. Since the effective
date of the plan, the amounts credited to each participant&#146;s account have been
deemed to earn interest at an annual rate of return, compounded quarterly, based
on the then current yield on the 10-Year U.S. Treasury Note. </FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT face=serif size=2>
</FONT>Except as discussed below, amounts in a participant&#146;s account (reflecting
the hypothetical contributions and any deemed returns) are paid at the earlier
of the participant&#146;s termination of employment or death. Each participant has
the option of electing to be paid either a lump sum amount equal annual
installments spread over a term, of five, ten, fifteen, or twenty years, or life
annuity payments.</FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT face=serif size=2> </FONT>The
hypothetical Company contributions for 2008, reflecting amounts credited to the
Non-Qualified Supplemental Retirement Benefit Plan accounts of the executive
officers, are included in the &#147;All Other Compensation&#148; amounts shown in the
Summary Compensation Table below.</FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT face=serif size=2> </FONT>The
Supplemental Retirement Benefit Plan was amended effective January 1, 2009, to
provide clarification to certain provisions of the plan, and to provide for the
plan&#146;s compliance with the requirements of Internal Revenue Code Section 409A.
The amendments also provided for a special one-time distribution election as
permitted under Section 409A. Under the special distribution election, each
participant was entitled to elect to receive a one-time lump sum distribution on
January 15, 2009 of all amounts in the participant&#146;s account. Each executive
officer elected to be paid their respective plan balances in full on January 15,
2009. </FONT></P>
<P align=center><FONT face=serif size=3>20 </FONT></P>
<HR align=center width="100%" noShade SIZE=2>
<PAGE>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp; <FONT face=serif size=2><I><B>Non-Qualified Deferred Compensation Plan. </B></I>The Committee
adopted a Non-Qualified Deferred Compensation Plan of ITIC in June 2004. This
plan is an unfunded defined contribution plan designed to provide additional
retirement benefits on a tax deferred basis for select management or highly
compensated employees. It is intended to promote long-term commitment by
enhancing the participants&#146; post-retirement financial security. The Committee
determines the roster of plan participants on the basis of the significance of
each employee&#146;s ability to influence the Company&#146;s objectives. Currently, each
of the named executive officers participates.</FONT></P>
<P align=left><FONT face=serif size=2>&nbsp;&nbsp;&nbsp;&nbsp; For 2005 and
subsequent years, the Deferred Compensation Plan permits each participant to
elect annually to defer any portion of his cash compensation. The plan also
provides that on or before December 31<SUP>st</SUP> of each year, beginning in
2004, the Company will make a hypothetical contribution to a participant&#146;s
account under the plan equal to the amount that would have been contributed to
the participant&#146;s Simplified Employee Pension Plan if the contributions to this
plan were not limited under the federal tax laws.</FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Except as discussed below, participant account balances (reflecting
elective compensation deferrals, the hypothetical contributions, and any deemed
returns) are paid at each participant&#146;s termination of employment in a lump
sum.</FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The amounts credited to the Deferred Contribution accounts of the named
executive officers reflecting the Company&#146;s hypothetical contributions are
included in the &#147;All Other Compensation&#148; amounts shown in the Summary
Compensation Table below. </FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Non-Qualified Deferred Compensation Plan was amended effective
January 1, 2009, to provide clarification to certain provisions of the plan, and
to provide for the plan&#146;s documentary compliance with the requirements of
Internal Revenue Code Section 409A. Material amendments include the following:
</FONT></P>
<UL style="FONT-SIZE: 10pt">
  <LI><FONT face=serif size=2>Removal of the requirement that the Company make a
  hypothetical contribution to each participant&#146;s account under the plan equal
  to the amount that would have been contributed the participant&#146;s Simplified
  Employee Pension Plan if the contributions to this plan were not limited under
  the federal tax laws.</FONT>
  <LI><FONT face=serif size=2>The provision of a special one-time distribution
  election as permitted under Section 409A. Under the special distribution
  election, each participant was entitled to elect to receive a one-time lump
  sum distribution on January 15, 2009 of all amounts in the participant&#146;s
  account. Each executive officer elected to be paid their respective plan
  balances in full on January 15, 2009.</FONT>
  <LI><FONT face=serif size=2>A clarification that no further Company
  contributions shall be made for calendar years beginning on or after January
  1, 2009. </FONT></LI></UL>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><STRONG><EM>Benefits Under Employment Agreements.
</EM></STRONG></FONT><FONT face=serif size=2>ITIC has entered into employment
agreements with the executive officers under which they are entitled to certain
compensation and benefits, including severance benefits. These agreements are
intended to provide employment security by specifying minimum base salaries and
benefits. Additionally, under these agreements, the executive officers agree to
certain non-competition and non-solicitation covenants. For additional
information regarding these employment agreements see &#147;</FONT><I><FONT face=serif size=2>&#150; Summary Compensation Table &#150; Employment
Agreements</FONT></I><FONT face=serif size=2>&#148; below. For detailed information
regarding severance benefits see &#147;</FONT><I><FONT face=serif size=2>&#150; Potential
Payments Upon Termination or Change of Control</FONT></I><FONT face=serif size=2>&#148; below. </FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The employment agreements for each of the executive officers were amended
effective January 1, 2009. Material amendments include the following:
</FONT></P>
<UL style="FONT-SIZE: 10pt">
  <LI><FONT face=serif size=2>Documentary compliance with Internal Revenue Code
  Section 409A, including a requirement that any annual performance-based
  incentive compensation be paid no later than March 15 of the calendar year
  following the year in which the compensation is earned as well as more
  stringent requirements regarding conditions under which a payment may be made
  under the plan and the timing of such payments. </FONT>
  <LI><FONT face=serif size=2>A provision that the Company will make an annual
  cash payment to each executive officer equal to the </FONT><FONT face=serif></FONT><FONT face=serif size=2>amount that would have been
  contributed to the Executive&#146;s 401(k) plan account if the contributions to the
  401(k) plan were not limited under the federal tax laws. This replaces a
  substantially similar provision that was removed in the amended Non-Qualified
  Deferred Compensation Plan. </FONT></LI></UL>
<P align=center><FONT face=serif size=3>21 </FONT></P>
<HR align=center width="100%" noShade SIZE=2>
<PAGE><BR>
<UL style="FONT-SIZE: 10pt">
  <LI><FONT face=sans-serif size=2></FONT><FONT face=serif size=2>An increase in
  the minimum base salary for each executive officer to reflect existing base
  salaries. Base salaries have increased in conjunction with the annual salary
  review process since the original employment agreements were executed, and the
  amended agreements reflect the current salaries.</FONT>
  <LI><FONT face=serif size=2>The establishment of minimum payments to each
  executive officer in the event of (i) disability or retirement, (ii)
  termination by the Company without cause, or (iii) termination by the officer
  for good reason or due to a change in control. Previously, such payment
  amounts were based on a multiple of each executive officer&#146;s then current base
  salary and average bonus compensation, each of which is subject to uncertainty
  and volatility from year to year attributable primarily to market
  conditions.</FONT>
  <LI><FONT face=serif size=2>Removal of provisions that were redundant with the
  Non-Qualified Supplemental Retirement Benefit Plan, the Non-Qualified Deferred
  Compensation Plan, or the respective Death Benefit Plan Agreements.
  </FONT></LI></UL>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp; <FONT face=serif size=2><I><B>Potential
Payments and Benefits Upon Change of Control. </B></I>Under the employment
agreements with the executive officers they are entitled to certain severance
payments if they terminate employment because of a change of control, as well as
a salary increase of 100% if a change in control does not result in termination
of employment. </FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The arrangements were established because: </FONT></P>
<UL style="FONT-SIZE: 10pt">
  <LI><FONT face=serif size=2>it is in the best interest of the Company and its
  stockholders to assure that the Company will have the continued dedication of
  the Company&#146;s executive officers notwithstanding the possibility, threat, or
  occurrence of a change in control; and</FONT>
  <LI><FONT face=serif size=2>it is imperative to diminish the inevitable
  distraction to such executive officers by virtue of the personal uncertainties
  and risks created by a pending of threatened change in control.
</FONT></LI></UL>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>For detailed information regarding severance benefits payable in
connection with a termination because of a change in control see
&#147;</FONT><I><FONT face=serif size=2>- Potential Payments Upon Termination or
Change in Control</FONT></I><FONT face=serif size=2>&#148; below. </FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I><FONT face=serif size=2>Benefits and Perquisites. </FONT></I></B><FONT face=serif size=2>The
Company provides all eligible employees, including the named executive officers,
with a benefit program that the Committee believes is reasonable, competitive,
and consistent with the overall objectives of the compensation program.
</FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The executive officers are eligible to participate in the Company&#146;s group
insurance program, which during 2008 included group health, dental, vision, life
insurance, and long-term disability insurance. Other benefits offered during
2008 included flexible spending accounts and a pretax premium plan, paid sick
leave, paid holidays, and paid vacations. </FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>In 2008, ITIC adopted the Investors Title Company and Affiliates 401(k)
Plan. The 401(k) plan went into effect February 1, 2008, and replaced the
Simplified Employee Pension Plan. Under the 401(k) plan, the Company makes
contributions amounting to three percent of compensation for each eligible
employee. The Company may make additional contributions under the profit share
provisions of the plan. For the 2008 plan year, the Company contributed an
additional 1% of compensation for eligible employees under the profit share
provisions of the plan. </FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Company provides Company-owned vehicles to certain officers and
employees who hold positions requiring frequent travel. The Company does not
prohibit the personal use of Company-owned vehicles, but the value of any
personal use is treated as taxable compensation. Each of the executive officers
is assigned a Company-owned vehicle, and may use the vehicle for personal use
according to the Company&#146;s policy covering all Company-owned vehicles.
</FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>James A. Fine, Jr. and W. Morris Fine are also parties to Death Benefit
Plan Agreements, which provide that, in the event of death, certain amounts
payable under their respective employment agreements will be paid in a lump sum
within 60 days of death to their respective beneficiaries. Under each agreement,
the respective beneficiary would also be paid a lump sum amount equal to
$2,000,000 subject to adjustments as described under </FONT><I><FONT face=serif size=2>&#147;- Potential Payments Upon Termination or change of Control &#150; James A.
Fine Jr. and W. Morris Fine&#148;</FONT></I><FONT face=serif size=2>
below.</FONT></P>
<P align=center><FONT face=serif size=3>22 </FONT></P>
<HR align=center width="100%" noShade SIZE=2>
<PAGE>
<P align=left><FONT face=serif size=2>James A. Fine, Jr.&#146;s agreement was
executed in May 2004, and amended in 2008 to provide consistency with his
employment agreement. W. Morris Fine&#146;s agreement was executed in December 2008.
The terms of each agreement are materially identical. W. Morris Fine&#146;s agreement
was executed in 2008 in order to provide equity with the agreement in place for
James A. Fine, Jr. The agreements are provided to minimize the distraction to
the executive officers of personal risks and uncertainties. </FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp; <FONT face=serif size=2>As a matter of
policy, the Committee does not award personal benefits or perquisites that are
unrelated to the Company&#146;s business. </FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Committee reviews and approves annually all benefits and perquisites
paid to our executive officers. </FONT></P>
<P align=left><B><I><U><FONT face=serif size=2>Tax and Accounting
Implications</FONT></U></I></B><B><I><FONT face=serif size=2>
</FONT></I></B></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp; <B><I><FONT face=serif size=2>Deductibility of Executive Compensation. </FONT></I></B><FONT face=serif size=2>As part of its role, the Committee reviews and considers the tax
deductibility of executive compensation under Section 162(m) of the Internal
Revenue Code of 1986, as amended, which provides that a public company is
generally not entitled to deduct for Federal income tax purposes
non-performance-based compensation paid to any of its executive officers in
excess of $1.0 million. Special rules apply for "performance-based"
compensation, including the pre-approval of performance goals applicable to that
compensation. </FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>All compensation paid to the named executive officers in 2008, 2007 and
2006 was fully deductible for the purposes of Section 162(m). However, to
maintain flexibility in compensating executive officers in a manner designed to
promote varying corporate goals, the Committee has not adopted a policy that all
compensation must be deductible for Federal income tax purposes. </FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I><FONT face=serif size=2>Accounting for Stock-Based Compensation. </FONT></I></B><FONT face=serif size=2>Beginning on January 1, 2006, the Company began accounting for
stock-based payments in accordance with the requirements of FASB Statement
123(R).</FONT></P>
<P align=left><B><FONT face=serif size=2>Summary Compensation Table
</FONT></B></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The table below summarizes the total compensation for each of the named
executive officers for each of the fiscal years ended December 31, 2008,
December 31, 2007 and December 31, 2006. </FONT></P>
<DIV align=center>
<TABLE style="PADDING-RIGHT: 4pt; PADDING-LEFT: 4pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="95%" border=0>

  <TR vAlign=bottom>
    <TD style="BORDER-TOP: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=left width="74%"></TD>
    <TD style="BORDER-TOP: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=center width="5%"></TD>
    <TD style="BORDER-TOP: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=center width="5%"></TD>
    <TD style="BORDER-TOP: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=center width="5%"></TD>
    <TD style="BORDER-TOP: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=center width="5%"><B><FONT face=serif size=2>All
      Other</FONT></B> </TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-TOP: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=center width="5%"></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=left width="74%"></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="5%"></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="5%"><B><FONT face=serif size=2>Salary</FONT></B> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="5%"><B><FONT face=serif size=2>Bonus</FONT></B> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="5%"><B><FONT face=serif size=2>Compensation</FONT></B> </TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=center width="5%"><B><FONT face=serif size=2>Total</FONT></B>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="74%"><B><FONT face=serif size=2>Name and
      Principal Position</FONT></B> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="5%"><B><FONT face=serif size=2>Year</FONT></B>
    </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="5%"><B><FONT face=serif size=2>($)</FONT></B>
    </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="5%"><B><FONT face=serif size=2>($)</FONT></B>
    </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="5%"><B><FONT face=serif size=2>($)
      (1)</FONT></B> </TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="5%"><B><FONT face=serif size=2>($)</FONT></B>
    </TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=left width="74%"><FONT face=serif size=2>J. Allen Fine</FONT>&nbsp; </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="5%"><FONT face=serif size=2>2008</FONT> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="5%"><FONT face=serif size=2>302,027</FONT> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="5%"><FONT face=serif size=2>-0-</FONT> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="5%"><FONT face=serif size=2>140,318</FONT> </TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=center width="5%"><FONT face=serif size=2>442,345</FONT>
  </TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=left width="74%"><FONT face=serif size=2>Chief Executive Officer &amp; Chairman
      of the</FONT> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="5%"><FONT face=serif size=2>2007</FONT> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="5%"><FONT face=serif size=2>282,500</FONT> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="5%"><FONT face=serif size=2>330,000</FONT> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="5%"><FONT face=serif size=2>193,175</FONT> </TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=center width="5%"><FONT face=serif size=2>805,675</FONT>
  </TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="74%"><FONT face=serif size=2>Board</FONT> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="5%"><FONT face=serif size=2>2006</FONT> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="5%"><FONT face=serif size=2>273,700</FONT> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="5%"><FONT face=serif size=2>345,000</FONT> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="5%"><FONT face=serif size=2>184,030</FONT> </TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="5%"><FONT face=serif size=2>802,730</FONT>
  </TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=left width="74%"><FONT face=serif size=2>James A. Fine, Jr.</FONT> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="5%"><FONT face=serif size=2>2008</FONT> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="5%"><FONT face=serif size=2>254,393</FONT> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="5%"><FONT face=serif size=2>-0-</FONT> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="5%"><FONT face=serif size=2>136,474</FONT> </TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=center width="5%"><FONT face=serif size=2>390,867</FONT>
  </TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=left width="74%"><FONT face=serif size=2>President, Chief Financial Officer
      &amp;</FONT> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="5%"><FONT face=serif size=2>2007</FONT> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="5%"><FONT face=serif size=2>235,900</FONT> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="5%"><FONT face=serif size=2>325,000</FONT> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="5%"><FONT face=serif size=2>182,900</FONT> </TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=center width="5%"><FONT face=serif size=2>743,800</FONT>
  </TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="74%"><FONT face=serif size=2>Treasurer</FONT> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="5%"><FONT face=serif size=2>2006</FONT> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="5%"><FONT face=serif size=2>219,333</FONT> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="5%"><FONT face=serif size=2>335,000</FONT> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="5%"><FONT face=serif size=2>174,285</FONT> </TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="5%"><FONT face=serif size=2>728,618</FONT>
  </TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=left width="74%"><FONT face=serif size=2>W. Morris Fine</FONT> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="5%"><FONT face=serif size=2>2008</FONT> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="5%"><FONT face=serif size=2>252,487</FONT> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="5%"><FONT face=serif size=2>-0-</FONT> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="5%"><FONT face=serif size=2>137,153</FONT> </TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=center width="5%"><FONT face=serif size=2>389,640</FONT>
  </TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=left width="74%"><FONT face=serif size=2>Executive Vice President &amp;
      Secretary</FONT> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="5%"><FONT face=serif size=2>2007</FONT> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="5%"><FONT face=serif size=2>227,733</FONT> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="5%"><FONT face=serif size=2>325,000</FONT> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="5%"><FONT face=serif size=2>177,005</FONT> </TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=center width="5%"><FONT face=serif size=2>729,738</FONT>
  </TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="74%"></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="5%"><FONT face=serif size=2>2006</FONT> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="5%"><FONT face=serif size=2>219,333</FONT> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="5%"><FONT face=serif size=2>320,000</FONT> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="5%"><FONT face=serif size=2>174,285</FONT> </TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="5%"><FONT face=serif size=2>713,618</FONT>
  </TD></TR></TABLE></DIV><BR>
<P align=center><FONT face=serif size=3>23 </FONT></P>
<HR align=center width="100%" noShade SIZE=2>
<PAGE><BR>
<TABLE cellSpacing=0 cellPadding=0 border=0>

  <TR>
    <TD vAlign=top>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD vAlign=top><FONT face=serif size=2>(1)</FONT></TD>
    <TD vAlign=top>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD vAlign=top width="100%"><FONT face=serif size=2>The amounts set forth
      in this column for 2008 consisted of (i) Company contributions to the
      401(k) Plan, (ii) Company contributions under the Nonqualified
      Supplemental Retirement Benefit Plan, (iii) Company contributions under
      the Nonqualified Deferred Compensation Plan, (iv) Company-paid premiums
      for life insurance and health insurance, and (v) personal use of Company
      vehicle, as follows:</FONT></TD></TR>
  <TR>
    <TD></TD>
    <TD width="100%" colSpan=3>&nbsp;</TD></TR></TABLE>
<DIV align=center>
<TABLE style="PADDING-RIGHT: 4pt; PADDING-LEFT: 4pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="95%" border=0>

  <TR vAlign=bottom>
    <TD style="BORDER-TOP: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=left width="53%"></TD>
    <TD style="BORDER-TOP: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=center width="8%"></TD>
    <TD style="BORDER-TOP: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=center width="8%"><B><FONT face=serif size=2>Supplemental</FONT></B> </TD>
    <TD style="BORDER-TOP: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=center width="8%"><B><FONT face=serif size=2>Deferred</FONT></B> </TD>
    <TD style="BORDER-TOP: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=center width="8%"></TD>
    <TD style="BORDER-TOP: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=center width="7%"><B><FONT face=serif size=2>Personal</FONT></B> </TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-TOP: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=center width="7%"></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=left width="53%"></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="8%"></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="8%"><B><FONT face=serif size=2>Retirement</FONT></B> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="8%"><B><FONT face=serif size=2>Compensation</FONT></B> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="8%"><B><FONT face=serif size=2>Life and</FONT></B> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="7%"><B><FONT face=serif size=2>Use of</FONT></B>&nbsp; </TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=center width="7%"></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=left width="53%"></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="8%"><B><FONT face=serif size=2>401(k)</FONT></B> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="8%"><B><FONT face=serif size=2>Plan</FONT></B> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="8%"><B><FONT face=serif size=2>Plan</FONT></B> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="8%"><B><FONT face=serif size=2>Health</FONT></B>&nbsp; </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="7%"><B><FONT face=serif size=2>Company</FONT></B> </TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=center width="7%"></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=left width="53%"></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="8%"><B><FONT face=serif size=2>Contributions</FONT></B> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="8%"><B><FONT face=serif size=2>Contributions</FONT></B> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="8%"><B><FONT face=serif size=2>Contributions</FONT></B> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="8%"><B><FONT face=serif size=2>Insurance</FONT></B> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="7%"><B><FONT face=serif size=2>Vehicle</FONT></B> </TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=center width="7%"><B><FONT face=serif size=2>Total</FONT></B>
    </TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="53%"><B><FONT face=serif size=2>Name</FONT></B>
    </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="8%"><B><FONT face=serif size=2>($)</FONT></B>
    </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="8%"><B><FONT face=serif size=2>($)</FONT></B>
    </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="8%"><B><FONT face=serif size=2>($)</FONT></B>
    </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="8%"><B><FONT face=serif size=2>($)</FONT></B>
    </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="7%"><B><FONT face=serif size=2>($)</FONT></B>
    </TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="7%"><B><FONT face=serif size=2>($)</FONT></B>
    </TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="53%"><FONT face=serif size=2>J. Allen<FONT size=3> </FONT>Fine</FONT> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="8%"><FONT size=2>24,500</FONT> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="8%"><FONT size=2>102,561</FONT> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="8%"><FONT size=2>9,447</FONT> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="8%"><FONT size=2>720</FONT> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="7%"><FONT size=2>3,090</FONT> </TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="7%"><FONT size=2>140,318</FONT> </TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="53%"><FONT face=serif size=2>James A. Fine,
      Jr.<FONT size=3> </FONT></FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="8%"><FONT face=serif size=2>24,500</FONT> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="8%"><FONT face=serif size=2>94,711</FONT> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="8%"><FONT face=serif size=2>8,020</FONT> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="8%"><FONT face=serif size=2>8,661</FONT> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="7%"><FONT face=serif size=2>582</FONT> </TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="7%"><FONT face=serif size=2>136,474</FONT>
  </TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="53%"><FONT face=serif size=2>W. Morris
      Fine</FONT>&nbsp;</TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="8%"><FONT face=serif size=2>24,500</FONT> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="8%"><FONT face=serif size=2>94,291</FONT> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="8%"><FONT face=serif size=2>7,944</FONT> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="8%"><FONT face=serif size=2>8,661</FONT> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="7%"><FONT face=serif size=2>1,757</FONT> </TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="7%"><FONT face=serif size=2>137,153</FONT>
  </TD></TR></TABLE></DIV><BR>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>For further information regarding
the Nonqualified Supplemental Retirement Benefit Plan and Nonqualified Deferred
Compensation Plan, see </FONT><I><FONT face=serif size=2>&#147;&#150; Nonqualified
Deferred Compensation</FONT></I><FONT face=serif size=2>&#148; below. </FONT></P>
<P align=left><B><I><U><FONT face=serif size=2>Employment
Agreements</FONT></U></I></B><B><I><FONT face=serif size=2> </FONT></I></B></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>Under the employment agreements in
effect on December 31, 2008, with J. Allen Fine, James A. Fine, Jr., and W.
Morris Fine, they were entitled to minimum base salaries of $259,500, $207,000,
and $207,000, respectively. Under these agreements, which have five year rolling
terms, Messrs. Fine, Fine, Jr., and Fine participate in the Company&#146;s
Nonqualified Supplemental Retirement Benefit Plan, participate in the benefits
programs generally provided to other executives, receive 30 days of paid
vacation and unlimited sick leave, and are entitled to reimbursement for
reasonably incurred out-of-pocket business expenses. Under these agreements,
Messrs. Fine, Fine, Jr., and Fine would, upon termination, receive as severance
certain payments as described under &#147;</FONT><I><FONT face=serif size=2>&#150;
Potential Payments Upon Termination or Change of Control</FONT></I><FONT face=serif size=2>&#148; below. The agreements also prohibit Messrs. Fine, Fine, Jr.,
and Fine from engaging in certain activities involving competition with the
Company for a two year period following termination of employment. Effective
January 1, 2009, the employment agreements were amended as described above under
</FONT><I><FONT face=serif size=2>&#147;- Compensation Discussion and Analysis &#150;
Elements of Executive Compensation &#150; Benefits under Employment
Agreements.&#148;</FONT></I><FONT face=serif size=2> </FONT></P>
<P align=left><B><FONT face=serif size=2>Outstanding Equity Awards at Fiscal
Year-End </FONT></B></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>There were no equity awards
outstanding at December 31, 2008.</FONT></P>
<P align=left><B><FONT face=serif size=2>Option Exercises and Stock
Vested</FONT></B><FONT face=serif size=2> </FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>There were no option exercises or
stock vested during the year ended December 31, 2008 with respect to the named
executive officers. </FONT></P>
<P align=center><FONT face=serif size=3>24 </FONT></P>
<HR align=center width="100%" noShade SIZE=2>
<PAGE>
<P align=left><B><FONT face=serif size=2>Nonqualified Deferred
Compensation</FONT></B></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>As discussed
above, under the heading &#147;Compensation Discussion and Analysis &#150; Elements of
Executive Compensation,&#148; the named executive officers participate in a
Non-Qualified Supplemental Retirement Benefit Plan and a Non-Qualified Deferred
Compensation Plan. The table below shows the activity in each of these plans
during 2008. </FONT></P>
<DIV align=center>
<TABLE style="PADDING-RIGHT: 4pt; PADDING-LEFT: 4pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="95%" border=0>

  <TR vAlign=bottom>
    <TD style="BORDER-TOP: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=left width="66%"></TD>
    <TD style="BORDER-TOP: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=center width="7%"></TD>
    <TD style="BORDER-TOP: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=center width="7%"></TD>
    <TD style="BORDER-TOP: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=center width="7%"><B><FONT face=serif size=2>Aggregate</FONT></B> </TD>
    <TD style="BORDER-TOP: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=center width="7%"><B><FONT face=serif size=2>Aggregate</FONT></B> </TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-TOP: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=center width="6%"><B><FONT face=serif size=2>Aggregate</FONT></B> </TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=left width="66%"></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="7%"><B><FONT face=serif size=2>Executive</FONT></B> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="7%"><B><FONT face=serif size=2>Employer</FONT></B> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="7%"><FONT face=serif size=2><STRONG>Earnings</STRONG><FONT size=3>&nbsp;</FONT></FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="7%"><STRONG><FONT size=2>Withdrawals/</FONT></STRONG>&nbsp;</TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=center width="6%"><STRONG><FONT size=2>Balance</FONT></STRONG>&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=left width="66%"></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="7%"><B><FONT face=serif size=2>Contributions&nbsp;</FONT></B> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="7%"><STRONG><FONT size=2>Contributions</FONT></STRONG>&nbsp;</TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="7%"><B><FONT face=serif size=2>in Last</FONT></B> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="7%"><B><FONT face=serif size=2>Distributions</FONT></B> </TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=center width="6%"><B><FONT face=serif size=2>at
      Last</FONT></B> </TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=left width="66%"></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="7%"><B><FONT face=serif size=2>in Last FY</FONT></B> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="7%"><B><FONT face=serif size=2>in Last FY</FONT></B> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="7%"><B><FONT face=serif size=2>FY</FONT></B> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="7%"><B><FONT face=serif size=2>in Last FY</FONT></B> </TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=center width="6%"><B><FONT face=serif size=2>FYE</FONT></B>
    </TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="66%">&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;
      &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;
      &nbsp; &nbsp; &nbsp; &nbsp;<B><FONT face=serif size=2>Name</FONT></B> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="7%"><B><FONT face=serif size=2>($)</FONT></B>
    </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="7%"><B><FONT face=serif size=2>($)(1)</FONT></B> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="7%"><B><FONT face=serif size=2>($)(2)</FONT></B> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="7%"><B><FONT face=serif size=2>($)</FONT></B>
    </TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="6%"><B><FONT face=serif size=2>($)(3)</FONT></B> </TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=left width="66%"><FONT face=serif size=2>J. Allen Fine</FONT>&nbsp; </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="7%"></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="7%"></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="7%"></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="7%"></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=center width="6%"></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="66%"><FONT face=serif size=2>(Deferred
      Compensation Plan)</FONT> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="7%"><FONT face=serif size=2>0</FONT> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="7%"><FONT face=serif size=2>9,447</FONT> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="7%"><FONT face=serif size=2>5,808</FONT> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="7%"><FONT face=serif size=2>0</FONT> </TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="6%"><FONT face=serif size=2>171,316</FONT>
  </TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=left width="66%"><FONT face=serif size=2>J. Allen Fine</FONT>&nbsp; </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="7%">&nbsp;</TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="7%">&nbsp;</TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="7%"></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="7%"></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=center width="6%"></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=left width="66%"><FONT face=serif size=2>(Supplemental Retirement Plan)</FONT>
    </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="7%"><FONT face=serif size=2>0</FONT> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="7%"><FONT face=serif size=2>102,561</FONT> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="7%"><FONT face=serif size=2>22,073</FONT> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="7%"><FONT face=serif size=2>0</FONT> </TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=center width="6%"><FONT face=serif size=2>713,909</FONT>
  </TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=left width="66%"><FONT face=serif size=2>James A. Fine, Jr.</FONT> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="7%"></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="7%">&nbsp;</TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="7%"></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="7%"></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=center width="6%"></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=left width="66%"><FONT face=serif size=2>(Deferred Compensation Plan)</FONT>
</TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="7%"><FONT face=serif size=2>0</FONT> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="7%"><FONT face=serif size=2>8,020</FONT> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="7%"><FONT face=serif size=2>4,959</FONT> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="7%"><FONT face=serif size=2>0</FONT> </TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=center width="6%"><FONT face=serif size=2>144,151</FONT>
  </TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=left width="66%"><FONT face=serif size=2>James A. Fine, Jr.</FONT> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="7%"></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="7%">&nbsp;</TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="7%"></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="7%"></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=center width="6%"></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="66%"><FONT face=serif size=2>(Supplemental
      Retirement Plan)</FONT> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="7%"><FONT face=serif size=2>0</FONT> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="7%"><FONT face=serif size=2>94,711</FONT> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="7%"><FONT face=serif size=2>19,959</FONT> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="7%"><FONT face=serif size=2>0</FONT> </TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="6%"><FONT face=serif size=2>645,255</FONT>
  </TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=left width="66%"><FONT face=serif size=2>W. Morris Fine</FONT> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="7%"></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="7%"></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="7%"></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="7%">&nbsp;</TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=center width="6%">&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="66%"><FONT face=serif size=2>(Deferred
      Compensation Plan)</FONT> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="7%"><FONT face=serif size=2>0</FONT> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="7%"><FONT face=serif size=2>7,944</FONT> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="7%"><FONT face=serif size=2>4,888</FONT> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="7%"><FONT face=serif size=2>0</FONT> </TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="6%"><FONT face=serif size=2>141,903</FONT>
  </TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=left width="66%"><FONT face=serif size=2>W. Morris Fine</FONT> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="7%"></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="7%"></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="7%"></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=center width="7%"></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=center width="6%"></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="66%"><FONT face=serif size=2>(Supplemental
      Retirement Plan)</FONT> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="7%"><FONT face=serif size=2>0</FONT> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="7%"><FONT face=serif size=2>94,291</FONT> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="7%"><FONT face=serif size=2>19,768</FONT> </TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="7%"><FONT face=serif size=2>0</FONT> </TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="6%"><FONT face=serif size=2>639,166</FONT>
  </TD></TR></TABLE></DIV><BR>
<TABLE cellSpacing=0 cellPadding=0 border=0>

  <TR>
    <TD vAlign=top>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD vAlign=top><FONT face=serif size=2>(1)</FONT></TD>
    <TD vAlign=top>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD vAlign=top width="100%"><FONT face=serif size=2>Amounts in this column
      reflect hypothetical contributions and are included in the &#147;All Other
      Compensation&#148; column of the Summary Compensation Table above.</FONT></TD></TR>
  <TR>
    <TD vAlign=top></TD>
    <TD vAlign=top width="100%" colSpan=3>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top></TD>
    <TD vAlign=top><FONT face=serif size=2>(2)</FONT></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top width="100%"><FONT face=serif size=2>None of the amounts
      reflected in this column are reported as above-market earnings on deferred
      compensation in the &#147;Change in Pension Value and Nonqualified Deferred
      Compensation Earnings&#148; column of the Summary Compensation Table
      above.</FONT></TD></TR>
  <TR>
    <TD vAlign=top></TD>
    <TD vAlign=top width="100%" colSpan=3>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top></TD>
    <TD vAlign=top><FONT face=serif size=2>(3)</FONT></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top width="100%"><FONT face=serif size=2>Of the amounts
      reported in this column, the following amounts have been reported in the
      Summary Compensation tables of the Company&#146;s proxy statements for previous
      years: Mr. J. Allen Fine - $156,061 (Deferred Compensation Plan) and
      $589,275 (Supplemental Retirement Plan); Mr. James A. Fine, Jr. - $131,172
      (Deferred Compensation Plan) and $530,585 (Supplemental Retirement Plan);
      and Mr. W. Morris Fine - $129,071 (Deferred Compensation Plan) and
      $525,107 (Supplemental Retirement Plan)</FONT></TD></TR></TABLE>
<P align=left><B><FONT face=serif size=2>Potential Payments Upon Termination or
Change of Control </FONT></B></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>Under the
employment agreements in effect on December 31, 2008, the executive officers are
entitled to severance payments and benefits under their employment agreements as
described below. The following descriptions do not reflect amendments to the
employment agreements that became effective on January 1, 2009 as described
above.</FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I><FONT face=serif size=2>J.
Allen Fine.</FONT></I></B><B><FONT face=serif size=2> </FONT></B><FONT face=serif size=2>Under Mr. J. Allen Fine&#146;s employment agreement, if his
employment is terminated due to his death, disability, or retirement (following
his 70</FONT><SUP><FONT face=serif size=2>th</FONT></SUP><FONT face=serif size=2> birthday), he is entitled to receive: </FONT></P>
<UL style="FONT-SIZE: 10pt">
  <LI>
  <P align=left><FONT face=sans-serif size=2></FONT><FONT face=serif size=2>his
  then current base salary paid monthly for three years;</FONT></P>
  <LI>
  <P align=left><FONT face=serif size=2>three annual payments paid on each of
  the first, second and third anniversaries of the termination date equal to his
  average bonus compensation during the preceding three years;
</FONT></P></LI></UL>
<P align=center><FONT face=serif>25 </FONT></P>
<HR align=center width="100%" noShade SIZE=2>
<PAGE><BR>
<UL style="FONT-SIZE: 10pt">
  <LI>
  <P align=left><FONT face=sans-serif size=2></FONT><FONT face=serif size=2>accrued benefits under the Nonqualified Supplemental Retirement Benefit
  Plan and Nonqualified Deferred Compensation Plan;</FONT></P>
  <LI>
  <P align=left><FONT face=serif size=2>accelerated vesting in full of all his
  stock options;</FONT></P>
  <LI>
  <P align=left><FONT face=serif size=2>continued participation in the Company&#146;s
  health insurance plans by him and his wife at no expense until his death or,
  if later, his wife&#146;s death; and</FONT></P>
  <LI>
  <P align=left><FONT face=serif size=2>continued participation in the Company&#146;s
  health insurance plans by his dependent children at no expense until any such
  children are no longer dependent. </FONT></P></LI></UL>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>Under Mr.
Fine&#146;s employment agreement, if his employment is terminated by the Company
other than for &#147;cause&#148; or by him due to the Company&#146;s materially breaching the
agreement (&#147;i.e., good reason&#148;), he is entitled to receive: </FONT></P>
<UL style="FONT-SIZE: 10pt">
  <LI>
  <P align=left><FONT face=sans-serif size=2></FONT><FONT face=serif size=2>his
  then current base salary paid monthly for five years;</FONT></P>
  <LI>
  <P align=left><FONT face=serif size=2>five annual payments paid on each of the
  first, second and third anniversaries of the termination date equal to his
  average bonus compensation during the preceding three years;</FONT></P>
  <LI>
  <P align=left><FONT face=serif size=2>accrued benefits under the Nonqualified
  Supplemental Retirement Benefit Plan and Nonqualified Deferred Compensation
  Plan;</FONT></P>
  <LI>
  <P align=left><FONT face=serif size=2>accelerated vesting in full of all his
  stock options; and</FONT></P>
  <LI>
  <P align=left><FONT face=serif size=2>continued health insurance coverage as
  described above.</FONT></P></LI></UL>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>Under Mr.
Fine&#146;s employment agreement, if he terminates his employment because of a
&#147;change in control,&#148; he is entitled to receive: </FONT></P>
<UL style="FONT-SIZE: 10pt">
  <LI>
  <P align=left><FONT face=sans-serif size=2></FONT><FONT face=serif size=2>a
  lump sum payment equal to 2.99 times his then current base salary;</FONT></P>
  <LI>
  <P align=left><FONT face=serif size=2>a lump sum payment equal to 2.99 times
  his average bonus compensation during the preceding three years;</FONT></P>
  <LI>
  <P align=left><FONT face=serif size=2>accrued benefits under the Nonqualified
  Supplemental Retirement Benefit Plan and Nonqualified Deferred Compensation
  Plan;</FONT></P>
  <LI>
  <P align=left><FONT face=serif size=2>accelerated vesting in full of all his
  stock options; and</FONT></P>
  <LI>
  <P align=left><FONT face=serif size=2>continued health insurance coverage as
  described above. </FONT></P></LI></UL>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>If a change
in control does not result in a termination of employment, Mr. Fine is entitled
to a base salary increase of 100%. </FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>If any
portion of these payments and benefits, or payments and benefits under any other
plan, agreement or arrangement, would constitute an &#147;excess parachute payment&#148;
for purposes of the Internal Revenue Code, such payments and benefits payable
under the agreement will be reduced until no portion thereof would fail to be
deductible by reason of being &#147;an excess parachute payment.&#148; </FONT></P>
<P align=center><FONT face=serif size=3>26 </FONT></P>
<HR align=center width="100%" noShade SIZE=2>
<PAGE><!-- PART D -->
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>Under Mr.
Fine&#146;s employment agreement, if his employment is terminated by the Company for
&#147;cause,&#148; he is entitled to receive:</FONT></P>
<UL style="FONT-SIZE: 10pt">
  <LI><FONT face=serif size=2>an amount equal to that amount he would have
  received as salary had he remained an employee until the later of the date of
  his termination and 30 days after notice of termination; and<BR>&nbsp;</FONT>
  <LI><FONT face=serif size=2>accrued benefits under the Nonqualified
  Supplemental Retirement Benefit Plan and Nonqualified Deferred Compensation
  Plan.</FONT></LI></UL>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>Under Mr. Fine&#146;s employment
agreement, &#147;cause&#148; is defined as:</FONT></P>
<UL style="FONT-SIZE: 10pt">
  <LI><FONT face=serif size=2>the executive&#146;s conviction of, or plea of guilty
  or nolo contendere to, any crime involving dishonesty or moral
  turpitude;<BR>&nbsp;</FONT>
  <LI><FONT face=serif size=2>the commission by executive of a fraud against the
  Company for which he is convicted;<BR>&nbsp;</FONT>
  <LI><FONT face=serif size=2>gross negligence or willful misconduct by
  executive with respect to the Company which causes material detriment to the
  Company;<BR>&nbsp;</FONT>
  <LI><FONT face=serif size=2>the falsification or manipulation of any records
  of the Company;<BR>&nbsp;</FONT>
  <LI><FONT face=serif size=2>repudiation of the agreement by executive or
  executive&#146;s abandonment of employment with the Company;<BR>&nbsp;</FONT>
  <LI><FONT face=serif size=2>breach by executive of his confidentiality,
  non-competition or non-solicitation obligations under the agreement;
  or<BR>&nbsp;</FONT>
  <LI><FONT face=serif size=2>failure or refusal of executive to perform his
  duties with the Company or to implement or follow the policies or directions
  of the Board of Directors within 30 days after a written demand for
  performance is delivered to executive that specifically identifies the manner
  in which the Board of Directors believes that executive has not performed his
  duties or failed to implement or follow the policies or directions of the
  Board of Directors.</FONT></LI></UL>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>Under Mr. Fine&#146;s employment
agreement, a &#147;change in control&#148; will occur if:</FONT></P>
<UL style="FONT-SIZE: 10pt">
  <LI><FONT face=serif size=2>any person or group acting in concert, other than
  the executive or his affiliates or immediate family members, is or becomes the
  beneficial owner, directly or indirectly, of securities of the Company
  representing 50% or more of the combined voting power of the Company&#146;s
  outstanding shares entitled to vote for the election of
  directors;<BR>&nbsp;</FONT>
  <LI><FONT face=serif size=2>the directors serving at the time the agreement
  was entered into or any successor to any such director (and any additional
  director) who after such time (i) was nominated or selected by a majority of
  the directors serving at the time of his or her nomination or selection and
  (ii) who is not an &#147;affiliate&#148; or &#147;associate&#148; (as defined in Regulation 12B
  under the Securities Exchange Act of 1934) of any person who is the beneficial
  owner, directly or indirectly, of securities representing 50% or more of the
  combined voting power of the Company&#146;s outstanding shares entitled to vote for
  the election of directors, cease for any reason to constitute at least a
  majority of the Company&#146;s Board of Directors;<BR>&nbsp;</FONT>
  <LI><FONT face=serif size=2>a sale of more than 50% of the Company&#146;s assets
  (measured in terms of monetary value) is consummated; or<BR>&nbsp;</FONT>
  <LI><FONT face=serif size=2>any merger, consolidation, or like business
  combination or reorganization of the Company is consummated that results in
  the occurrence of any event described above.</FONT></LI></UL>
<P align=center><FONT face=serif>27</FONT></P>
<HR align=center width="100%" noShade SIZE=2>
<PAGE>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>J. Allen
Fine is also party to a Death Benefit Plan Agreement with the Company.
Notwithstanding the payout provisions of Mr. Fine&#146;s employment agreement, the
Death Benefit Plan Agreement provides that certain amounts payable under Mr.
Fine&#146;s employment agreement in the event of his death will be paid in a lump sum
within 60 days of his death to a beneficiary designated by Mr. Fine.</FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I><FONT face=serif size=2>James
A. Fine, Jr. and W. Morris Fine</FONT></I></B><B><FONT face=serif size=2>.
</FONT></B><FONT face=serif size=2>The employment agreements of James A. Fine,
Jr. and W. Morris Fine are substantially identical to J. Allen Fine&#146;s employment
agreement, except that under their agreements (1) Messrs. Fine, Jr. and Fine are
eligible to receive retirement benefits under their agreements after age 50,
rather than age 70, and (2) following termination of employment by the Company
other than for &#147;cause&#148; or by the executive due to a material breach by the
Company of the agreement (i.e., &#147;good reason&#148;) or because of a &#147;change in
control,&#148; they are entitled to cause the Company to transfer to them any life
insurance policies owned by the Company on their lives.</FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>James A.
Fine, Jr. is also party to a Death Benefit Plan Agreement with the Company.
Notwithstanding the payout provisions of Mr. Fine&#146;s employment agreement,
the</FONT><B><FONT face=serif size=2> </FONT></B><FONT face=serif size=2>Death
Benefit Plan Agreement provides that certain amounts payable under Mr. Fine&#146;s
employment agreement in the event of his death will be paid in a lump sum within
60 days of his death to a beneficiary designated by him. Under the Death Benefit
Plan Agreement, Mr. Fine&#146;s designated beneficiary would also be paid a lump sum
amount equal to $2,000,000,</FONT></P>
<UL style="FONT-SIZE: 10pt">
  <LI><FONT face=serif size=2>reduced by the following amounts that would be
  paid under Mr. Fine&#146;s employment agreement and the Supplement Retirement Plan
  in the event of his death:</FONT></LI></UL>
<DIV style="PADDING-LEFT: 40px">
<TABLE cellSpacing=0 cellPadding=0 border=0>

  <TR>
    <TD vAlign=top noWrap><FONT face=serif size=2>(a)</FONT></TD>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top width="100%"><FONT face=serif size=2>the Company&#146;s
      contributions to Mr. Fine&#146;s account under the Supplemental Retirement
      Plan;</FONT></TD></TR>
  <TR>
    <TD vAlign=top width="100%" colSpan=3>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap><FONT face=serif size=2>(b)</FONT></TD>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top width="100%"><FONT face=serif size=2>three times his then
      current base salary;</FONT></TD></TR>
  <TR>
    <TD vAlign=top width="100%" colSpan=3>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap><FONT face=serif size=2>(c)</FONT></TD>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top width="100%"><FONT face=serif size=2>three times his
      average bonus compensation during the preceding three years;</FONT></TD></TR>
  <TR>
    <TD vAlign=top width="100%" colSpan=3>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap><FONT face=serif size=2>(d)</FONT></TD>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top width="100%"><FONT face=serif size=2>the cost of continued
      participation in the Company&#146;s health insurance plans by him and his wife
      until his death or, if later, his wife&#146;s death; and</FONT></TD></TR>
  <TR>
    <TD vAlign=top width="100%" colSpan=3>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap><FONT face=serif size=2>(e)</FONT></TD>
    <TD vAlign=top noWrap>&nbsp;&nbsp; </TD>
    <TD vAlign=top width="100%"><FONT face=serif size=2>the cost of continued
      participation in the Company&#146;s health insurance plans by his dependent
      children until any such children are no longer dependent;
  and</FONT></TD></TR></TABLE></DIV>
<UL style="FONT-SIZE: 10pt">
  <LI><FONT face=serif size=2>increased by the amounts accrued on the Company&#146;s
  books as of the date of death for the payments described in items (a) through
  (e) above.</FONT></LI></UL>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>In 2008, W.
Morris Fine also became party to a Death Benefit Plan Agreement which is
substantially identical to the Death Benefit Plan Agreement with James A. Fine,
Jr.</FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I><FONT face=serif size=2>Conditions to Receipt of Severance Benefits.</FONT></I></B><B><FONT face=serif size=2> </FONT></B><FONT face=serif size=2>Under each named executive
officer&#146;s employment agreement, the Company&#146;s obligations to provide the
executive with the severance benefits described above are contingent
on:</FONT></P>
<UL style="FONT-SIZE: 10pt">
  <LI><FONT face=serif size=2>The executive&#146;s compliance with certain covenants
  with respect to confidential information;<BR>&nbsp;</FONT>
  <LI><FONT face=serif size=2>The executive&#146;s compliance with a two year
  non-competition covenant; and<BR>&nbsp;</FONT>
  <LI><FONT face=serif size=2>The executive&#146;s compliance with a two year
  non-solicitation covenant.</FONT></LI></UL>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I><FONT face=serif size=2>Estimated Post-Employment Compensation and
Benefits</FONT></I></B><B><FONT face=serif size=2>. </FONT></B><FONT face=serif size=2>The following tables set forth the estimated post-employment compensation
and benefits that would have been payable to each of the named executive
officers under his agreements, assuming that each covered circumstance occurred
on December 31, 2008.</FONT></P>
<P align=center><FONT face=serif>28</FONT></P>
<HR align=center width="100%" noShade SIZE=2>
<PAGE>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>The
following table shows the potential payments upon termination or a change of
control of the Company for J. Allen Fine, the Company&#146;s Chief Executive
Officer:</FONT></P>
<TABLE style="PADDING-RIGHT: 6pt; PADDING-LEFT: 6pt; FONT-SIZE: 12pt; LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-TOP: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=center width="36%"></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-TOP: #000000 1pt solid" noWrap align=center width="10%"></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-TOP: #000000 1pt solid" noWrap align=center width="10%"><B><FONT face=serif size=2>Termination</FONT></B></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-TOP: #000000 1pt solid" noWrap align=center width="8%"></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-TOP: #000000 1pt solid" noWrap align=center width="10%"></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-TOP: #000000 1pt solid" noWrap align=center width="10%"><B><FONT face=serif size=2>Involuntary</FONT></B></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-TOP: #000000 1pt solid" noWrap align=center width="15%"></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=center width="36%"><B><FONT face=serif size=2>Executive
      Benefits and</FONT></B></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%"></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%"><B><FONT face=serif size=2>Due to</FONT></B></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="8%"></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%"></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%"><B><FONT face=serif size=2>or Good</FONT></B></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="15%"><B><FONT face=serif size=2>Termination for</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=center width="36%"><B><FONT face=serif size=2>Payments
      Upon</FONT></B></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%"><B><FONT face=serif size=2>Voluntary</FONT></B></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%"><B><FONT face=serif size=2>Change in</FONT></B></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="8%"></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%"><B><FONT face=serif size=2>For Cause</FONT></B></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%"><B><FONT face=serif size=2>Reason</FONT></B></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="15%"><B><FONT face=serif size=2>Retirement (1)</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="36%"><B><FONT face=serif size=2>Termination</FONT></B></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="10%"><B><FONT face=serif size=2>Termination</FONT></B></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="10%"><STRONG><FONT size=2>Control</FONT></STRONG></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="8%"><STRONG><FONT size=2>Death</FONT></STRONG></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="10%"><B><FONT face=serif size=2>Termination</FONT></B></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="10%"><B><FONT face=serif size=2>Termination</FONT></B></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="15%"><B><FONT face=serif size=2>or
      Disability</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=left width="36%" bgColor=#c0c0c0><B><FONT face=serif size=2>Compensation:</FONT></B></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="8%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="15%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=left width="36%"><FONT face=serif size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Base Salary</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%"><FONT face=serif size=2>-</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%"><FONT face=serif size=2>907,046 (3)</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="8%"><FONT size=2>910,080</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%"><FONT face=serif size=2>25,280 (2)</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%"><FONT face=serif size=2>1,516,800 (5)</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="15%"><FONT face=serif size=2>910,080 (4)</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=left width="36%" bgColor=#c0c0c0><FONT size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <FONT face=serif>Bonus</FONT></FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%" bgColor=#c0c0c0><FONT face=serif size=2>-</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%" bgColor=#c0c0c0><FONT face=serif size=2>921,917 (6)</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="8%" bgColor=#c0c0c0><FONT size=2>925,000</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%" bgColor=#c0c0c0><FONT face=serif size=2>-</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%" bgColor=#c0c0c0><FONT face=serif size=2>1,541,667 (8)</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="15%" bgColor=#c0c0c0><FONT face=serif size=2>925,000 (7)</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=left width="36%"><FONT size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <FONT face=serif>Supplemental
      Retirement<BR>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Plan
    (9)</FONT></FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" vAlign=top noWrap align=center width="10%"><FONT face=serif size=2>713,909</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" vAlign=top noWrap align=center width="10%"><FONT size=2>713,909</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" vAlign=top noWrap align=center width="8%"><FONT size=2>713,909</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" vAlign=top noWrap align=center width="10%"><FONT face=serif size=2>713,909</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" vAlign=top noWrap align=center width="10%"><FONT face=serif size=2>713,909</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" vAlign=top noWrap align=center width="15%"><FONT face=serif size=2>713,909</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=left width="36%" bgColor=#c0c0c0><FONT size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <FONT face=serif>Deferred
      Compensation<BR>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Plan
      (10)</FONT></FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" vAlign=top noWrap align=center width="10%" bgColor=#c0c0c0><FONT face=serif size=2>171,316</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" vAlign=top noWrap align=center width="10%" bgColor=#c0c0c0><FONT size=2>171,316</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" vAlign=top noWrap align=center width="8%" bgColor=#c0c0c0><FONT size=2>171,316</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" vAlign=top noWrap align=center width="10%" bgColor=#c0c0c0><FONT face=serif size=2>171,316</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" vAlign=top noWrap align=center width="10%" bgColor=#c0c0c0><FONT face=serif size=2>171,316</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" vAlign=top noWrap align=center width="15%" bgColor=#c0c0c0><FONT face=serif size=2>171,316</FONT></TD></TR>
  <TR>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=left width="36%">&nbsp;</TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%"></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%"></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="8%"></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%"></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%"></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="15%"></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=left width="36%" bgColor=#c0c0c0><B><FONT face=serif size=2>Benefits and Perquisites:</FONT></B></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="8%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="15%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="36%"><FONT face=serif size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Health Plan (11)</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="10%"><FONT face=serif size=2>-</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="10%"><FONT size=2>41,001</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="8%"><FONT size=2>41,001</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="10%"><FONT face=serif size=2>-</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="10%"><FONT face=serif size=2>41,001</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="15%"><FONT face=serif size=2>41,001</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="36%" bgColor=#c0c0c0><B><FONT face=serif size=2>Total &#150; J. Allen Fine</FONT></B></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="10%" bgColor=#c0c0c0><FONT face=serif size=2>885,225</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="10%" bgColor=#c0c0c0><FONT size=2>2,755,189</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="8%" bgColor=#c0c0c0><FONT size=2>2,761,306</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="10%" bgColor=#c0c0c0><FONT face=serif size=2>910,505</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="10%" bgColor=#c0c0c0><FONT face=serif size=2>3,984,693</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="15%" bgColor=#c0c0c0><FONT face=serif size=2>2,761,306</FONT></TD></TR></TABLE><BR>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>The
following table shows the potential payments upon termination or a change of
control of the Company for James A. Fine, Jr., the Company&#146;s President and Chief
Financial Officer: </FONT></P>
<TABLE style="PADDING-RIGHT: 6pt; PADDING-LEFT: 6pt; FONT-SIZE: 12pt; LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-TOP: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=center width="36%"></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-TOP: #000000 1pt solid" noWrap align=center width="10%"></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-TOP: #000000 1pt solid" noWrap align=center width="10%"><B><FONT face=serif size=2>Termination</FONT></B></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-TOP: #000000 1pt solid" noWrap align=center width="8%"></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-TOP: #000000 1pt solid" noWrap align=center width="10%"></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-TOP: #000000 1pt solid" noWrap align=center width="10%"><B><FONT face=serif size=2>Involuntary</FONT></B></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-TOP: #000000 1pt solid" noWrap align=center width="15%"><B><FONT face=serif size=2>Termination</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=center width="36%"><B><FONT face=serif size=2>Executive
      Benefits and</FONT></B></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%"></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%"><B><FONT face=serif size=2>Due to</FONT></B></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="8%"></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%"></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%"><B><FONT face=serif size=2>or Good</FONT></B></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="15%"><B><FONT face=serif size=2>for</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=center width="36%"><B><FONT face=serif size=2>Payments
      Upon</FONT></B></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%"><B><FONT face=serif size=2>Voluntary</FONT></B></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%"><B><FONT face=serif size=2>Change in</FONT></B></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="8%"></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%"><B><FONT face=serif size=2>For Cause</FONT></B></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%"><B><FONT face=serif size=2>Reason</FONT></B></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="15%"><B><FONT face=serif size=2>Retirement or</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="36%"><B><FONT face=serif size=2>Termination</FONT></B></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="10%"><B><FONT face=serif size=2>Termination</FONT></B></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="10%"><B><FONT face=serif size=2>Control</FONT></B></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="8%"><B><FONT face=serif size=2>Death</FONT></B></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="10%"><B><FONT face=serif size=2>Termination</FONT></B></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="10%"><B><FONT face=serif size=2>Termination</FONT></B></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="15%"><B><FONT face=serif size=2>Disability</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=left width="36%" bgColor=#c0c0c0><B><FONT face=serif size=2>Compensation:</FONT></B></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="8%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="15%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=left width="36%"><FONT size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <FONT face=serif>Base
      Salary</FONT></FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%"><FONT face=serif size=2>-</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%"><FONT face=serif size=2>764,124 (3)</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="8%"><FONT face=serif size=2>766,680</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%"><FONT face=serif size=2>21,297 (2)</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%"><FONT face=serif size=2>1,277,800 (5)</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="15%"><FONT face=serif size=2>766,680 (4)</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=left width="36%" bgColor=#c0c0c0><FONT size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <FONT face=serif>Bonus</FONT></FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%" bgColor=#c0c0c0><FONT face=serif size=2>-</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%" bgColor=#c0c0c0><FONT face=serif size=2>911,950 (6)</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="8%" bgColor=#c0c0c0><FONT face=serif size=2>915,000</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%" bgColor=#c0c0c0><FONT face=serif size=2>-</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%" bgColor=#c0c0c0><FONT face=serif size=2>1,525,000 (8)</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="15%" bgColor=#c0c0c0><FONT face=serif size=2>915,000 (7)</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=left width="36%"><FONT size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <FONT face=serif>Supplemental</FONT></FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%"><FONT face=serif size=2>645,255</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%"><FONT face=serif size=2>645,255</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="8%"><FONT face=serif size=2>645,255</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%"><FONT face=serif size=2>645,255</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%"><FONT face=serif size=2>645,255</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="15%"><FONT face=serif size=2>645,255</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=left width="36%"><FONT size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <FONT face=serif>Retirement
      Plan (9)</FONT></FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%"></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%">&nbsp;</TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="8%"></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%"></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%"></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="15%"></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=left width="36%" bgColor=#c0c0c0><FONT size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <FONT face=serif>Deferred
      Compensation</FONT></FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%" bgColor=#c0c0c0><FONT face=serif size=2>144,152</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%" bgColor=#c0c0c0><FONT face=serif size=2>144,152</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="8%" bgColor=#c0c0c0><FONT face=serif size=2>144,152</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%" bgColor=#c0c0c0><FONT face=serif size=2>144,152</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%" bgColor=#c0c0c0><FONT face=serif size=2>144,152</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="15%" bgColor=#c0c0c0><FONT face=serif size=2>144,152</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=left width="36%" bgColor=#c0c0c0><FONT size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <FONT face=serif>Plan
      (10)</FONT></FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="8%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="15%" bgColor=#c0c0c0></TD></TR>
  <TR>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=left width="36%">&nbsp;</TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%"></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%"></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="8%"></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%"></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%"></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="15%"></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=left width="36%" bgColor=#c0c0c0><B><FONT face=serif size=2>Benefits and Perquisites:</FONT></B></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="8%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="15%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=left width="36%"><FONT size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <FONT face=serif>Health Plan
      (11)</FONT></FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%"><FONT face=serif size=2>-</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%"><FONT face=serif size=2>253,399</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="8%"><FONT face=serif size=2>253,399</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%"><FONT face=serif size=2>-</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%"><FONT face=serif size=2>253,399</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="15%"><FONT face=serif size=2>253,399</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=left width="36%" bgColor=#c0c0c0><FONT size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <FONT face=serif>Death Benefit
      Plan</FONT></FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%" bgColor=#c0c0c0><FONT face=serif size=2>-</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%" bgColor=#c0c0c0><FONT face=serif size=2>-</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="8%" bgColor=#c0c0c0><FONT face=serif size=2>1,299,300</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%" bgColor=#c0c0c0><FONT face=serif size=2>-</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%" bgColor=#c0c0c0><FONT face=serif size=2>-</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="15%" bgColor=#c0c0c0><FONT face=serif size=2>-</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=left width="36%" bgColor=#c0c0c0><FONT size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <FONT face=serif>Agreement
      (12)</FONT></FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="8%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="15%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="36%"><FONT size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <FONT face=serif>Life
      Insurance (13)</FONT></FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="10%"><FONT face=serif size=2>-</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="10%"><FONT face=serif size=2>65,986</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="8%"><FONT face=serif size=2>65,986</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="10%"><FONT face=serif size=2>-</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="10%"><FONT face=serif size=2>65,986</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="15%"><FONT face=serif size=2>65,986</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="36%" bgColor=#c0c0c0><B><FONT face=serif size=2>Total - James A. Fine, Jr.</FONT></B></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="10%" bgColor=#c0c0c0><FONT face=serif size=2>789,407</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="10%" bgColor=#c0c0c0><FONT face=serif size=2>2,784,866</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="8%" bgColor=#c0c0c0><FONT face=serif size=2>4,089,772</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="10%" bgColor=#c0c0c0><FONT face=serif size=2>810,704</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="10%" bgColor=#c0c0c0><FONT face=serif size=2>3,911,592</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="15%" bgColor=#c0c0c0><FONT face=serif size=2>2,790,472</FONT></TD></TR></TABLE><BR>
<P align=center><FONT face=serif>29</FONT></P>
<HR align=center width="100%" noShade SIZE=2>
<PAGE>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>The
following table shows the potential payments upon termination or a change of
control of the Company for W. Morris Fine, the Company&#146;s Executive Vice
President and Secretary:</FONT></P>
<TABLE style="PADDING-RIGHT: 6pt; PADDING-LEFT: 6pt; FONT-SIZE: 12pt; LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-TOP: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=center width="36%"></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-TOP: #000000 1pt solid" noWrap align=center width="10%"></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-TOP: #000000 1pt solid" noWrap align=center width="10%"><B><FONT face=serif size=2>Termination</FONT></B></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-TOP: #000000 1pt solid" noWrap align=center width="8%"></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-TOP: #000000 1pt solid" noWrap align=center width="10%"></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-TOP: #000000 1pt solid" noWrap align=center width="10%"><B><FONT face=serif size=2>Involuntary</FONT></B></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-TOP: #000000 1pt solid" noWrap align=center width="15%"></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=center width="36%"><B><FONT face=serif size=2>Executive
      Benefits and</FONT></B></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%"></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%"><B><FONT face=serif size=2>Due to</FONT></B></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="8%"></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%"></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%"><B><FONT face=serif size=2>or Good</FONT></B></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="15%"><B><FONT face=serif size=2>Termination</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=center width="36%"><B><FONT face=serif size=2>Payments
      Upon</FONT></B></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%"><B><FONT face=serif size=2>Voluntary</FONT></B></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%"><B><FONT face=serif size=2>Change in</FONT></B></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="8%"></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%"><B><FONT face=serif size=2>For Cause</FONT></B></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%"><B><FONT face=serif size=2>Reason</FONT></B></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="15%"><B><FONT face=serif size=2>for Retirement</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="36%"><B><FONT face=serif size=2>Termination</FONT></B></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="10%"><B><FONT face=serif size=2>Termination</FONT></B></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="10%"><B><FONT face=serif size=2>Control</FONT></B></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="8%"><B><FONT face=serif size=2>Death</FONT></B></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="10%"><B><FONT face=serif size=2>Termination</FONT></B></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="10%"><B><FONT face=serif size=2>Termination</FONT></B></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="15%"><B><FONT face=serif size=2>or
      Disability</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=left width="36%" bgColor=#c0c0c0><B><FONT face=serif size=2>Compensation:</FONT></B></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="8%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="15%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=left width="36%"><FONT face=serif size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Base Salary</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%"><FONT face=serif size=2>-</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%"><FONT face=serif size=2>764,124 (3)</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="8%"><FONT face=serif size=2>766,680</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%"><FONT face=serif size=2>21,297 (2)</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%"><FONT face=serif size=2>1,277,800 (5)</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="15%"><FONT face=serif size=2>766,680 (4)</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=left width="36%" bgColor=#c0c0c0><FONT size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <FONT face=serif>Bonus</FONT></FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%" bgColor=#c0c0c0><FONT face=serif size=2>-</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%" bgColor=#c0c0c0><FONT face=serif size=2>901,983 (6)</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="8%" bgColor=#c0c0c0><FONT face=serif size=2>905,000</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%" bgColor=#c0c0c0><FONT face=serif size=2>1,508,333 (8)</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="15%" bgColor=#c0c0c0><FONT face=serif size=2>905,000 (7)</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=left width="36%"><FONT size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <FONT face=serif>Supplemental
      Retirement</FONT></FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%"><FONT face=serif size=2>639,166</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%"><FONT face=serif size=2>639,166</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="8%"><FONT face=serif size=2>639,166</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%"><FONT face=serif size=2>639,166</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%"><FONT face=serif size=2>639,166</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="15%"><FONT face=serif size=2>639,166</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=left width="36%"><FONT size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <FONT face=serif>Plan
      (9)</FONT></FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%"></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%"></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="8%"></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%"></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%"></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="15%"></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=left width="36%" bgColor=#c0c0c0><FONT size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <FONT face=serif>Deferred
      Compensation</FONT></FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%" bgColor=#c0c0c0><FONT face=serif size=2>141,903</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%" bgColor=#c0c0c0><FONT face=serif size=2>141,903</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="8%" bgColor=#c0c0c0><FONT face=serif size=2>141,903</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%" bgColor=#c0c0c0><FONT face=serif size=2>141,903</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%" bgColor=#c0c0c0><FONT face=serif size=2>141,903</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="15%" bgColor=#c0c0c0><FONT face=serif size=2>141,903</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=left width="36%" bgColor=#c0c0c0><FONT size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <FONT face=serif>Plan
      (10)</FONT></FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="8%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="15%" bgColor=#c0c0c0></TD></TR>
  <TR>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=left width="36%">&nbsp;</TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%"></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%"></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="8%"></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%"></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%"></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="15%"></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=left width="36%" bgColor=#c0c0c0><B><FONT face=serif size=2>Benefits and Perquisites:</FONT></B></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="8%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="15%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=left width="36%"><FONT size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <FONT face=serif>Health Plan
      (11)</FONT></FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%"><FONT face=serif size=2>-</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%"><FONT face=serif size=2>176,249</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="8%"><FONT face=serif size=2>176,249</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%"><FONT face=serif size=2>-</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%"><FONT face=serif size=2>176,249</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="15%"><FONT face=serif size=2>176,249</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=left width="36%" bgColor=#c0c0c0><FONT size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <FONT face=serif>Death Benefit
      Plan</FONT></FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%" bgColor=#c0c0c0><FONT face=serif size=2>-</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%" bgColor=#c0c0c0><FONT face=serif size=2>-</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="8%" bgColor=#c0c0c0><FONT face=serif size=2>1,059,680</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%" bgColor=#c0c0c0><FONT face=serif size=2>-</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%" bgColor=#c0c0c0><FONT face=serif size=2>-</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="15%" bgColor=#c0c0c0><FONT face=serif size=2>-</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=left width="36%" bgColor=#c0c0c0><FONT size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <FONT face=serif>Agreement
      (12)</FONT></FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="8%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="10%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="15%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="36%"><FONT size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <FONT face=serif>Life
      Insurance (13)</FONT></FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="10%"><FONT face=serif size=2>-</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="10%"><FONT face=serif size=2>34,468</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="8%"><FONT face=serif size=2>34,468</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="10%"><FONT face=serif size=2>-</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="10%"><FONT face=serif size=2>34,468</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="15%"><FONT face=serif size=2>34,468</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="36%" bgColor=#c0c0c0><B><FONT face=serif size=2>Total &#150; W. Morris Fine</FONT></B></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="10%" bgColor=#c0c0c0><FONT face=serif size=2>781,069</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="10%" bgColor=#c0c0c0><FONT face=serif size=2>2,657,893</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="8%" bgColor=#c0c0c0><FONT face=serif size=2>3,723,146</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="10%" bgColor=#c0c0c0><FONT face=serif size=2>802,366</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="10%" bgColor=#c0c0c0><FONT face=serif size=2>3,777,919</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="15%" bgColor=#c0c0c0><FONT face=serif size=2>2,663,466</FONT></TD></TR></TABLE><BR>
<TABLE cellSpacing=0 cellPadding=0 border=0>

  <TR>
    <TD vAlign=top noWrap >&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>
    <TD vAlign=top noWrap><FONT face=serif size=2>(1)</FONT></TD>
    <TD vAlign=top noWrap>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>
    <TD vAlign=top width="100%"><FONT face=serif size=2>J. Allen Fine was
      eligible to retire on May 2, 2004.</FONT></TD></TR>
  <TR>
    <TD vAlign=top ></TD>
    <TD vAlign=top width="100%" colSpan=3>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap ></TD>
    <TD vAlign=top noWrap><FONT face=serif size=2>(2)</FONT></TD>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top width="100%"><FONT face=serif size=2>Represents 30 days
      severance.</FONT></TD></TR>
  <TR>
    <TD vAlign=top ></TD>
    <TD vAlign=top width="100%" colSpan=3>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap ></TD>
    <TD vAlign=top noWrap><FONT face=serif size=2>(3)</FONT></TD>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top width="100%"><FONT face=serif size=2>Represents lump sum
      severance payment equal to 2.99 times base salary.</FONT></TD></TR>
  <TR>
    <TD vAlign=top ></TD>
    <TD vAlign=top width="100%" colSpan=3>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap ></TD>
    <TD vAlign=top noWrap><FONT face=serif size=2>(4)</FONT></TD>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top width="100%"><FONT face=serif size=2>Represents three years
      severance, payable monthly.</FONT></TD></TR>
  <TR>
    <TD vAlign=top ></TD>
    <TD vAlign=top width="100%" colSpan=3>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap ></TD>
    <TD vAlign=top noWrap><FONT face=serif size=2>(5)</FONT></TD>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top width="100%"><FONT face=serif size=2>Represents five years
      severance, payable monthly.</FONT></TD></TR>
  <TR>
    <TD vAlign=top ></TD>
    <TD vAlign=top width="100%" colSpan=3>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap ></TD>
    <TD vAlign=top noWrap><FONT face=serif size=2>(6)</FONT></TD>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top width="100%"><FONT face=serif size=2>Represents lump sum
      severance payment equal to 2.99 times average bonus for past three
      years.</FONT></TD></TR>
  <TR>
    <TD vAlign=top ></TD>
    <TD vAlign=top width="100%" colSpan=3>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap ></TD>
    <TD vAlign=top noWrap><FONT face=serif size=2>(7)</FONT></TD>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top width="100%"><FONT face=serif size=2>Represents three times
      average bonus for past three years, payable in three annual
      installments.</FONT></TD></TR>
  <TR>
    <TD vAlign=top ></TD>
    <TD vAlign=top width="100%" colSpan=3>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap ></TD>
    <TD vAlign=top noWrap><FONT face=serif size=2>(8)</FONT></TD>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top width="100%"><FONT face=serif size=2>Represents five times
      average bonus for past three years, payable in three annual
      installments.</FONT></TD></TR>
  <TR>
    <TD vAlign=top ></TD>
    <TD vAlign=top width="100%" colSpan=3>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap ></TD>
    <TD vAlign=top noWrap><FONT face=serif size=2>(9)</FONT></TD>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top width="100%"><FONT face=serif size=2>Represents accumulated
      benefit under the Company&#146;s Nonqualified Supplemental Retirement Benefit
      Plan plus contribution required to ensure minimum of 20 quarters of
      Company contributions.</FONT></TD></TR>
  <TR>
    <TD vAlign=top ></TD>
    <TD vAlign=top width="100%" colSpan=3>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap ></TD>
    <TD vAlign=top noWrap><FONT face=serif size=2>(10)</FONT></TD>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top width="100%"><FONT face=serif size=2>Represents accumulated
      benefit under the Company&#146;s Nonqualified Deferred Compensation
    Plan.</FONT></TD></TR>
  <TR>
    <TD vAlign=top ></TD>
    <TD vAlign=top width="100%" colSpan=3>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap ></TD>
    <TD vAlign=top noWrap><FONT face=serif size=2>(11)</FONT></TD>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top width="100%"><FONT face=serif size=2>Reflects estimated
      cost of providing health insurance plan coverage using assumptions used
      for financial reporting purposes.</FONT></TD></TR>
  <TR>
    <TD vAlign=top ></TD>
    <TD vAlign=top width="100%" colSpan=3>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap ></TD>
    <TD vAlign=top noWrap><FONT face=serif size=2>(12)</FONT></TD>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top width="100%"><FONT face=serif size=2>Represents the
      estimated lump sum amount that would be payable under the officer&#146;s Death
      Benefit Plan Agreement.</FONT></TD></TR>
  <TR>
    <TD vAlign=top ></TD>
    <TD vAlign=top width="100%" colSpan=3>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap ></TD>
    <TD vAlign=top noWrap><FONT face=serif size=2>(13)</FONT></TD>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top width="100%"><FONT face=serif size=2>Reflects cash
      surrender value of life insurance policy, transferable at the executive&#146;s
      request.</FONT></TD></TR></TABLE>
<P align=center><FONT face=serif>30</FONT></P>
<HR align=center width="100%" noShade SIZE=2>
<PAGE>
<P align=center><B><FONT face=serif size=2>CERTAIN RELATIONSHIPS AND RELATED
TRANSACTIONS</FONT></B></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>The Board of
Directors recognizes that related party transactions present a heightened risk
of conflicts of interest, or the perception of conflicts of interest, and has
adopted a written policy to be followed in connection with all related party
transactions involving the Company. Pursuant to the policy, all related party
transactions must be approved by either (1) a majority of the disinterested
members of the Audit Committee of the Board of Directors or (2) a majority of
independent and disinterested members of the Board of Directors. In either case,
a related party transaction may not be approved by a single director. For
purposes of the policy, the term &#147;related party transaction&#148; is defined as any
transaction that is required to be disclosed in the Company&#146;s proxy statements
or other filings with the SEC pursuant to Item 404(a) of Regulation S-K under
the Securities Exchange Act of 1934 and any material &#147;conflict of interest&#148;
transaction with a director, as that term is defined under the North Carolina
Business Corporation Act. For fiscal year 2008, there were three related party
transactions required to be disclosed in this Proxy Statement. On June 23, 2008,
the Company purchased 10,000 shares of its common stock from Betty Dickey,
sister of A. Scott Parker III, Director, for $470,100, or $47.01 per share. On
August 12, 2008, the Company purchased 65,000 shares of its common stock from A.
Scott Parker III, Director, for $3,087,500 or $47.50 per share. On September 4,
2008, the Company purchased 31,000 shares of its common stock from Betty Dickey
for $1,364,310 or $44.01 per share. All three transactions were approved by the
Company&#146;s Audit Committee.</FONT></P>
<P align=center><B><FONT face=serif size=2>SHAREHOLDER PROPOSALS FOR 2010 ANNUAL
MEETING</FONT></B></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>Shareholder
proposals to be presented at the 2010 Annual Meeting of Shareholders must be
received by the Company on or before December 15, 2009 to be considered for
inclusion in the Company&#146;s proxy materials relating to that meeting. If a
shareholder notifies the Company after February 28, 2010 of an intent to present
a proposal at the Company&#146;s 2010 Annual Meeting of Shareholders, the request
will be considered untimely and the persons named as the Company&#146;s proxies will
have the right to exercise their discretionary voting authority with respect to
such proposal without including information regarding the proposal in the proxy
materials.</FONT></P>
<DIV align=right>
<TABLE cellSpacing=0 cellPadding=0 width="50%" border=0>

  <TR>
    <TD noWrap align=left width="100%">
      <P align=left><FONT face=serif size=2>BY ORDER OF THE BOARD OF
      DIRECTORS:<FONT size=3>&nbsp; </FONT></FONT></P></TD></TR>
  <TR>
    <TD noWrap align=left width="100%">&nbsp;</TD></TR>
  <TR>
    <TD noWrap align=left width="100%"><IMG src="investors_def14a4x5x1.jpg" border=0></TD></TR>
  <TR>
    <TD noWrap align=left width="100%">&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="100%"><FONT face=serif size=2>W. Morris
      Fine</FONT>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="100%"><FONT face=serif size=2>Secretary</FONT>&nbsp; </TD></TR>
  <TR>
    <TD width="100%">&nbsp; </TD></TR>
  <TR>
    <TD width="100%">&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="100%"><FONT face=serif size=2>April 14,
      2009</FONT>&nbsp; </TD></TR></TABLE></DIV><BR>
<P align=center><FONT face=serif>31</FONT></P>
<HR align=center width="100%" noShade SIZE=2>
<PAGE>
<P align=center><B><FONT face=serif size=2>APPENDIX A</FONT></B></P>
<P align=center><B><FONT face=serif size=2>INVESTORS TITLE COMPANY<BR>2009 STOCK
APPRECIATION RIGHT PLAN</FONT></B></P>
<P align=center><FONT face=serif size=2>ARTICLE I</FONT></P>
<P align=center><U><FONT face=serif size=2>GENERAL PROVISIONS</FONT></U></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>Section 1.1
</FONT><U><FONT face=serif size=2>Purpose</FONT></U><FONT face=serif size=2>.
This 2009 Stock Appreciation Right Plan (the &#147;Plan&#148;) of Investors Title Company
and its subsidiaries (the "Company") is intended to induce those persons who are
in a position to contribute materially to the success of the Company to remain
with the Company, to offer them rewards in recognition of their contributions to
the Company and to offer them incentives to continue to promote the Company&#146;s
best interests.</FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>Section 1.2 </FONT><U><FONT face=serif size=2>Administration</FONT></U><FONT face=serif size=2>. The Plan
shall be administered by the Compensation Committee of the Board of Directors
(the &#147;Committee&#148;); </FONT><I><FONT face=serif size=2>provided, however,
</FONT></I><FONT face=serif size=2>that (i) with respect to any awards under the
Plan to an individual who is, on the relevant date, an officer, director or ten
percent (10%) beneficial owner of any class of the Company&#146;s equity securities
that is registered pursuant to Section 12 of the Securities Exchange Act of
1934, as amended (the &#147;Exchange Act&#148;), all as defined under Section 16 of the
Exchange Act, Committee shall mean a subcommittee of at least two (2) members of
the Compensation Committee who are &#147;non-employee&#148; directors within the meaning
of Rule 16b-3 adopted under the Exchange Act, and (ii) with respect to any
awards under the Plan to &#147;covered employees&#148; within the meaning of Section
162(m) of the Code or any successor statute, Committee shall mean a subcommittee
of the Compensation Committee consisting of at least two members of the
Compensation Committee who are &#147;outside directors&#148; within the meaning of Section
162(m) of the Code. Any action by the Committee shall be taken by majority vote
at a meeting thereof called in accordance with procedures adopted thereby, or by
unanimous written consent of the Committee.</FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>Section 1.3 </FONT><U><FONT face=serif size=2>Authority of Committee</FONT></U><FONT face=serif size=2>.</FONT></P>
<P style="PADDING-LEFT: 15pt" align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>(a) Subject to the other provisions of this Plan, the
Committee shall have sole authority in its absolute discretion: to grant stock
appreciation rights (&#147;SARs&#148;) pursuant to Article II under the Plan; to determine
the officers, employees and directors to whom SARs shall be granted under the
Plan; to determine the number of shares subject to any SAR under the Plan; to
fix the exercise price and the duration of each SAR granted under the Plan; to
establish corporate or individual performance or other vesting standards for
SARs granted under the Plan; to establish any other terms and conditions of SARs
granted under the Plan; and to accelerate the time at which any outstanding SAR
granted under the Plan may be exercised. The Board may also grant SARs from time
to time to consultants who are not employees of the Company. No member of the
Board or of the Committee shall be liable for any action or determination made
in good faith with respect to the Plan or any SAR granted thereunder. In
addition, directors or former directors of the Company, including members or
former members of the Committee, shall be entitled to indemnification by the
Company to the extent permitted by applicable law and by the Company&#146;s Articles
of Incorporation or Bylaws with respect to any liability or expense arising out
of such person&#146;s participation in the administration of this Plan.</FONT></P>
<P style="PADDING-LEFT: 15pt" align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>(b) Subject to the other provisions of this Plan, and with a
view to effecting its purpose, the Committee shall have sole authority in its
absolute discretion: to construe and interpret the Plan; to prescribe, amend,
and rescind rules and regulations relating to the Plan; to make any other
determinations relating to the Plan; and to do everything necessary or advisable
to administer the Plan.</FONT></P>
<P align=center><FONT face=serif>32</FONT></P>
<HR align=center width="100%" noShade SIZE=2>
<PAGE>
<P style="PADDING-LEFT: 15pt" align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>(c) All decisions, determinations,
and interpretations made by the Committee shall be binding and conclusive on all
SAR grantees and on their legal representatives, heirs and
beneficiaries.</FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>Section 1.4 </FONT><U><FONT face=serif size=2>Shares Subject to the Plan: Reservation of
Shares</FONT></U><FONT face=serif size=2>. The maximum aggregate number of
shares of common stock of the Company available pursuant to the Plan for the
grant of SARs, subject to adjustments as provided in Section 1.6, shall be
250,000 shares of the Company's common stock, no par value (the "Common Stock").
The aggregate number of shares of Common Stock with respect to which SARs under
the Plan may be granted to any individual (including SARs that are subsequently
cancelled) shall not exceed an aggregate of 50,000 shares of Common Stock. If
any SAR granted pursuant to the Plan expires or terminates for any reason before
it has been exercised in full, the unpurchased shares subject to that SAR shall
again be available for the purposes of the Plan. The Company shall at all times
reserve and keep available such number of shares of its Common Stock as shall be
sufficient to satisfy the requirements of the Plan.</FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>Section 1.5 </FONT><U><FONT face=serif size=2>Eligibility</FONT></U><FONT face=serif size=2>. SARs may be
granted under the Plan to such key employees (including statutory employees
within the meaning of Section 3121(d) of the Code), officers, directors or
consultants of the Company or a subsidiary of the Company, whether or not
employees, as the Committee shall select from time to time in its
discretion.</FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>Section 1.6 </FONT><U><FONT face=serif size=2>Adjustments</FONT></U><FONT face=serif size=2>. If the shares
of Common Stock of the Company are increased, decreased, changed into or
exchanged for a different number or kind of shares or securities through merger,
consolidation, combination, exchange of shares, other reorganization,
recapitalization, reclassification, stock dividend, stock split or reverse stock
split in which the Company is the surviving entity, an appropriate and
proportionate adjustment shall be made in the maximum number and kind of shares
as to which SARs may be granted under this Plan. A corresponding adjustment
changing the number or kind of shares allocated to unexercised SARs that shall
have been granted prior to any such change shall likewise be made. Any such
adjustment in outstanding SARs shall be made without change in the aggregate
purchase price applicable to the unexercised portion of any such SAR, but with a
corresponding adjustment in the price for each share covered by the SAR, and
shall be made in a manner consistent with the requirements of Section 409A of
the Code in order for any such SAR to remain exempt from the requirements of
Section 409A of the Code. In making any adjustment pursuant to this Section 1.6,
any fractional shares shall be disregarded.</FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>In the event
of a change in the Common Stock of the Company as presently constituted, which
is limited to a change of all of its authorized shares with par value into the
same number of shares with a different par value or without par value, the
shares resulting from any such change shall be deemed to be Common Stock within
the meaning of the Plan.</FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>The grant of
a SAR under the Plan shall not affect in any way the right or power of the
Company to make adjustments, reclassifications, reorganizations or changes in
its capital or business structure.</FONT></P>
<P align=center><FONT face=serif size=2>ARTICLE II</FONT></P>
<P align=center><U><FONT face=serif size=2>STOCK APPRECIATION
RIGHTS</FONT></U></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>Section 2.1 </FONT><U><FONT face=serif size=2>Grant</FONT></U><FONT face=serif size=2>. The Committee may
cause the Company to grant SARs to eligible participants under the Plan in such
amounts as the Committee, in its sole discretion shall determine. The Committee
shall have complete discretion in determining the terms and conditions
pertaining to such SARs consistent with the provisions of the Plan. The grant
price of a SAR shall not be less than the fair market value (as hereinafter
defined) per share of the Common Stock at the time the SAR is granted. For the
purpose of the Plan, the "fair market value" per share of Common Stock on any
date of reference shall be the Closing Price of the Common Stock referred to in
clauses (i), (ii) or (iii) below, whichever appropriate, on the business day
immediately preceding such date. For this purpose, the Closing Price of the
Common Stock on any business day shall be: (i) if the Common Stock is listed or
admitted for trading on any United States national securities exchange, or if
actual transactions are otherwise reported on the National Market System of the
National Association of Securities Dealers Automated Quotation</FONT></P>
<P align=center><FONT face=serif>33</FONT></P>
<HR align=center width="100%" noShade SIZE=2>
<PAGE>
<P align=left><FONT face=serif size=2>System ("NASDAQ") or other consolidated
transaction reporting system, the last reported sale price of Common Stock on
such exchange or reporting system on which the Common Stock is principally
traded, as reported in any newspaper of general circulation; (ii) if clause (i)
is not applicable and the Common Stock is otherwise quoted on NASDAQ, or any
similar system of automated dissemination of quotations of securities prices in
common use, the mean between the closing high bid and low asked quotations for
the Common Stock on such system for such day; or (iii) if neither clause (i) nor
(ii) is applicable, the mean between the high bid and low asked quotations for
the Common Stock as reported by the National Quotation Bureau, Incorporated if
at least two securities dealers have inserted both bid and asked quotations for
Common Stock on at least five of the preceding ten days. If neither clause (i)
nor clauses (ii) or (iii) are applicable, "fair market value" per share of
Common Stock shall be such value as shall be determined by the Committee in its
sole discretion, unless the Committee shall identify a different method for
determining fair market value in a fair and uniform manner.</FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>Section 2.2
</FONT><U><FONT face=serif size=2>Exercise of SARs</FONT></U><FONT face=serif size=2>. SARs may be exercised upon whatever terms and conditions the Committee,
in its sole discretion, imposes upon them.</FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>Section 2.3 </FONT><U><FONT face=serif size=2>SAR Agreement</FONT></U><FONT face=serif size=2>. Each SAR
grant shall be evidenced by a SAR agreement that shall specify the grant price,
the term of the SAR, and such other provisions as the Committee shall
determine.</FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>Section 2.4 </FONT><U><FONT face=serif size=2>Term of SARs</FONT></U><FONT face=serif size=2>. The term of a
SAR granted under the Plan shall be determined by the Committee, in its sole
discretion; </FONT><I><FONT face=serif size=2>provided, however</FONT></I><FONT face=serif size=2>, that such term shall not exceed ten (10) years.</FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>Section 2.5 </FONT><U><FONT face=serif size=2>Payment of SAR Amount</FONT></U><FONT face=serif size=2>. Upon
exercise of a SAR, the grantee of the SAR shall be entitled to receive payment
from the Company in an amount determined by multiplying:</FONT></P>
<TABLE cellSpacing=0 cellPadding=0 border=0>

  <TR>
    <TD vAlign=top noWrap>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD vAlign=top noWrap><FONT face=serif size=2>(a)</FONT></TD>
    <TD vAlign=top noWrap><FONT size=2>&nbsp;</FONT></TD>
    <TD vAlign=top width="100%"><FONT face=serif size=2>The difference between
      the fair market value (as defined in Section 2.1) of a share of Common
      Stock on the date of exercise over the grant price; by</FONT></TD></TR>
  <TR>
    <TD noWrap></TD>
    <TD vAlign=top width="100%" colSpan=3>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top noWrap><FONT face=serif size=2>(b)</FONT></TD>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top width="100%"><FONT face=serif size=2>The number of shares
      of Common Stock with respect to which the SAR is
  exercised.</FONT></TD></TR></TABLE>
<P align=left><B><FONT face=serif size=2></FONT></B><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>At the discretion of
the Committee or as otherwise provided in the applicable SAR agreement, the
payment upon SAR exercise shall be in cash, in shares of Common Stock of
equivalent value, or in some combination thereof.</FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>Section 2.6 </FONT><U><FONT face=serif size=2>SARs Not Transferable</FONT></U><FONT face=serif size=2>.
Except as otherwise provided in the applicable SAR Agreement, SARs granted
pursuant to this Plan may not be sold, pledged, assigned or transferred in any
manner other than by will or the laws of descent or distribution and may be
exercised during the lifetime of a SAR grantee only by that grantee.</FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>Section 2.7 </FONT><U><FONT face=serif size=2>Termination of Employment, Disability or Death</FONT></U></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>(a) If a SAR grantee ceases to be
employed by the Company, or any subsidiary corporation, for any reason other
than death or disability, any SAR granted to such grantee that is unexercised or
still subject to any restrictions or conditions shall be terminated and
forfeited, unless otherwise provided in the applicable SAR agreement.</FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>(b) If a SAR grantee becomes
disabled within the meaning of Section 22(e)(3) of the Code while employed by
the Company, or any subsidiary corporation, any SAR may be exercised at any time
within three months after the date of termination of employment due to
disability, unless a longer or shorter period is provided in the applicable SAR
agreement.</FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>(c) If a SAR grantee dies while
employed by the Company, or any subsidiary corporation, any SAR shall expire one
year after the date of death, unless a longer or shorter period of exercise is
provided in the applicable SAR agreement. During this period, the SAR may be
exercised, except as otherwise provided in the applicable SAR </FONT><FONT face=serif></FONT><FONT face=serif size=2>agreement, by the person or persons to
whom the SAR grantee's rights under the SAR shall pass by will or by the laws of
descent and distribution, but in no event may the SAR be exercisable more than
ten years from the date of grant.</FONT></P>
<P align=center><FONT face=serif>34</FONT></P>
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<PAGE>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>(d) Unless
otherwise provided in the applicable SAR agreement, any SAR that may be
exercised for a period following termination of the SAR grantee's employment may
be exercised only to the extent it was exercisable immediately before such
termination and in no event after the SAR would expire by its terms without
regard to such termination.</FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>(e) Unless otherwise provided in the
applicable SAR agreement, if a nonemployee director ceases to serve the Company
in that capacity, the SAR grantee&#146;s rights upon such termination shall be
governed in the manner of a SAR grantee&#146;s rights upon termination of employment
as set forth above.</FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>Section 2.8 </FONT><U><FONT face=serif size=2>Reorganizations</FONT></U><FONT face=serif size=2>. Unless
otherwise provided in the applicable SAR agreement, if the Company shall be a
party to any merger or consolidation in which it is not the surviving entity or
pursuant to which the shareholders of the Company exchange their Common Stock
for other securities or for cash in any acquisition transaction, or if the
Company shall dissolve or liquidate or sell all or substantially all of its
assets, or upon consummation of a tender offer approved by the Board, all SARs
outstanding under this Plan, unless otherwise provided in the applicable SAR
agreement, shall terminate on the effective date of such merger, consolidation,
dissolution, liquidation, sale or tender offer; </FONT><I><FONT face=serif size=2>provided, however</FONT></I><FONT face=serif size=2>, that prior to such
effective date, the Committee may, in its discretion, either (i) make any or all
outstanding SARs immediately exercisable, (ii) authorize a payment to any SAR
grantee that approximates the economic benefit that he would realize if his SAR
were exercised immediately before such effective date, (iii) authorize a payment
in such other amount as it deems appropriate to compensate any SAR grantee for
the termination of his SAR, or (iv) arrange for the granting of a substitute SAR
to any SAR grantee.</FONT></P>
<P align=center><FONT face=serif size=2>ARTICLE III</FONT></P>
<P align=center><FONT face=serif size=2>MISCELLANEOUS PROVISIONS</FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>Section 3.1 </FONT><U><FONT face=serif size=2>Tax Reimbursement Payments or Loans</FONT></U><FONT face=serif size=2>. In view of the federal and state income tax savings expected to be
realized by the Company upon exercise of a SAR, the Committee may, in its
discretion, provide that the Company will make a cash payment or a loan or a
combination thereof to the grantee of a SAR (or his personal representatives or
heirs) for the purpose of assisting such grantee in the payment of personal
income taxes arising from such exercise or lapse of restrictions and conditions.
The basis for determining the amount and conditions of such cash payment or loan
or combination thereof and the terms and conditions of any such loan shall be
specified in the agreement pursuant to which the grant is made or may be
subsequently determined by the Committee. The Committee, in its discretion, may
from time to time forgive any such loan in whole or in part.</FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>Section 3.2 </FONT><U><FONT face=serif size=2>Tax Withholding</FONT></U><FONT face=serif size=2>. No SAR
grantee shall be entitled to issuance of a stock certificate representing shares
purchased upon exercise of a SAR until such grantee has paid, or made
arrangements for payment, to the Company of an amount equal to the income and
other taxes that the Company is required to withhold from such person as a
result of his exercise of a SAR. In addition, such amounts as the Company is
required to withhold by reason of any tax reimbursement payments made pursuant
to Section 3.1 may be deducted from such payments.</FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>Section 3.3 </FONT><U><FONT face=serif size=2>Employment</FONT></U><FONT face=serif size=2>. Nothing in the
Plan or in any SAR agreement shall confer upon any eligible employee any right
to continued employment by the Company or any subsidiary of the Company, or
limit in any way the right of the Company or any subsidiary of the Company at
any time to terminate or alter the terms of that employment.</FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>Section 3.4 </FONT><U><FONT face=serif size=2>Effective Date of Plan</FONT></U><FONT face=serif size=2>.
This Plan shall be effective March 2, 2009, the date of adoption of the Plan by
the Board of Directors of the Company, subject to approval of the Plan by the
shareholders of the Company by the a majority of the votes cast at a meeting at
which a majority of the Company&#146;s Common Stock is present either in person or by
proxy held within 12 months of the date of adoption of the Plan by the
Board.</FONT></P>
<P align=center><FONT face=serif>35</FONT></P>
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<PAGE>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>Section 3.5 </FONT><U><FONT face=serif size=2>Termination and Amendment of Plan</FONT></U><FONT face=serif size=2>. The Plan may be amended, revised or terminated at any time by the
Board; </FONT><I><FONT face=serif size=2>provided, however</FONT></I><FONT face=serif size=2>, that no amendment or revision shall, without the approval of
the Company&#146;s shareholders, (a) increase the maximum aggregate number of shares
subject to this Plan, except as permitted under Section 1.6; (b) change the
minimum purchase price for shares subject to SARs granted under the Plan; (c)
extend the maximum duration established under the Plan for any SAR; or (d)
permit the granting of a SAR to anyone other than those individuals described in
Section 1.5 hereof. Unless sooner terminated, the Plan shall terminate on March
2, 2019. No SAR shall be granted under the Plan after the Plan is
terminated.</FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>Section 3.6 </FONT><U><FONT face=serif size=2>Prior Rights and Obligations</FONT></U><FONT face=serif size=2>. No amendment, suspension, or termination of the Plan shall, without the
consent of the person who has received a SAR, alter or impair any of that
person's rights or obligations under any SAR granted under the Plan prior to
such amendment, suspension, or termination.</FONT></P>
<P align=left><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>Section 3.7 </FONT><U><FONT face=serif size=2>Securities Laws</FONT></U><FONT face=serif size=2>. Shares of
Common Stock issuable pursuant to this Plan may, at the option of the Company,
be registered under applicable federal and state securities laws, but the
Company shall have no obligation to undertake such registrations and may, in
lieu thereof, issue shares hereunder only pursuant to applicable exemptions from
such registrations. In the event that no such registrations are undertaken, the
shares shall be issued only to persons who qualify to receive such shares in
accordance with the exemption from registration on which the Company relies. In
connection with any issuance of shares or certificates under the Plan, the
Committee may require appropriate representations from the recipient of such
shares and take such other action as the Committee may deem necessary, including
but not limited to placing restrictive legends on certificates evidencing such
shares and placing stop transfer instructions in the Company's stock transfer
records, or delivering such instructions to the Company's transfer agent, in
order to assure compliance with any such exemptions. Notwithstanding any other
provision of the Plan, no shares will be issued pursuant to the Plan unless such
shares have been registered under all applicable federal and state securities
laws or unless, in the opinion of counsel satisfactory to the Company,
exemptions from such registrations are available.</FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>Section 3.8
</FONT><U><FONT face=serif size=2>Compliance With Section 409A of the
Code</FONT></U><FONT face=serif size=2>. The Plan is intended to comply with
Section 409A of the Code, to the extent applicable. Notwithstanding any
provision of the Plan to the contrary, the Plan shall be interpreted, operated
and administered consistent with this intent. In that regard, and
notwithstanding any provision of the Plan to the contrary, the Company reserves
the right to amend the Plan or any award granted under the Plan, by action of
the Committee, without the consent of any affected participant, to the extent
deemed necessary or appropriate for purposes of maintaining compliance with
Section 409A of the Code and the regulations promulgated thereunder.</FONT></P>
<P align=center><FONT face=serif>36</FONT></P>
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<PAGE><!-- PROXY CARD -->
<P align=center><FONT size=2></FONT>&nbsp;</P>
<P align=center><FONT size=2>&nbsp;</FONT><IMG src="proxyx1x1.jpg" border=0>
</P>
<P align=center>&nbsp;</P>
<P align=center>&nbsp;</P>
<P align=center>&nbsp;</P>
<P align=center>&nbsp;</P>
<P align=center>&nbsp;</P>
<P align=center><FONT size=2><FONT face=webdings size=4>6</FONT> DETACH PROXY
CARD HERE </FONT><FONT face=Webdings size=4>6</FONT></P>
<TABLE style="PADDING-RIGHT: 1pt; PADDING-LEFT: 1pt; PADDING-BOTTOM: 1pt; PADDING-TOP: 1pt; TEXT-ALIGN: justify" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD style="BORDER-TOP: #000000 1pt dotted" width="1%">&nbsp;</TD>
    <TD style="BORDER-TOP: #000000 1pt dotted" align=justify width="96%" colSpan=13><B><FONT size=2>THE BOARD OF DIRECTORS RECOMMENDS A VOTE &#147;FOR&#148;
      ELECTION OF THE DIRECTOR NOMINEES</FONT></B>&nbsp;<STRONG><FONT size=2>LISTED BELOW.</FONT></STRONG></TD>
    <TD style="BORDER-TOP: #000000 1pt dotted" width="1%">&nbsp;</TD>
    <TD style="BORDER-TOP: #000000 1pt dotted; BORDER-LEFT: #000000 1pt dotted" width="1%">&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD width="1%"></TD>
    <TD align=justify width="96%" colSpan=13><FONT size=1>&nbsp;<BR>Mark
      &#147;</FONT><B><FONT size=1>X</FONT></B><FONT size=1>&#148; for only one box.
      Shares will be voted in the manner directed. If no direction is indicated,
      shares will be voted &#147;</FONT><B><FONT size=1>FOR</FONT></B><FONT size=1>&#148;
      the following director nominees:<BR>&nbsp;</FONT></TD>
    <TD width="1%"></TD>
    <TD style="BORDER-LEFT: #000000 1pt dotted" width="1%">&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD width="1%"></TD>
    <TD align=justify width="96%" colSpan=13><FONT face=serif size=1>1 &#150; James
      A. Fine,
      Jr.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2 &#150;
      H. Joe King,
      Jr.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3 &#150; James
      R. Morton&nbsp;</FONT></TD>
    <TD width="1%"></TD>
    <TD style="BORDER-LEFT: #000000 1pt dotted" width="1%" rowSpan=12><IMG src="proxyx1x2.jpg" border=0><BR></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=bottom align=right width="1%"></TD>
    <TD vAlign=bottom align=right width="1%"><FONT face=wingdings size=5><FONT face="Times New Roman" size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></FONT></TD>
    <TD vAlign=bottom align=justify width="1%"><FONT face=Wingdings size=4><FONT size=5>&#168;</FONT></FONT></TD>
    <TD vAlign=bottom align=justify width="1%">&nbsp;&nbsp;&nbsp;</TD>
    <TD vAlign=middle noWrap align=justify width="16%"><B><FONT face=serif size=1>FOR </FONT></B><FONT face=serif size=1>all nominees</FONT></TD>
    <TD vAlign=bottom noWrap align=justify width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD vAlign=bottom noWrap align=justify width="6%"><FONT face=Wingdings size=5>&#168;</FONT></TD>
    <TD vAlign=bottom noWrap align=justify width="1%">&nbsp;&nbsp;&nbsp;</TD>
    <TD vAlign=bottom noWrap align=justify width="15%"><B><FONT face=serif size=1>WITHHOLD </FONT></B><FONT face=serif size=1>authority<BR>for all
      nominees</FONT></TD>
    <TD vAlign=bottom noWrap align=justify width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD vAlign=bottom noWrap align=justify width="10%"><FONT face=Wingdings size=5>&#168;</FONT></TD>
    <TD vAlign=bottom noWrap align=justify width="2%">&nbsp;&nbsp;&nbsp;</TD>
    <TD vAlign=bottom noWrap align=justify width="41%" colSpan=2><FONT face=serif size=1>Withhold authority to vote<BR>for any individual
      nominee.</FONT></TD>
    <TD vAlign=top width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD width="1%"></TD>
    <TD vAlign=top align=justify width="95%" colSpan=12><FONT face=serif size=1>&nbsp;<BR>To withhold authority to vote for any nominee, write
      number(s) of nominee(s)
      below.&nbsp;<BR>&nbsp;<BR>_____________________________________________________________________&nbsp;</FONT></TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD width="1%"></TD>
    <TD vAlign=top align=justify width="96%" colSpan=13><B><FONT face=serif size=2>THE BOARD OF DIRECTORS RECOMMENDS A VOTE &#147;FOR&#148; THE PROPOSAL TO
      APPROVE THE APPROVAL OF THE 2009 STOCK APPRECIATION RIGHT
    PLAN.</FONT></B></TD>
    <TD width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD align=right width="1%"></TD>
    <TD align=right width="1%"></TD>
    <TD vAlign=top align=justify width="1%"><FONT face=Wingdings size=5>&#168;</FONT></TD>
    <TD vAlign=top align=justify width="1%"></TD>
    <TD vAlign=top align=justify width="16%"><FONT face=serif size=1><STRONG>FOR</STRONG><FONT size=3>&nbsp;</FONT></FONT></TD>
    <TD vAlign=top align=justify width="1%"></TD>
    <TD vAlign=top align=justify width="6%"><FONT face=Wingdings size=5>&#168;</FONT></TD>
    <TD vAlign=top align=justify width="1%"></TD>
    <TD vAlign=top align=justify width="15%"><FONT face=serif size=1><STRONG>AGAINST</STRONG><FONT size=3>&nbsp;</FONT></FONT></TD>
    <TD vAlign=top align=justify width="1%"></TD>
    <TD vAlign=top align=justify width="10%"><FONT face=Wingdings size=5>&#168;</FONT></TD>
    <TD vAlign=top align=justify width="2%"></TD>
    <TD vAlign=top align=justify width="41%" colSpan=2><FONT face=serif size=1><STRONG>ABSTAIN</STRONG><FONT size=3>&nbsp;</FONT></FONT></TD>
    <TD vAlign=top width="1%"></TD></TR>
  <TR>
    <TD width="1%"></TD>
    <TD vAlign=top align=justify width="96%" colSpan=13><FONT size=1>In their
      discretion, the proxies are authorized to vote in their best judgment with
      respect to any other business that may properly come before the
      meeting.</FONT></TD>
    <TD width="1%"></TD></TR>
  <TR>
    <TD align=right width="1%"></TD>
    <TD align=right width="1%"><FONT size=1>&nbsp;</FONT></TD>
    <TD vAlign=top width="1%"></TD>
    <TD vAlign=top width="1%"></TD>
    <TD vAlign=top width="16%"><FONT size=1>&nbsp;</FONT></TD>
    <TD vAlign=top width="1%"><FONT size=1>&nbsp;</FONT></TD>
    <TD vAlign=top width="6%"><FONT size=1>&nbsp;</FONT></TD>
    <TD vAlign=top width="1%"></TD>
    <TD vAlign=top width="15%"><FONT size=1>&nbsp;</FONT></TD>
    <TD vAlign=bottom width="1%"></TD>
    <TD vAlign=bottom width="52%" colSpan=3><FONT size=1>&nbsp;</FONT></TD>
    <TD vAlign=bottom noWrap width="1%"><FONT size=1>&nbsp;</FONT></TD>
    <TD vAlign=bottom noWrap width="1%"></TD></TR>
  <TR>
    <TD align=right width="1%"></TD>
    <TD align=right width="1%"></TD>
    <TD vAlign=top align=justify width="1%"></TD>
    <TD vAlign=top align=justify width="1%"></TD>
    <TD vAlign=top align=justify width="16%"></TD>
    <TD vAlign=top align=justify width="1%"></TD>
    <TD vAlign=top align=justify width="6%"></TD>
    <TD vAlign=top align=justify width="1%"></TD>
    <TD vAlign=top align=justify width="15%"></TD>
    <TD vAlign=bottom align=justify width="1%"><FONT size=1>Dated:</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" vAlign=bottom align=justify width="52%" colSpan=3><FONT size=1>&nbsp;</FONT></TD>
    <TD vAlign=bottom noWrap align=justify width="1%"><FONT size=1>,
      2009</FONT></TD>
    <TD vAlign=bottom noWrap width="1%">&nbsp;</TD></TR>
  <TR>
    <TD align=right width="1%"></TD>
    <TD align=right width="1%"></TD>
    <TD vAlign=top align=justify width="1%"></TD>
    <TD vAlign=top align=justify width="1%"></TD>
    <TD vAlign=top align=justify width="16%"></TD>
    <TD vAlign=top align=justify width="1%"></TD>
    <TD vAlign=top align=justify width="6%"></TD>
    <TD vAlign=top align=justify width="1%"></TD>
    <TD vAlign=top align=justify width="15%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" vAlign=top align=justify width="54%" colSpan=5>&nbsp;</TD>
    <TD vAlign=top width="1%"></TD></TR>
  <TR>
    <TD align=right width="1%"></TD>
    <TD align=right width="1%"></TD>
    <TD vAlign=top align=justify width="1%"></TD>
    <TD vAlign=top align=justify width="1%"></TD>
    <TD vAlign=top align=justify width="16%"></TD>
    <TD vAlign=top align=justify width="1%"></TD>
    <TD vAlign=top align=justify width="6%"></TD>
    <TD vAlign=top align=justify width="1%"></TD>
    <TD vAlign=top align=justify width="15%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" vAlign=top align=center width="54%" colSpan=5><FONT size=1>&nbsp;(Signature)<BR>&nbsp;</FONT></TD>
    <TD vAlign=top align=center width="1%"></TD></TR>
  <TR>
    <TD align=right width="1%"></TD>
    <TD align=right width="1%"></TD>
    <TD vAlign=top align=justify width="1%"></TD>
    <TD vAlign=top align=justify width="1%"></TD>
    <TD vAlign=top align=justify width="16%"></TD>
    <TD vAlign=top align=justify width="1%"></TD>
    <TD vAlign=top align=justify width="6%"></TD>
    <TD vAlign=top align=justify width="1%"></TD>
    <TD vAlign=top align=justify width="15%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" vAlign=top align=center width="54%" colSpan=5><FONT size=1>(Signature if held
      jointly)<BR>&nbsp;</FONT></TD>
    <TD vAlign=top align=center width="1%"></TD></TR>
  <TR>
    <TD align=right width="1%"></TD>
    <TD align=right width="1%"></TD>
    <TD vAlign=top width="1%"></TD>
    <TD vAlign=top width="1%"></TD>
    <TD vAlign=top width="16%"></TD>
    <TD vAlign=top width="1%"></TD>
    <TD vAlign=top width="6%"></TD>
    <TD vAlign=top width="1%"></TD>
    <TD vAlign=top width="15%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" vAlign=top align=center width="54%" colSpan=5><FONT size=1>SHAREHOLDER&nbsp;<BR>&nbsp;</FONT></TD>
    <TD vAlign=top align=center width="1%"></TD></TR>
  <TR>
    <TD align=right width="1%"></TD>
    <TD align=right width="1%"></TD>
    <TD vAlign=top align=justify width="1%"></TD>
    <TD vAlign=top align=justify width="1%"></TD>
    <TD vAlign=top align=justify width="16%"></TD>
    <TD vAlign=top align=justify width="1%"></TD>
    <TD vAlign=top align=justify width="6%"></TD>
    <TD vAlign=top align=justify width="1%"></TD>
    <TD vAlign=top align=justify width="15%"></TD>
    <TD vAlign=top align=center width="54%" colSpan=5><FONT size=1>NUMBER OF
      SHARES</FONT></TD>
    <TD vAlign=top align=center width="1%"></TD>
    <TD style="BORDER-LEFT: #000000 1pt dotted" vAlign=top align=center width="1%">&nbsp;</TD></TR>
  <TR>
    <TD align=right width="1%"></TD>
    <TD align=right width="1%"></TD>
    <TD vAlign=top align=justify width="1%"></TD>
    <TD vAlign=top align=justify width="1%"></TD>
    <TD vAlign=top align=justify width="16%"></TD>
    <TD vAlign=top align=justify width="1%"></TD>
    <TD vAlign=top align=justify width="6%"></TD>
    <TD vAlign=top align=justify width="1%"></TD>
    <TD vAlign=top align=justify width="15%"></TD>
    <TD vAlign=top align=justify width="54%" colSpan=5><FONT face=serif size=1>Note: Please sign above exactly as name appears on this proxy. When
      shares are held by joint tenants, both should sign. When signing as
      attorney, executor, administrator, trustee or guardian, please give full
      title as such. If a corporation, please sign in full corporate name by
      President or other authorized officer, giving title as such. If a
      partnership, please sign in partnership name by authorized
      person.<BR>&nbsp;</FONT></TD>
    <TD vAlign=top width="1%"></TD>
    <TD style="BORDER-LEFT: #000000 1pt dotted" vAlign=top width="1%">&nbsp;</TD></TR></TABLE><BR>&nbsp;
<P align=justify><FONT face=serif size=2></FONT>&nbsp;</P>
<P><BR>&nbsp;<BR>
<HR align=center width="100%" noShade SIZE=2>
<PAGE>
<P>&nbsp;</P>
<P>&nbsp;</P>
<P>&nbsp;</P>
<P>&nbsp;</P>
<P>&nbsp;</P>
<P>&nbsp;</P>
<P>&nbsp;</P>
<P>&nbsp;</P>
<P>&nbsp;</P>
<P align=center><FONT size=2><FONT face=webdings size=4>6</FONT> DETACH PROXY
CARD HERE </FONT><FONT face=Webdings size=4>6</FONT></P>
<P align=justify>
<TABLE style="PADDING-RIGHT: 15pt; PADDING-LEFT: 15pt; TEXT-ALIGN: justify" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR>
    <TD style="BORDER-RIGHT: #000000 1pt dotted; BORDER-TOP: #000000 1pt dotted" width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-TOP: #000000 1pt dotted" align=left width="99%">
      <P align=center><BR>&nbsp;<IMG src="proxyx2x1.jpg" border=0></P>
      <P align=center><B><FONT face=serif size=2>121 North Columbia Street,
      Chapel Hill, North Carolina 27514 </FONT></B></P>
      <P align=center><B><FONT face=serif size=2>This Proxy is Solicited on
      Behalf of the Board of Directors for the <BR>Annual Meeting of
      Shareholders on May 20, 2009.</FONT></B></P>
      <P align=justify><FONT face=serif size=2>The undersigned hereby appoints
      J. Allen Fine and W. Morris Fine, and each of them, each with power of
      substitution, as lawful proxies, to vote all shares of common stock of
      Investors Title Company that the undersigned would be entitled to vote if
      personally present at the Annual Shareholders&#146; Meeting of Investors Title
      Company to be held at The Siena Hotel located at 1505 East Franklin
      Street, Chapel Hill, North Carolina on Wednesday, May 20, 2009 at 11:00
      a.m. EDT, and at any adjournment thereof, upon such business as may
      properly come before the meeting. Please sign and date on reverse side and
      return in the enclosed postage-paid envelope.</FONT></P>
      <P align=center><B><FONT face=serif size=2>PROXY</FONT></B></P>
      <P align=center><B><FONT face=serif size=2>PLEASE SIGN ON REVERSE SIDE AND
      RETURN IN THE ENCLOSED POSTAGE-PAID
      ENVELOPE.<BR><BR><BR><BR><BR></FONT></B></P></TD></TR></TABLE>
<P align=center>&nbsp;</P>
<HR align=center width="100%" noShade SIZE=2>

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`
end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
-----END PRIVACY-ENHANCED MESSAGE-----
